davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

PayPal advertisement claims that it sends money to XXXX, so on XX/XX/2019, I sent {$50000.00} to a person in great need due to an emergency. 
The person was unable to retrieve the money, his bank XXXX did not work with PayPal. 
I called Paypal several occasions asking how this money could be received. When able to receive a call back the worker could not understand or give me an answer. 
Now 11 days later the money is returned to me and Paypal is charging me a fee of US {$22.00}, so charging me for their mistake. I have not accepted this incomplete money. I want to proceed with a claim. Paypal needs to stop its misleading advertisement, and pay for the pain and suffering that this event cause to myself and the family in XXXX. 
Cordially, XXXX
Consumer complaint received 2020-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OK)

I refinanced my installment loan with ACE/populus on XX/XX/XXXX total due $ XXXXwith nobpayment due until XX/XX/XXXX. 
On the week of XXXX, I went back to the store location and asked the clerk if I were to make a early installment payment would my loan increase to {$700.00} or the max that I could borrow. 
The clerk XXXX plainly explained that my payments were due on the XXXX and I would not be late pay until after XX/XX/XXXX since the XXXX would be 9 days past my first payment due date that I can be 10 days late on. 
This complaint is about XXXX, Ace opolus employee, she called and left me the most basic collections message on XXXX. My loan was not due until XX/XX/XXXX. She had no reason to call me ahead of time, I was told by her in person that I can't refinance on XXXX when I arrived at the store to pay early but was told I had until the XXXX of XXXX which would be the 10 the day. 
My complaint is illegal collection practices and/or phone games if she is allowing others to refinance using my name since I am a victim of identity theft. Unsure why she called me, my loan payment was up to date.
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/202XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (VA)

Called middle of XXXX about a {$4.00} charge that showed up on our credit report. After an hour, no one at Ally could tell us what it was for or how we could pay it. 

Two weeks later, received a call that our lease was up on XXXX XXXX. We received no letter, no one said anything when we called earlier. We called to tell them we wanted to purchase the car. Two hours later, after they sent us to their loan department, we finally got off the phone. They said theyd call back the next day. 

No one called. Concerned I called them. They said everything was fine and for us to wait to hear back on the loan. 

Finally yesterday after no hearing back from anyone, I called them. Two hours later, still no one could help me. Said theyd call me back. No one did. 

We get a call this morning saying they want to know the location of the car to repossess it. Called the number left six messages, no one called back. Called another number, was on the phone for two hours. Finally they suggested we go immediately to a dealership to get a loan. 

Went to dealership. It took them over an hour on the phone to get someone to give the buyout amount. This amount was different from any of the three different amounts we were given. 

Because of the huge hassle, we decided to take the money out of stocks and pay them. Called back to get the address. The entire department was in a meeting. Called another number, after 30 minutes, no address. Called another number, finally got someone in the escalating department. She gave me the address. 

It was six hours today of nonstop calling, being put on hold, going to dealership, hold again, etc. 

It was a terrible experience. I got the name of two managers who were suppose to call me back but never did. By the end of it, I thought my husband or myself were going to have a XXXX XXXX.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am distressed and disappointed by the situation in my credit report. It is not only highly embarrassing but evident that either you or the company is at fault for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. ''
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (AE)

I have a transaction that I have disputed with XXXX Goldman Sachss and the dispute keeps going into the merchants favor I never paid {$200.00} at a kebab shop
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

Chase has improperly withdrawn money from my XXXX checking account for payment to a Chase credit card that I share with my mom but have n't used in over 3 years. 
We both have an online Chase account. She made a payment to the joint credit card from her online account. She nor I have ever verified my XXXX checking account on her online Chase account. I have verified it to XX/XX/XXXX payments to my other Chase credit cards. I believe they have a bug in their system that is authorizing her to withdrawn money from my XXXX account by allowing her access since I have already verified it on my online Chase account. 
Chase will not fix the issue. 
My mom is not computer savvy. She would not be able to confirm the two small deposits into my XXXX account to verified it online. She does not have access to any of my XXXX checks. She has her own money and has never called Chase to access the XXXX account. Chase will not further research this issue. I believe this must be an ongoing issue where Chase is withdrawing unauthorized funds from external bank accounts.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

I open Coinbase in XXXX deposited money to XXXX XXXX XXXX XXXX since XXXX I only deposited it to those accounts beginning in XXXX around the XXXX XXXX there was suspicious activity on my account I was blocked from my emails they changed my passwords and added their banking accounts plus a bank card was added to Coinbase my investments that accrued from XXXX or the beginning of to the beginning of XXXX were stolen and that was serious amount of activity out of my account. I only withdrew {$30.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX to get what I could out of my account before that was stolen. Also, the scammers tried to move money from my bank account to Coinbase and then tried to pull the money from Coinbase but my bank blocked it. I sent emails to Coinbase called them numerous times, but of course Im communicating with a robot when I did get a human they gave me a case number XXXX and they were going to look into it and investigate it but the money kept getting withdrawn from my account. I would say that more than XXXX has been moved from my Coin Base even though I continually contacted them they they couldve stopped this in XXXX but they didnt
Consumer complaint received 2019-04-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (TX)

I have a accident on XXXX XX/XX/2019, and its small accident and we both parked the cars and called the police and filed the case ( report XXXX XXXX in XXXX, Arkansas. 
Since i dont have the insurance for at that time. i have pay myself, The insurance company of the other guy is XXXX. 
After 3months on XX/XX/2019 i got a call from Afni collections and they say that i have to pay XXXX XXXX 
When i called the XXXX about it they said the its XXXX $ .When i asked it about the claim they said that they have selled it to the Afni collections and i have to speak with them. thay cant to anything about it.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

Today, XX/XX/2020, I received an alert about a new inquiry on my credit report. The inquiry was reported the day before on XX/XX/2020. When I checked it was from a Lowes in XXXX, Florida ( SYNCB/LOWES PLCC ). I live in XXXX and have never had a Lowe 's credit card nor have I ever tried to get one. I called Lowes Customer Service and they were unable to locate the application or any information using my name and zip code. I tried calling XXXX but they are closed so i will try again in the morning. I also put a freeze on my credit just in case.
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (VA)

In XX/XX/XXXX I spoke to and received an email from XXXX XXXX the manager from XXXX XXXX. The company had already garnished my wages for XXXX XXXX XXXX for a total of {$2400.00}. In her email she asked if I would agree for the remaining balance of {$2200.00} with no interest, to be paid every month at the rate of {$150.00} per month and that another account in their office for XXXX would be written off with this agreement. I agreed to the terms and requested in writing how to make payments and the terms sent to me. Every month I asked for this information up until XX/XX/XXXX. I never received a letter. In XXXX I received a notice from the court for a hearing XX/XX/XXXX for the XXXX XXXX. Unfortunately I had XXXX and could not go. My checks had already been garnished. Then XX/XX/XXXX a notice from XXXX was sent out stating I have a court date XX/XX/XXXX. After trying to communicate with XXXX XXXX at XXXX, I called the court clerk who then explained the company postponed the XX/XX/XXXX hearing until XX/XX/XXXX and Im being Re garnished for the XXXX XXXX XXXX which I received no notification about. I entered into an agreement with this company that they never intended to honor and instead breach. The XXXX account was to be written off ordering to the XXXX and with the attorney agreeing. This company is a scam.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (CT)

They call daily, multiple times a day. Despite the fact that I have been making regular monthly payments. They want me to pay the balance due, which I do not have the means to do. I have not disputed the debt, nor have I tried to not to pay. I am paying monthly. The representatives are rude and unpleasant for no reason.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I am an user of Uber credit card issued by Barclays. On XXXX, there is an unauthorized purchase appeared on my transation activity. The merchant name is XXXX XXXX # XXXX and the amount is {$170.00}. After some initial investigation, the merchant locates at XXXX XXXX XXXX XXXX, XXXX, NC. The card is still in my possession, but I am in XXXX, California all the time and did not travel to North Carolina. So as my card, I keep it with me all the time in California and did not give anyone else. At this point, I suspect this unauthorized transaction comes from the credit card fraud. So I filed the Fraud Claim Form online and called the customer services. The bank promised to further investigate the transation will get back to me in one or two billing cycles and credited my account with the amount ( {$170.00} ). At the same time, the bank issued a new card for me. However, when I received the new card and activated it, they just bill the same amount XXXX {$170.00} XXXX to me again. On the next day, the bank issued me a letter saying that the investigation is done and transation is valid. However, this is an obvious fraud and related to their security for Uber credit card, but they had little words about what investigation has been done, why they think the transation is valid.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I asked to close all my accounts. They would not let me pay my account online. So I had to pay in person and I paid them the amount they asked and they said they will close the account. 

Now I am getting a bill that says I still owe them XXXX XXXX. I asked them to close my account and pay off the amount so that I wouldnt have any random stray bills on accident going to that card and they would start declining them. Instead, I believe they purposely gave me the wrong amount so that I would have XXXX XXXX  still there so that hopefully they can scam me out of more money and I believe theyre committing fraud in this way. Please help me be able to close my account with Bank of America. If I have to go in again and pay them more money I will, but I would love your assistance and ensuring someone doesnt keep my account open when I ask them to close it. 
Also, I believe that if I dont pay this XXXX XXXX  which I now have to go in person again to pay, they will charge me a late fee, which is again a fraudulent practice when I have a paper trail showing that I came in to pay off my bill and asked them to close it and they said they would. Additionally Id like to understand the laws around why I cant pay this bill online.
Consumer complaint received 2019-04-12
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. (MD)

In XX/XX/XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/2018 and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted XXXX multiple times in XXXX and XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AL)

I was notified by letter I received on XX/XX/XXXX that was dated XX/XX/XXXX that my AT & T Universal account that I have had since XX/XX/XXXX had been closed because it was inactive for more than 2 years. In fact the account was last used XX/XX/XXXX so it has not even been 2 years. 
I called that evening and asked it to be re-opened, and they said all I had to do was request it. I did that. 
Then I received two letters on XX/XX/XXXX. One was dated XX/XX/XXXX that the account could not be reopened as it was a joint account and then the second one dated XX/XX/XXXX that Citibank needed to access my credit information at XXXX which was blocked and that I needed to unblock it and call Citibank back when I did that. 
I contacted XXXX and unblocked my account and called Citbank back, but was told that it could not be re-opened anyway. I would have to reapply for a new card. I did some research and double checked the last time the card was used. Indeed it has been less than 2 years. 

I called again this evening and spoke with a representative who reiterated that the policy was a 25 month period of inactivity was grounds to close the account. I pointed out again it had been less than that, and he checked and verified that the last use was XX/XX/XXXX. Despite that he said now that the account was already closed, there was nothing he could do but I could reapply for a new card. I asked for a supervisor and XXXX ID XXXX also confirmed that 25 months of inactivity was the policy, but she couldn't do anything either because the account was already closed, and I would have to reapply for a current account because this was a " grandfathered '' account they don't offer any more. It was the introductory offer when AT & T first offered the card. 

It is clear that Citibank violated their own policy, and the account closing was unjustified. Citibank seems to want to get rid of the old agreements in favor of new ones and will go to unfair lengths to do just that. It should be their responsibility to reinstate the account exactly as it was because it had not been a long enough period of inactivity. Additionally the notification of the closing was deficient as well because even a simple notice would have precluded all of this which is apparently their goal. The application of this inactivity criteria is unfair and deceptive, and was intentionally applied incorrectly to end a credit agreement. The reinstatement process is a sham as well requiring ineffective calls with long periods of silent holds to wear out the consumer. The call ends in asking me to reapply from the beginning for one of the newer products which seems to be their goal all along.
Consumer complaint received 2020-11-25
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: WELLS FARGO & COMPANY (WA)

WELLS FARGO DEALER SVC - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed Wells fargo is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I have a walmart master card with a balance of XXXX. I call the company today customer service to see if they would lower my APR rate Im paying 25.15 %. 

I havent used this card in over a year and been playing {$200.00}. a month never late or missed a payment,, They told me theres nothing they can do for me since i open this card with this APR which is a lie cause my statement from back in 2018 was 24.15 % I honestly dont know what my APR was when i open this card cause i used to have just walmart but they close that and update the card to walmart mastercard. 

I dont get paper just online so i dont look i just pay All they would offer me was if i spend between $ XXXX {$290.00} then i could get 12 months free interest. I said Im trying to pay this off not ADD. I think this is XXXX   XXXX. 
I a good loyal customer. 

paying {$200.00} a month not even making a dent and the payment they keep asking is never the same One month it can be lower and next higher which doesnt make sense either