davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX XX/XX/2023, my family and I enquired about a rental property on XXXX XXXX. We verified the " landlord 's '' contact information and the profile information seemed to be consistent with the property details. A 3rd party phone number reached out from XXXX from XXXX. 

The property add was taken down once we filled out the " application '' and were " approved '' for the background check. We checked the Pennsylvania law for the application fee and it seemed to be consistent with PA-law. Before paying, we asked if we would be refunded if we were not approved for the property. My sister submitted a complaint with the XXXX XXXX XXXX XXXX. Through XXXX XXXX XXXX, another person 's identitaty was used for the property and we were dubbed into paying an application fee of {$200.00} with a promise for a refund. 

The property is not on the market for rental, and the {$200.00} was not refunded by the owner as promised. 

Additionally, they insisted that a tour of the property would promptly be arranged after a deposited of {$1000.00} for the security deposited was transferred through XXXX. On XXXX XX/XX/XXXX, I wire transferred the money to a different account from the previous account that were given : " XXXX XXXX '' and I was not refunded the money for the security deposit in spite of the " contract '' saying the security deposit was refundable under the " delivery of possession '' section. Immediately when I suspected the fraud I reported it my bank, Citizen 's bank, the file a claim. This happened the day of. Citizens found my claim to not be credible, in spite of the fact that I could present phone transactions, a false " contract '', and my prompt reporting. I tried to present everything the following day to my near by branch, but the accountant insisted that they didn't deal with claims or investigations. I'm very displeased with the customer service as I had been a loyal customer for nearly 15 years. My sister 's bank, XXXX, took in a detail account for her scammed {$200.00} and did an actual investigation.
Consumer complaint received 2018-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (PA)

I complained starting on XX/XX/XXXX My account at their website where you make your payments is totally useless as it will not allow me to link my bank to my account so as I can make a payment. After many e-mails that were in large part ignored and a couple of aborted phone calls nothing has changed. I just sometimes receive a form letter reply that runs me around in the same circles and with no results, no resolution. There is only one e-mail link on their sire help and it is pointless to go there again and again. I have tried many times and in many places to find a support address or phone number with no success. I have repeatedly asked them for support and pay by phone telephone numbers in my e-mails to them and was ignored and sent the same form letter. I just want to be able to make payments on my account and fear they are going to impose late charges and other penalties on me. I think I should be protected from their negligent and high handed practices.
Consumer complaint received 2023-06-20
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: TD BANK US HOLDING COMPANY (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

Citibank Closed my checking account ending in XXXX. I was told I would have the balance in the checking account sent to me via mail in a check within 60 days of the account closure. This was 60 days ago. I have still not received the check. I have contact Citibank by phone, email, and in-branch. No resolution or check provided.
Consumer complaint received 2023-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

I contacted Nelnet in XXXX requesting my detailed forbearance and deferment history including types. I have called multiple times and still havent received it. As of XXXX XXXX Nelnet no longer holds my loans and I need this information. My request was prior to my loans transferring to another servicer.
Consumer complaint received 2018-10-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My husband passed away in XX/XX/XXXX and my income was cut in half with his death. I contacted Wells Fargo for recommendations to save money so that I could stay in my home. They suggested a conversion from my HELOC to a standard mortgage and I agreed. They put me on a trial period that significantly increased my payment but it included my escrows which looked indeed like a savings. I completed my trial period without missing any payments but during that time Wells Fargo began to send me notices that I owed escrow shortages and that they could not complete the conversion unless I took the house through an expensive escrow process. In short the conversion did not work out as it was costing me so much more money as well as all the surprise fees Wells Fargo was hitting me with made the reality of the conversion an untenable situation for me. So the conversion was cancelled and my loan went back to the original HELOC of {$360.00}. 

During the initial period of the attempted conversion I made 7 payments of {$600.00} almost double of what my HELOC payment was. The total payments were {$3500.00}. 
My calculations show that i am owed money back since the conversion did not take place YET on XX/XX/XXXX Wells Fargo 's XXXX XXXX insisted I was not to get a refund and instead I owed them {$190.00} to go back to my original HELOC. This is just not right. It's Wells Fargo so I paid the {$190.00} under protest. 

This conversion was supposed to help me as a widow and be stress free, it was in fact a horrible experience full of additional expense and tons of stress. I am asking for the return of the difference since I am back on the HELOC and that the conversion never took place. I paid them {$3500.00} for those 7 months, my payments would have been {$2500.00} so I am asking for the difference of {$980.00} plus {$190.00} that I paid on XX/XX/XXXX for a total of {$1100.00}. 

I will send you all the supporting documents, I have to have a neighbor fax or scan them to you.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Experian had offered me to see if I would qualify for a debt consolidation loan on their credit monitoring app. Before you push submit, it clarified that it would not effect your credit report and there would be no hard inquiry. As a result of doing this, I ended up getting 2 separate hard credit inquiries. I have not directly applied for any loans or cards any time in the past 6+ months. I have called Experian and they believe it is identity theft and that its just a coincidence that they came the same day I did this application on their web site. They have declined any responsibility and decline to help with the hard inquiries. I believe they should be responsible because without the statement before submitting the application, I would not have submitted it. I am now chasing this down myself and losing time at work trying to fix it.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (ID)

In XXXX of 2011 I was assigned a cell phone number by my company. Since that time an undisclosed company has been trying to collect a debt for one XXXX XXXX, whom I assume is the previous holder of the phone number ( XXXX ) XXXX. I tell one debt collector that I am NOT XXXX XXXX, and to stop calling me. The collectors will not tell me whom they are trying to collect the debt for, but whomever it is just hires one collector after another, and for the past 12 years it has been very harassing. Now the Debt collectors are resorting to texting, and I don't know how to report them- so I am trying this avenue. The Company currently texting is : " XXXX XXXX XXXX at ( XXXX ) XXXX regarding a matter of AFFIRM INC . I am also told to go to XXXX XXXX XXXX, but I don't visit possible spurious sites. Can you please find a way to have these collectors stop. Twelve years is Ten years too long for these people to get a hint.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a XXXX balance. FTC XXXX XXXX XXXX, item XXXX states : " A consumer report may include an account that was discharged in bankruptcy, as long as it reports a XXXX balance due to reflect the fact that the consumer is no longer liable for the dischargeddebt and there should be no additional reporting after the bankruptcy filing date. XXXX XXXX XXXX and the XXXX accounts was included in my Bankruptcy and needs to be deleted according to Chex Systems policy.
Consumer complaint received 2023-06-20
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)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-20
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (FL)

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a secured card from capital one bank and when I signed up it had an annual fee attached to it. Now on the capital one website it says there is no annual fee for the secured card that I have. They are still charging me an annual fee even though they no longer do for that card according to their website. They would n't budge on the issue when I called even though they 're offering the no annual fee on new cards. I am being overcharged for the service that they now provide with no fee.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-20
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)

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please 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.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I received an check from XXXX insurance company, I deposited it into my account it was approved and ta few days later made available. The same day it was made available I had a problem with an insurance company charging my account which was unauthorized. I additionally received my paycheck, I tried to XXXX  my mom money for rent and it placed a hold. Okay so I waited for the morning and tried calling in and I have to speak to a fraud representative. This representative XXXX is very hard to get into touch with, the entire department is. I was told I would receive a call back Friday before the end of the business day after sending in proof of the check stubs and check from the insurance company and never received a response. I call in today and was told by a banking employee that they can only hold my account till Thursday XX/XX/2023. Upon finally speaking to an fraud agent I'm being told it can be held for 14-20 days. This is completely, unacceptable. I am a working adult who has bills and responsibilities and this type of service is unacceptable. I asked them if theirs an issue with the check to just remove it from the account and i will walk into the local bank where the check was issued, they don't wan na do that. They say it's about authenticating the check and I have worked at a bank, I know you can call them and ask. I just want access back to my account and the hold to be lifted.
Consumer complaint received 2023-06-20
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. (SC)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

PayPal complaint Account : XXXX ( XXXX ) This is my second complaint against PayPal Inc, PayPal Credit within one month ( see case # : XXXX ) Upon my first complaint PayPal Inc responded in a childish manner that they feel as though anyone ( me ) opening account with PayPal is  taking oath for life to provide my bank information. 

No, PayPal Inc. I didnt marry you. 

PayPal have underperformed for quite a long time with me, doing business the way PayPal ill written policies are. I am not OK with this type of business, and I am done with PayPal. 
PayPal Inc, PayPal Credit does not respond to emails ( screenshot attached ) as normal businesses do within usually 24 hours. 
PayPal Inc, PayPal Credit treats customer as a nuisance not a business partner.

I believe PayPal is governed in our country by the same laws that govern all banks and financial institutions. 

Over the years I opened and closed more than 20 accounts with banks and other financial institutions. I paid up my balances and closed those accounts. 

PayPal has the audacity to reply to complaint I wrote to FTC as though the laws of USA do NOT apply to their institution. 

FACTS : Upon receiving statement on XX/XX/18 asking me to pay/cover my balance of XXXX I sent payment by check ( check # :1 screenshot attached ) On XX/XX/18 PayPal Credit posted check to my account ( screenshot attached ) On XX/XX/18 PayPal Credit cashed my check at my bank ( screenshot attached ) PayPal Credit did not apply this payment to my balance. 

PayPal Credit usurps to have some rights to me and my bank account. 

No, no bank or financial institution has that right. 

By this letter I am canceling my relationship with PayPal Inc, PayPal Credit and any other businesses containing PayPal in name. 

Apply funds available on my account to my outstanding balance CLOSE MY ACCOUNT ( XXXX )
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had a few charge offs on my credit report so I settled and agreed to pay in full settlement amount. After the the agency took my money they never reported it as settled for less then full amount and paid. They only deducted what I owed. I called over and over again .sent many letters and disputed with equifax .XXXX and XXXX. They havent updated as settled and paid, still shows remains balance
Consumer complaint received 2023-06-20
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. (FL)

I have mailed each credit bureau ( Equifax, XXXX, and XXXX ) as well as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding inaccurate information reporting on my credit report. I requested validation of debt on XX/XX/2023 and XXXX XXXX XXXX did not validate the debt by providing the requested documentation, a 2nd letter was sent to the company for failure to validate on XX/XX/2023 and I received a response that they will not look into this any further. In addition to sending the company 's letters, the credit bureau stated it was accurate information but did not provide the method by which the information was obtained when it was requested on XX/XX/2023. I received a letter only from XXXX stating that took proper measures but never stated which methods as requested in the letter. All three credit bureaus are reporting different high balances on this account. As you are aware, there can only be one high balance on an account. This account has not been properly verified.