davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (ID)

On XX/XX/2020 I received a payment via PayPal for a computer I sold. I attempted to withdraw the funds and PayPal " flagged '' the transaction. I contacted customer support and was told to wait 72 hours and try again. I waited 96 hours just to be safe and attempted to transfer the funds to my bank account. PayPal again flagged the transaction. I contacted customer support. They walked me through several steps to attempt to withdraw the funds, transfer them and even to have PayPal write a check and send it to me. None of this worked. Then, they told me that my only option was to refund the money to the buyer and attempt payment another way. I tried to do this and the refund was not processed because PayPal had removed their fee from the original amount. As of today, they refuse to complete a refund or give me the funds in any other manner. After much internet research, this is a common problem with PayPal. They hold funds to make profit off of the interest of thousands of customers every day. This is fraud and/or theft. The online portal shows that the refund has taken place but another screen shows that it is in perpetual " pending '' limbo.
Consumer complaint received 2020-02-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Collector 's Name : ARS ACCOUNT RESOLUTION Collector 's Address : XXXX. XXXX XXXX XXXX, Florida XXXX {$1400.00} This company has refused to verify this account as well as the credit bureau 's. I have sent a couple of letters asking them to prove that this account is in fact mine, The informations that come back to me only says that the account was " verfied ''
Consumer complaint received 2020-02-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (SC)

XXXX account balance incorrect and contact made to the company. Was advised technical support needed to activate the account and correction would be made. 
XXXX unable to access the account. No changes made. Advised still waiting for access to be made. 
XXXXbalance not corrected. Advised of manager callback. No call back received. 
XXXXcalled in regarding missing payments and fees still showing charged. Advised adjusted in their system but not showing on statements that I received. 
XXXXadvised rep of balance not correct for car to be paid off in 2 months. Rep stated info sent to manager to review XXXX received bill showing XXXX as remaining balance due with 96 % paid of the account and 3 of 72 payments made XXXX reviewed account and showing balance now XXXX owed with 3 of 72 payments remaining and 96 % paid.
Consumer complaint received 2020-02-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

my mortgage was transferred from XXXX  ( XXXX XXXX on or about XX/XX/2020 to freedom mortgage and i was never told in advance or at all - i found out by checking XXXX  'XXXX  website regarding my account information. prior to that i began the process to refinance my mortgage with XXXX XXXX. XXXX XXXX   contacted and obtained a payoff amount from XXXX XXXX on XX/XX/2020 and was valid thru XX/XX/XXXX, XXXX not once did they notify XXXX XXXX that the loan was being transferred to freedom mortgage. the total transferred to XXXX XXXX was {$170000.00} which included paying off the principal of {$170000.00} ; prepaid interest thru XX/XX/XXXX of {$790.00} ; an escrow shortfall in the amount of {$1600.00} ; an expedited delivery fee of {$25.00} ; and a $ XXXX county recording fee. the total payoff amount given by XXXX XXXX was {$170000.00} which was about {$100.00} less than the amount transferred to XXXX XXXX on XX/XX/XXXX, XXXX the negative escrow amount was created by XXXX XXXX when in error they overpaid my property taxes by {$2100.00}. i have a federal confirmation number ( #  XXXX ) that the wire in the amount of {$170000.00} was received by freedom mortgage on XX/XX/2020. I made numerous calls to freedom mortgage and once speaking with a supervisor, XXXX ID # XXXX, and was told he didn't know where the wired funds were or when they would be credited to my loan and pay it off. he assured me that 1 ) i would not be listed as past due ( as the loan payment was due on XX/XX/2020 ) 2 ) i would not be reported as late to the credit bureaus and 3 ) I wouldn't be charged interest after the date the wire was received by them to payoff the loan. on XX/XX/XXXX XXXX XXXX sent a second wire in the amount of {$2100.00}, the amount refunded to them by my county treasurer for the overpaid property taxes, to freedom mortgage. these funds, along with the wired funds to payoff the loan should result in a refund to me of at least the {$2100.00} of the escrow funds and approximately {$100.00} of the overpayment with the wire to payoff the entire loan amount. i spoke with a rep from freedom mortgage today and was told that they would only be refunding me {$2000.00}. I was told that they charged me an additional {$160.00} for interest ( 8 days ) from XX/XX/2020 to XX/XX/2020 when the recorded the loan to be paid off. I should not have to pay additional interest for 8 days because THEY took time to payoff my mortgage.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off my credit report.
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2020-02-22
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. (OK)

I submitted a dispute to remove bogus information that has been placed on my credit report by a company named XXXX XXXX through Experian. This company has no account verifying information other than my name and a former address, yet continues to update my credit report with this erroneous information. I feel this is identity theft and Experian in doing their investigation has failed to get this company to prove accuracy of the account being initiated by me, other than having my information on file.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

There is an illegal collection which has continued on my credit report after providing the necessary documentation for it to be removed. There was a letter provided by the court to the credit reporting agency and all of the supporting information yet they did not remove it from my credit report. The company was contacted directly and they ignored. There is no monetary judgement after an illegal debt collection attempted at town court. The company XXXX XXXX XXXX attempted to collect {$2400.00} at court for one months rent which was actually {$900.00} the amount of {$700.00} had already been paid plus estimated {$1000.00} in security deposits for the unit. I have a statement from the company which shows no damages and a letter from the courthouse which states no money owed. The collection was illegal and it still is. It is preventing me from securing stable housing in the future.
Consumer complaint received 2020-02-23
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. (TX)

To whom it may concern : Who gives XXXX, XXXX  and Transunion The right to judge a middle class American? I've disputed time and time again about identity theft and I'm held accountable. I have police case numbers for each fraudulent information on my reportd. 
How are you the CFPB monitoring these agencies? XXXX was hacked into and my information was once again used fraudulent by the people who stole my info through XXXX 's lack of security! 
The US government gives us a social security card when we are born. Who protects are information? 
I've worked in HR running background checks and 6 out of 10 reports would come back saying the Social Security number was being fraudulently used. It would always happen to an American citizen who was under working age. There ss # was being used by XXXX  20-50yrs old. It would be undetectable until the rightful owner of the ss # became of working age. 
I'm so frustrated being judged by 3 credit bureaus who exchange the same credit fraud information, like in my case. This is XXXX   at it's best! Judging me, a middle class worker violated by credit fraud and punished for it. Once you set an alert or freeze no one will approve you fir anything! This whole process needs to be reevaluated to keep it fair! Please have XXXX XXXX call me to discuss this whole situation. I'm tired of defending and fighting the credit bureaus all the time! 

Kind Regards, XXXX XXXX XXXX
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (IA)

In XX/XX/XXXX I pulled all three credit reports. I noticed an account from XXXX XXXX XXXX, XXXX. In XX/XX/XXXX I  disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX. ( Letter enclosed ) Prior to this XXXX XXXX XXXX, XXXX did not send a dunning notice. They also did not notify me within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter asking for validation of alleged account.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

Equifax is illegally reporting XXXX XXXX/XXXX Chargeoff Account # XXXX tradeline that is more than seven years old on my credit report. This is negatively impacting my credit score. Both XXXX  and Equifax have long removed this tradeline due to it exceeding the time period it can legally be on my report. I demand that this tradeline be removed immediately. I attempted several times to dispute via Equifax 's online dispute however the dispute page is not properly loading.
Consumer complaint received 2020-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: COMMERCE BANK (MO)

I recently made a payment on time before the XX/XX/XXXX to XXXX  from commercebank, all online and from the phone app. 

I logged in today on the XX/XX/XXXX, after checking my accounts yesterday and the day prior with no errors, and on the XX/XX/XXXX noticed that I had not only been charged a returned check fee on XXXX  but also had an overdraft fee on commercebank. 

I had already moved enough funds over from my other accounts to bring all accounts positive from -XXXX by moving {$2.00} over to the account to cover the balance. 


According to statements on the XX/XX/XXXX, it shows that I made this cover after the returned item occurred, but that would show at least three days after the initial payment was made and an additional time from when these additional charges took place on the XX/XX/XXXX. I believe with what was occurring with XXXX XXXX, this may have had something to do with this transaction error, but usually XXXX  takes about $ 2 days to pull from my account after I establish it prior to the payment due date. 

I've not had any issues up to this point and it can be noted on the XXXX ledgers and even the commercebank ledgers since the credit card was opened with XXXX. 

I've requested that the error be corrected by the bank because I'm losing out of {$60.00} and this would damage not only credit score, but disqualify me from this homeownership program I'm working through that requires us to maintain sound accounting with finances ( to which I definitely have a record of doing ).
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Problem with EQIFAX I tried to obtain an increase in my credit card on Friday, XX/XX/XXXX, with XXXX XXXX XXXX. They told me that there was a problem with EQUIFAX, so, I called them. First I got someone in some out of the US and could not understand that person, then they transferred me to a person who was suppose to be in the US named XXXX  # XXXX, who asked me some questions so he could open my account-2 things  happened then one was I could not understand him and secondly the answers to the questions were so outdated I never could have answered them being they were not current. An example is my employer in roughly XXXX and now i am retired. So, how would I know they were using data that old? So, after that I spoke to a XXXX  # XXXX, then XXXX # XXXX and a XXXX who would not give out her number-too good for that!! None of them could help [ resolve this situation over the phone!! I tried to file a dispute on line and their website would not allow for this dispute. 
This organization is a JOKE!! and they control MY CREDIT? 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-24
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. (FL)

To whow This may Concern ; I decided to check my credit and i notice that my scores was down, so i look futher into the the situation and i notice that there are Accounts that i did not Authorize on my credit which i cant understand so this report is to help me reslove this matter
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I was a victim of fraud and Chase Bank denied my claim for {$2900.00}. They approved a {$800.00} claim but denied the {$2900.00}. In the letter I received they said it was because they think I approved the transaction or gained something from it. But when I called customer service they said it was because I didnt report a counterfeit check that the fraudsters tried to deposit for {$490000.00}. But I did report it. And theyre saying the only way they can do anything is if I have evidence it wasnt me. I was watching my baby brother while my mom was working, I dont know how Im going to show evidence it wasnt me. My account has never seen more than {$500.00} it should have been flagged for fraud right away. If they dont reopen my claim I will not be able to pay them back or even want to because they are XXXX   me over and its gon na destroy my credit.
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2020, we opened a business account with Suntrust, making the opening deposit the same day. After the initial deposit, 3 additional deposits were made : 1. XX/XX/2020, {$500.00} ( XXXX XXXX Money Order ) 2. XX/XX/2020, {$1200.00} ( XXXX XXXX Money Order ) 3. XX/XX/2020, {$1200.00} ( XXXX XXXX XXXX ) I was made aware on XX/XX/2020, the account was in a " no-debit '' status, after I logged in to see a payment returned of {$50.00}. I called customer service to ask why the payment was returned, when there was more than enough money in the account to cover the charge. The representative was not able to provide any additional information, but guessed it may have been all of the required documents were not in. I explained, all the documents were in, that I had submitted online, and inside of a local branch several times. At that point I requested to speak to a supervisor. The supervisor explains that it looks like the account was going to be closed, and that Suntrust had decided to sever ties with us. She stated it would be 3-5 business days to completely close the account, and I should receive a check for the remaining balance 5-7 business days after that, and she was not allowed to disclose why the account was being closed. Today, XX/XX/2020, I called to find out when we should expect the refund, and I was told the funds were being held. It was implied the money orders may have been fraudulent. I asked how long does it take for them to release the funds, and the customer service representative relied, indefinite. He explained he was not allowed to disclose any additional information. I explained these money orders are payments from the tenants in my rental property, and I would need additional information so I would know how to proceed. He apologized but didn't disclose any information. I called both money order companies to confirm they have been cashed. Both companies confirmed the date of purchase, the amounts, and dates cashed of the money orders. I then called Suntrust to make them aware, and I was told Suntrust would not be releasing any funds. They advised me to tell my tenant to return to the place of purchase to file a claim, and that was my only recourse.
Consumer complaint received 2020-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (WA)

XX/XX/2020 I sent a rent application, then on XX/XX/2020 it was approve by a lawyer and was told to deposit money to secure until I would be able to move in. I sent the money {$1600.00} via XXXX  XXXX  and was told the keys and documents of the home would be sent overnight. I waited but nothing came I then looked their number up and it appeared on a scam website along with their name. I texted them on multiple occasions without a response, I have called them and also tried requesting my money back but she declined it and then blocked me on the app. I have filed a fraud claim with my bank XX/XX/2020 I sent them many screenshots from the day I filed the claim to XX/XX/2020 but was told they couldnt do anything in my favor because I used a third party app. I had also emailed XXXX XXXX  on XX/XX/2020 and XX/XX/2020 and they told me they couldnt refund me my money but I am able to file a dispute with my bank and they would be able to have the right people help me out. I called my bank again and told them if I could file a dispute but they told me it really wouldnt be necessary for me to file one because it would be very hard to get my money back. I made a police report on XX/XX/2020 as well and havent heard anything back.
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was contacted by XXXX XXXX XXXX in regards to an outstanding credit card debt. After trying to reach a resolution with the company that I felt was fair. They were unwilling to work with me on what I had to offer. 
I then told them that I was placing them on notice, not to contact myself, family members or businesses associated with my person, and to cease and desist all collection efforts on the account. The phone calls had stopped until recently when I received an additional phone call from XXXX XXXX XXXX and a collector ( I don't remember their name ) when I told them that they were violating a cease and desist notice they then told me that they had the right to contact me again after 60 days. I know for a fact that that is not true. This company and operations manager XXXX XXXX should be held accountable for the violations that they are committing against everyday consumers like myself.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (PA)

Experian credit services has advertising their " Boost your credit score '' program -- simply go onto their website and enter your information, and watch your score increase.

The process is your payments to utilities is to be included in your credit score, obviously if they are paid promptly and correctly to each utility company.

What Experian doesn't divulge is that you have to have at least 3 months of current utility bills ( before XX/XX/XXXX, I paid 7 1/2 years of utility bills without one single late notice from any utility -- water, gas, phone, cable ) Experian couldn't use any of that information since you ONLY QUALIFY if they can verify 3 months prior to your initial date of applying ( my applying date was XX/XX/XXXX ) Not only was this not disclosed when applying for this " Boost '' service, but now my personal bank account , soc sec # and past addresses and phone # is on Experian 's site for no usable purpose. Experian won't even speak with you until you have this personal information entered into their system and obtain a membership # with them. 
SInce credit companies can go back and review 7 years of prior credit, do credit companies really want us to believe they can't also review our utility payments???? What nonsense! Total bait and switch.