davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
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: CBC Companies, Inc. (FL)

XXXX Still has my information, I called and asked to opt out, AND DELETE all information in my name. They said they would mail out a report of all items on my report, on XX/XX/XXXX they mailed me a letter saying " unable to process request ''. im under no opbilation to send them any of my personal documanets. I HAVE NO CONTRACT WITH XXXX. I want ALL my information removed forever, this is a private company with my personal information REMOVE IT.
Consumer complaint received 2023-01-20
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. (WV)

On XX/XX/2023 submitted dispute with copy of my state issued drivers license to have my address corrected with the following credit reporting agencies XXXX and Equifax for correction to fix my address ; they chose not to not make the correction but not sure what creditor reported the address because my address single family home but the address on my credit report file states apartment number ( will not remove the apartment number ) never been associated with my addresss.
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

PayPal says I am responsible for two fraudulent charges on my PayPal account these charges were done at the same time through my PayPal account by means of autofill that attached to my bank. One transaction was for {$100.00} the other was for {$60.00}. Because I had my bank linked to the card and PayPal account when the transactions were sent to the merchant my bank account was charged {$110.00} and {$60.00} to credit my PayPal account with enough money for the people that made these fraudulent transactions to make them. I have given PayPal ample time and as much cooperation as possible to show them that I did not make these purchases I have not received any goods or services from the companies that PayPal things I authorized payments too I also did not authorize the bank transfer as that was a automatic system in place for me to use I had no idea my account was compromised I did not know that I was hacked but from the evidence I have provided I did everything in my power to try to stop this transaction from going through and I was still ruled against and now I am liable to pay back the provincial credit they gave me until the case was solved. I say the case was never solved and was not looked into good enough if my PayPal account was compromised it was not my doing as my phone is protected through malware and antivirus software and I used two identification factors including and not limited to my biometric fingerprints. As I did not make these purchases authorize them or receive anything from the merchants that the payments were given to it is obvious that my account was hacked and that these charges were fraudulent. PayPal made a hasty ruling band this isn't fair or an ethical business practice to charge someone for something they did not even do. I also escalated a dispute with my XXXX XXXX XXXX account to tell them I did not authorize the two transfers to PayPal one in the amount of {$110.00} the other in the amount of {$60.00} dollars I do not want my bank account to be affected by this unreasonable and unfair ruling against me. This is all PayPal 's fault and they are the ones liable and should be held responsible for their failure to investigate and properly serve Justice were justices do.
Consumer complaint received 2021-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. I have sent over 3 rounds of letters
Consumer complaint received 2021-12-29
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. (FL)

The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have two mortgage loans from XXXX XXXXXXXX XXXX, XXXX being serviced by Select Portfolio Servicing , Inc, loan # XXXX & XXXX. The payment amount of {$820.00} for loan XXXX and {$810.00} for loan XXXX are incorrect and there is no plausible explanation why both is so high. The loan documents signed at closing for both say the payments should be {$480.00} for loan XXXX and {$470.00} for loan XXXX with no Escrow. As agreed on the loan documents they will be no escrow. The additional amount doesn't equal any prospective escrow payments ( taxes on both are $ 900 yearly and insurance is $ 1100 yearly ) and there is no explanation for the differences. I've called over 10 times since XX/XX/XXXX to get this fix. They told me to give it a few days it will fix itself, I was then told it was because of the escrow ( again which doesn't make sense ), I was asked to upload letters to remove the escrow which I did, I was then told it was because of a lien by the county, they didn't have any lien, my attorney had no records of the lien. I keep calling to get this resolve and I'm not getting anywhere with this company. I asked for management and my request was ignored. Every time I demand to pay only the principal and interest that was agreed upon they would say there's a service charge of {$15.00} dollars and would only waive after I demand it to be waived. I would like to have this issue resolved as soon as possible but I'm not getting any assistance from the loan servicer.
Consumer complaint received 2021-12-29
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: Rent Recovery Solutions (TX)

We paid Rent Recovery Solutions {$3900.00} on XX/XX/2021. The representative informed us the debt would be removed from our credit report. The debt is still showing on our credit report. We contacted Rent Recovery Solutions a second time, the representative from the company now informed us, that the credit bureau would have to remove the debt from our credit report. 

We are expressing Rent Recovery Solutions used deceptive, and unfair business practices by initially informing us the debt would be remove from our credit report in order to secure the debt funds of {$3900.00}. We are explaining Rent Recovery Solutions enticed us to pay the debt in full, by explaining the debt would be removed from our credit report. Please investigate this company. There are probably other consumers that have incurred deceptive practices from this company. 

We want Rent Recovery Solutions removed immediately from our credit report. Please asked the company to let your department hear the company recordings.
Consumer complaint received 2021-12-29
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: LEXISNEXIS (FL)

LexisNexis Still has my information, I called and asked to opt out, AND DELETE all information in my name. They said they would mail out a report of all items on my report, on XX/XX/XXXX they mailed me a letter saying " unable to process request ''. im under no opbilation to send them any of my personal documanets. I HAVE NO CONTRACT WITH LEXISNEXIS. I want ALL my information removed forever, this is a private company with my personal information REMOVE IT.
Consumer complaint received 2018-03-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (NJ)

On XX/XX/XXXX a bona fide contract in the amount of {$500000.00}, HUD letter, buyers mortgage approval letter and the property inspection report was filed with XXXX XXXX XXXX the loan servicer The servicer failed to respond to repeated calls and emails for 10 days. On XX/XX/XXXX the servicer sent a letter denying the short sale. The current loan balance is {$490000.00} as of XX/XX/XXXX. The servicer forwarded an email to their legal counsel on XX/XX/XXXX instructing them not to adjourn the sheriff sale scheduled for XX/XX/XXXX. The sale closing is scheduled for XX/XX/XXXX. The servicer stated that the pending sale.is rejected as of XX/XX/XXXX. The reason for the rejection stated by the servicer was that the sale was required to be 37 days from the date of the sheriff sale. I contend that the servicer rejected the sale because they wished to inflate their fees and costs and legal fees. Further the price obtained at sheriff sale will no doubt be less than the private sale thus increasing the amount of the defiency and thereby increasing the potential for a greater deficiency judgement against the borrower. I have emailed the servicer and demanded a copy of all communications written or recorded to and from the borrower, proof of their authorization to act as agent, as well as copies of internal communications to legal counsel, the complete file, the basis in law that provides the 37 day period and a request for an adjourment of the sheriff sale as to facilitate the sale of the property. I am filing this complaint in good faith and as truthful testimony. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

ON XX/XX/2021 I purchased merchandise on XXXX and the source of payment was " Paypal Credit ''. I have not received the merchandise and i believe the merchandise is lost in transit ( see attachments ). I should had done received the order by now. I Believe the merchandise advertisement was a scam to begin with. So I have asked for a refund in the amount of {$19.00}. I have sent the seller messages to no avail.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have citibank costco credit card. It will expire on XX/XX/20. Citibank chose to close this account once it expires on XX/XX/20. This account is have no past due or has been late on payment. Citibank also dont want to give the rewards i have earned by using this card. So far I have like {$700.00} of rewards that is suppose to be given in XX/XX/2020. Its ok if they close the account but I want my rewards. I tried to talk to citibank to keep my card but they wont.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo has charged me an egregious amount of overdraft fees this past year alone - {$590.00} in total across two accounts. On one occasion, they charged me {$35.00} for a {$15.00} overdraft. 

I am a hardworking student, just trying to finish school and enter the workforce. I can not afford to pay a luxury credit fee for a few overdrafts that Wells Fargo approved.
Consumer complaint received 2021-12-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Hello, I am writing about the alleged bankruptcy ( XXXX, XXXX, Equifax ) is reporting. I have sent over 6 rounds of letters asking for the proper verification but they have ignored my request. Isnt it illegal to ignore a consumer request under ( insert law ). 
I have been more than patient I need resolutions now as this is tarnishing my credit score I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this? court name is not accurate - each bureau must report the actual name of the court. I DEMAND TO KNOW WHERE YOU GOT THIS INFORMATION FROM THE COURT HOUSE DOES NOT SUPPLY THIS INFORMATION SO TELL ME WHO REPORTED THIS IF YOU CAN NOT PLEASE DELETEThis agency is in violation of 15 U.S.C. 1692g. The creditor ignored the request to verify this inaccurate information.
Consumer complaint received 2021-12-29
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. (VA)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX Reference # 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 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 XXXX 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.
Consumer complaint received 2021-12-29
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE OBTAINED MY INFO AND OPENED ACCOUNTS IN MY NAME. THIS IS CAUSING ME SO MUCH HRDSHIP. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE.
Consumer complaint received 2023-12-06
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. (NC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-29
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. (MN)

I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IL)

We have been loyal customers of XXXX for more than 10 years. On XX/XX/2019 we switched to another company. When we received the last bill by XXXX we were surprised to see that instead of issuing a prorated bill for the 6 days we used their services ( from XX/XX/XXXX to XX/XX/2019 ) they charged us for the whole 30 day period! 

We called multiple times the customer service center of XXXX and they insisted on that. We requested that they present us with the contract we signed more than 10 years ago and they referred us to their website, which for old customers initiated service more than 10 years ago the contract DOES NOT state that prorate is not the case for cases like ours. 

As a final action, we wrote to the Customer Relations of XXXX, but instead of replying to us with specific arguments and facts they decided to send the claim to a collection company! 

After that we would like to let you know that we dispute this debt and we are willing to pay the fair amount for the service we had. Thus, to pay, for the 6 days of service per {$3.00} per day, the amount of {$20.00} plus taxes and fess of {$10.00}.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. I disputed my balance with XXXX and no changes were made. 

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. My credit report does not reflect that.
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NY)

******************URGENT***************** Hello, I joined Gemini last month. I use the account to purchase crypto currency. The account has had small but steady growth. I recently moved Ethereum from my Gemini account to a XXXX XXXX XXXX. I only mention this because that's the only recent changed. I also always log into my account from my phone or home computer. Both VPN protected. 

Out of the blue yesterday, I went to log into my Gemini account and discovered IT IS FROZEN. For no reason, with no explanation. I have since followed the steps twice to have my account unfrozen. All to no avail. No response from customer service. No urgency to correct the situation despite me not having done anything wrong... Other than possibly using Gemini as my custodian. I never have this problem with XXXX. 

Please help. This is time sensitive. I'm interested in using my funds to mint XXXX
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

Back in XXXX, I totaled my car. XXXX XXXX XXXX has done their part terminating the lease, paying the balance, and getting a Letter of Guarantee. 

Despite this, after 2 months and about 8 calls to their customer service, Kia Motors Finance has still not closed my account with them or mailed out a check for the outstanding balance of {$1800.00}. I am also still receiving bills. 

When I speak to customer service, they tell me that they're not sure why the account has not been closed. They have told me that there is normally an audit process that takes up to 30 days, but it has been 30 days as of XX/XX/XXXX. When I ask to speak to an auditor or somebody who can identify the issue, I am told they are " back office '' and can not be contacted. They then offer to email them which I have done and received no response or to send a letter via snail mail.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

I was not given the opportunity to opt out of my personal information being shared with the credit bureaus. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that data furnishers reflects the terms and liability for the account or other relationship : reflects the consumers performance and other conduct with respect to the account or other relationship : and identifies the appropriate consumer. 

Based on the findings in my consumer report NAVY FEDRAL has been reporting inaccurately since XX/XX/2021. NAVY FEDRAL is reporting different payment dates and account opening dates to each credit bureau.

( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living