davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CA)

Date XXXX Your Name : XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CA Zip Code : XXXX My name is XXXX XXXX and my ss # XXXX and my husband name is XXXX XXXX XXXX and his ss # XXXX. 


I am writing to dispute the following information in my and my husband file. late payments to Guild mortgage Account XXXX XXXX for my mortgage payment.I am requesting that this item be deleted. I am buying a car and when they pull my credit it shows I have late payment on my credit, so they are giving us high interest. The only reason the payment was late was because they charged me to insure my payment but I have insurese from a different company. When I called the guild mortgage they took so long to remove it. I have to call so many times almost every week. Due to covid -19 i lost hours from work. My payment was {$370.00}. But they sent me XXXX something. I don't have that much money to pay the payment.i ask them i can just pay the payment only which is {$370.00} but they say i have to pay in full i dont have that much money to pay full. they took so long to remove it. When they remove in back in XXXX I pay full payment. 

I have a good credit history with all my other accounts. 


I am asking you to remove it from .I sent this letter this matter is resolved within the required 30-day window. 


Sincerely XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Sold two collectible coins on XXXX  and funds were put into Paypal account. Paypal requested verification of ID, order confirmation, and tracking number. All was provided and my Paypal account was fully verified with banking info and personal info. However, they decided to lock my account and hold the funds for 180 days. I need access to the money immediately as they are rightfully mine.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2018-09-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK (DE)

I am a victim of fraud on the part of XXXX XXXX. I believe they targeted me because of my age. On XX/XX/XXXX at XXXX eastern time I called XXXX XXXX as a CD  had just come due. I relocated to Delaware, and so I can no longer visit a local branch in XXXX. I spoke with a woman in customer service in Illinois. Mail I get from XXXX XXXX has a return address of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. As my holdings are nearing the limit of FDIC insurance, I asked that {$10000.00} be removed from my CD and forwarded by check to my address of record. I asked for the remainder of funds to be renewed as a CD. I am XXXX years old and my son helped me read my account number, and was witness to the transaction. During the week that followed I received a letter dated XX/XX/XXXX thanking me for contacting them and noting that the CD had been renewed for the full amount. My son helped me call at XXXX eastern time on XX/XX/XXXX to notify them of the error and we were told the CD had been renewed and no record of our earlier call existed, and a fine of about {$600.00} would be required to withdraw funds at that time. They noted they had no record of my call on XX/XX/XXXX even though the letter was dated XX/XX/XXXX, thanked me for contacting them, and XX/XX/XXXX ( the date of the letter ), was long before the time limit for altering the account before automatic renewal. I was told that nothing could be done, that the bank would file a complaint on my behalf, but would not necessarily confirm that a complaint had been received. This is fraud - theft through the renewal of an investment instrument contrary to my instructions with a claim that instructions had not been received, when in fact they were acknowledged on the mail I received.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (IL)

XXXX XXXX XXXX XXXX has reported to my credit an outstanding debt of XXXX dollars, this is not a debt i owe nor do i have any contracts with this entity stating i owe or agreed to pay, the entity now has reported negatively to my credit which they have no legal right to do. it was last reported to my credit on XX/XX/2018 and has also had my federal tax refund offset by XXXX dollars.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2020 I received a copy of my Barclays Mastercard statement marketed under the name XXXX mastercard due to its affiliation with XXXX XXXX On XX/XX/2020 I wrote a check payable to XXXX Mastercard for {$2100.00} which they received and cashed on XX/XX/2020. 

My bank account was debited the {$2100.00} on XX/XX/XXXX. 

Barclays bank XXXX mastercard only credited {$21.00} on my statement as the payment made. 

On XX/XX/XXXX I received an email from XXXX Mastercard saying that I had shortpaid my account and my account needed immediate attention. I called them right away and discovered their error. The man I spoke with gave me a case number XXXX. 
He was to forward this information along with the copy of my check to the investigation team who would correct the error right away. 

On XX/XX/XXXX, I called into the customer service department who advised me that they would not be processing any paperwork on my account for at least 2 billing cycles. I explained that this was unacceptable as I have paid the funds from my account which is no longer their and I do not have the credit applied to my statement. Waiting 60-90 days for a response seems highly unethical and against what any reasonable person should expect to endure. I was told that the call would be escalated and I would hear from a manager in a few days. They also gave me a fax number to send my inquiry to as well as a mailing address to which I have expressed by concern and disappointment in how I was being treated as a customer. 

On XX/XX/XXXX, I called in for a status update and spoke to a person who was struggling to communicate in English however managed to express that they once again would not be responding to the investigation to at least 2 more billing cycles. 

I believe that as a consumer this is horrible practice. If we the consumers had not made timely payments we would be punished with derrogatory remarks and poor credit reporting history, however when these banks act badly and against the consumer they seems to get away with it with impunity. I have never missed a payment and I am a good and loyal customer however I am being treated unfairly and unethically as they are hiding behind a massive corporate structure and refuse to correct my account and their error for an unreasonable amount of time if they correct it at all. In essence they have stolen my money and refuse to either provide a credit to my account nor return it. Waiting 60-90 days for an expected response is unreasonable and I formally request that the CFPB investigate and request some answers. 
Thank you
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX ( # XXXX Manager is name XXXX ) phone # XXXX email : XXXX I am writing to formally complain about XXXX XXXX XXXX the third party outsourcing company. I have tried since XX/XX/2017 to cancel my monthly membership service to which I have not been able to log into since XXXX. I have tried for months to speak with a representative to cancel the services and each time a customer service rep blatantly hangs up the phone. I have been charged for months for a service that I can not use and/or log into. And have called to ask on several occasions to have it canceled only to no avail. The customer service representative have the competency of a first grader. They are taking my money each month for a service they have not rendered. I have spoken with an attorney about my legitmate concern to sue with regards to my complaint. In a era with so many security breaches that Experian and XXXX have had recently I am appalled that they continue to use a third part company with a deplorable reputation. 

I do plan to take legal action.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Vendor : AMAZON/CHASE On XX/XX/2020 I purchase a wrist watch by {$64.00} plus handling, shipping tax which amounted to {$78.00}. I returned the watch and on XX/XX/2020, Amazon informed that a REFUND was issued on XX/XX/2020 and watch received by vendor on XX/XX/2020. 
Please note that Amazon informed that a REFUND ( No " Gift Card '' ) was issued and CHASE debited my account for the purchase and credited it for the refund. I was satisfied knowing that my AMAZON/CHASE account was refunded. 
On XX/XX/2020 I received a letter from CHASE informing that a charge back for the same amount {$78.00} was made due that A GIFT CARD WAS ISSUED for said amount and that I used it for other purchases. ( per today XX/XX/2020 phone conversation I was informed that I used said GIFT CARD to make 3 purchases and was given the items I bought which looks they in fact were purchased. 
THE PROBLEM IS : that Amazon used to gives reward points in the purchases customers made and I though that the credit I received in the 3 purchases was for the POINTS and not for a GIFT CARD they said they issued since I ignored and was not informed of such gift cards. ( See attachment that shows a REFUND was made NOT A GIFT CARD. 
SUMMARY : Amazon should NOT ISSUED gift cards for returns but REFUND the value to whatever method of payment was used since gift card OBLIGE customer to continue purchasing. I feel deceived by the policy of AMAZON and I am DISPUTING THE CHARGE OF {$78.00} even if I unknowingly used the gift card they said issued thinking that the credits were for reward points.
Consumer complaint received 2019-12-03
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. (WA)

Re : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) : they are continually reporting my account as delinquent to the credit bureaus as recent as this year, XX/XX/XXXX. I sold the property at XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX, WA XXXX in XX/XX/XXXX and the loan was paid in full as a result of that sale. I no longer own the property, I no longer have a loan outstanding with XXXX. Still they are reporting me to credit reporting bureaus as being LATE in payments. There are no payments to be late or not. 

I tried calling them today and the person I spoke with put me on hold as # 30 in the queue. I've experience horrible customer service with them in the past. Now they continue to harass me by falsely reporting me as delinquent on a ghost account. 

Please make them stop.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted XXXX  ( online ), XXXX, and Experian to advise of the issue. I asked was there a XXXX  alert and they said " yes ''. 
XXXX alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted XXXX ( online ), TransUnion, and XXXX to advise of the issue. I asked was there a fraud alert and they said " yes ''. 
XXXX alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Leading Edge Recovery Solutions, LLC (OH)

Received a call from this number on XX/XX/XXXX. No voicemail left. Received another call today ( XX/XX/XXXX ). " XXXX XXXX '' left voicemail asking me to call him back. Did not mention a debt or identify himself as a debt collector. I have saved this voicemail and will provide it on request. Googled number to find it belongs to Leading Edge Recovery Solutions. I do not owe any debts.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IN)

PayPal closed my account for 180 days without any reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for week but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (GA)

I write again to call for a deeper look into XXXX, and their relationship with Wells Fargo when it comes to banking. I was not given a proper reason and would like to know why on the eve of XX/XX/XXXX, As the Representative and I were discussing the past Bussiness account over one and a half hours or so, I noticed the the rep had to take a call that came into her office. Since there had been such time lapse on the account, and all of the things were new including the contact number, the Wells Fargo Rep moved forward in the process of updating. So several minutes elapsed, I then notice an email from my new XXXX Account hosted by XXXX XXXX which posted at XXXX. The email stated that if I did not update the recovery phone number on the XXXX account, that there could be someone using the account other than myself. The notice came from an unrecognized device and from an unidentified location. So how did this occur? The Rep heard my inquiry with her again, as I had the impetus to ask her kindly again around XXXX if she was the person who went into my XXXX account and added the recovery number. As the rep answers no, alas on my XXXX email tied to my business account with Wells Fargo, I see an email populate at XXXX, indicating that my business account phone Pnumber had been changed. This occured after and only after I asked her if she was aware of the google recovery phone update bc I was so unclear and confused. If my accounts are closed with Wells Fargo, why am I able to see the emails and correspondence coming in to my account, and even see the correspondence coming in from the bank to me at XXXX Still would like to know how XXXX was involved and why there was an update on my phone while on the phone with Wells Fargo. 
ATTACHMENTS
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

l was sent an invitation to apply for a Capital One credit card. l read through the disclosures. The only explicit 'terms ' were the APR 's. Now l 'm being charged monthly for purchases l 've ALREADY paid the interest! They STILL are charging me the same amount to month ro month (! ) on interest already paid- at the time of purchase ; yet they STILL charge me on the same on purchases EVERY MONTH! 
l 've tried, to no avail to rectify this. Even up to corporate offices. They are immovable! They say, 'we understand. But nothing can be done '! l explained l 've already paid THAT interest! And you continue to charge me for the same purchases for which l 've already paid! ' Still, they remain unmovable!! l explained " this was borderline racketeering ; fraudulent, etc ... '' They remain unmovable! 
Please! help me! Else me, nor ANYONE will ever get their balance off, nor paid down! Last month as in the previous, l paid MORE than the minimum. Still they charged me half (! ) of my payment 'on interest for purchases ' ; which l '' ve NOT made ANY purchases!! 
Thanj you, regards, please help me!!
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-12-03
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. (OK)

I RECENTLY DISCOVERED THAT I WAS A VICTIM OF IDENTITY THEFT. SOME OF THE INFORMATION AND ACCOUNTS APPEARING ON MY CREDIT REPORT DID NOT REFLECT ANY TRANSACTIONS MADE BY ME OR ANYONE I KNOW. I REACHED OUT TO THE INDIVIDUAL CREDIT BUREAUS AND TRIED TO RECTIFY THESE PROBLEMS. I WAS INSTRUCTED ON WHAT TO DO. I WAS ASKED TO CONTACT MY LOCAL POLICE DEPARTMENT AND FILE A POLICE REPORT AND ALSO CONTACT THE FTC AND VARIOUS LENDERS. I DID ALL OF THESE AND MORE. I SUBMITTED ALL THE DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS ( XXXX, EQUIFAX, XXXX  ). AFTER 30 DAYS OF INVESTIGATION, XXXX  AND XXXX  REMOVED ALL THE FRAUDULENT ACCOUNTS AND INQUIRIES. ON THE OTHER HAND, EQUIFAX HAS DENIED TO REMOVE AND BLOCK ALL THE FRAUDULENT INFORMATION. 

IT COMPLETELY BAFLES ME HOW EASY IT IS FOR A CREDIT REPORTING AGENCY TO SLAP FRAUDULENT INFORMATION IN YOUR CREDIT REPORT BUT SHOW RESISTANCE TO DELETE IT. I AM A LAW ABIDING CITIZEN AND I CONTRIBUTE POSITIVELY TO SOCIETY. UNFORTUNATELY, I AM UNABLE TO HAVE TOTAL CONTROL OF MY PERSONAL INFORMATION BECAUSE OF IDENTITY THIEVES. THE CREDIT BUREAUS ARE SUPPOSED TO PROTECT ME AND MY INFORMATION. THIS HAS NOT BEEN THE CASE WITH EQUIFAX. I WILL LIKE THE CONSUMER FINANCE PROTECTION BUREAN TO STEP IN AND HAVE THIS ISSUE RESOLVED. THIS IS COMPLETELY UNFAIR AND TOTALY BIASED. ALL 3 CREDIT BUREAUS CONDUCT THE SAME INVESTIGATIONS INTO IDENTITY THEFT. BUT I DON'T UNDERSTAND HOW 1 CREDIT BUREAU IS ABLE TO HAVE A COMPLETELY DIFFERENT OUTCOME FROM THE OTHERS. MY CREDIT REPORT IS SUPPOSED TO BE FAIR AND ACCURATE. UNFORTUNATELY, EQUIFAX HAS NOT MADE THE EFFORT TO MAKE SURE MY CREDIT REPORT IS ACCURATE. PLEASE HAVE THIS FIXED AS IT IS IMPACTING MY LIVELIHOOD. 

I HAVE ATTACHED A COPY OF MY OTHER REPORTS WITH THIS COMPLAINT SO EQUIFAX CAN HAVE A REFERENCE TO ENSURE ACCURACY I HAVE ALSO ATTACHED A COPY OF THE ORIGINAL POLICE REPORT, FTC IDENTITY THEFT REPORT, FTC IDENTITY THEFT AFFIDAVIT, PROOF OF IDENTITY AND PROOF OF RESIDENCE
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.