davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (GA)

I took out two loans, one for XXXX and one for XXXX. they want me to pay back 4 times the amount for either loan. I have already paid them back double. Loan documents are attached. I believe poor people are preyed upon and these are unfair lending practices.
Consumer complaint received 2022-12-16
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: Marlette Funding, LLC (OH)

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Experian requested via email I update my method of payment and listed a XXXX  card 's last four number which I didn't recognize. I called into customer service to verify tls certificate info to verify sender. After finally making it through their automated phone service I escalated the call, due to being afraid of fraudulent activity, regarding my method of payment being incorrect. At this point I requested to remove my method of payment and to change my account status to basic ( free ). 

Today I received the same email stating they were trying to charge me for a basic account on the same unknown credit card number. I called in and had account deactivated because I know longer have faith in Experian 's service. This was successful, however I was told in order to remove my personal information I would have to physically mail sensitive information to their Texas address. I am not willing to do so. Please help my remove my information from Experian 's databases because I no longer felt confident in their ability to manage sensitive information. 

Experian supervisor Agent ID : XXXX XXXX Claim number : XXXX
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

On XX/XX/2022 i file a dispute with CONVERGENT OUTSOURCING for {$900.00}. I explained to them that it was not me and i didnt open this account. member denied my dispute after i provide to them i didn't open the account. i never had XXXX until 2022 and i still have that account. this is a old account and it was open by me.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (ID)

Have mailed and tried calling the company to get more info on why this debt is owed. I've attached proof and info that is needed in this complaint. Never got the response from them after I sent certified mail. Filed a complaint case number XXXX and they wanted to see my credit report with it on there for proof.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NV)

Hello, My name is XXXX XXXX. I am reaching out to you because of my auto loan account that has now been an issue for over a month. 

I paid my car payment in the amount of {$540.00} on XX/XX/2022, and it was posted to my bank account on XX/XX/2022. It shows that the payment was reversed in Chase bank system on XX/XX/XXXX for reasons unknown. It was not refunded to my bank account and is now showing that I am late on my payment. I have attempted to speak with the customer service team multiple times and I have been given the runaround way too many times. I have sent them copies of my bank account. My bank has sent them copies of my account showing that it was never refunded to my account. We were told on XX/XX/XXXX that this should have been taken care of and it is still not. 

I'm hoping that by reaching out to you this could be resolved quickly. I've never been late or missed a payment and don't want this to effect my credit. I can't afford to make double payment if that is what is needed. It is the holiday season and my family is struggling enough as it is. 

I appreciate your time and assistance with this matter. Please reach out to me if you have any questions or need additional information. 

Thank you, XXXX XXXX
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and Midland Credit Management on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Midland Credit Management, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is the second time that I 've noticed this, so I believe it is the strategy of Bank of America to remove charges from a person 's transactions in order to trigger overdraft fees. I made a charge at XXXX XXXX in XXXX for {$14.00} plus a {$3.00} tip. The {$14.00} showed up immediately, but then disappeared a few days later, giving me the false impression that I had more money than I really do. In fact, along with that charge came ATM transaction fees that are several days old. Is this practice legal?
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (HI)

On XXXX/XXXX/XXXX, additional fees of {$20.00} was charged to my loan account through myloancare.com. Address LOANCARE XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This is when my loan got transferred from XXXX XXXX XXXX XXXX. I have asked loancare several times to remove {$20.00} imposed on my mortgage account. This amount was never reported in any of my statements as fees. Thanks.
Consumer complaint received 2022-12-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

About 6 years ago I refinanced my home. As part of this process, I thought my second mortgage was part of the refinance. I stopped paying my second mortgage thinking it was paid. Specialized Loan Servicing did not send me a statement nor did they try contacting me until this year. They contacted me via certified mail and explained that if I did not pay my back second mortgage payments they would foreclose. At first I thought it was a scam. Nothing was on my credit report showing I was delinquent and like I said they never contacted me up until this year. I was able to secure a HELOC to pay off the Specialized Loan Servicing demand. Normally a delinquent loan does not qualify for a second mortgage but since they never reported it delinquent I was able to easily get a loan. Unfortunately I had to pay a ton of interest that I would not have accrued had they sent me a statement or contacted me in any way. In addition to this, they refused to refund an over payment made to settle the loan. They agreed to a lower payoff amount however my loan to pay Specialized Loan Servicing off was already in flight. Instead of redoing the payoff with my current lender I sent the full payoff amount. This was {$17000.00} more than the agreed payoff. Specialized Loan Servicing refused to refund this overpayment.
Consumer complaint received 2017-06-27
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. (FL)

Citi Bank closed my credit card account with no reason and before that I notice XXXX XXXX office that my son visited had charge my card twice on the same day XX/XX/2017. I did submit dispute online and hoping that was resolve when next billing statement comes in. It end up they closed my card and when I call about that and talked to Senior account specialist XXXX, that do n't want to supply his last name from Kentucky on theXX/XX/XXXX. He told me that he ca n't do anything for me. To avoid any fees involved, I went ahead paid for the whole amount that was not due yet. Hoping to get credit back from XXXX XXXX office. Since my son was out of town, I told him to call once he get back. He called XXXX XXXX office today and was told they only get paid once of {$75.00} .I would like Citi Bank investigate this matter and refund me {$75.00} by sending me a check. Since I paid Citi Bank for the two identical charge already. Thank you for your attention!
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (MA)

This company contacted myself and four family members last evening around XXXX. They would not identify what type of company they were calling from and all they said is they needed to know my " location ''. They not once stated that they were attempting to collect a debt they just repeated the name of their company and would not answer what type of company this was to ensure my safety before advising my " location ''. Collectors should be calling to attempt to " contact '' a consumer, never to LOCATE them. I just left an abusive relationship involving a restraining order and the fact that this company called late at night and ALL of my family asking for my location made us contact authorities thinking it was related to this domestic assault situation. Even when I called today and stated it was me, they would NOT tell me what their company does or why they were looking for me ( again IE if they were attempting to collect a debt ) unless I told them my DOB and home address. Of course they were nasty on top of it, absolutely no customer service on their part which caused EXTREME distress and frustration on my end. They stated their script of stating they are looking for a consumers " location '' and calling multiple family members was provided by the CFPB so it was legal. This tactic is scary and inappropriate for the consumer, as you never know what a consumer 's situation is, just like my situation explained about above. I hope this never happens to another consumer or their family again.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

I opened a savings account with Marcus on XX/XX/2022. 
I then immediately funded the account with {$1000.00}, in XXXX {$500.00} installments, from a checking account in my name at XXXX. 
Accompanying this complaint are statements from Marcus and XXXX showing the transaction from XXXX and the balance at Marcus. 
On XX/XX/XXXX, 1 month later, I attempted to withdraw my balance from Marcus back to the funding XXXX account. 
These were the only transactions attempted, and both accounts are in my name. 
Within a few hours of attempting to withdraw my funds I found that my Marcus Savings Account had been locked, denying me access, and I was directed to call support. 
After more than one phone call, I was told that my account would be closed, and they refused to tell me the reason. 
They told me that my funds would be sent back to the funding account within 3 days. 
More than 10 days have now passed and I have not received any funds or notice from Marcus, and I obviously do not have access to my account.
Consumer complaint received 2022-12-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

Update : as of XX/XX/XXXX Professional Debt Mediation Inc refused to provide information on the amount I owe by avoidance and falsely reported I missed a payment when I have not gotten a return phone call nor have I established contact with the company to verify the debt. 

False collection from Professional Debt Mediation INC. appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the lady XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the plumbing was bad so after inspection XXXX started to come up in the tub and that is not sanitary. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector PDM INC and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

I have been a Paypal customer for years and am a victim of a cyber attack. 

The morning of XX/XX/2022 I logged into my Paypal account and noticed 2 unauthorized Paypal transactions ; one for {$980.00} ( Transaction ID : XXXX ) and another for {$970.00} ( Transaction ID : XXXX ). 

I also found out that my Credit Cards and Debit accounts were also compromised. I have also opened a case with my local Sheriff department ; XXXX XXXX XXXX XXXX case XXXX XXXXXXXX and submitted a complaint with the FBI : XXXX XXXX XXXX XXXX. 

I received an email from Paypal stating " You may request a copy of the documents we used in determining the final outcome of the investigation ''. I would like to receive a copy and also please help me understand what was written in the email : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 
I am the only authorized user of this account. I have not authorized these transactions. 

Based on our review, we found this transaction is consistent with your PayPal payment history. 
I have not used my Paypal in over a year, and despite this, I have never used it for purchases online. It has always been used to send and receive money to family and friends. I have never interacted with XXXX and no payments were made or received prior to this incident. Which leads me to ask, how is this consistent with my Paypal Payment History? The first fraudulent transaction ( Transaction ID XXXX XXXXXXXX ) did not go through because Paypal deemed it to be fraudulent, so why am I being penalized when the system allowed it to go through the second time? 

Based on our review, we found this transaction is consistent with your PayPal history. 
To reiterate, how could this be consistent with my Paypal history when I have never made large transactions with Paypal. Let alone not having made transactions in the last year. And never with the email address in question.
Consumer complaint received 2017-06-27
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: JPMORGAN CHASE & CO. (DC)

Chase refused to give me a credit after I disputed the transaction. The merchant refused to give me a credit even though they delivered a product to the wrong address. After the the merchant sent XXXX documentation CLEARLY SHOWING it was delivered to an address that was not the delivery address, Chase still refuses to give me a credit for the amount. I talked to XXXX, a disputes supervisor and he was unsystematic and completely unwilling to help me find a solution to the issue. They are clearly colluding with the merchant and not protecting the their customers art all.
Consumer complaint received 2022-12-16
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. (ME)

I notified Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that the three accounts were opened by an unknown third party without my knowledge or consent while I was XXXX XXXXXXXX I have been living and working in XXXX since 2012 and I have no idea who opened the accounts. I asked Experian to fully investigate. They did nothing. This is outrageous.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

Ref : XXXX - I sent a simple transfer 0f {$1200.00}. via Moneygram to XXXX, to a personal Debit Card at XXXX XXXX. The money has been in transit for XXXX days when it should have taken no more than XXXX day. When I call Moneygram Customer Service to find out what happened, they tell me they are checking and investigating will take XXXX DAYS!!!!!!!! RIDICULOUS. We use their service for urgent, fast transfers. When there is a problem, they should be able to get back to us within XXXX - XXXX hours. MONEYGRAM HAS LOST MY MONEY!!!!!!!!!! 

I urgently need the money to be received by the receiver OR return the money to me!!
Consumer complaint received 2022-12-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I submitted a CFPB complaint ( XXXX ) due to not receiving a promotional offer from CitiBank. As per the company 's response, CitiBank promised to provide a statement credit of {$300.00} within XXXX business days. I did not receive the credit after XXXX business days so I contacted CitiBank via email, who responded saying it would take them XXXX  days to even investigate and respond to my inquiry. I was unable to contact them via the phone number they provided. The case should not have been closed until after I received the promised resolution. The company did not do what they said they would in their response.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld Systems is attempting to collect a debt and they a. are not licensed to collect debt in Illinois b. Refused to send verification of debt I requested verification of debt XX/XX/22 to Transworld Systems XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX and the letter was returned to sender.
Consumer complaint received 2022-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC (AZ)

Sunlight Financial is our lender for solar panels. When trying to create an account to monitor and review progress of our loan we received the following, " XXXX XXXX has not opted-in to offer consumer XXXX XXXX XXXX XXXX customers. '' That response seems intentionally un-transparent that they would " opt out '' of allowing consumers to view their account standing.