davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

I contacted PayPal re a purchase I made from XXXX on XX/XX/XXXX  in the amount of {$360.00} through them. Of that {$360.00}, on XXXX  at XXXX, I set up a partial return with the company in question. The amount of the return was {$230.00}. XXXX provided me with a return label ( they have a policy for FREE return shipping ) and return ID number : XXXX. This was provided to PayPal. The items were sent Via XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX continues to deny they received the package, despite the tracking information demonstrates the merchandise was in fact received on XX/XX/, XXXX at the warehouse in XXXX XXXX XXXX the address provided by XXXX XXXX Further, PayPal continues to decline the dispute even though proof has been provided on more than one occasion. I was able to chat with a live person, XXXX, who stated, {$230.00} was a charge back and therefore, the refund would not be coming from them directly but from PayPal. PayPal denies this, even though that information was provided to them. 

PayPal requested additional information that included the date, amount, and contents of the original purchase. I was told once they received that, they would be able to resolve the case in my favor. Said information was provided multiple times. Despite that, they closed my case in favor of the merchant. The evidence I have provided proves XXXX has received the package in question but PayPal refuses to further investigate despite XXXX has given them in writing that the refund of {$230.00} will be coming from PayPal as XXXX already refunded PayPal.
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (VA)

A notification of a debt owed for {$100.00} appeared on my credit report, explaining that I owe Sunrise Credit Service with a telephone number of ( XXXX ) XXXX. I telephoned and their recording stated their office hours. My call was within those office hours. The only available option is to be transferred to their automated payment portal. It is not possible to speak with a human and learn more about the debt. Sunrise Credit Service never wrote to inform me of the debt. They simply made a negative credit report entry.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I reached out to Equifax regarding fraudulent/unauthorized inquiries on my account. I was told to contact the creditors listed which I did but they were unable to help me since they either no longer had the information, or redirected to me to contact Equifax again. Today, XX/XX/XXXX, when I reached out the agent told me to get the inquiries removed I needed to file a complaint and fax it over so they could get this inquiries removed from my credit report. Below I have listed the names and dates on the fraudulent inquiries : XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2024-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reviewed my credit report XX/XX/2024 and found unusual activity on my report. To my finding there were hard inquires. On XXXX XXXX, 2024 I contacted XXXX and spoke to an agent by the name of XXXX who told me that he could not support with removing the falsified inquires. That same day an FTC report was made for fraud, see attached file.
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DCI Credit Services, Inc. (ND)

Debt collector stated debts were owed from years XXXX and XXXX. 

These debts were paid by XXXX XXXX XXXX XXXX 

They also didn't like the fact I stated it's past 7 years to collect. So they fabricated a lie and said there was a judgement made in XXXX that lasted until year XXXX. 

I have no record of said judgment on any of my credit reports nor on my public state records.
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (FL)

I was approved for the income based repayment plan XX/XX/XXXX. Great Lakes continued to bill me at a standard repayment rate. I called each time to tell them it was wrong which they ignored. They eventually told me I had to reapply to the income based repayment. I did what they said and was approved, again, XX/XX/XXXX. However, they continued to charge my accounts interest from XX/XX/XXXX through the present even though they continued to have my payments wrong preventing me from making a payment without the risk of accepting what they were doing. On XX/XX/XXXX, I spoke to Great Lakes again, and they deny that I was accepted and refuse to correct the interest they charged me which is now over {$10000.00}.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

on XX/XX/year> I made a payment and a late fee of {$30.00} plus a currant payment in Full, on XX/XX/year>, I get a balance saying I owe a balance of {$2.00} due by XX/XX/year> and I rarely use the card, I think the company is gouging me with fees. 

The Company is : XXXX XXXX XXXXSynchrony Car Care I called company on XX/XX/year> XXXX, It was'nt easy to get a live person on the line when I taled to a lady I was told that it was a fee due to the late I'm. Confused.
Consumer complaint received 2023-09-19
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. (WA)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (NC)

On the date as of, XX/XX/2023, I completed an application for a consumer credit line and was denied access to said credit line. Immediately after the delivery of this information I had received, I called the American Express Customer Service Line for Credit Services, phone number provided here : XXXX ( XXXX ) XXXX, that was provided for the dispute of such actions and related issues and was directed to the supervisor of their department. After expressing to him my rights as a consumer, expressing my knowledge of my application being turned into a promissory note that HAS value no matter what, and has been deemed lawful money on demand, I was told that I did have a claim and gave me the correspondence postage information, and directed me towards the legal department of American Express. 
I have sent written correspondence as stated in terms and conditions and as stated by a representative of the company. I have yet to hear back any kind of correspondence when they are holding a security that I have provided to them for the opening of my open ended credit account which hasnt been opened yet. the credit line that shouldve been provided to me. Because I have given something of value, a security, and have not received anything in return. Which is bottom line securities fraud, for my open ended consumer account which should have been opened. I am an investor, per their prospectus, I have provided a promissory note, and that is a security which provides all collateral necessary for the opening of the open ended credit account. This company is prolonging their process, for a matter that shouldve already been handled by now.
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CO)

My mortgage was bought by NationStar/Mr Cooper. My payments were automatically deducted from my checking account with my previous lender and this migrated to the new lender. The problem is that each month the new vendor deducts the money from my checking account on the XXXX of the month but sends me a letter dated the XXXX which says that I have not paid, and suggests ways that I can pay, which cost more money. This comes across as a scam, they are just trying to get more money.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Ive made several attempts to correct incorrect address on credit report but cant get this rectified Under 15 U.S. Code 1679c Name is spelled incorrectly several times on personal information Several addresses not associated with myself
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2022-10-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-05-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

Hello XXXX XXXX, Attached is further evidence of the contract breach on behalf of PRMI for your review. 

Section 19 of Security Deed where Breach occurs Evidence of Sale of Note/Transfer of Service to XXXX Evidence of Communication Post Sale to XXXX Evidence of Payment Confirmation Post Sale to XXXX Evidence of electronic funds transfer payment to PRMI Post Sale to PUF Statement from Nationstar DBA XXXX XXXX PRMI Notice of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for your review ) XXXX XXXX XXXX We need not be at odds ; the Breach has been proven with substantial Evidence. I implore you to work with me for the continued prosperity of your company. I look forward to hearing from you by XX/XX/2024 with my orders delivered regarding DEED OF DISSOLUTION OF SERCURITY DEED BY GRANTOR FOR LACK OF EXECUTION BY BENEFICIARY. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (CA)

I found below inquiries on my credit report which are not associated with any of my open account, I did not authorized these inquiries to credit report. Hence these inquiries should be removed from my credit report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX CORELOGIC CREDCO XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDCO ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX CORELOGIC CREDCO LLC ( XXXX XXXXXXXX XXXX  ) XX/XX/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 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (TX)

I applied for a card with Citi/Aadvantage Card XX/XX/year>. It was approved. I never received the card. The name on the card is not mine so they will not talk to me. The address is not mine. They said they would text me a code to the phone number on file. I never received that so I am assuming everything is wrong but my social security number. 
They told me today someone is using the card. I can not shut it down because I can not access anything. 

I have ask for the fraud department and I get passed from person to person until I hang up.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (CA)

back in XXXX me and my husband nearly lost everything, our real estate investments and our home I had XXXX month left on my lease of the XXXX XXXX and I tried to terminate the lease early but accepted the {$6000.00} they asked for to do so asked for a payment plan and I was denied. Then the XXXX kept adding interest charges to the amount owed and every time I called them to ask for payment options they would say that they want the full price included the added interest charges ... XXXXthey didn't work with me and then in XXXX they got a court judgement against me for the amount of {$17000.00} and now that I am finally working somewhere and hardly make the money to survive they are withholding my wages.
Consumer complaint received 2024-05-06
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 (TX)

I informed experian that I am a victim of identity theft. 

They initially blocked all of the fraudulent accounts I alerted them about. Now they have unblocked it and I do not know why. There has been no further investigation.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CA)

I have been making payments of {$500.00} on my account every month, specifically around the XXXX. % XXXX XXXX  goes towards the interest only and an additional {$27.00} XXXX interest on cash advances. However, due to the unforeseen loss of income caused by XXXX, I am struggling to keep up with my payments. Even though I am a veteran with a 70 % XXXX, my request for a lower interest ( XXXX % ) rate was denied by the company. Before the pandemic, I had strong finances and no use for credit cards. I ask for the company 's compassion and understanding during these challenging times. Any relief would be appreciated. This isn't particularly good after we swore to defend the same country that is unwilling to help.
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX, made a solar loan for XXXX in XXXX. 
Would contact to get updates, ask to bring inspector, and get the job complete and we're promise job will be done and wouldn't pay for a year. Job has not been completed, not been contact in months and been blocked. Lied about getting anyone on the property. Cameras have been on for them. Just issues after issues with the contractors and still haven't gotten anything complete and it's been XXXX years.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had filed a consumer, financial protection agency complete against XXXX XXXX in XXXX XXXX Approximately XX/XX/2023. XXXXXXXX XXXX  froze my account two years ago for a joint IRS tax refund that my husband signed and I signed and I put in my personal checking account. My husband and I were going through divorce and he complained to the bank that he didnt get his half of the refund, so XXXX XXXX account with the understanding that I was to bring my husband in and he signed an affidavit that he signed the check and I returned the check to them. Theres a restraining order on my husband for XXXX. He was arrested for XXXX  XXXX, and I could not bring him in and he cant even be near me. The bank went ahead and hold on the check for approximately a month and then release the funds. And then place the throw it freeze on the account with those stipulations. Unfortunately, XXXX had cashed the check and I was unable to go to the IRS to have them issue to separate checks so the funds still remain in the bank account and XXXX still will not release the funds to me, I file consumer financial protection complaint and they actually released the hold on the account and I had verified it with Capital One Bank. All three of us were on the phone and XXXXXXXX XXXXXXXX is shirt capital one bank with me on the phone that there was no holds on the account and that they could transfer the funds and there would be no problem with me having the money. Well, two weeks later they reverse the funds so I attempted to transfer again to make sure that maybe there was an error and I did this probably three or four times and they reversed it every time. Well, One has no My Account and will not release hold. They said its under investigation its been 15 days now and I cant make my auto loan payment. I cant use my credit cards. They have all my money and commercial has all my other money and Im sitting here looking at no food. No gas cant pay my bills. My credit is gone down because I cant even pay the car payment that One has and I can not pay it with my own checking account. They allow me to transfer it but then they reverse it now, and basically Im sitting here looking at my electricity is going to be cut off and I have no access to any financial banking. Im very frustrated I was not allowed to have a XXXX this year because of this and my phones gon na be cut off Im trying to operate my own business and I have no access to funds. This has been the most horrific experience in banking Ive ever had I feel its very unfair. They dont care everything is computer generated and operated and I cant talk to anybody nobody ever calls me back when I do leave messages and they said they dont know when theyre gon na ever really XXXX. I have a mortgage payment is due. I have car payments thats due. I cant pay any bills.