davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/18 Paypal deducted {$43.00} out of my checking account three times for a purchase I made that was {$43.00}. I filed a complaint with them and accidently I put the wrong purchase amount of XXXX. They denied the claim and said I could appeal and I should show proof. I sent the appeal and explained that the amount I told them was incorrect and it was not the XXXX that I had originally claimed of {$43.00} but the correct amount was XXXX. In the first complaint they also did not acknowledge that I was billed 3 times but on their end they described it as being charged 2 times. In my appeal I explained I was triple charged and the new amount. I explained to them that they owe me {$87.00} and attached a print screen of the transactions for being charged {$43.00} three times. They did not even read the appeal and continued their review and the {$43.00} amount and only as a double charge and then denied again. When they denied again they had the nerve to tell me on XX/XX/XXXX they would be taking yet another {$43.00} out of my account! Why would they be taking that money? They denied the complaint. Thy never gave it back to me. They claim they did something called a " Provincial '' Credit. Most be some ghost credit as it never went into my account! I am tired of dealing with a company that could easily see what it going on and pretending like they don't just to earn interest on my money. They need to be stopped! I am one PayPal user out of millions and they have got to be making an astronomical amount of money playing this, " We don't understand '' game with our money. I have tried calling them and I get a rude and pretending to be confused associate. Feels like it is all part of keeping my money as long as possible. Now they are going to take more money from me. This is outrageous and as soon as we have this resolved I am going to close this account. Please help. I am attaching a extraction from my checking account showing the debits in question.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I was given this card as a gift a while back, maybe a year or two ago probably in XX/XX/2017, from a friend. It was a $XXXX gift card. I tried to use it a few times and tried to activate it online a couple times without success. I was given a number to call but didn't have time to deal with it and the expiration printed on the card read XX/XX/XXXX, so I figured I had time.I called today and was informed that this card (number ending in XXXX) must be activated within 90 days of purchase or its value completely expires. Nowhere is this printed on the card and the expiry date on the card says "Good thru XX/XX/XXXX."The company, netSpend, refused to offer any monetary value. The woman on the phone would not hang up on me but put me on hold forever after telling me my card is worthless and has no value and anyone else at the company would say the same.I don't remember if there was even any packaging with the card, as it was inserted into a greeting card, a reasonable way for someone to pass on a prepaid card such as this.I feel that this company engaged in deceptive business practices. I would like the $XXXX value that my friend paid onto this card returned to me.
Consumer complaint received 2018-12-12
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. (IL)

Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XX/XX/2017 {$410.00} not mine XXXX XX/XX/2017 {$41.00} not mine
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX 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 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

As of XX/XX/2018 my mortgage was sold from XXXX XXXX to Rushmore LC company. I was out of state made my payment by logging in to system ( XXXX ) and paid XXXX on XX/XX/18. I started to get collection calls from XXXX telling me its a attempt to collect a debit. This Is when I realized My mortgage had been sold. I was told not a problem it will sort itself out all payments will be wired over with my loan information. I returned to GeorgiaXX/XX/XXXX tried to set up and log into Rushmore new lender to make my XX/XX/XXXX payment. System reflected I still owed for XX/XX/XXXX. So I called in was told just make my XX/XX/XXXX payment I did not feel comfortable with that so I went to my XXXX XXXX and mailed money orders writing in the XX/XX/XXXX month in memo. So it was clear what month I was paying for. I continued to do this to date XX/XX/2018 calling in, sending in e mails to be told over and over by Rushmore people or it will fixed it self our research team is on it / I have just escalated your account. Blah blah blah ... .. It is XX/XX/XXXX and I go to log in to pay for XX/XX/2018 payment to see it has still not been fixed. I have sent in my XXXX XXXX statements as proof from my bank in the mean time I have been getting harassing collection calls. I believe it is reporting late payments on my credit reports. I need help on getting this situation fixed. I do not know who to reach out to for help they say they see the payment and yet no one has fixed my account. I also had a homeowners insurance overpayment from XXXX during this time that could have been refunded to me but instead I asked XXXX to go ahead and send it back to my Mortgage lender as a escrow credit. Which I don't believe has been applied properly either in the amount of {$220.00}.
Consumer complaint received 2019-01-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (NC)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX To Whom It May Concern : My name is XXXX XXXX XXXX ; and I am submitting a complaint against Ditech Financial LLC, that holds the mortgage on my manufactured home. I began the purchase of my home in XX/XX/XXXX and made the first payment of {$170.00} in XXXX of the same year. Now, twenty years later, after having paid 237 of 240 payments, my loan is at maturation. One of those last three payments was deferred a few months ago. The other two, I have refused to pay, until I receive the fully itemized account of my payment history, including the amount of the loan ( {$17000.00} ), the fixed rate of interest of 9.5 % ( no idea as to how it has been compounded ) ) ; the amount that has been applied to the interest, and the amount that has been applied to the principal. I made three oral requests in XXXX, and then one by email ( sent XX/XX/XXXX ), as I was finally instructed. On that same day, I was sent a reply from Ditech that my request had been received, and a representative would be in contact with me. 

A representative did indeed call and simply started asking me questions for which the answers were in my written request. I told the representative that I wasn't answering any questions ; that everything was in the email. I then told the person to simply send me the information I had requested ; and then we would talk. This is XX/XX/XXXX, and I have yet to have that requested information sent to me. However, representatives from Ditech continue to call every day, sometimes twice a day. 

Since the date of my first payment, I have paid 237 payments at {$170.00} a payment, for a total of {$40000.00}. That is on a {$17000.00} loan. I would think that my debt would be satisfied ; but Ditech still has me owing {$3400.00}. ( Three home owner 's insurance premiums ( that's another story ) of {$84.00} each, are included in this amount. ) In conclusion, I am of the opinion that my debt has been more than satisfied. I can not know for a certainty, one way or the other, though, without the information I have repeatedly requested. Therefore, I submit this complaint to you in hopes that you will help me resolve this matter.
Consumer complaint received 2019-01-03
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. (DC)

XXXX XXXX XXXX ( XXXX  ) shows me my FICO Score, which is XXXX and gives me a list of " Key factors affecting your FICO Score. '' One of the factors listed is " Too many accounts with balances, '' but I only have one credit card  account. I was told on the XXXX site that " if [ I ] find inaccurate information that may have affected [ my ] score, [ I ] can dispute [ my ] TransUnion credit report at www.transunion.com or call TransUnion at XXXX. '' I called TransUnion and they verified I only have one XXXX  credit card account, and therefore the FICO factor affecting my score must be erroneous. But they wouldn't tell me how to fix the problem and the customer servicer representative wouldn't allow me to speak to a manager. They said they would include a consumer complaint note in my file and that maybe someone could fix it, but that they weren't authorized to change my score, which didn't make sense. They also told me the problem was with XXXX, but XXXX says the problem is with TransUnion. I also tried to find a way to contact FICO but couldn't find a way. 

How am I supposed to fix the problem? I don't want my credit score to be lower than it should be, and I don't know how to point out errors or to whom I am supposed to point out those errors, and I don't know who is responsible for fixing the problem.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The accounts that they must remove is listed below : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (SC)

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 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 2018-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Fraud Claim filed with Bank of America on XX/XX/18 for debit card use from complete account takeover. My phone number was taken on XX/XX/18 and ported from XXXX XXXX XXXX to XXXX, then then used a debit card that they had taken from my mail after I had one reissued after attempts were made against it the previous week on XX/XX/18. My XXXX account was taken as well. I have been denied my claim by Bank of America twice because they keep saying that I approved the transactions when I have tried to explain that they were approving them because they had my number, they were also calling into the bank with my number and increasing the amounts/limits that could be used on my debit card. I have been a longstanding Bank of America customer and have never had a claim or a problem of any kind before this.
Consumer complaint received 2023-11-09
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. (FL)

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 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 2018-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

I have previously filed against Wells Fargo over this same thing. They have again claimed that I gave my ex permission to charge things to my account after not only removing him, but calling the police on him for stealing from me. I want a detailed explanation of how they are arriving at this ( or honestly if they are just making this up because I did not give him permission at all ). Furthermore, they admit to issuing multiple cards for the account. One I knew about ( I have or had it, and that's fine ). Another was given to him without me knowing about it, and that's the issue here. It either shouldn't have been given to him or deactivated the moment I called in and told them to revoke everything ( yes, including any loose cards they gave him, but they failed to ). They had already failed to stop him from withdrawing money from my account and changing contact information to prevent me from discovering his fraud / filing against his fraud until relatively late. They are even preventing me from getting statements from 2 accounts that he opened in my name even though that's against Social Security 's rules ( federal rules ). However, the statements are less of a problem than them ignoring that he did not have permission to mess with my accounts at the time in question and there's multiple court orders here about how they aren't supposed to be charging me for his debts. So let 's start with a real, detailed explanation from them of how they arriving at this conclusion so that I can figure out what they are misunderstanding or if they are just lying because they feel that they can more easily squeeze money out of me than out of the actual person who is responsible. If that doesn't clear it up, then it will be about 2 months ( I believe ) before I can serve. Thanks.
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XXXX XXXX repossessed my XXXX  XXXX without warning or any attempts to resolve payment problems. The individual that took the car did so in the middle of the night, dening me any opportunity to remove personal belongings before taking the car.When I called to request my property be returned the owner said i had to pay him a fee to have my belongings brought to me and that I was not allowed on the lot to get my property.
Consumer complaint received 2019-01-01
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. (MD)

I am furious with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to XXXX XXXX when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!
Consumer complaint received 2019-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (AZ)

I recently reviewed my credit report and I keep coming across a collection from Erc for {$670.00}. I have no idea what this is for. I never received a notice of debt. I have tried disputing this several times with the credit bureau. They say It meets requirements and have not removed it. I sent a complaint to XXXX. I received a reply from ERC dated XX/XX/2018 which I will enclose. They advised it was sent back to them as not a correct address however they will obtain a validation and sent it to me. To date I have ZERO documents validating this debt! I have NO idea what it is for and it is affecting my credit. Either send me a validation of this debt or have them remove it asap. I'm at the end if my rope as I'm running out if options. If it is my debt then I owe it but I need proof as I do not recall ever having an account with XXXX. I refuse to pay for something that is not my debt. Please help any way you can. 

Thank you
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with Experian And XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : OFFICE OF THE ATTY XXXX XXXX Balance : {$7500.00} ; ATTYGENERL XXXX Balance : {$7300.00}.
Consumer complaint received 2019-01-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (OR)

So i purchased a few things from XXXX useing gift card and debit card. I decided to get something else somewhere else so I return the items and when I return the items they put the full amount on my debit card. Which in XXXX policy is says when you use a gift card in combination with credit or debit card that it will all be refunded to your debit card. So NetSpend put a temporary hold on my card and requested for the receipts for proof that I purchase those items I have sent it to them and they still have not unlock my account. I called them and they hang up on me or put me on hold for several hours where I end up just hanging up they also claimed to only have received one of the receipts which I sent them a picture of both of the receipts so there's no possible way that they could have only received one it's just ridiculous and I'm not getting anywhere with them it's been several days