davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (UT)

I saw a hot tub on XXXX XXXX XXXX. I chatted with the seller. I decided to take a look at it. The seller requested a {$500.00} hold for the item because they " had several people wanting to look for it. '' They requested a payment through PayPal through a Friend Account to transfer the money. 

I fell for it and paid the money using my XXXX Credit Card to put a hold on the hot tub. As soon as I submitted the money, I could tell it was fishy because the name of the seller ( XXXX XXXX XXXX ) was different than who I was chatting with ( XXXX XXXX ). Plus, the person on the other end kept erasing their conversation. Luckily, I took a screenshot of the product. 

I immediately got a hold of PayPal. Even though this is a common scam, they would not put a hold on the money. 

I filed a complaint with XXXX XXXX  ( Case ID : XXXX ) but received a letter notifying me that because I used the " Friend and Family '' option, I am responsible for the loss.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4000.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than XXXX.This is done XXXX XXXX by me. The stuff on XXXX  XXXX  report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of XXXX  reports I never gave any XXXX  consent to report XXXX  on my XXXX  reports no consent is fraud.
Consumer complaint received 2024-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have an existing dispute with XXXX about 3 late payments reported in my credit report. XXXX for some reason has decided to investigate the issue with the furnisher, which I do not understand what investigation they are trying to do about the late payments that are not supposed to be reported on any consumer report according to 15 USC 1681 2 a 1 that clearly says and quote, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. We all know a late payment is a transaction. Today XXXXXXXX  I sent the three consumer agencies a letter stating the law and to remove those three late payments. I also sent a letter to Capital One regarding the same issue.
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (CA)

Dear Mediator, I am writing to you as a borrower of a loan from XXXX XXXX XXXX. I am requesting your assistance as a mediator to help me and the lender resolve a dispute over the terms and conditions of the loan. I believe that mediation is a better option than litigation, as it can save time, money and stress for both parties. 


The loan I took out from the lender was for {$300.00} However, I was not informed that the minimum payment of {$90.00} would not cover any of the principal amount of the loan. As a result, I have been paying the lender {$90.00} every XXXX weeks for 1 month, which adds up to {$180.00}. This means that I have paid the lender more than 745 % of the original loan amount ( {$1400.00} after the XXXX payments are completed ), which is unreasonable and unfair. 


This loan has caused me and my family a lot of financial hardship and emotional distress. I have been struggling to pay my bills, rent, groceries and other expenses. I have also been feeling XXXX, XXXX and hopeless about my situation. I feel that the lender has taken advantage of me and violated my rights as a consumer. 


My goal is to get out of this debt trap and move on with my life. I am willing to pay back the principal amount of the loan, which is {$300.00}, plus a reasonable amount of interest and fees ( {$90.00} ). I am also willing to negotiate a payment plan that is affordable and realistic for me. I am not asking for a free ride, but for a fair deal. 


I hope that you can help me and the lender reach a mutually satisfactory agreement through mediation. I am ready to cooperate and communicate with the lender in a respectful and constructive manner. I am available for mediation on [ days and times ] and I prefer to meet at [ location ]. Please let me know if you accept my request and when we can schedule the XXXX  session. 


Thank you for your time and attention. I look forward to hearing from you soon.
Consumer complaint received 2024-02-05
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: TRUIST FINANCIAL CORPORATION (MS)

Upon checking with my credit union. I have discovered many hard inquiries on my credit report that I did not authorize. I have only financed through my credit union. These items are inaccurate. I did not authorize. I have not financed anything through these companies or given them consent in any way I am disputing and requesting that these items be removed from my credit report. Here is a list of unauthorized inquiries : XXXX, XXXX, REGIONALAC, XXXX XXXX, XXXX, XXXX XXXX XXXX of XX/XX/2022. Please investigate this matter and delete as soon as possible.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

Good day, I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to dispute a Goodyear account that appeared to have been fraudulently opened in my name that had been sent to collections and requested an investigation into this account. It is listed as Account Number XXXX on all three of my credit reports ( XXXX, XXXX XXXX, and XXXX ). 

XXXX XXXX XXXX, I received a phone call from someone alleging to be a collections department, stating that I had an outstanding debt from Goodyear. I told the caller that they must have the wrong person, since I have never opened an account from Goodyear. They did not have accurate information about me ( my correct address ) and did not provide any additional information validating the debt, so I thought it was a scam. 

I did not think of this call again until late XX/XX/XXXX, when I started applying for car loans in anticipation of purchasing a new car. At that time, a car dealership told me that I had outstanding debt. On XX/XX/XXXX, I requested my annual credit report and saw that there was an account for Goodyear Tire/CBNA that was opened in my name on XX/XX/XXXX, in which I disputed it. I also saw that from XX/XX/XXXX through XX/XX/XXXX, there were almost XXXX XXXX Inquiries on my credit report that I did not initiate with various financial institutions and co-branded credit cards. It appears that the only account/card that was successfully opened was the Goodyear one on XX/XX/XXXX. 

Further, my credit report listed various addresses and phone numbers associated with me. There are XXXX addresses listed in XXXX, New York and one phone number ( XXXX ) that I do not recognize. All other addresses and phone numbers listed as mine on my credit reports are correct. 

On XX/XX/XXXX, I reached out to Goodyear Credit Card to dispute the account and ask that it be closed. They stated that the account was closed and that any disputes had to be sent to : Citibank Credit Bureau Dispute Unit XXXX XXXX XXXX XXXX XXXX, SD XXXX I have also filed a report with the Federal Trade Commission ( my Identity Theft Report is attached ). 

I received a letter from the Cardmember Services dated XXXX stating that after their investigation and reviewing the information that was provided to them via certified mail, that my information in my credit report was correct. This is not the case.
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This is my 2nd complaint through CFPB because it is my " Right '' of the land to receive what the Congress mandated federal law says I have a right to. My previous complaint stated that I had not been properly notified by BOTH XXXX XXXX XXXX  XXXX and Select Profile Mortgage Servicing Co. ( SPS, Inc ) of the transferring of my mortgage service according to federal law. I emphasized in my complaint that I wish to receive mailed expedited letters from both companies ; only XXXX XXXX 's mailed letter to my estranged husband finally reached me by being hand carried to me by my estranged husband but nevertheless, I have XXXX XXXX 's letter iin my personal file. It appears that CFPB did not notify SPS, Inc of my complaint and carry out and enforce the federal law that applies to SPS, Inc, as well. After receiving online information of SPS, Inc pertaining to a class action suit, reviews ratings of " 1 '' out of 10 and the fact that I have not receiving a mailed expedited letter of confirmation that the company is my new mortgage servicing company that was due by XX/XX/year> are all red flags that appears to me as a shady company that I need absolute proof in detail of the transferred mortgage account, also to know if the escrow account is in order and not via phone or email but rather a document that I can file. Additional info I received online for SPS, Inc. follows : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-02-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I had a Lowe 's synchrony credit card account. In XXXX I called to get a balance because they claimed my payment hadn't been made. Upon checking I saw that no payment had been processed through my bank account. Lowe 's synchrony card is XXXX of the hardest cards to transact with online, payment was probably scheduled and just simply fail to process. I paid my late fee, paid off my balance and close the account. Afterwards I received a notice that I owed {$5.00} and change, I disregarded that notice since I had paid the balance requested including late fee, I have now received notice of a new balance that is {$7.00} in change, call Lowe 's for an explanation because my bill was paid late, there was an additional interest charge. It is not my fault that Lowe 's synchrony is hard to pay online, it is not my fault that Lowe 's synchrony doesn't possess the hardware to calculate accurate balances on the day of payment. I paid the balance requested, including late fees on the day of account closure. The contract is settled. Now Lowe 's is threatening my credit rating and charging me {$2.00} a month as a late fee, on an interest fee because of a late payment on a settled and closed account. This is credit harassment at its finest.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

I go through Chime mobile banking and requested a dispute for XXXX  about a company that was misleading in terms of the product they released on XX/XX/XXXX for the total amount of {$770.00}, so far only {$100.00} has been returned to me even though I sent documentation that XXXX had refunded the card that was no longer active for the total amount of {$770.00} on XX/XX/XXXX. I have filed 3 disputes and all 3 have been denied despite me sending documentation that XXXX had refunded the total amount to the card that was used. XXXX approved the refund, but my bank is refusing to allocate the funds to my account.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CT)

I received a normal monthly AmEx statement with balance {$330.00}. 
I decided to use my rewards balance of {$44.00} before paying the remaining balance from checking. 
Two days later I paid the balance, {$280.00}. This was about a week before the due date. 
Today I noticed that my current statement still had {$44.00} due. The rewards were applied to the newest charges. 

This is a dark pattern, when a business policy forces you to opt-in to an otherwise reasonable default, such as paying off what due first before paying off what's due a month from now. I'll have to call in. 

I called support and spoke to someone asking for the rewards to be applied to the oldest changes, they refused. 
Rewards are not their money, but they act like it is. They should not be able to decide how it's apportioned, regardless of what sneaky language they might sneak into a XXXX  agreement that no one ever reads. 
So I paid off the balance which is due in 2 days. What else could I do, give them more money in interest? 

I have decided to use my AmEx card much less due to this. To them, I am a " XXXX XXXX '' customer who always pays on time. They were always tops in customer service and fairness, but no longer. 
I hope you decide to take action against deceptive practices and penny-pinching money-grabs like this one.
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (MA)

I been send to a collection company which is from XXXX XXXX. I been trying to deal and pay because I need renew my license and this give me problem. I ask for validation which company just send me what he think I owner and no accurate the real debt the XXXX  give me a {$1.00} credit because my hardship but the collection refuse to take this out I have letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX an attorney general but the collection company refused to accept the credit as gives to me
Consumer complaint received 2024-02-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (PA)

The phone calls started XX/XX/XXXX. Let the phone calls go to voicemail didn't recognize the number or otherwise busy. I am providing transcripts of the voicemails that have continued on an everyday basis all providing this pretty much the same thing my first contact when I answered a call was from XXXX. I didn't like how she came across to me she asked for my name and gave me the last XXXX digits of my social I told her I did not appreciate it and I refuse to acknowledge and she hung up on me that's from the phone XXXX. Basically every day I was getting these phone calls and I let them go to voicemail and I am attaching them the second person I talked to was XXXX who sent me to somebody else a man I can't think of his name who's then **** me under XXXX saying that she was my case XXXX. I asked for information I was told XXXX XXXX XXXX alone taken out in XXXX Easy money and the amount of {$760.00} and now it's total XXXX Which was a joke to me because if it goes back to XXXX there's no way that little bit of money would be interest and fees it would be the amount would be way higher red flag I asked for our actual address I asked for professional license number I asked them to email Documentation with my signature. She has if my email address was XXXX I replied no gave her the correct XXXX every day I get these phone calls which I've downloaded and screenshot they won't give me any information they tried to give me A XXXX XXXX XXXX said no I don't want A XXXX XXXX XXXX want XXXX XXXX address tried to talk over me I wouldn't allow it. Let me tell you about how XXXX she got when I asked professional license number ohh she works under somebody who has the professional license and I said I call **** and I call scam well we'll see you in court go for it I replied. I never once took that alone from easy money back in XXXX just the dates the amount of money and everything just sent a red flag to me and it **** me off
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Experian, XXXX, XXXX have Violation of my Family Educational Rights and Privacy Rights dating back from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} Loan. 
I been at this for a long time and I tried to get this information off my credit. All of these Credit Agency still reporting my information as of XX/XX/XXXX
Consumer complaint received 2023-11-10
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. (AZ)

I discovered these alleged hard inquiries. I do not recall authorizing these inquiries and I would like to see these deleted immediately. 

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 2024-02-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (CA)

Fay Servicing and/or assignee 's XXXX XXXX XXXX XXXX XXXX XXXX trustee ) of XXXX ) per Loan Modification Agreement on XX/XX/XXXX, XXXX, modified my deceased mother XXXX XXXX XXXX ( mortgagor ) loan by misrepresentation, unfair business practice. The Origination Security Instrument Deed Of Trust is XX/XX/XXXX for the loan balance of { {$500000.00} XXXX dollars } Fay Servicing & assignee 's XXXX states first lien { NOTE } XX/XX/XXXX is ( incorrect ) of XX/XX/XXXX. Violations with all federal and state regulations, including, but not limited to Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Practice Act, XXXX and other laws. Fay Servicing and XXXX XXXX have generated, excessive, over charges fees over {$44000.00} into loan from XXXX up to current date for Corporate Advance Attorney fees over {$10000.00} carried over to Fay Servicing from when XXXX XXXX XXXX serviced loan with XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX mortgage loan.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MD)

In accordance with the Fair Credit Reporting Act, this creditor, Ally Financial, has violated my rights. Under 15 USC 1681 Section 602, it states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, it states that a creditor may not treat a credit account under an open consumer plan as late for any purpose. Please assist in getting the late payment reporting from Ally Financial removed from my credit report. Thank you!
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

There are three addresses that are being shown as connected to my social security number. They are XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX. XXXX let me know that they are all connected to Capital One but Capital One is saying the last one they don't see as connected to me. I have never lived at these addresses ever and XXXX has removed them from my report but told me I should contact you guys to let you know.