davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

XX/XX/XXXX I was talking with a scammer on XXXX that supposed to unlock XXXX. 
My wife XXXX was mainly talking with him and captured the messages from where he leads us to pay for the service. We tried to pay as service on XXXX but it didn't go through so we ended up using venmo thinking that they will help us when things go wrong. 
Please see our supporting document that clearly shows that this scammer acted as someone who knows what he is doing and asked us to pay for {$150.00}. He specifically told us to wait a day ( now we know why since this way the payment goes through ). 
XXXX the scammer goes by on XXXX now deactivated his account after got what he wanted ... XXXX XX/XX/XXXX ). We documented as well. 

Currently Venmo is investigating but not going anywhere ... so we decided to open the complaint here. 

Please bring justice to this scammer who is probably hurting others as well.
Consumer complaint received 2020-05-14
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BMW Financial Services NA, LLC (CA)

I have a bmw through bmw financial. I have never been late. Due to covid 9 I was approved for a 2 month deferment of payments to keep my account status current. I called in at the end of XXXX to request this. I signed the deferment and forgot about it. Then today I got a credit alert thats said I had a change in account status so I looked to see what it is and bmw reported to my credit that Ive been affected by a natural disaster. Then I logged into my account and it showed past due 30 days. So i called bmw and they said they could redo the deferment again. I told them you reported on my credit and they said they just report status of disaster. I dont think that is fair or right. I didnt know they would do that. They made a mistake. I dont appreciate this right now. I called in XXXX to prevent this. After they updated the deferment it still shows payment due XX/XX/XXXX, when it should be XX/XX/XXXX. Also Im a hairstylist in California. We wont be working til end of XXXX.
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX XXXX {$430.00}
Consumer complaint received 2022-07-03
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: I.C. System, Inc. (IL)

I have a collection company reporting I owe on an account that doesn't belong to me. They say the service is for an address I've never lived at and its during the time i was serving over seas. I've tried calling XXXX the original company and they don't have any information so I called the collection company IC systems and they said I need to send then proof that it's not my account but how can I prove something isn't mine when it's not mine.
Consumer complaint received 2022-06-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXd now.with no help.
Consumer complaint received 2020-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NM)

I filed a complaint with you guys about PennyMac and how they're trying to scam people into forbearance as opposed to payment deferment during this crisis. So I left a complaint with you guys and the next day for some reason they call me up to talk about it I just think it's kind of weird they call me to ask about a complaint I made this should be done privately I don't know why you share information with them I feel intimidated by them calling me up
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Company responded to complaint XXXX by providing false testimony. My complaint was that they violated the law by not providing me with my statements 21 days before the due date ... and they continue to fail to allow me to look at my statements in a timely manner. CHASE says that I have to sign a new legal agreement FIRST ( evidence was provided in my original complaint ). ... ... ..In responding to my complaint, they stated : " Based on our review, you are being required to accept the legal agreements because as of XX/XX/2020, we are reflecting that the agreement were deleted by your User ID. '' THIS IS FALSE. THEY MADE IT UP. I asked for proof of this alleged deletion, and they said they could not provide it because they deleted due to their record keeping requirements. THIS IS ALSO FALSE : Banks are required to maintain records, particularly with respect to contracts. They are require to inform me in writing of any changes to this contract. CHASE lied, both on the phone and in their written reply. What kind of obfuscated language did they use? What does " based on our review '' and " we are reflecting '' mean -- except to disguise the fact that they are making up the incident they are reporting. FRAUD ... ... ..PERJURY ... ... INTENTIONAL MISDIRECTION. Call it what you like, but it is NOT a response to my complaint.
Consumer complaint received 2020-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (UT)

On or around XX/XX/2020, I took out a loan with Balance Credit. I did this online with limited ability to confirm my information or see the full documents as increasing the size of the content on the documents wasnt available. On XX/XX/XXXX, I was informed by my employer that I would be laid off due to Covid-19. I contacted Balance Credit several times to ask about payment arrangements and to explain my current situation. I finally was able to contact customer service and tried to get some resolution to help with my current situation. I was told I could defer one payment but interest would continue. I asked what interest would be for the one payment ( 14 day deferred ) and was shocked to find out that the interest would be the amount of the actual payment {$220.00} for 14 days on a {$2400.00} loan. During the deferred 14 days, I received several calls a day everyday. I finally took a call from Balance Credit, only to find out my new balance was now over {$2800.00} and they wanted 2 payments approximately {$450.00}. I again asked that if I paid {$450.00}, what would be balance be, and was told it would now be about the same, {$2800.00}. What?? I was advised that my payments were only covering interest. How can they charge 200 % plus in interest and other fees? I feel that one, this loan was done over the internet without the ability to see the documents in larger font, and two this should be considered predatory lending. I cant afford this interest rate. Balance Credit is charging consumers interest and fees that are abusive and grossly inflated. Who protects the consumer? A loan with no end and to do this during the worst financial disaster since the Great Depression!! I now know why you are unable to see or change your application.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act Account Number XXXX and Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Venmo credit card fails to send notification about upcoming payment due and even fails to send any notification when due date was missed and late fees charged. 

I would notice that I was charged a late fee a week later but no email, texts, or in-app notifications were provided to remind me about the payment. 

These are sketchy practices praying on customers to forget to pay on time.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I have the following rights as a consumer : 15 U.S.C. 1681 Section 602A. I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : A consumer agency can not furnish my account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

I have reviewed the information across all three credit bureaus and found numerous inaccuracies in my accounts across all three credit bureaus.
Consumer complaint received 2020-05-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a dispute for the inquiries on my credit report. The inquiries were not removed, my credit score was not addressed and I have yet to hear from TransUnion regarding my complaint. The inquiries have a negative impact to my credit score, therefore their removal should have a positive impact to my credit score, and should be done immediately.
Consumer complaint received 2019-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

This is a secured credit card in which i made a XXXX deposit. I made an arrangement to auto pay my payment down to a XXXX  balance. I had problems with my direct deposit payroll check being late. So I made a second call explaining this and then paid acct to XXXX. The next day Citibank closed my acct and won't refund my XXXX deposit. After not explaining why they closed my acct to start with. I tried to reopen this acct but not able to. That's fine but I still want my money back. I owe them nothing paid in full acct. After 3 weeks of a complete runaround and a total of 11phone calls each lasting 30 minutes or more, and spoke to XXXX ( a manager in customer service ). He promised to see if through and call me go directly. Of course no call!
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (TX)

On XX/XX/2020, my previously earned miles from Discover Card Services was unexpectedly converted to cash. There was no notice given. Contact with the company stated that : " I am so sorry about this happening, but I can send you the terms for your account where it will talk about cashback/miles being forfeited or cancelled at our discretion. Would you like me to do that? '' They then disconnected the chat on me after I wasted an hour with them. 

I will be closing my account and advise others to as well.
Consumer complaint received 2022-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (NY)

XXXX has two active promotional events in the market. With two deposits, they will pay a {$250.00} credits as a bonus. At the same time, one term is advertised with the required activity to keep the {$1000.00} dollar in the account while the other one doesn't. I opened my account with them using the link and terms that DON'T require a {$1000.00} parking. However, after I completed the required tasks, XXXX refused to pay the {$250.00} credits. They stated that I signed up the account using a different link. When I asked for the proof regarding the two circulating sign-up bonus campaigns and the proof that I used the wrong link, they failed to provided detailed information and still refused to pay the {$250.00} credits.
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loancare bought out my mortgage from XXXX XXXX in XX/XX/XXXX without Escrows. Loancare added escrows to my account even though I showed proofed of insurance and paid annual taxes. I have been trying ever since to get the escrows removed as I continue to pay insurance and tax annual out of pocket. They have misapplied my payments for two years. I finally got some resolution in XXXX or XXXX only to have escrows added back two months later. I have called relentlessly speaking with 4 different managers since XX/XX/XXXX trying to get my account fixed. This has now messed up my credit and affected my life. I am always promised follow up and a resolution and never get it. The 4 manager and dates are listed below. They are " not allowed '' to give their last names. 
XXXX XXXX XX/XX/XXXX - left several messages XXXX ID # XXXX out of Pittsburg XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Spoke with on XX/XX/XXXX, left messages XX/XX/XXXX, XXXX & XX/XX/XXXX. 
I call customer service requesting call backs due to " high volume '' and never receive a call back. Please help. I can not wait to be able to refinance and get out from under the worst mortgage company I have ever had to deal with.
Consumer complaint received 2020-05-13
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. (AR)

My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX  XXXX {$430.00}
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CT)

My checking account was closed with an overdrawn balance in amount of {$190.00}, this includes two funds transfers in amount of {$50.00} each as well as a provisional credit reversal in amount of {$290.00}. I was referred to account recovery for payment. The provisional credit was placed on account due to a debit card claim in amount of {$290.00}, an item ordered from XXXX, never received. The item was shipped via Fedex with a forged signature, which was explained in numerous prior CFPB complaints. Wells Fargo reps ignore this fact, referred me to account recovery for payment, in which case, I do not pay for items not received. I previously requested a notice from collection agency handling account, nothing provided to date.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (TN)

In the beginning of the year I placed my card on freeze because I had a company taking unauthorized charge out the account, I always paid my accounts on time, In XXXX of 2022 they closed the account for non use, and reported XXXX and XXXX as late payments. My account was closed and deposit was returned. I have asked numerous times for them to review my account and waive the late payments, I paid my entire bill in full and request for them to update the credit bureaus and remove late payments off my records. They refuse and never investigated the account at all. Managers would hang up calls while I was talking and I would never got calls returned,.
Consumer complaint received 2019-04-09
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. (MO)

I'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, Missouri XXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.
Consumer complaint received 2022-06-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc (NY)

I tried once again to apply for a working capital loan which I have successfully had more than 2 of them and successfully paid them back.

I called and this time the agent was very helpful he knew what he was talking about and you could tell he was perplexed at why I was not being approved either. 

I don't think that I am going off the hook to quick in LABELING THIS DISCRIMINATION IN LENDING because nothing has changed and there is absolutely no reason based on the facts that I should be being rejected for these loans. 

I have been a longterm customer more than 20 years on this particular account and I was one of the first one hundred customers of PayPal under another account.

Loyalty returned with discrimination? I do know that there is another bank called web bank behind these loans so they might be part of the problem too? 

Also I tired to add my email to the account ( XXXX )
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have been a loyal Citicard hold since XX/XX/XXXX. I've always paid my bill on time and kept low balances on my card. XXXX has never had a problem with me. On Friday XX/XX/XXXXI called and added an authorized user on my account. The rep even thanked me for being a good card holder. Well this weekend I went to use my card and found out my account was closed. I was later told ( this morning ) it was because I added to many authorized users. I honestly did not know I had a limit or I would have never added anyone else to me account. I have a vacation to XXXX XXXX next weekend for my birthday and the card they closed is my vacation card. The hotel is reserved with that card. I have to produce the card in order to check in. Also I'm on the process of purchasing a house. With the closure of the account my credit score will drop tremendously and it will negatively effect my utilization. I need my account reopened, this close will effect my life in so many ways.