davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

I purchased three so-called Anti-Freeze Electromagnetic Car Snow Removal Devices for my two grandchildren who have just started driving using PayPal as the payment service. I made the purchase based on written claims, photos, and an AI-type video showing that the device instantly melted ice and snow from car windshields and windows. I was sent three cheap, plastic devices that a representative initially claimed were air fresheners then later claimed that the " XXXX  '' would melt the ice. 

I requested a return label and refund for the fraudulent transaction. The email exchanges I had with the company showed confidence that filing a PayPal complaint would go nowhere. It didn't. Despite attaching photos of the products received, photos of the claims made on their website ( which seems to change names ), and the images and videos of their claims, PayPal 's only response was for me to ship the merchandise back to XXXX at my expense to purportedly be refunded by the same people who perpetrated the fraud in the first place. There was no effort on PayPal 's part to recognize that their platform was used to perpetrate the scam or to require the seller to provide a shipping label for the unsolicited products sent. I am filing the complaint against PayPal for facilitating what is likely widespread fraud by this company and, undoubtedly, many others like it. PayPal 's profits by the fees they charge for every transaction - fraudulent or not. 

PayPal made no effort whatsoever, even when urged, to investigate and stop this fraudulent company from taking advantage of what may be millions of unsuspecting people. Short of me paying to ship the product back, which as an unsolicited product sent to me is not required under US and state law, to a company that could then fraudulently state the package received did contain the products, PayPal did nothing to intervene. The innocent buyer bears the burden of both the fraudulent company and PayPal 's complicity. These companies exist and proliferate because of PayPal 's role in lending their platform for payments despite knowing, via complaints, that these companies are scammers.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

The month closest to XXXX of XXXX  my accounts with CAPITAL ONE - Savor ending in XXXX and Platinum ending in XXXX I was sent many times on my capital one account on my phone app to set up a financial hardship arrangement. I answered and did the steps needed to get right with capital one. I had submitted my hard ship due to 3 deaths in my family unexpected funeral expenses that was left to me to bare with making things worse I XXXX XXXX XXXX due to the business closing with much losses due to the pandemic. With doing my best with the past 3 months to keep up with my hardship arrangement capital one has continued to add high interest on top of that late fees on both of my accounts. How do capital one think that this is helping anyone on a hardship, jobless and with this inflation? Capital one has taken advantage of myself who has done nothing but try to make sure I make my payment as best as I can. I called Capital one on XX/XX/XXXX. I requested to return late fees and stop interests accrued to both accounts. When I called capital one representative XXXX did not find any where in the system my hardship arrangement ( Red flag for me ) I then asked for a manager spoke to XXXX whom was no help she kept saying unfortunately ther is nothing I can do. XXXX did not offer any solution nor budged to look into what options could possibly help my situation nor did she budge to look into how the interest could be paused and late fees be retuned to avoid more deep depth. I should NOT be charged minimum finance charges nor late fees in the duration of my hardship payment plan. Both accounts the APR should have been set at 0 % - Not even offer a temporary fee relief to help ease the burden on both my accounts. Both of accounts are restricted from it being used why am I still being charged and penalized? It is sad to know people like XXXX ( manager ) is running this type of company a person that do not care for others with hardship no sympathy nor understanding what so ever.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NV)

On XX/XX/2024, {$20.00} of a {$61.00} XXXX purchase was credited using {$25.00} worth of Rewards Points. This amounted to a {$5.00} surcharge for using my credit card. A call to the company ( CitiBank ) by myself and others resulted in a response that one can not opt out of the " shop with Rewards points '' program.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (IL)

hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2018-12-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED GUARANTY CORPORATION (FL)

Upon the sale of my home, I received letters from XXXX XXXX XXXX   months later that stated that I owed a past. due balance from United guaranty residential insurance company. I have been trying to confirm that the debt is legitimate and that United Guaranty Residential has an outstanding amount that wasn't paid and if unpaid, that unpaid debt has been legally forwarded to XXXX XXXX XXXX and then forwarded to XXXX XXXX XXXX. Those companies have not shown proof that this debt is owed.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 

Your agency is in violation! 
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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello. I did not give consent to the credit bureaus ( XXXX, Transunion and XXXX ) to add my bankruptcy to my credit report. The U.S. Bankruptcy Court of Central Illinois states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.
Consumer complaint received 2024-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (UT)

My daughter was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX Utah ) for a major health event. I cover her health insurance and made sure to contact the billing department early and provide documentation that myself and her dad ( who are separated ) are both legally responsible to pay XXXX of all her bills. As such, billing was split accordingly- although this took repeated effort. I maxed my out-of-pocket and paid all bills owed on my account for her. XXXX XXXX Billing office has record of this and confirmed this recently. They also noted that I was paid in full and the balance remaining was due from my daughter 's father. I have received no medical bills since XXXXXXXX XXXX XXXX I received XXXX individual bills from a collection agency, Express Recovery Services XXXX Inc. in my name for what appeared to be my daughter 's dads ' bills. I called XXXX XXXX billing and they noted that I was paid up and they weren't sure why the credit agency had sent me the bills. The notes that they had access to ( Express Recovery Services ) showed that I had paid my balance back in XXXX. The credit agency had been unable to collect from my daughter 's dad and so decided, I guess, to go after me - despite knowing, having written documentation from the hospital billing office, that I had already paid my balance. This is completely unethical. I called the credit agency right away and explained that I didn't owe anything, had paid in full, and would be contacting XXXX XXXX billing to discuss the matter. I also noted that I intended to reach out to my attorney about the matter because I was so tired of dealing with the issue. To date, since that initial conversation back in XXXX, I have not heard from them ( credit agency ). However, given the egregious nature of this action by Express Recovery Services, who sought me out on their own and not at the request of XXXX XXXX, I strongly believe there should be some action against them. This was an effort to intimidate me into paying for my ex 's bills probably because they knew I did pay my bills. I suspect they've done this to other people who are divorced/separated from their former partners. If I had the funds, I would sue them.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (FL)

I have never had a relationship with " XXXXXXXX XXXX '' yet there is an account showing as owed by me and being collected by Persolve Legal Group. 

I have attempted to speak with both XXXXXXXX XXXX and Persolve to determine where this account came from. XXXX can only tell me that it was " XXXX '', another company I've not heard of. Persolve has told me the debt would be removed as it was part of identity theft, yet to date, the account remains on my credit report.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

My VA just bill the check was sent as direct deposit and shouldve been made available on XX/XX/XXXX. My deposit was not made available because just before that my account was compromised and some fraud committed on my account. VA XXXX check is the only income I can receive according to the VA I am XXXX XXXX XXXX XXXX, so they are holding the funds. I have it will not let me access them before the deposit was sent they told me the fraud caused the account to be locked which she did, and then the deposit would be returned back to sender, which was not they kept the deposit in my account.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
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: CITIBANK, N.A. (PA)

On XX/XX/2023 i called Citibank to inquire why I continue to see different amounts on my oline account and back account. the company has been taking money from my bank account then saying I still owe money. XXXX XX/XX/3023, my balance should have said XXXX or -at least - {$4200.00} but the company keeps doubling charges at then says the system has a glinch. I never received correspondence regarding the glinch. they have been charring be two interest rates since XXXX. They charging interest on fees the should be XXXX. on the XXXXXX/XX/2023 statement there should show a negative amount because I had a negative XXXX balance, a credit of XXXX, and a payment of XXXX. Citibank has produce several statement with conflicting information
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (CA)

Please remove these identity theft inquiries : All XXXX accounts for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-01-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

As said, I was set up on a XXXX month payment plan. Initial person was great, my bank card expired XXXX months in so I called back to speak with XXXX who set it up. Called back in a timely fashion the first week of XXXX to give the new bank card information, she was not available. So spoke with someone else at that office and went through the XXXX minute process and verified everything after doing a phone signature and was told its all set up. Now they are harassing me calling from XXXX different area codes across the US. I'm in the hospital and finally spoke to someone and was told the payment 's are invalid and I need to pay now to keep the account current. If I went through that process and everything was verified why 'Invalid ' I'm now in contact with 'Legal Aide '
Consumer complaint received 2018-12-18
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. (CA)

Transunion So funny contact companies You know for a fact I have You have there documents that clearly show they have NO evidence this is was or ever was my account They are playing games and you are being miss lead in to false reporting buy them. Please look at the game being played here, enclosed a copy of a credi t report stating removed from account sent to the response to CFPB account removed XX/XX/2018 and it never was NOT one day I called XXXX With in 2 hrs it was changed to CHARGE OFF but I was told to wait for an investigation I did not State My complaint was Against the credit company for leing in there response thats leing to myself FTC, CFPB, OCC
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$780.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXX
Consumer complaint received 2024-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying to ask for transition assistance to avoid foreclosure from a divorce. I am on title and my ex spouse is the borrower. From my divorce decree. With my realtor I have sent over all required documents to postpone the sale date of XX/XX/2024. I am also going through a service transfer to XXXX. Because of the current sale date and the fact I am going through a service transfer I do not know the exact close of escrow. If I have to use an attorney to stop the sale date I will but I am trying very hard to avoid that. Based on mortgage banking guidelines SPS has all required documents need. Please check the XXXX. My property is PENDING. Again I am in an active escrow. I have been trying for a month to request the sale date be pushed back after being denied a loan modification. I am in a current service transfer.
Consumer complaint received 2023-11-13
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.