davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IN)

I opened a paypal account in XXXX of 2020. I opened this account to have my beneficiary funds deposited into it from the state of Arizona. The deposit of {$8800.00} occurred on XX/XX/2020 from the state of Arizona for unemployment benefits and very shortly after that PayPal decided to put a limitation and a hold on my account where I could not access my money or do any kind of transactions at all. Apparently their stipulations and policy is ordering the customer to wait 180 days for any kind of problems to arise to prevent fraud or mistakes or anything of that nature. So I waited the 180 days and on XX/XX/2020 my XXXX XXXX days was up. On XX/XX/XXXX of 2020 I received an email from PayPal and it was encrypted and signed by PayPal telling me that my funds were eligible for withdrawal and that certain account activities were unlocked and able to use so I then went to my Paypal account logged in and tried to transfer the funds to my bank account to come to find out another error message telling me that my account is limited reference code : XXXX. I will provide that screenshot later on and many others. So I called PayPal customer service that day on XX/XX/2020 just to get a run around of the same old spiel and they told me to wait on an email and for their system to update and then try again I went through this process more than 30 times since XX/XX/2020 to present day I have screenshots of call logs I have dates of call logs many many of them I pretty much contact them either daily or every three days and get the same response from different representatives every single time. The customer service representatives are very rude and very inconsiderate and don't provide any information or any evidence or anything that helps me get to a resolution with this problem it seems like they just want to keep my money in their account to gain interest. I have had it with them I've tried to be respectful I've tried to be kind I've tried to be patient and nothing is getting resolved my account says the funds are available but I can't access them and I keep being told that they're back office is working on it but I can't get a back office number I can't get a number for any department they won't give it to me they tell me no. I am prepared to file a lawsuit in small claims court against them if this does not work please help. I don't know what to do anymore I need that money that money is for a pandemic benefit to assist citizens and they are holding it hostage for me.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/2019 my father passed away and I called the company asking for an extension briefly to pay for funeral expenses. I was going to make the minimum payment of {$25.00} the following week as my bill was due on the XXXX of XXXX. I made a double payment the following week but still have a late payment. I've contacted to company multiple times letting them know what happened but still haven't been able to get anywhere.
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH CINVERGENT!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX  SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE CONVERGENT AGAIN
Consumer complaint received 2021-02-20
Product: Credit card or prepaid 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: FIRST NATIONAL BANK OF OMAHA (NE)

Back on XX/XX/XXXX I contacted the Frist Bankcard of Omaha disputes department to dispute a charge by XXXX XXXX XXXX for the amount of {$1600.00}. On XX/XX/XXXX, the charge was posted to my account for XXXX XXXX XXXX to move me from XXXX, XXXX to XXXX, XXXX. I contracted XXXX XXXX XXXX to move me on the days of XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX never showed up or provided any services to me during my move. 

XXXX XXXX XXXX charged me twice for the same amount. Once on XX/XX/XXXX and again on XX/XX/XXXX. Each time the charge was for {$1600.00} for a grand total of {$3200.00}. Both XXXX XXXX XXXX charges of {$1600.00} are not valid transactions because no services were provided per the moving contract. 

Frist Bankcard of Omaha has been unable to reverse both invalid XXXX XXXX XXXX charges. The {$1600.00} put on my accounts balance on XX/XX/XXXX is now due for me to pay on XX/XX/XXXX even though I did not receive any services from XXXX XXXX XXXX. The {$1600.00} put on my accounts balance on XX/XX/XXXX is still in dispute. No notification has been given to when this charge will be resolved. This charge is a double charge and I did not receive any services from XXXX XXXX XXXX.
Consumer complaint received 2021-07-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent disputes letters because there was inaccurate information on my credit report. its been more then 45 days with no response no nothing. I have sent multiple letters in regards to my issues.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Specialized Loan Servicing Holdings LLC (PA)

The Specialized Loan Servicing has been horrible to deal with and they are a collection agent company Now after trouble with them in paying off the mortgage in a short period of time they are now refusing to report to the credit companies that it is paid in full and they are saying they do not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transfer to Specialized Loan Servicing LLC. the reporting of credit much later than paid keeps my credit score lower than it should be and in my opinion is not fair or correct at all and I would think it is illegal to do so. I will send copies proving it is paid and their refusal to report. 
It is said when a collection company doesn't abide to the law and treat their customers with so much disrespect and little concern to what is right or wrong they just do what they want and don't even care at all.. In closing I will send the papers they sent me about the mortgage being paid and when they will tell the credit companies it is paid 3 months later than it is paid in full which is wrong. Bow we still don't have conformation ob the deed and tittle who knows when that will be they said 60 days but their word isn't worthy of honor or truth.
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (UT)

I checked XXXX XXXX, had a new account open with Jefferson Capital Sy Opened XX/XX/2020. The account is for XXXX XXXX, which I do not have. 
I called XXXX, the representative said someone with the last name XXXX is using my social security number. I do Not know anyone by that last name.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2021-02-21
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: JPMORGAN CHASE & CO. (PA)

J.P MORGAN CHASE BANK is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with J.P MORGAN CHASE BANK. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with J.P MORGAN CHASE BANK for review or collection.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (VA)

I XXXX XXXX paid off the mortgage at XXXX XXXX XXXX XXXX in XXXX, MD XXXX on XX/XX/2021. It still shows that I have a balance of $ XXXX
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NJ)

XX/XX/XXXX I paid SYNCB/Amazon charge card. This was paid over the phone to a collection agency. I was threatened that they would be coming to my place of employment. I had settled this debt with them. I was told that I would receive a letter of satisfaction but when I called two weeks later, I was told that they did not do that. I have not received ANY collection calls or letters since XXXX so I assumed that this was settled. When I checked my credit report, It showed that I have been late for 3 years and when I disputed it, they charged it off my report and now my credit score dropped 30 points. The report originally said I had a XXXX balance but after the dispute, it stated that {$630.00} was charged off. I sent them a check today for the XXXX because I need a good credit score to get a job and a car and this really is a big problem for me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account number XXXX
Consumer complaint received 2021-02-19
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: JPMORGAN CHASE & CO. (CO)

2 charges on XXXX for {$110.00}, XXXX XXXX This was an airport lounge service. We wondered what was included, so the staff offered to walk us through and point out the amenities. They claimed they needed a credit card on file for insurance reasons. We walked through, were not impressed at all with the lounge, and decided not to buy a day pass. I signed a document stating that we would not use the lounge and would not be charged. I have been charged by Chase TWICE for it. I have called in, emailed, or sent in documentation weekly since that time, proving that I wouldn't be charged and showing that the signed paper that the merchant showed was not my signature. It has been 3 months now and no credit from Chase.
Consumer complaint received 2021-02-21
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: Experian Information Solutions Inc. (GA)

I am also attaching this with this complaint, for better readability Removal of Unauthorized, Unknown MULITPLES RAN Hard Inquiries from my Credit Report I am exercising my right under The Fair Credit Reporting Act and disputing the hard inquiries from my credit report. 

These inquires are Unauthorized, and Unknown and ran multiples of times. 

I only did 1 ONE application. When I checked my account, I noticed 10 inquires and had multiple run.

These inquires are hurting me, my family and has severely impacted my ability to obtain any credit.

FOLLOWING HARD INQUIRIES MUST IMMEDIATELY BE REMOVED COMPANY INQUIRY DATE REASON 1. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX, MD XXXX XXXX. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, CA XXXX CONTINUED FROM PG 1 4. 
XXXX XXXX XXXX XXXXXXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XXXXXX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-02-20
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 (GA)

On XX/XX/2021 at XXXX XXXX Eastern Standard Time, I confirmed an online payment from XXXX XXXX XXXX XXXX XXXX for my balance due of {$190.00} on my DiscoverCard. Payment was due on XX/XX/XXXX. I had already had automatic bill pay set up through my XXXXXXXX XXXX  account, but my assumption was that because I had paid online and subsequently received a confirmation code ( XXXX, see attached ) prior to the due date, that amount would not be deducted twice. 

Unfortunately that amount was deducted twice, once via online bill pay and once via automatic bill pay. To further exacerbate things, I was charged an overdraft fee of {$35.00} from XXXX XXXX due to having insufficient funds. 

Upon speaking to Discover through their online chat function on XX/XX/XXXX ( see attached ), I was notified that though they would make a note in my account that the amount would be credited back to my XXXX XXXX  account but they could not provide any confirmation code or email that conveyed this would happen, nor would they work with XXXX XXXX  regarding the overdraft fee. It was also confirmed that had I not realized the double charging, XXXX would not have notified me of this mistake. 

On XX/XX/XXXX, I was able to confirm the amount was indeed credited back to my XXXX XXXX account. I am now in the process of trying to get the overdraft fee ( {$35.00} ) that was imposed upon my account to be waived with no support from XXXX. 

Given we are in a global pandemic with millions suffering in this economy, it is outrageous that Discover Card has this " loophole '' in their payment process. I am sure there are guardrails in place to prevent this from happening to them, were the roles reversed.
Consumer complaint received 2021-02-19
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: Experian Information Solutions Inc. (MA)

My issue is the lack of accountability that Experian is holding XXXX for reporting negatively on my credit report. I have been working with Experian for over a year to remove this account from my credit report. I have explained that this account has been fraudulently opened in my name. I have provided police reports to prove this as well. I have explained to Experian that the creditor, XXXX XXXX XXXX refuses to speak to me because they have sold my account to another agency, XXXX XXXX XXXX. XXXX XXXX XXXX has stopped their reporting efforts while XXXX remains on my credit report. XXXX XXXX XXXX stopped their reporting efforts because they have researched and found that XXXX XXXX has confirmed my issue was corrected back in 2017. In my latest dispute, I advised Experian that the issue I had with XXXXXXXX XXXX was remedied back in 2017. Experian reach out to XXXX  XXXX XXXX who simply stated " no changes to be made ''. Experian has not held the agency accountable to show any documentation such as a statement or proof of contract or anything else to confirm their findings. As the credit reporting agency, Experian is responsible for confirming that the creditors information is reported as accurate. Simply indicating that " no changes made '' is not suffice. I want this account deleted immediately.
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I sent in a dispute to the credit bureaus about this debt collection companies reporting inaccurate information on my credit report and asked for verification. The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. The debt Collection Company by reporting this inaccurate information to the credit bureaus. It effected my reputation when trying to get approved for the essential things of life a home and a car. Their actions has ruined my reputation and caused me to be looked as inadequate to other financial institutes.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC (CO)

I never received any notification regarding this alleged collection. The original creditor provided us with a service that was not working and I canceled my service, at the time I canceled they said nothing was owed and service canceled. I recently pulled my credit report and I was unsure of what this was, I then saw the original creditors name next to collection company and I called them, they stated they charged me an early termination fee. This was not discolsed to me at the time I canceled, nor did they give me any option to pay this, and this is unscrupulous on each parties actions.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX XXXX XXXX Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXX XXXX  XXXX - Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXX XXXX XXXXXXXX - Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXXXXXX XXXX XXXX XXXXXXXX - Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXX XXXX XXXX XXXX XXXX Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX XXXX date opened XX/XX/year> for Experian, and no date opened reported for XXXX .
Consumer complaint received 2021-02-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I first started a refinance with PennyMac on XX/XX/2020, hoping the loan would close before year 's end when I could reap the benefits of a lower interest rate and claim points on taxes. 

Delay after delay and error after error have made the process drag on to the point where almost 4 months later, the loan has not closed and I'm worried it never will at a time where interest rates are increasing. 

I have an 800+ credit score, delivered every piece of information and signed document they asked for, usually within hours, but never more than a day, yet they have : 1. Failed to communicate promptly after several emails and phone calls ( sometimes taking over a week to get back to me ).

2. Cancelled a necessary home appraisal ( after I paid for it ), before telling me it was actually required again and they needed to delay closing because of the mistake.

3. Done a hard pull of my credit report twice because it's taken so long, impacting my credit.

4. Made me reschedule closing 3 times and counting after repeated mistakes.

5. Tried to require I bring something like {$18000.00} in cash to close to cover taxes that had already been paid ( though they corrected this after several follow-ups to document that it wasn't needed ). 
6. Kept stringing me along saying the process was almost over, preventing me from using an alternate lender when rates were still low.

Not closing the loan has already made me pay several months of higher mortgage payments and interest and contributed a huge deal of stress during an already hugely stressful time. 

If the loan doesn't close, it will cost me $ XXXX or $ XXXX of thousands in damages over the life of the loan they promised to provide, and I'm hugely worried at this point.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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.