davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (AZ)

XXXX XXXX. I was unable to pay the total amount, so was forced to finance it. When the servicing company told me they used only Goodleap as the finance company. Knowing something of their, uh, sharp business practices, I immediately started to obtain a HELOC. The HELOC money became available the day after the installation was completed. The same day, I called Goodleap ( XX/XX/XXXX ) to request to pay off the loan. They informed me that a pay off amount was not yet available, but that interest charges already were accruing. Between XX/XX/XXXX and XX/XX/XXXX, I was charged over {$41.00} in interest that I had NO WAY TO AVOID, as they would not provide me with a payoff amount. Charging interest without providing a customer with any hope of avoiding it seems unethical. Other Financial Services companies I have dealt with in the past did not operate like this. Goodleap says they have no early payoff penalty, but it seems to me that {$41.00} IS a penalty.
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023 XXXX XXXX XXXX called a number from XXXX that I thought was XXXX. The number was a scam. The person told me he was from XXXX and his name was XXXX XXXX. The phone number was XXXX. He told me to download an app on my phone called anydesk to help me with my issue. This guy on the phone spoke good clear english and was very convincing. He accessed my phone and transferred funds from my paypal account to someone I knew and have them send it back. He said it's to verify me. Then he transferred money from my bank account to fraud emails on XXXX. I did not authorize these transactions. I contacted bank accounts, XXXX XXXX, paypal and Venmo due to this scam. I changed password and accounts immediately. I am about XXXX dollars in negative due to the transaction made in my accounts. The amount through Paypal was {$5600.00}. I contacted Paypal and gave them all the information on what happened. They denied my claim. Paypal restricted me from ever using paypal again. I emailed them again to escalate the issue. I lost {$1600.00} from my bank account. The scammer used my Venmo account and did transactions with crypto through my account. I never used of dealt with crypto. I did not authorize any transaction.
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

Years ago, XXXX XXXX XXXX, a prior institution that I attended, continually harrassed me for money I did not owe. They could not produce any documentation, and with the CFPB 's help, the debts were discharged by XXXX ( XXXX ), and stopped being reported to credit bureaus. Now, they have started trying to collect on that money again, this time through Nelnet, but the debt was discharged. I do not owe them this debt. The debt Nelnet is collecting from University XXXX XXXX  is accurate, but not from XXXX.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

To provide context, On XX/XX/XXXX, the Honorable Judge of The XXXX XXXX PCT. XXXX in XXXX XXXX, State of Texas, conducted a trial between Plaintiff Discover Card and Defendant XXXX XXXX. After a thorough review of evidence and testimony, the court concluded that the Plaintiff had failed to substantiate the claims made in the petition. The court 's verdict was clear and unequivocal : " It was ORDERED, ADJUDGED AND DECREED by the court that the Plaintiff Discover Card take nothing of the Defendant XXXX XXXX, and this case is hereby dismissed with prejudice. '' Upon receiving a copy of the signed court order, I promptly informed XXXX, XXXX, and XXXX about the inaccuracies that Discover Card has been reporting since XXXX. A copy of the court order was also provided to XXXX, XXXX, and XXXX. I requested all data, account information provided by Discover Card be removed immediately from my credit file.This inaccurate reporting is not only unjust but also constitutes a violation of the Fair Credit Reporting Act. Discover Card has since reported to the credit bureau 's that they are reporting the account accurately. A court order on XX/XX/XXXX states Discover card has failed to prove this allegation and I ( XXXX XXXX ) owe Discover Card nothing! ( See attached court order ) Discover card has reported and continues to report inaccurate information and this has no legal right to do so. Any account reported inaccurate shall be deleted, states the law. I demand Discover Card remove all data they have reported to the credit bureaus within 24 hours of receiving this complaint. Discover Card is in violation of the law and this is my final attempt to resolve this matter. If this matter is not resolved within ten days of the date of this complaint, this matter will be turned over to a consumer law firm to file for damages for each violation and all financial damages caused by Discover Card. 

Discover Card 's consistent reporting of erroneous information has inflicted serious harm on my ability to secure credit, leading to higher interest rates and damaging my financial reputation since XXXX. Moreover, this situation has taken a significant toll on my mental and emotional well-being, creating undue stress and XXXX. The inaccurate reporting has affected my capacity to access affordable credit, thereby obstructing my financial growth and stability. 

I request assurance that such inaccuracies will not recur in the future, safeguarding both my financial well-being and mental health. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX Phone number : XXXX Im here to explain a condition with my auto loan from chase bank. I went thru XXXX XXXX to purchase a vehicle. I have the contract from chase bank which I agree on a price. But I never talk to chase bank to agree on any information no interest or any amounts. The company XXXX XXXX set up all the paperwork. They also found the loan company in chase bank. They ran my credit 7 times unauthorized which dropped my credit score so refinancing is a problem. The company acted despite on selling the vehicle to run my credit that many times without comfirming. Now Im stuck with a XXXX dollar loan when the vehicle was never worth that much in the first place it was a used vehicle. A XXXX dollar car note. I never received a contract from chase bank to see where I signed to pay XXXX for a vehicle. I remember what total price owe after down payment and the monthly payment I agree on. Some how XXXX went through some info with the loan that wasnt explained to me. Only between them and chase bank.
Consumer complaint received 2023-08-21
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. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On XX/XX/2023, I phoned Select Portfolio Servicing XXXX Inc. to request an updated escrow analysis to reflect the significant permanent decrease in the property tax for my home. The property taxes decreased by {$1800.00}. 

I followed their instructions to email my request and attached the official tax document showing the lower property tax amount. I did so on XX/XX/2023. 

Since that date, I have emailed my request again ( XX/XX/2023 ) and I have phoned them on five ( 5 ) occasions- XX/XX/2023, XX/XX/2023, XX/XX/2023 and twice on XX/XX/2023. On each occasion, a different excuse was given and a different time frame as to when my request for an updated escrow analysis would be completed. 

The decreased property taxes should reduce my monthly mortgage rate. Given the current rate of inflation, any decrease in my monthly mortgage expenses would be greatly appreciated. 

Thank you in advance for your assistance in getting them to respond to my request.
Consumer complaint received 2024-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I had arranged recurring payments with Navient, set at {$78.00} biweekly to manage my payments better. However, there was an instance where they missed withdrawing a payment. They've also claimed not to have received a payment on XX/XX/XXXX, despite my confirmation that the payment was made. This has me concerned about other potential errors in their management. I'm worried about the impact on my credit score due to their failure to honor the agreed-upon terms between myself and the financial institution, constituting a breach of our legally binding agreement. In addition to not taking out the funds they also never followed through on the agreement to send me the required documentation as mentioned in the text. I have attached the text to this complaint. 

Today, on XX/XX/XXXX, I contacted them regarding the missed payment. Initially, they stated they weren't aware of the reason, then mentioned it bounced back from the bank. When I requested documentation to verify this claim, they couldn't provide it, which seems suspicious. I had sufficient funds in the bank at the time, leading me to believe they didn't process the payment and are now seeking both the delayed payment and a late fee.
Consumer complaint received 2024-01-03
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. (IL)

I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (WV)

XX/XX/ : I filed a dispute as there where multiple transactions I did not make or authorized totaling {$1900.00} On XXXX XXXX XXXX  : I got an email saying it was denied On XXXX XXXX XXXX XXXX I filed a rebuttal, this time with evidence where I was in the XXXX XXXX XXXX XXXXXXXX  event during this time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I informed them my phone was temporarily stolen while I was in the XXXX and that I did not make or authorize these purchases. 

XX/XX/ : They denied my dispute again, even with the concrete evidence I had. 

The reason for the denial was this exactly from the email I received : Transaction history reflects a pattern of adding monies to the account and spending them relatively quickly. 
Transactions on Virtual card, customer in control of Device - Disputed transactions are from the customers assigned Virtual card, and there is no evidence that another device accessed the customers account during the time the disputed transactions occurred. 

First of all, what does me spending and moving money quickly have to do with anything? 

Second of all, they claim I was in control of the device even though I sent concrete evidence that I was admitted to the XXXX XXXX XXXX XXXXXXXX event during the time these purchases were made. How can I be in control of anything under anesthesia? 

Third of all, of course no other device accessed my account because again my phone was temporarily STOLEN while I was under XXXX 

Its very clear, this company did not listen to me at all with anything I said. At this point, respectfully they are just asking to be sued. 

My phone was stolen temporarily, and used to purchase things fraudulently. Things that I did not authorize. I sent them evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are still denying my disputes even with evidence. 

I am filing with the XXXX XXXX XXXX as well, as this is just ridiculous and a clear violation of regulation XXXX.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX has reported a charge off balance on my credit report of {$9500.00}. This amount is incorrect due to the selling of the vehicle that I had voluntarily repossessed. I have attached the sale document I received by email from XXXX showing the original balance as XXXX. The vehicle was sold for {$5700.00}. Per the letter I received, the negative balance is {$5700.00}. 

I have been disputing this information for years to no avail. According to FCRA : 15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Consumer complaint received 2023-08-21
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. (NY)

account number XXXX account number XXXX  I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. This account is reporting twice on my credit report with 2 different account numbers. At this point I feel as if I am being bullied by this company.

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CO)

Global Radius Solution called me and REFUSED to say why they were calling. They only wanted to 'verify ' information. They refused to tell me why they called. They are harrasing people and maybe stealing people 's identity, or doing something shady. They REFUSED to tell me the nature of their call. They only wanted me to give them personal information and didn't tell me why they needed it.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

* This is not a duplicate complaint * XXXX XXXX XX/XX/2023 Experian Consumer Relations XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Discrimination and Antisemitism - Account : # XXXX XXXX XXXXXXXX XXXX Dear Experian Consumer Relations, I am writing to bring to your attention a matter of great concern regarding my credit report, specifically in relation to an account under the name XXXX. I have recently filed disputes with Experian concerning this account, expressing that it is not mine and disputing its negative impact on my credit score. 

My credit score, which was previously in the XXXX, has inexplicably decreased to XXXX as of XX/XX/2023, despite no new negative information being reported. I find this decline both perplexing and unjust, as it is impeding my ability to secure loans for crucial endeavors such as home, automotive, and business ventures. 

I have diligently and repeatedly disputed the accuracy of the XXXX account, filing complaints in XX/XX/2023, XX/XX/2023, and XX/XX/2023. During these disputes, I communicated to Experian representatives that this account is not mine and is significantly impacting my financial prospects, resulting in loan denials. 

It is disheartening to note that, despite my efforts and communication with Experian, the matter has not been adequately investigated. The continued presence of the XXXX collection on my credit file is detrimental to my financial well-being and has created barriers to my pursuit of financial freedom. 

I must express my deep concern that these actions may be indicative of discrimination and antisemitism. As a consumer, I rely on credit reporting agencies to act impartially and ensure the accuracy of information on my credit report. It is disconcerting to believe that such actions may be motivated by factors beyond the objective assessment of creditworthiness. 

I am seeking a prompt and thorough investigation into this matter, as well as the removal of the inaccurate XXXX account from my credit report. I trust that Experian will address this issue with the urgency and gravity it deserves, ensuring fairness and integrity in the credit reporting process. 
I've filed FTC complaint # XXXX and was told to forward this to include a new CFPB complaint. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I observed notable discrepancies in the reporting of two specific accounts affiliated with American Express ( AMEX ) across my credit reports from the three principal credit bureaus : XXXX, XXXX, and XXXX. These inconsistencies not only raise concerns about the precision of the reported data but also the legitimacy of the account status. 

Specific Concerns : Date of Last Activity Discrepancies : For the account ending in XXXX, the reported date of last activity varies considerably : XXXX lists it as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. 

The account ending in XXXX also has differing dates : XX/XX/XXXX as per XXXX, XX/XX/XXXX according to XXXX, and XX/XX/XXXX by XXXX. 
Creditor Remarks Discrepancies : The remarks across bureaus for both accounts differ. For instance, XXXX mentions " Charged off as bad debt, '' while XXXX includes details like " Account has been closed due to inactivity '' among other remarks. 

Question on Debt Status & 1099-C : Both accounts are reported by AMEX as having been " charged off '' and " reported as a loss by the credit grantor. '' Intriguingly, during a phone conversation with an AMEX representative on XX/XX/XXXX, I was informed that the debt was charged off on XX/XX/XXXX. However, the same representative confirmed they can not provide a 1099-C form for these accounts. The 1099-C form typically indicates that a debt has been canceled, making its absence concerning given the reported status of these debts. 

Actions Taken : In XX/XX/XXXX and XX/XX/XXXX, I utilized the online dispute mechanisms of XXXX, XXXX, and XXXX to address these inconsistencies. 
Between XX/XX/XXXX and XX/XX/XXXX, I communicated with AMEX 's credit reporting and dispute resolution department multiple times, seeking both clarification and rectification. 

As of XX/XX/XXXX, the discrepancies remain unaddressed, leading to my decision to escalate this concern via this complaint. 

Given the discrepancies and potential inaccuracies, I earnestly request a comprehensive investigation. If validated, I seek the removal of these accounts from my credit report to ensure accurate representation of my financial history.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.