davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NV)

Was overlooking my credit card statement as I was having trouble paying down my balance and found that predatory card security fee that Synchrony Bank states I clicked on, knowingly that I didn't or would ever agree to that. They were charging me small subliminal " Card Security Fees ''. The operator at the phone number of XXXX told me I clicked on a free 90 day trial that in turn rolls over to a {$1.00} per XXXX $ balance charge on outstanding balance. I asked them how long I was paying for this as I had no idea what was being charged, they stated I was paying them it since XXXX. I continuously pay down my credit cards and never have paid interest and everything is up to date. I unknowingly was charged these monthly fees every month until todays date when I called and told them to refund the fees that I did not agree upon. Every month that there is an open balance, I was charged {$1.00} per {$100.00} outstanding for a service that was never disclosed to agreeance on. I would have clicked no for a fact as a credit card security fee is never necessary upon my stable above average credit score. 

The crazy part to me was that they were willing to refund me {$260.00} of the total {$430.00} that I paid into it. I told them no, this was not acceptable as I want a full refund. The person who I talked to then said they would forward to a resolution team with the same predatory fraud answer and hung up after I told them I want to speak with a supervisor. This call occurred on XX/XX/XXXX @ XXXX PST. 

Dates of charge are from XXXX - XX/XX/XXXX. This company is the scum of the earth and only refund a portion in hopes they keep 40 % and only offer 60 % back to the consumer who had no idea they were paying towards a unknown, not approved fee. Why else would they hold 40 % for themselves and not agree on the entire amount. They state their system shows I approved it. I want tangible proof recording that I did so. Not some automatic system that toggles, " well I show you enrolled ''. NOT TRUE. LIARS AND THIEVES.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CO)

XXXX : Complaint Against PayPal 's Automated Risk Checks** **Dear XXXX XXXX XXXX  XXXX XXXX I am writing to file a complaint against PayPal regarding their automated risk checks, which have caused significant inconvenience and financial loss. 

**Details of the Issue : ** XXXX. **Automated Risk Checks** : PayPal 's system frequently declines my transactions due to automated risk checks, despite my account being in good standing. 
XXXX. **Financial Impact** : These declines force me to use alternative payment providers, resulting in additional fees and wasted money. 
XXXX. **Customer Experience** : The system 's inaccuracies make it difficult to add money to my account, which is essential for my financial management. 

**Attempts to Resolve : ** I have contacted PayPal multiple times to address this issue. Their response indicates that these risk checks are standard and can not be permanently deactivated. They suggested temporary adjustments, but this has not resolved the ongoing problem.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (IN)

I paid of the account completely in XXXX ( approximately XX/XX/XXXX ). On XX/XX/XXXX I noticed the card had a balance on it, and I had not used the card since I paid it off. I then noticed they were charging me XXXX per month on the card. I paid the XXXX and called them that day and asked them to cancel the card. I noticed approximately two days later the account was still not closed, so I called them again. They said " it takes 45 days for the account to close ''. I called them again today XX/XX/year> because now it is showing a balance of XXXX ( they charged an annual fee ) and asked them why this account was not closed? I also told them I want the charges removed, because I had a XXXX balance on the card and I am not paying any fees on a card that I asked to be closed almost a month ago. They lady told me today she could cancel the fees and close the card immediately. ( that is what the first person told me too ). I do not want to have to pay any more on this card and I want the card cancelled.
Consumer complaint received 2023-04-03
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. (PR)

The Credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate? This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A. States 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (AL)

I was talking to a salesman about a vehicle and told him what I wanted the payments to be..later he asked me to send him my pay stubs but I never had a chance to send them. ( I have text messages to prove it ) ..layer he tells me I was approved for a loan ( that I never applied for ) the loan company doesn't have a application on file for me... the dealership advertised a 30 day guarantee but refused to stand behind it after the vehicle needed engine repair after 2 days of receiving it..the loan company promised me that would take care of it only to find out they WILL NOT do anything to help me..they have lied and manipulated the situation.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, 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. (TX)

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 2023-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

To whom this may concern, to the creditors at Pull my credit to inquire inquries on my report. I would like for 7 or more inquiries to be removed from my report based on a decrease in credit score.These creditors have been contacted and notified of matter that is being reported to this bureau. Only a soft pull was instructed, not a hard pull. 

Thank you for resolving this matter, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANCO POPULAR DE PUERTO RICO (PR)

Ask for a bank statement with Banco Popular in Puerto Rico, they asked for XXXX , in junk fees, for giving you the statement in the bank plus another amount per page. Also their maintenace bank fee is XXXX $ and taking money out of another ATM is another {$8.00}
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Inc. (MD)

I contacted Sendwave to send {$1000.00} to my recipient bank account in XXXX on XX/XX/year> and Sendwave debited my XXXX XXXX account for the {$1000.00} but never delivered the equivalent amount promised to the XXXX XXXX  account. 

I have been contacting Sendwave by email, chats and phone calls since XX/XX/XXXX but my {$1000.00} is yet to be refunded back to my XXXX account as its obvious that Sendwave did not transfer the {$1000.00} to my XXXX XXXX  account.
Consumer complaint received 2023-04-14
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. (PR)

Today I started a dispute in Experian online dispute process ( Report XXXX XXXX ). They reported erroneous information in my credit report. According to the FAIR CREDIT ACCT It is supposed to take no less than 30 days to investigate my dispute. To my surprise, according to them on the same day XXXX XXXX they investigated my dispute and did not fix the erroneous information that they reported on my credit report. How can they do an investigation in just a few hours. They violated the Fair credit act by not following due process. Account dispute XXXX XXXX XXXX XXXX Account XXXX. I never paid late!!
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (NY)

I recently applied for a mortgage and was quoted a bad rate. I then learned that ProCollect had sent a {$650.00} charge for a carpet repair on a three-year old lease by my nice ( for which I was a guarantor ) to collection, WITHOUT EVER TELLING ME ABOUT THIS. As a result, I will pay XXXX  of dollars more for my mortgage. I was never advised of the debt and no effort was made to collect it before sending it to collection and reporting it credit bureaus. Today, I paid the debt ( which I don't owe ) because I need to get the mortgage.
Consumer complaint received 2023-03-25
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. (PR)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-03-24
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CT)

Ive contacted the fraud department. I have submitted several police report documents along with the FTC and CFPB. I was told by a supervisor that this account will be updated enclosed in blocked from my credit report, and I have a lifetime ban from receiving any future cards from XXXX, because of the fraud that was committed in my name.
Consumer complaint received 2021-01-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

Several unforeseen circumstances led us to enter mortgage forbearance. During forbearance our mortgage was sold THREE TIMES and we landed with Flagstar Bank. It was not the original bank we chose nor did we agree to the following : Flagstar has been apparently monitoring our home, and subsequently us.

They have left obscure notes at the front door with their phone number. They do this when were gone, meaning someone is watching us.

This is harassment of the HIGHEST order.

When called they say it is their protocol to make sure were taking care of the home.

This is the most stressful disgusting practice and it needs to stop.

They have no right to trespass and harass people whos rights under the cares act remain intact.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

I am a Navy Federal Credit Union ( NFCU ) customer. I am XXXX XXXX XXXX. I was offered to use a new investment service of theirs called XXXX XXXX XXXX XXXX XXXX XXXX I invested {$7500.00} in XXXX of this year. I logged in to went to check on my funds, and to my surprise I had none. No investments at all. Their customer support line is nothing but robo-advertisements. I used their live chat and got nowhere... just texted apologies. 

I contacted NFCU, they could not help as XXXX XXXX is a separate financial body. 

I need to have this rectified, but am at a loss as to what to do, or who to call.
Consumer complaint received 2023-02-08
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. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-16
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

XX/XX/XXXX - I paid for a lease with Hyundai, upfront and in full. The agreement was for me to owe {$0.00} for the life of the lease. The attached contract and receipts show this was paid, including an additional cash amount corresponding to the turn-in fee. 

XX/XX/XXXX - 35 months went by and the lease was nearing the end, so I turned in the vehicle. At this time, the representative confirmed the vehicle was in good condition and the lease terms were completed. So I purchased another vehicle through the dealership. 

XX/XX/XXXX - 9 months after finalizing the lease, I was charged a fee since I didnt purchase a XXXX XXXX turning in the vehicle. Of course this was a mistake since I wasn't informed of the fee when turning in the vehicle and also because I have documents proving this was already paid over 44 months ago. So I started the process to get this corrected. 

XX/XX/XXXX - Hyundai was initially unresponsive, as this occurred during the pandemic. But even though it was difficult to connect with a representative to correct their error, I immediately started getting late payments applied to my credit reports. 

XX/XX/XXXX to XX/XX/XXXX - I continued trying to work with Hyundai to encourage them to abide by the contract. They refused. Then I started working with the credit reporting agencies to have false blemishes removed from my account. They simply asked Hyundai if they were accurate, to which Hyundai confirmed they were, and so no changes were made. All of the credit reporting agencies completely ignored the consumer, the contract, receipts and other documentation, and instead simply took the word of the creditor. As a consumer, all of my rights were taken away. 

XX/XX/XXXX - I ultimately gave up and just decided to pay the erroneous bill in order to have this removed from my credit report. So I paid the fee for a second time! Unfortunately this was never removed from my credit report. My score plummeted XXXX points based on this single, false record. And my hands are tied - there's nothing I can do to prevent Hyundai from keeping these false records on my report and destroying my business. 

PLEASE HELP. AS A CONSUMER, I DID EVERYTHING RIGHT - MADE 3 YEARS OF PAYMENTS UP FRONT, PAID A BOGUS FEE TWICE, TURNED IN THE VEHICLE ON TIME AND IN GREAT CONDITION. I'M A PERFECT CUSTOMER, YET SOMEHOW THEY ARE STILL ALLOWED TO DESTROY MY LIFE!
Consumer complaint received 2023-03-24
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. (PR)

I'm a victim of Identity Theft since 2020 due to the data breach of XXXX. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked Experian to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called XXXX to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (VA)

This is a follow-up to my previous complaint in which I urgently requested the removal of fraudulent accounts and associated information that the XXXX XXXX XXXX have been erroneously reporting on my Credit File. I am aware that, according to the Fair Credit Reporting Act section 605b, the Credit Bureaus are legally obligated to expunge any and all accounts and information resulting from fraudulent activities. I implore you to assist me in promptly eliminating the following items from my Credit File : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. It is imperative to emphasize that these items are entirely unfamiliar to me and should never have been included in my Credit File. If the Credit Reporting Agencies contend that these disputed items legitimately belong to me and that they possess the legal rights to report them on my Credit File, I demand that the Credit Bureaus provide me with copies of the documents they have purportedly discovered to substantiate these claims. In the absence of such documentation, I expect nothing less than the immediate removal of the disputed items.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

My personal information is incorrect, please remove /delete any and all addresses on my credit file except for the one thats on my government issued state id .... attached. All others I never physically resided at. See the Attached