davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I sold an rare obsolete auto part on XXXX for {$450.00} to a buyer who turned out to be a scammer. He purchased another cheaper about {$50.00} item from me under different account that I didnt realized. I received payments on paypal and shipped items. {$450.00} payment came on 9/30 and so same say I shipped item priority insured with signature confirmation. Second payment came on XX/XX/XXXX and shipped first class mail. Both packages delivered to the same town and state. {$450.00} package signed by man on XX/XX/XXXX. And the other package delivered on the XX/XX/XXXX.

On the XX/XX/XXXX I received message from the scammer stating he didnt received {$450.00} item but the {$50.00} item with picture of the {$50.00} item on top of insured expensive package. Although XXXX suspended scammer accounts as it is was obvious he purchased both items and both items were delivered and he was trying to get money, he went onto paypal and opened the dispute there. I couldnt even respond to the dispute because of time out on their website then couldnt attach my documents ( pictures scammer uploaded on XXXX ; paypal dont communicate with XXXX and have no clue or interest investigating to make a sound decision ). I decided to call them and ask for alternative way to provide documents which they allowed. I emailed supporting documents and heard nothing. A day after that, logged in the resolution center and see that they allowed scammer to return {$50.00} item back but will refund him {$450.00} and they claim that I agreed to it while I specifically said no and asked for through investigation. Where is seller protection they mention? Where is through investigation? I submitted 25 pages of documents showing that this man is a crook and I shouldn't be liable for that. I paid close to {$20.00} to insure, require signature and ship priority to avoid fraud ( as required by paypal for seller protection ) and still I am to blame and will loose item and money spent to get it, my time to find this rarity, my postage. Where is justice? Did anyone in such high value case even looked at my supporting documents? Although I submitted them I see they were never attached. Paypal said they would fight for me. So what happened that they didnt notify me they allowed buyer to return item and when I log in I see they claim I agreed. Where is falsely advertised seller protection?
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Dispute of Inaccurate Credit Reporting and Request for XXXX Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : XXXX. Account Name : [ XXXX XXXX ] Date Listed : [ XXXX XXXX, XXXX XXXX. Account Name : XXXX Date Listed : XX/XX/XXXX The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX XXXX, the issuance of a XXXX form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code XXXX defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a XXXX form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the XXXX Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code XXXX or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required XXXX timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (OR)

Received letter on XX/XX/19 dated XX/XX/19 from Synchrony Bank advising a request to open a PayPal account or make a purchase using the payment method on XX/XX/19. I did not request this.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a new phone number and new address and I have tried to update this with Capital One, however they are not able to accommodate my request within their system despite my best attempts and multiple escalations. After I told their agent that I am complaining to CFPB and that I have recorded their calls, they filed an internal complaint and now refuse to speak to me over the phone stating that their system is down ( I also recorded this as proof ) the problem : XXXX. As a consumer I have the right to information on my account such as my balance, recent transactions, payment history.

2. Capital one refuses to update my address and phone number stating that they need to verify my ID, and they are not willing to accept my United States Passport or my Passport Card. ( these are two valid forms of ID that I used to open my account ) I have no other ID, eve though I offered my birth certificate as well. 

3. My personal data is being sent to an old address that is now someone else residence, this means that I don't have access to any communication including debt collection. I am concerned that someone else is getting my statements.

4. I am unable to update my phone number for the same reason, they state that I lack a state ID, however I simply do not have this, nor do I have the means to obtain.

5. I am unable to make purchases because I can not receive the security PIN, it keeps going to the old number.

6. The biggest problem is that I can not login online, nor can I update my address to get statements meaning that I have to call in to XXXX to get status updates, verify transactions, and I'm concerned that the information may not be accurate or complete, and it is also very time consuming as to call in requires going through verification and hold times.

7. I believe that by law as a consumer I have the right to receive statements by mail to my designated address, on the last phone call I clearly provided this address to the agent and she acknowledged it but was not able to update. 

I believe XXXX is out of compliance with at least one federal law, which is their duty to maintain updated customer information. Because I don't know how much I owe or payments, now the card is going into collections and this will impact my credit score. 

I Have attached the XXXX recording of phone call. If you are not able to download or access the recording please reach out to me. I have also added the recording on XXXX and I can send the link if needed.
Consumer complaint received 2019-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MA)

I was in the process of refi, and my rep with cailber home loans and i filled all paperwork out and was approved. My rep informed me to not send my monthly payment in, as with the new closing we would have a few months till we needed to pay. We never missed a payment til this happened but my rep either quit or got fired, and a new rep texted me a few weeks later saying the refi was in default as my previous rep didnt complete his end. He said i need to pay that last month as again it didnt fully go through. This now made my payment seem late even though the rep informed me not to pay it. I was now expected to make two morgage payments on the same week, which i informed them i couldnt pay XXXX in one week as we also had a death in the family. I then recieve a letter that we were denied bc my credit was hit with a late payment and it knocked my credit by 52pts. I fully caught up and paid all to get current. But my credit was hit due to bad advise from a company/rep we trusted. Its our first house and we are unaware of how this all works its making us second guess our decision to buy the house and work with a company that hasnt even stated they were sorry for what happened. They said i can wait til my credit comes back up, which will take a long time ... .i would appreicate if i can get my credit back to what is was so we can just refi with another company. We have never felt so left, and no solution. Im hoping this site can help us with this odd situation.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of  Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX  XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for XXXX XXXX, XXXX  and Experian. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

I needed to get some dental work done, So, my oral dental surgeon suggested that I apply for a Care Credit card from Synchrony bank. I opened up the account around XX/XX/year> and I believe that my credit limit was originally {$11000.00}. Their interest free promotions up to a certain time and ridiculous fees along with statements concerning my account have always been confusing. I have increased my payments over a period of time and have paid a total of {$12.00}, XXXX dollars, but havent seen one dime go towards my balance. I noticed they added a {$160.00} dollars monthly fee for some type of card safety and I dont remember requesting it or agreeing to it. Even though I have been paying pretty much consistent payments since 2021, synchrony bank damaged my credit by reporting me 90 days late because I cant afford to pay all of these outrageous interest charges and fees which made my monthly bills a lot higher than the XXXX /month that I have been paying over the last year or so. I feel like I signed up with a loan shark company who does predatory lending. This has been a nightmare to have my credit damaged, have paid a significant amount of money and the latest statement from synchrony bank is showing that I owe them close to {$16000.00} dollars!!! This ridiculous amount is all fees and late charges!!. If I were to pay the XXXX plus the XXXX dollars already paid, they would receive XXXX dollars for an original credit of XXXX dollars!!. It doesnt make sense. Synchrony bank emails me almost daily and phone calls are frequent. I have called and spoken with representatives and have asked about the fees on my statement which are not clear and have not received any resolution. The interest rate is XXXX percent and what they say I owe is steadily increasing, I feel like they want me to pay them money for the rest of my life! They have a lot of complaints against them, why are they allowed to do these predatory practices against hard- working citizens who are working to make ends meet for daily living expenses. I am requesting an investigation into my account please.
Consumer complaint received 2020-04-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IL)

This company sent a letter i just recieved today in my p.o. box that was dated XX/XX/XXXX so just hearing about this tried to call to figure out what was going on there asking for my social advised i couldnt do that due to having fraud on my credit bureaus multiple times within the last few years denied giving me simple info when i gave information file number from the sheet. The company on here its claiming i owe them i dont.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (FL)

We have a loan with LoanPal for our new solar system on our house. We are making our regular payments on the XXXX of the month. We made a principal only payment on the XXXX of the month and were told they charged us {$16.00} in interest for the five days  between payments. This company refuses to let us make principal only payments. I have never been late with any payment since it is set up for autopay through my checking account. Also their monthly statements do not reflect the amount applied to principal and interest. They are not breaking these amounts out so I can see them. This should be shown on the statement. We called and asked how to make principal payments and were told we could not make them. I was also told that I had to call each month to get the amount of principal and interest paid.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (NM)

XXXX is my landline number they keep calling for XXXX XXXX, have repeatedly told them no XXXX XXXX lives here .They keep calling I have begged, yelled,, asked nicely for them to stop calling they dont please help they have been calling over a year I think
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have been receiving constant calls from a company called Portfolio Recovery with the most recent being today XX/XX/2019 at XXXX. This group calls from 100 's of different numbers numerous times per day. The times I have answered noone is on the line. I don't owe this company a dime and am sick and tired of the constant harrassment. They should be penalized up to liquidating due to such harrassment. 
I understand that this company has been fined in the past but it doesn't seem to bother them. I request that the FTC step up for the American consumer and put a stop to this company 's harassment and infringement on our time and lives.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services (NV)

Recently signed up for monitoring company in which I first noticed fraudulent account reporting from company BYL Services I have no relations to think account this is a result of identity theft as I have reported to the FTC as Identity theft and seeking that it be removed as soon as possible.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

Historically, I have been able to lift a " freeze '' on my credit report by using Experian 's call in number, XXXX. Today I attempted to lift my freeze for a brief period of time with no success on three separate ocassions with no success. In all instances, following my successful migration through online questions ( i.e., SS #, birthdate, mailing address, and my Experian PIN, lift date, and re-freeze date ) three separate times, the recorded announcement explained that my identity was inadequately provided and that I would need to mail sensitive PI to them to get my freeze lifted. As the result of not being able to speak with a person at Experian I again called Experian an opted out to an Experian representative at XXXX. The representative ( using the same information in their automated telephone question/response ) successfully assisted me in lifting my freeze for my requested period. I expressed concern that their phone-automated system failed to recognize my credentials. I asked the representative, and their supervisor, to whom I should direct my concerns. Both the representative and supervisor were unable/unwilling to connect my phone call with the organization/person responsible for the telephone-inquiry software. I am quite concerned about the automated telephone response that requested sensitive PI for no apparently legitimate reason. I want a response from Experian as to why it would be necessary for me to further legitimize my identity. Please assist me in obtaining an explanation from Experian.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (VA)

I used to live at XXXX XXXX XXXX in XXXX VA. 

My lease terminated normally, I gave notice and moved. When I moved ( 3 days prior to the end of the lease ) I properly exited the premises. 

I had give Deposit + pet Deposit + 1 month rent ahead of moving in. 

They are attempting to charge me for moving out. I did not owe anything. 

They said I used the trash service, to have items removed after my move out, which I did not.
Consumer complaint received 2019-05-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I have contacted Navient several times and they will NOT honor the postponed due dates as noted in the email. They are confusing the one month deferment provided to all customers and rate reduction program I was in. They will not current the problem. They are misrepresenting what they should be honoring.