davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (UT)

On XX/XX/2018 my friend XXXX was getting ready to move from XXXX to XXXX where Im at. I was sending him money for Gas and food for a hotel for a night. I told him i could send him {$400.00}. XXXX XXXX has outrageously huge fees so did XXXX XXXX and a friend mentioned XXXX. So I signed up. Had a to send in my phone bill to them to verify the number was mine because the number was on an account already. It was released I was able to sign up for account I added my debit card I added my bank accounts. Ive verified my identity I verified the accounts, So I sent XXXX the {$400.00}. He was having a hard time being able to accept the payment. But it was sent to him he was having technical issues With being able to accept a payment. I got on a chat with a XXXX specialist or customer service person And they confirm the payment was sent. Finally hes able to sign up for account and he goes except payment and it says that I canceled itAnd I didnt cancel it so I got back on chat again and was told the payment was canceled and the money will be returned to me. They stated that they wouldnt disclose what reason it was cancelled or why they lied and said i cancelled it. And all of this was within 20 minutes of me making the payment. So I made the payment through other ways. XXXX still pulled the money out of my account even though they they cancelled it. The payment cleared the bank and came out so because I had given money elsewhere to XXXX for the payment I was overdrawn in my account now {$170.00}. I got on chat with them again and was very upset I sent them a screenshot of my bank statement to show them the transactions and they credited my account for the overdraft fee of {$35.00}. After they gave me the credit that they turned around and froze my account so Im not able to withdrawl the money. Even though the money is then reimbursing me for a fee they cost me they said that I am now permanently deactivated that I violated a user agreement rule. I used XXXX for what XXXX is forAnd thats to send money to friends and family. I used my own bank account and everything is verified, sent them a copy of my ID thats valid and current. That payment they werent supposed to take since they cancelled it but did anyways cleared. Now they say the funds are on hold for 180 days because their loss prevention and fraud places were flagged. Ive yet to get the money back i cant think of a single thing i did to violate a term of condition or how fraud at all is even involved. It sounds like a scam and its discrimination and they stole from me and now said they can not offer any further assistance. Ive yet to recieve the {$400.00} they said they were sorry for and supposedly sent back. They admitted to pulling the money by mistake i have the chat logs so there should no reason why my account was frozen or now permanently deactivated or why lose prevention would be holding any funds. XXXX XXXX an account specialist is the one who is behind it.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-08-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

I received a call from Sunrise requesting me to verify my personal information over the phone. I refused because it sounded like a scam and I know I have never applied for XXXX XXXX XXXX XXXX. I have excellent credit and payment history and have been a XXXX XXXX customer for over 17 years. 

The rep was rude and kept trying to get me to give my personal information. I informed her that if she had the right personal then send all information to the address they have in file. 

I never received any information. I disputed the debt with all collection agencies XXXX deleted the collection, XXXX did not, and I have not heard back from XXXX. 

Someone has clearly used my information somewhere to obtain this account however I do not know how to get proof of this. I am sure they can pull the phone records on the initial account or compare addresses or signature on the original documentation. 

I have never seen or been sent any information about this account. I want this information removed from my credit profile.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

I called Chase United Business credit card to ask if global entry {$100.00} Credit is a card benefit. They informed me yes and I went ahead and use the card for XXXX XXXX in XX/XX/year>. 

In XXXX I did not see credit so I called and the agent opened a case and confirmed me that XXXX XXXX XXXX is a benefit and it will be credited. 

In XX/XX/XXXX. XXXX  I got a letter saying " Your card does include the benefit of a statement credit '' but when I call, the agent tells there is no benefit. 

This is misleading and should be investigated
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NH)

The problem began for the tax collector in the middle of XXXX when my name and tax amount was not included on the printout of payments from Mr. Cooper. This was just about the time that the files were being transferred to the XXXX XXXX. It went around and around and on XX/XX/XXXX when there was still no payment, he called me to get involved. I called the company. The funds had been withdrawn on XX/XX/XXXX and after that - no one had a clue. I spoke with XXXX XXXX who provided me with a direct phone number and had promised to expedite the issue and would get back to me on XX/XX/XXXX. That did not happen. On XX/XX/XXXX I telephoned your office, left a message for your administrator assistant and NEVER got a call back. Spoke with XXXX who again promised to expedite the issue since that had NOT been done by XXXX. XXXX assured me that she would do it, but it would take 3 business days and though I called first thing on the XXXX, that day did not count. I again called the corporate office and spoke with XXXX who promised to get back to me by XXXX XXXX ET on the XXXX as he was presenting the issue to his VP, XXXX. At XXXX XXXX ET I called XXXX who had forgotten and then called his VP while I was on hold. He told me that it had been reissued on the XXXX and he would give me a tracking # when he had it. He also told me that my taxes were not due until XXXX which is not true. An email from him this morning told me that the check, in fact, had not been reissued, but would be today and overnighted. As of XXXX XXXX ET, I  have heard nothing. With each conversation, the facts as they appeared to Mr. Cooper continually changed. I have been lied to, snickered at, patronized, misled, and have had an experience so horrific.
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I am writing to file a formal complaint against SPS, my mortgage company, regarding the handling of my mortgage account. My account number is XXXX. 

I have been diligently trying to keep my home, but I find myself in a difficult situation where I owe more on the property than it is currently worth. In an effort to find a solution, I have been attempting to negotiate with SPS, but it seems that all I have been offered is an exorbitant repayment plan that I simply can not afford. 

In XXXX, I submitted a complaint to the CFPB, which resulted in SPS postponing a scheduled foreclosure sale date. Since then, I have been trying to review the numbers for a potential repayment plan with SPS. However, during a recent conversation with an SPS employee, I was informed that when I previously attempted to process a short payoff, the offer I made was deemed too low, I was not informed of in the past. The representative I spoke with stated that they could take a new offer over the phone, and I submitted a higher offer. Additionally, there the pending repayment offer was withdrawn. I chose not to accept it at the time because I wanted to see if my new offer would be accepted. 

Unfortunately, I now find myself in a precarious situation once again, as a new sale date has been set for XX/XX/year>. To make matters worse, I have discovered that there is no record of my recent correspondence with SPS on their website, which I believe is highly unfair. I have been making every effort to explore alternative solutions, but it has been challenging to obtain the necessary information. The withholding of this information, I am sure has led to the perception that I am stalling, which is not the case. 

I initially thought that the lack of information on the website was due to a delay, but it now appears that this may have been done intentionally. I believe this is unjust, and although I recognize the seriousness of my situation, I am committed to resolving this matter if given the opportunity. 

I kindly request that the CFPB review my case and intervene where possible to ensure that I am given a fair chance to resolve this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

This is the second complaint I am making about the company. The first complaint I asked for them to unfreeze my online account and they didn't do it. They told me to log in and get a temporary pin but I cant log in cause I'm locked out. I also asked for them to unfreeze my credit which they did but only temporary. I want my credit permanently unfrozen.
Consumer complaint received 2024-08-05
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)

Please see ATTACHED! I have sent them letters to correct these violations on my credit report and after 30 days nothing still has been changed therefore causing further damages and i am not able to get approved for credit and constantly being denied which has lead to financial hardships for me and my family. Letters have been sent XX/XX/scrub>XX/XX/XXXXXX/XX/year>
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2024 the attached was submitted. I supplied information that the ACH payroll did not go into the authorized account, Chase Bank reinstated the denied claim # XXXX and refused to give provisional credit according to Regulation E, also known as Reg E, which is part of the Electronic Fund Transfer Act ( EFTA ). 

My original emessage to Chase Bank was the following : " Hello I am suppose to be getting a message or call in regards to missing ACH payroll to the account ending in XXXX. I have attached a ledger and notice from XXXX XXXX the recipient that shows the funds did not arrive in the assigned account and that the account was closed. I also attached pictures showing that the ACH payment was still being processed after closing the XXXX XXXX account on XX/XX/2024. I was informed that any ACH directed to a closed account would automatically be returned by Chase representative, However, the XXXX ACH payment did not and I asked for a provisional credit while this is resolved as it is creating a hardship. '' I also attached the documents being attached to this complaint It was later found out that the funds went into another unauthorized account, I immediately supplied Chase Bank with this information. As the account was unauthorized. I asked Chase Bank to send over what authorization it had to send the funds to that account. Chase has yet to date sent that information. 

XXXX Operating Rules : govern ACH transactions and require that payments be credited to the account specified in the ACH entry. Redirecting funds without proper authorization would violate these rules.

Chase Bank did not have authorization to send the ACH into a separate bank account and since the account that was authorized to accept this ACH was closed the funds should have been properly returned. The claim should not have been denied and a provisional credit should have been released within the 10days which would have been the XXXX regards of the reinstatement and the extra 3-5 business days to reinvestigate the claim.
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (IL)

Letter received about a loan I had that did not close, and call this number. I never had an application then and despite repeated calls to the number provided, and other numbers I find to call, no one can help me ( or speak XXXX ). They transfer me on to specialists who then never answer or hang up XXXX
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (PA)

On XX/XX/year>, I discovered that an unauthorized transaction of {$8000.00} was processed on my account ( Account XXXX : XXXX ). This transaction occurred while my virtual credit card was locked, which should have prevented any such activity from being processed. I did not authorize or approve this transaction. 

Upon discovering the unauthorized transaction, I immediately contacted my bank, Current Bank, and spoke with a customer service representative named XXXX. During this conversation, I initiated a dispute for the transaction under dispute number XXXX. As of XXXX XXXX  on XX/XX/year>, my account reflects that this transaction is under dispute. 

Despite my clear request to restore my account balance to the state it was in before this unauthorized transaction, XXXX was unable to provide a satisfactory explanation for why my account balance had not been corrected. 

I believe that the banks actions may be in violation of Regulation Z under the Truth in Lending Act ( XXXX XXXX XXXX ), which prohibits a creditor from taking action to collect on any disputed portion of a transaction or from deducting disputed amounts and related charges from a consumers credit limit while the dispute is under investigation. 

Adding to my concern, on XX/XX/year>, a deposit of {$2400.00} was made into my account. However, instead of being credited to my account balance, this deposit was applied against the disputed transaction amount, which is still under investigation. This action is in direct conflict with the protections provided under Regulation Z.
Consumer complaint received 2024-07-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I recieved a credit report from XXXX on XX/XX/XXXX by mail. XXXX deleted XXXX. XXXX did not delete XXXX from my credit report. Portfolio recovery company sent XXXX a request to remove or delete XXXX and XXXX from my credit report on XX/XX/XXXX. I'm waiting for XXXX to delete or remove XXXX from my credit report. XXXX was paid in full before Chargeoff, before sent to Portfolio recovery company.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CO)

I have 2 credit cards with Citibank. My usage percentages were around 30-40 % at the time. The company dropped my limits causing my usage to raise to 90+ % this is fraud as it is now sending false information to the credit agencies saying my usage is in the 90+ % when it was not until they dropped my score without informing me that they were rerunning my credit. I want to file a class action lawsuit against this company.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

My friend sent me an amount of {$1100.00} on XX/XX/XXXX  in Paypal. It was a Paypal to Paypal transaction. It was my friend 's first time to transfer funds to another Paypal account. She mistakenly sent it under " Sale of Goods '' instead of selecting " Family and Friends '' which I believe made the fund to be put on hold. 

I already requested to release the money because we will use it to pay important bills and hospital bills but they didn't provide us any further help about our issue. We understand that there's a policy but we did not do any illegal activity. We got our money working from out remote clients as a virtual assistant. We just wanted the money to be released right away and do better next time in terms of sending funds. 

We want to complain about it because it's not fair to hold our money for 21-180 days just because my friend just didn't know how to navigate the online app.
Consumer complaint received 2024-07-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I was given XXXX visa gift cards from prepaid XXXX XXXX about a year and half ago in XXXX. I first tried to use it at XXXX and as the instructions state : 'the initial pin is the last XXXX digits of the card '. I tried those and any other number combination I could figure and it would not work, Despite saying in underline, that it's active for Instore purchase directly on the card. Since then I've tried numerous times to use the card and register it on their website. I'm tired of having it in wallet, so today, XX/XX/XXXX, I went to the website and it says there is an error and to call the number on the card. I'm Pretty sure I've already done this process previously without any lucky. So when I do call the number, it says to enter the number on the card and says it can't find the card account and just keeps asking for me to reenter the number. There's no option to do anything else or get help. Finally, after calling back several times, I got someone after pressing XXXX for reporting it lost and stolen. The person told me I needed to use the website. I said it told me to call them. The person said I needed to fax them and gave me no Information regarding this. When I asked about it, they sped up and said XXXX sentence super fast then hung up. There is absolutely no way to fix this. It's an endless loop of call them, go do it online, call them, etc. its a scam!!
Consumer complaint received 2018-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted Transunion and XXXX several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX, all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX, XXXX.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Portfolio Services, Inc. (WV)

I noticed a hard inquiry on my credit report. It was from Consumer Portfolio Services. I have never heard of this company, I never contacted them, and I was not ( am still not ) in the market for a mortgage. This is very clearly a mistake. I have asked to have this inquiry removed and the letter was returned to sender. How can I possibly have requested a financial product from a company that doesn't even exist? See attached letter.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$2500.00}