davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Sold a mobile phone ( XXXX XXXX XXXX XXXX ), ( new open box ) on XXXX on XX/XX/XXXX to Buyer. Payment was received on XX/XX/XXXX through PayPal ( {$140.00} ).  Item was shipped by me the Seller, to the Buyer at address provided. Tracking information provided in screen shot from XXXX on attachment. Item was delivered on XX/XX/XXXX. 

Buyer had a question using a sim card and sent this correspondence through XXXX. Seller responded, then Buyer had another question on accessing the phone. Seller provide link on how to reset phone and Buyer responded all okay. Buyer has acknowledged receiving the phone, taken pictures of it and started using the phone. 

On XX/XX/XXXX the Buyer filed a complaint with their financial institution and requested back all monies they paid. PayPal sent an email to Seller, noting this complaint in Sellers 's account. Seller provided documentation showing Buyer was delivered the phone, has been using the phone for 4 months, and has not returned the phone. This documentation was uploaded to PayPal and supposedly forwarded to the Buyer 's financial institution. Buyer 's financial institution subsequently debited Seller 's account by {$140.00} plus a {$20.00} charge back fee.

During this time Seller spoke to XXXX and PayPal numerous times. XXXX, claims to only holds Seller / Buyer records for 30 days. Thus providing no means for Seller to access records or providing any Seller protection when fraud is being committed on behalf of a Buyer.  Additionally, XXXX received their fees from Seller on item sold and also has not refunded these fees to Seller. XXXX claims this is out of their control and after 30 days washes their hands of matter. Note : USPS limits tracking to 120 days. 

PayPal, notes they offer " Seller Protection '' but this is a complete misnomer. " Seller Protection '' would imply if fraud or other criminal activity occurs Seller would be protected and be reimbursed or have protection of funds received. However, " Seller Protection '' under PayPal is actually only a conduit for the Seller to respond to a one way conversation in a dispute such as this. 

All persons Seller spoke to on XXXX and PayPal agreed that this claim by the Buyer was fraudulent but offered no remedy to the Seller. PayPal additional would not provide Seller with the name of financial institution that initiated the charge back or provide a means to contact this financial institution 's fraud department, thus adding to their complacency in this wire fraud scheme. Additionally, both companies indicated ( in speaking to various representatives ) that this type of fraud happens all the time. 

PayPal and XXXX both have a fiduciary obligation to protect their financial networks from fraud and criminal activity. Both companies offer no protection to Sellers based on fraudulent activity such as this or take any steps to curb this activity.
Consumer complaint received 2023-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

On XX/XX/XXXX I received another letter from select portfolio servicing attorneys requesting the courts gir another sale date while Im still in active review of a modification. This should not be happening at the same time. A sale date that was scheduled for XX/XX/XXXX was cancelled but a new one has been requested on just two weeks while Im still in review.
Consumer complaint received 2023-06-06
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. (CA)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (CO)

Paying off a loan with Conns Home Plus, in 2 years ( Was set as 3 years ). They precalculate interest, and I have already paid more in payments over 2 years than would be required over 3 years. They continue to say the info is calculated right, but when I calculate it is obvioulsy wrong. They use the rule of 78 which says at this time I should be due a refund of overpaid interest, but they say I still have a balance on my loan. The amount has been increasing drastically every month. In XXXX payoff was supposed to be {$100.00}, I didn't have a payment due for a while so I made my next payment in XXXX ( {$140.00} ). Now my payoff is {$91.00}. The numbers did not add up, so I put all the information without a 2 year amoritization ( As if my payments were paid in 3 years ) and I have already overpaid by {$250.00} with additional amount still owed. Not getting much help other than Conns saying they are right and I still owe this.
Consumer complaint received 2016-12-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I need someone to take a look at how Nationstar Mortgage Company is handling my mortgage loan. I am on a fixed interest of 6.555 since XX/XX/2017. Lately, Nationstar has been charging fees that I do n't understand. I am trying to speed up my pay off by doubling the monthly payment, by the unforeseen fees are not helping.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (GA)

I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX  on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( XXXX mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Consumer Financial Protection Bureau Re : Complaint against Bank of America To Whom It May Concern, I am writing to express my dissatisfaction and concern regarding a recent decision made by Bank of America in relation to my deposit account application. I am greatly disappointed by the denial of my account opening request, particularly given my previous two-and-a-half-year history of utilizing a checking account with your only reason l open account again beo a o b offer XXXX dollars open rewards. 

I received a notice indicating that my application to open a deposit account with Bank of America had been declined. The decision was purportedly based on information obtained from XXXX XXXX XXXX , XXXX, as mentioned in the communication. However, I am troubled by the fact that neither the agency nor the bank has provided me with specific reasons for this decision, leaving me feeling perplexed and frustrated. 

According to the notice, I have the right to obtain a free copy of my consumer report from the consumer reporting agency within 60 days of receiving this communication. I intend to exercise this right and request a copy of the report to better understand the factors that led to the rejection of my application. Moreover, I am concerned about the accuracy and completeness of the information within my consumer report, as I believe my financial history and relationship with Bank of America should warrant a more favorable outcome. 

The factors cited as adversely affecting my deposit account scoreparticularly the status of my relationship with the inquiring bank compared to the age of my established relationship with any bank, the total amount of returned checks during the last 30 days, and the number of inquiries during the same periodare aspects I believe require further clarification. Given my history as a loyal customer, I find it difficult to reconcile how these factors could outweigh my positive banking history. 

I value my relationship with Bank of America and have trusted your institution for over two years with my financial needs. As a customer, I believe in open communication, transparency, and fairness. I urge you to conduct a thorough review of my application and the decision-making process that led to its denial. I request that you provide me with detailed explanations for each factor that influenced the outcome, so that I can better understand the reasoning behind this decision. 

I appreciate your prompt attention to this matter. I am hopeful that by addressing this issue, we can rectify any misunderstandings and continue a positive banking relationship. 

Sincerely, XXXX
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$180.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-08-21
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. (TN)

I was a victim of identity theft. My personal information was stolen from my car and my id was used to get loans and credit without my permission. This is identity theft
Consumer complaint received 2023-08-22
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. (IA)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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. (OH)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

For a year Capital One has been sending my late mother, XXXX XXXX XXXX DOB : XX/XX/XXXX DIED : XX/XX/XXXX letters that she has been preapproved for a Venture credit card. She can not opt out to receive this letter because she has been die over thirteen years.I have a living XXXX year old cousin that live in gov. housing and have had XXXX XXXX that receives these letters, also. If my mother was living what would a XXXX year old need a credit card to earn travel miles and on XXXX????
Consumer complaint received 2023-08-21
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. (CA)

Another individual 's address and related credit information have been wrongly associated with me. This was incorrectly reported to my record on XX/XX/XXXX. I have been wrongfully associated with individuals with similar names and dates of birth from the county of XXXX since XX/XX/XXXX. That is the first time information has been wrongfully associated with my record and has only been repeated as I was associated with another individual after that and again in this instance but related to my credit. I have already appeared in court on XX/XX/XXXX to clear this mistake but it seems like it has not been completely fixed yet as I am still being associated with this incorrect information tied to my record. After a dispute that was issued on XX/XX/XXXX, the disputed item was removed from my credit report which was XXXX XXXX XXXX, reporting a balance of {$4200.00}. But it appears that the information has not been completely corrected yet as they keep referring to me with the wrong name.
Consumer complaint received 2018-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My mortgage was through XXXX XXXX. It was bought by XXXX. Then it was bought by XXXX XXXX. Now I receive a letter saying it was sold to PennyMac, BUT the terms are not being honored. I had automatic payments through XXXX, XXXX   and XXXX XXXX. This covered my Principle, Interest, Insurance and Property Taxes. PennyMac says they will not take care of that in this letter. XXXX XXXX NEVER said they were selling my loan. In this day and age of fraud and corruption no one needs this from finance companies.

When mortgage companies assume a mortgage are they not supposed to honor the terms and rates of the loan, especially a VA LOAN!? If it's not a law WHY DON'T WE MAKE IT ONE!

My mortgage is not a Grifter 's game for banks to play with. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (KY)

I got the car in XXXX XXXX. The company, American Car Center went out of business a week later. I received temp tags and was told I would get my title in mail. The company the sold everything to is Westlake. I called them and was told to email them to recieve my title. I got nothing. They then to me to go to my DMV and have them request it. They send nothing. I have been contacting them for 7 months about this issue and they are doing nothing about it and basically refuse to send me anything. I have muiltplie emails with no reply and when I call into customer service they just transfer me to anyone so they wont have to deal with it. My tags are expired and I can not drive the car due to that. They want a payment but cant send me anything.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: JPMORGAN CHASE & CO. (TX)

I took XXXX to XXXX XXXX XXXX XXXX ( Texas ) looking for a vehicle I could drive for XXXX. The Finance manager, XXXX XXXX, told me the payments for the car a salesman showed me would be about {$580.00} a month. I told him I couldn't afford that much, so he said " Let 's try this '' and asked me to sign the loan application blank. I did so, and he told me to take the car home because they had kept me there until closing time. 
A week later I received the loan approval in the mail, stating that the payments would be {$680.00} a month. My insurance company said the insurance would be about {$500.00} a month. I called the dealership asking to return the car and XXXX ,. XXXX said it was no longer their responsibility, that they sold it to Chase Bank. I tried to contact Chase and had to wait until the loan information was in their computer to discuss it with them. 
When I was finally able to talk to someone their representative told me they would sell the car for me but I would have to sign a letter stating I would pay the remainder owed. 
After receiving a late notice for the first payment I called Chase and asked them to sell the car. I just received a bill for {$12000.00} from chase and the auto insurance cost {$910.00}, plus losing the {$1000.00} down payment.
Consumer complaint received 2023-08-21
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. (NY)

After several contacts and discussions with Al three bureaus I have not able to have these incorrect items from my report as they have individuals information that doesnt belong to me or match my credit activities with all bureaus. Now that I have exhausted all the remedies under their guidelines, I would request that cfbp get involved However their verification method and processes violated my consumer rights and still impeding me from utilizing my credit privileges allowed under the law. They have not send me any original documents nor did they explain why these erroneous reports are on my file. I intend to pursue this matter until deletion of all derogatory items listed on my account.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (NY)

I attempted to submit an Experian XXXX, entered bill accounts and other credit card information but the website did not respond as it should have. I read the terms and conditions so membership is not necessary so I am confused as to why my good payment history wasn't honored as advertised on Television. Their customer service support center was dismal and very unprofessional so I submit this complaint to ensure this company is held responsible for selling faulty products on TV.
Consumer complaint received 2023-08-22
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. (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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (IL)

TD Bank/Target offered a payment plan in XXXX of {$81.00} due on the XXXX of every month starting in XXXX. Payments to be automatically debited. Payments were made on time XX/XX/XXXX and XX/XX/XXXX. 

As of today, XX/XX/XXXX, they have reported me 60 days late in XXXX, XXXX and XXXX. I have disputed several times with XXXX and with XXXX showing documentation and it has not been resolved. XXXX payment is not even due for XXXX more weeks! 

This is ruining my credit and needs to stop! I am paying on time as agreed in the plan that they offered.
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Credit and Collections Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. 

Please remove the fraudulent accounts from my credit report as soon as possible.