davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (DC)

My Paypal account was somehow switched to PayPal Credit account last year. I do n't recall requesting this credit and I never authorized PayPal to start billing my PayPal purchases to the PayPal Credit. I was not paying attention to how this was being billed, and never got any monthly statements for this new credit product. Last week, I was sent a bill for my PayPal Credit balance, and it was very high, but I just paid off the balance. 
I think you should advise PayPal to NOT unilaterally switch customer payment options to Credit. It should be very clear that customers are now paying with credit rather than directly debiting from their bank accounts. I believe this was a predatory lending practice and I am sure other consumers have been tricked into using PayPal Credit against their wishes. 
Thanks, XXXX XXXX
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates (MO)

I was called while I was working as XXXX and harassed as well as threatened while I was XXXX. i advised the collections agency that i would call back and he asked question after question and making statements that he would place my account on status with the XXXX credit bureaus. i advised him that they were a third party agency and that i have not signed agreed or entered into a contract with them. he asked for information and i gave it to him in an effort to verify no affiliation with the company. the company stated that i agreed to some form of agreement which i continuously advised them not to contact me and that i do not have any verbal or written agreement with them.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-31
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. (TX)

I am writing to express my serious concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to see any resolution or corrective action taken. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative impact of these inaccuracies has caused immense hardships, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a thorough investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (FL)

The reason for my complaint is because this debt was added to my credit report without a debt validation letter. I do not agree that I owe the creditor that the collection agency is attempting to collect the debt on behalf of. I feel that the creditor concocted a debt and sent it to a collection agency without sending it to me to avoid me questioning the debt. I feel the creditor did this because I chose not to extend my lease, even after they offered to reduce my rent. When I originally signed my rental agreement, this home was owned by XXXX.It was later sold to XXXX while I was still under lease agreement. At the end of my lease, I chose to move. I was not aware that this company reported a debt to a collection agency until I attempted to advance in employment and a credit report was pulled. I have sent numerous request to the collection agencies to remove this item, but they continue to find the debt valid. On XXXX XXXX, 2015, I sent a debt validation request to the collection agency, but they have not responded. I sent the letter by regular mail, but I know that the letter was received because I requested that they remove a duplicate item from my report and the item was removed. Please assist me with resolving this issue.
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NC)

I have XXXX bank accounts with BB & T, neither are used as overdraft protection for the other because I preemptively " opted out '' for both accounts with the understanding that BB & T would decline all transactions if/when my accounts have insufficient funds. On XXXX XXXX, 2016 BB & T transferred {$140.00} out of XXXX of my bank accounts without my permission. The {$140.00} was apparently taken to pay off a {$5.00} service fee and {$140.00} of overdraft fees amassed from {$45.00} being pulled from my account as result of XXXX 's default settings. Again, my understanding of the " opt-out '' option was that the bank would decline all transactions if funds were not available. Nonetheless, I have made a voluntary payment of {$45.00} within the last 30 days, but the forced transfer of {$140.00} on XXXX XXXX was done without my permission and to my detriment as I have other, more pressing expenses to handle right now.
Consumer complaint received 2016-02-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Academy Mortgage Corporation (ME)

On XXXX XXXX, 2015 our home went under contract to sell to a buyer that was never qualified to make the purchase. The buyers lender XXXX XXXX of Academy Mortgage knew this all along and continued to make excuses and give our Realtor XXXX XXXX bad information. After refusing to sign a third extension and demanding the buyer meet with a qualified lender we were notified the buyer could never close the transaction. After XXXX under contract the home has now been relisted. Now the buyers realtor and the lender XXXX XXXX are trying to date a denial letter in an effort to return the buyers earnest money to them. XXXX knew all along the buyer could not get financed and used delay tactics to stall us and keep the home under contract forcing us to continue to make double mortgage payments. XXXX XXXX lied about the status of the loan mutliple times, about the ability of buyer to buy, and shared confidential information about the buyer with a third party. My realtor has examples in email form.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Experian is committing FRAUD and personal Discrimination acts against my personal credit File with an attempt to Reduce my Credit Score and cause me hardship with higher interest rate for being a Strong Advocate XXXX XXXX XXXX Consumer that 's fought back against the establishment. These XXXX are and have been reporting Collections Account information FRAUDULENTLY, below are the XXXX Fraud and erroneous account the XXXX are attempting to hold hostage on my account : 1. XXXX XXXX XXXX XXXX, this XXXX account was included in my bankruptcy account, Bankruptcy number XXXX, that 's been PAID IN FULL and discharged, but these XXXX Experian is still report this account on my credit file. I 've spoken with XXXX XXXX XXXX XXXX that they 've sent me and verbally spoken with me and assured me that they are not reporting this account with Experian and NO other XXXX 
Credit Reporting Agency. Again these XXXX are hindering my credit score and causing me to pay higher interest rates. 

2. Medical Collection, XXXX XXXX XXXX, Acct. # XXXX, this account was paid by the XXXX, I 'm a XXXX XXXX Veteran and I have the VA as my insurer, and I have XXXX, and XXXX XXXX as my medical Provider. I 've spoke with XXXX XXXX XXXX, I have a XXXX letter from them stating that they are not reporting not one XXXX thing to EXPERIAN, these XXXX ( EXPERIAN ) are falsifying and Committing Fraud against my credit file. I would like for the Consumer Financial Protection Bureau to call XXXX XXXX XXXX at XXXX and they will verify my concerns as being TRUE, I do not owe a XXXX penny to XXXX XXXX XXXX period, Account # XXXX. I 'm also contacting XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and an Social Security Beneficiary and the aging dept of the Justice Department civil rights division, these XXXX are playing with me as an XXXX XXXX American Consumer! Enough is Enough NOW!
Consumer complaint received 2016-02-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (LA)

I took out a XXXX payday loan from Castle pay day. They are charging a XXXX finders fee for this loan every month. I have to pay something on the principle plus finders fee. The rate is somewhere around 575 %. is this legal
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

received letter in mail stating that XXXX of my account holders has changed my name, address or SS number and I should get it checked out. The letter came from Equifax. I order my XXXX reports, XXXX and XXXX XXXX come in 1 week and all info is correct, I get another letter from Equifax saying that they ca n't identify me and I must send them a copy of SS card and Drivers License. I email them and they say that it is hard to help me without my member ID number. I then call them and give info again and they want credit card info. This is extortion to get you to buy their services. They will not let me view my report. I will not buy their membership. I am sure I am not the only person this has happened to.
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (FL)

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section atc ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report ACCOUNXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

received a statement from Convergent Outsourcing , Inc. stating that I owed XXXX XXXX {$150.00} when I 've never had a XXXX account. I called XXXX to verify that I did not had an account.
Consumer complaint received 2016-02-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Social Finance, Inc. (CA)

I have a personal loan with SoFi. On XXXX XXXX, XXXX, I made a payment to pay off this loan in full. I then cancelled the automatic direct deposit that had previously been connected to my account. Sometime after XXXX XXXX, XXXX that payment was rejected. Upon being notified that the payment was rejected, I initiated a wire ( with wire instructions provided by the customer service representative ). This wire was initiated on XXXX XXXX, XXXX. It is now XXXX XXXX and that wire has still not been applied to my account. Not only has the wire not been applied by SoFi reached into my checking account and took out a monthly payment inappropriately on XXXX XXXX. Regarding the wire not be applied - I have called or emailed almost daily about this matter. Each time, I have to speak with a different person and have to explain the scenario over again. I have had multiple people tell me that they will call me back " today '' or " tomorrow '' and I never receive a call back. I have had multiple emails to customer service not been returned. Regarding inappropriately taking almost {$400.00} from my account, the customer service representative told me that it was my responsibility to turn off my direct deposit. I was able to show him that I did indeed turn this off. This was evidenced by a XXXX XXXX payment NOT taken from my account. He then told me that he would speak with his manager about issuing a refund and would " call me back tomorrow ''. I never heard back from him.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. ()

I am a self-employed American citizen who has been living abroad for 26 years. I have owned properties in the XXXX, XXXX and XXXX and have good credit ( took a mortgage for 19 years ). I now plan to move XXXX and pursue my work there. I applied for an XXXX XXXX XXXX/Citibank card but was denied the card because I have no credit history. They also refused to allow my sister ( who has good credit ) to cosign on a card. I tried then to get a simple credit card from XXXX ( where I have maintained a checking account for many years ). They also denied me a credit card. This is simply unacceptable that I am not being given a chance to start my life with simple financial products as a healthy XXXX year old. Because of this bad credit score, it is making it difficult to even take a lease on a property without a guarantor or full payment upfront.
Consumer complaint received 2016-02-09
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (IL)

RIP OFF AND FRAUD COMPLAINT. 

Message : Complaint # XXXX. Copy of my complaint to XXXX. and FTC. 
XXXX XXXX XXXX cancel the ACH services and Directed me to ENROLL for my Social Security Bennefit Payment with XXXX who latter asked me to Register with Direct Express Card Payment Processing Services . I did Enroll since XXXX XXXX, 2015. ATM card was issued for me on XXXX XXXX 2015. Up to date, I did not get the ATM Card. It was never mailed to me. But my Benefit payment was been Sat Upon, starting from XXXX 2015. Now they have my XXXX, XXXX, XXXX AND XXXX Payment without me being able to access my money for four Months. My Family is Starving and has no money for Food since. My Small Children are the Victims of this wicked act.I have Cancelled my Business with them, but access to my money with them remained a misery. i need my money to feed my little children and myself. Please Help me somebody. 

Desired Settlement : Refund My Benefit Money for 4 Months, Namely XXXX, XXXX, XXXX and XXXX is to be SENT to Me Either on a replacement CARD or By Check in my Name to be sent to my address at the XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX for the 4 Months, to be sent to Me Please. 

I am contacting you to see if you can help me recover a 4 Month Payment recieved by this company. But refused to furnish the Payment to me since last year. All efforts to get this {$350.00} x XXXX = {$1000.00}. in Total proved abortive. The company is named : Direct Express Card. Phone # XXXX and XXXX. Cust.Support XXXX. Social Security Bennefit Payments For Me.. This company collected 4 months of my money without giving me the money up till date. Can you collect this money for me Please? I am corrently in XXXX. XXXX My Phone # XXXX XXXX and XXXX. This company address is XXXX XXXX, XXXX XXXX, XXXX XXXX Email : if it is working is XXXXXXXXXXXX Please let me know if you can assist or Direct me to Who can help with this information given to them. thanks. 
This is done to many more People too. 
This wicked practice has to STOP on SENIOR CITIZEN. Thanks.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.
Consumer complaint received 2015-06-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

the law office of XXXX XXXX XXXX filed motions in court in a small claims case, where another attorney was involved in suing me. XXXX XXXX XXXX has a different bond number that that of the attorney suing me.
Consumer complaint received 2015-06-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: AMERICAN EXPRESS COMPANY (NJ)

We are currently in XXXX Court ( next court date XX/XX/XXXX we filed XX/XX/XXXX ) finalizing our payment plan for a chapter XXXX bankruptcy. During this time there is a stay in place and American Express who sued us last year ( before we filed ) went ahead on Friday XX/XX/XXXX and took our Tax Refund and other money from our bank account, every cent we had, money meant for our mortgage and property taxes, bills and groceries ... every cent {$2400.00}
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I am submitting a complaint about Wells Fargo holding funds from a check I deposited into my business checking account. The check was from a client and written to myself, the business owner, and my employee. I deposited the check in the ATM and was told funds would be available the following day. The funds showed up the following day on my account, but when I attempted to make a business purchase my card was declined. I immediately went into the branch and was told by a banker that there was a hard hold on the account even though the check funds had cleared due to the third party name on the account. They called loss prevention who advised me to simply bring in the third party and have her sign a hold harmless agreement and that the funds would be released or if I did nothing the funds would go back to the original account after ten business days. I took my employee out of the office to go to the branch and sign the agreement. After signing the paperwork, they then told me that they needed a proof of payment letter from the issuer of the check, XXXX. They told me to go to XXXX to obtain this letter. In an attempt to get this taken care of I went to XXXX personally to ask for this letter. XXXX advised me that it was ILLEGAL for them to give me a proof of payment and funds from the issuers account. I went back to Wells Fargo to inform them of the illegal action they sent me to do. The loss prevention team then told me to bring in my client who wrote me the check to verify the check and the funds. My client, myself, and my employee came into the branch and verified the check, showed the online banking for the account indicating the check was good and had processed. He also had XXXX verify over the phone the proof of funds to the personal banker and branch manager. They told us that the release would be completed within 24 to 48 hours. It has now been 19 business days, over three weeks and no funds have been released to myself or back to my client. I have been called a liar, given the run around, yelled at, hung up on, and treated like a criminal by Wells Fargo loss prevention. They have frozen my account and all my funds, in addition to the check funds. They have ruined a business transaction for over {$21000.00}. I have spent hours trying to speak with them and explain the FCPB regulations just to be hung up on. They are unreasonably holding my funds and not releasing them to myself or back to my client. This is the most ridiculous thing I have ever had to deal with. They keep telling me to do one thing, I do it, and then they say no do another thing. After all the running around I 'm doing I still have no account access, no funds, and no explanation. I have never been treated like this by anyone, no less a bank I have been loyal to for years with my business. This situation needs to be resolved right away, this is beyond out of hand. I have continued to reach out to managers and was told Id receive a call back and still never was called.