davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

There are unauthorized transaction on my Paypal account and I reported to Paypal immediately. However, Paypal decided that I am responsible for the charges and has been sending me text/email/calls to collect the money. 

Between XX/XX/XXXX around XXXX to XX/XX/XXXX XXXX, there were multiple inbound and outbound transactions on my account -- - Inbound transaction : XXXX. {$180.00} USD XXXX. {$99.00} USD XXXX. {$280.00} USD Outbound transaction : XXXX. {$270.00} USD XXXX. {$280.00} USD I immediately changed my password and filled a claim with Paypal by XX/XX/XXXX XXXX. When I logged into my account, I found an unrecognizable phone on my account which was added right before those unauthorized transactions. But I only received an email from Paypal that a new phone number was added. Paypal did not ask for any verification to allow a phone number to be added. 

During normal business hours on XX/XX/XXXX, I called Paypal to report this and asked them to look into where the transactions were initiated. I was told that the login was from out of XXXX in another country. I told them that I have been in XXXX the whole time and that was not me. 

A few weeks later, Paypal took money from my account to refund the inbound transactions. But they did not get my money back from the outbound transactions. I called Paypal and was told that Paypal ruled against me so I am responsible for those transactions. I explained to the representative about what happened and she agreed to help me appeal the ruling. However, I kept get text/emails/calls saying that I own PayPal money and they are collecting them.

I am very disappointed at Paypal 's service. First, they failed to detect an fraudulent login from outside of XXXX. Second, they did not get my approval to add a new phone to my account. Third, they refused to protect a customer from unauthorized transactions despite the fact that I reported the incidence immediately with a few hours of the transaction and called in a couple time as well. I called again last week and was disconnected by their associate. 

I hope CFPB would help me to ask Paypal do the right thing by their customer.
Consumer complaint received 2024-09-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (WV)

I have tried to work with Global Lending Services to set up a payment arrangement or deferment to get caught up on my loan. My family and I have had financial difficulty and it feels like this places do not care. They continuously call me monday through friday. send me emails and texts at all hours of the day. They have even called my work place which is an inconvenience for me. 

I have asked them for a deferment and they try to railroad me into not letting me. I just want to get help to get caught up
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

I spoke to this company in 2022 and told them this debt was fraudulent they simply told me the longer it stays on reports the more I will owe regardless of who it belongs to and it will increase to $ XXXX {$300.00} each month and it has each month. This practice of a collector intentionally increasing a bill each month, which is considered illegal, is often referred to as " debt stacking '' and is generally prohibited under the Fair Debt Collection Practices Act ( FDCPA ) as it constitutes an abusive and deceptive collection tactic. '' and I demand it blocked/removed on all three credit reports but particularly XXXX. 
also, place on my record to this : Failure to respond satisfactorily could result in small claims action against your reporting agency I will be seeking damages but not limited to each violation I have noted a statutory cost of {$1000.00} per 15 U.S. Code 1692k violation :
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

Online order with me on XX/XX/XXXX XXXX of XXXX which posted to the account on the XXXX of XXXX for {$230.00} of which {$190.00} was disputed due to item being returned to merchant. Item was shipped on XX/XX/year> and delivered on XX/XX/year> via XXXX. Credit was never received and dispute was filed, bank stated that it was a valid charge. Requested documents used in decision and was provided the statement I filed. I filed a reevaluation and bank still found to be valid charge even though delivery receipts and conversation with merchant was provided to bank. Have asked several times to escalate the issue and no response has been given.
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

The TD Bank in XXXX, NY ( well TD in general ) has no idea what they are doing! I 've had a few accounts with them and at one point they were closed due to being negative, overdraft etc. I have since taken care of each of them and somehow now they have NO RECORD of it. Not only that but with my last account they was some fraud activity and I was never notified of the issue but the account was placed on HOLD. When I noticed the account was on HOLD I then called and spoke to an agent who transferred me to the fraud department. I was then advised the best for me to do was to take care of the negative balance which was {$50.00} and then closed the account and reopen a new one.I was not advised of any time frame, in fact, I was advised to go into a branch once I received the refunds I was waiting for since they would cover the negative balance.Since this all happened around the holidays I did place everything on HOLD till after the holidays. Since then I have been in this branch several times and not ONE person has been able to assistant me with this issue. One they are claiming not see any notes from the first agent stating what my " due balance '' is ( which I ca n't seem to understand because the first rep I spoke to was able to locate the notes. And I would think everyone has access to the same notes and files ) This back and forth with them has been ongoing for months and no one has helped not even a small bit. They have actually kept $ XXXX and something dollars from me ( which I should say STOLE ) with no valid explanation1 I have tried to contact their corporate office via email and via XXXX and no one has replied. I think this is ridiculous that they are getting away with the things they are doing. It 's not fair that I am paying for their XXXX. And now because of their XXXX, this is showing up on XXXX report and preventing me from opening any future account. I would greatly appreciate it if someone got back to me with some of solution for this problem. 
Thank you, XXXX
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/year> The financial institution, JPMorgan Chase Bank, N.A., improperly placed a restriction on the demand deposit checking account for the account owner, on XX/XX/year>, and wrongly prevented the account owner from being able to deposit funds in the form of cash into the checking account on XX/XX/year>, in order to cover six ( 6 ) automated clearing house ( ACH ) transaction items that were presented to the checking account for payment on XX/XX/year>. The financial institution, JPMorgan Chase Bank, N.A., wrongly returned the six ( 6 ) automated clearing house ( ACH ) transaction items that were presented for payment, on the following morning, XX/XX/year>, even though that adverse decision is inconsistent with the stated policy of the financial institution, JPMorgan Chase Bank, N.A., to allow time for funds to be deposited to a demand deposit checking account to cover an overdraft, and although the account owner was provided a verbal assurance by a representative of the financial institution, JPMorgan Chase Bank, N.A., to confirm that the six ( 6 ) automated clearing house ( ACH ) transaction items would not be returned prior to XX/XX/year>, during a conversation held via a telephone call to the relevant department at the financial institution, JPMorgan Chase Bank, N.A., on XX/XX/year>, and despite the fact that there were funds available in the account that were sufficient to cover two ( 2 ) of the automated clearing house ( ACH ) transaction items that were presented to the account on XX/XX/year>, and in spite of the fact that the account owner previously has submitted formal verbal complaints to the financial institution, JPMorgan Chase Bank, N.A., in connection with prior similar arbitrary decisions to return automated clearing house ( ACH ) transaction items that were presented to the checking account for payment.
Consumer complaint received 2016-07-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (FL)

My fiance and I was searching for a forever home and we finally found one and put an offer on it. My fiance went with freedom mortgage because he was referred. The house was supposed to be a convential loan but with the ac missing and the front door in need of repair it had to be a XXXX loan. I was told it does n't take a super long time but it is longer than comventional. They were still gather info on our credit and financial things even in to month 3. Which is ridiculous. By the time they sent for an appraisal, that did n't come back for over 3 weeks which was after our closing date. Yes, we had to have an extension and it was approved. The appraisal came back with XXXX item on the list which included a whole lot of small repairs including replacement of a vanity cause the floor in it was broke to outlet covers, but yes there was one repair that cost a lot and that was the outside siding. Freedom mortgage would n't let me pay any money out of pocket or do any of the repairs myself which just kept raising my mortgage dollar amount. I had the money to pay for repairs out of pocket but they said that all I had to do was tell the contractors to not deduct the whole amount and the money left in account will go back to principle, and meanwhile with their procrastination we had to have a second extension which was approved. Now it 's past 4 months and closing date is coming up again and my lender tells me we are not going to close on that date. I filed for a 3rd extension and was told I would have to put more money down for deposit and my extension is approved but only because I am an excellent buyer with excellent credit and money in the bank. With the 3rd extension steadily approaching it was clear freedom mortgage would not be able to get their paperwork in order. My loan officer and my loan processor could not agree with anything and my loan processor kept losing my personal financial paperwork hence why it took over three month to collect my financial stuff. Now I lost the house and I 'm extremely mad because that was a home that I could see myself for the next 30 40 years. My loan was denied because of too many extensions not because of me but because of them. But they sent me a denial letter saying I cancelled the deal, which I did not. And because of that I ca n't get my deposit back. Please help me get my deposit back.
Consumer complaint received 2024-08-28
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. (AZ)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-11-16
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (KS)

On or about XX/XX/2016 I was contacted by my mortgage company XXXX Mortgage about refinancing my VA loan. I was told by the agent that I would not have a payment in XX/XX/XXXX and would have my next payment on XX/XX/XXXX But I was also told not to skip XX/XX/XXXX thus leading me to believe that I would still have a 30 day grace in skipping a payment. Now the company is saying I should not have been told that by the agent or the closing agent. I was assured this was the case and now that the loan is closed it was all a lie
Consumer complaint received 2024-08-24
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. (IL)

I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so THE 3 BUREAUS are committing forgery fraud and will be reported to the authorities for that. 

Bankruptcy XXXX  XXXXdischarged Reference # XXXX XX/XX/year> Bankruptcy : Discharged XXXX Reference # : XXXX XX/XX/year>
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Under XXXX5 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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 or reseller. 

Account name : XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2017-01-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I received a XXXX from my XXXX XXXX on XX/XX/2016. The balance was paid in full, as I have confirmed with XXXX XXXX XXXX. I received a mailed notice from CMRE Financial Services attempting to collect a debt of {$200.00}. They would not provide me with any additional information about the debt accept that it was from a XXXX done on XX/XX/XXXX. I only received one XXXX at that time. I confirmed with XXXX XXXX XXXX that there is no remainder owed, additionally they confirmed that CMRE is not a company they use for debt collection.
Consumer complaint received 2016-10-14
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sortis Financial, Inc. (FL)

On XX/XX/XXXX My financial advisor and myself contacted ClearSpring Loan Services concerning account # XXXX. We spoke to a XXXX XXXX at XXXX. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in XX/XX/XXXX.
Consumer complaint received 2024-08-24
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. (IL)

this is my follow up complaints to remove the account.. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX {$710.00}
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

For the last number of months, I have been receiving phone calls from a company known as Portfolio Recovery. 

They do not leave messages, they just keep pestering my XXXX. 

At about XXXX, today, XXXX XXXX, 2017, I called back to the number they called me on earlier this morning, and told the lady who answered the phone that I do not want her company to call me anymore. I do not owe anybody any money. 

My phone number is XXXX. 

The various phone numbers they have called me from just in the last month are : A. XXXX B. XXXX C. XXXX D. XXXX E. XXXX F. XXXX I think that this " SCAM '' company should be exposed, and the people who manage the company should be indicted. All the money you can get from them should be evenly dispersed to the people they have needlessly pestered, which is probably 100 % of the people they are contacting.