davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-30
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. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NV)

On the XXXX of XXXX, 2024, I deposited a check through mobile deposit to my Chase checking account. I recently changed banks about XXXX months ago and had direct deposits going through with no problem. Recently, my workplace had a technical error, and my paycheck didn't go through direct deposit like usual, so they gave me a paper check instead. Once I received the check, I deposited it into my account using a mobile deposit. Then, I received a notification that my check was on hold until the XXXX of XXXX to verify proof of funds from my employer. I informed my employer what was happening, and I found out on the XXXX of XXXX that the funds had been taken from their account, and I should be seeing it in my account. After looking at my account, I see it still hasn't received the funds. I called Chase Bank, and they told me that if this is the case, I should see the funds available by tonight or, worst-case scenario, by the XXXX. This makes no sense to me, and my check shouldn't have been put on hold since the funds were already available. This process is entirely unethical and inefficient. Should be able to verify funds much quicker than this for the inconvenience this causes. It's absolutely unacceptable, and I'm starting to regret transferring to Chase, as I've NEVER experienced anything like this with XXXX XXXX.
Consumer complaint received 2023-02-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Ok on XX/XX/XXXX I applied for a auto loan from CAPITAL ONE and was approved for financing for around {$42000.00}. Upon getting all my paperwork together I went to XXXX XXXX preowned super center to acquire a XXXX XXXX XXXX XXXX for about {$30000.00} mind you Im already set-up with pre approval so I was only to test drive and finalize my paperwork for sale upon sitting down to do so my credit was RE-ran several times for hard pulls without my knowledge impacting my credit significantly after they came back with separate paperwork saying that I needed to sign it and pay them XXXX dollars to off in the car once I refused saying that cant be possible and that it was illegal for them to try and do so the manager got aggravated and aggressively snatched my belongings and paperwork from my hands and immediately crumpled it and tried to force me out have complete and utter disregard and disrespect for those knowing consumer law I have over 2 hours of recording from our interaction where they blatantly lied and tried to swindle me and doing so I lost so much because of the toll it took on my credit to deal with these thieves
Consumer complaint received 2024-04-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MA)

on Saturday XX/XX/XXXX, I received a phone call from a fraudulent XXXX number, I answered, it was a fake person saying they were PayPal, I hung up immediately, and just from that call they were able to hack into my account and get all my information. They started making charges and I disputed them immediately, and then changed my password each time. This has been going on now since Saturday at XXXX today XX/XX/XXXX they charged 2 charges of XXXX AUD from my account, this is after I changed passwords, got XXXX authenticator apps etc. PayPal is blaming the victim me, they will not do anything to help, they are saying its not their problem and its mine. They are fine on their end. I saw this person added an XXXX passport to my account etc. I have deleted a lot from the account but I am not sure what to do. this money will come out of my checking account and cause me overdrafts. PayPal and their fraudulent practices are not helping and blaming the consumers.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

On XX/XX/24 I opened a new online checking account with Citi Bank. I transferred {$1500.00} to the account on XX/XX/24. A few days later my account was flagged for fraud and I have now been denied access to my funds. 

Since this issue happened I have realized that the Citi bank XXXX XXXX has been sending me letters to the wrong address. They refuse to help me change my address in order to receive my letter with a code in order to unlock my account. 

It is now XX/XX/24 and there is no assistance for me whatsoever. This is a serious emergency as I live check to check.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

This is my second complaint about the same matter. The first was XXXX. Both complaints are/were against Macy's/Citibank. The first complaint was filed on XX/XX/2023. On XX/XX/2023 Macy 's responded in writing admitting fault in a wrritten letter. Macy 's stated that it was totally at fault, apologized, and said it would correct the erroneous negative information with the three credit bureaus. 

I then joined a credit monitoring service through my bank, XXXX. Apparently one of the credit reporting services corrected the negative late pay and charge off information and my credit score improved slightly though the late pays still showed in my XXXX  score. 

After a month of no action by the other two companies I requested new credit reports and confirmed the negative information on two of the three reports. When I call XXXX I was told that not only had they received nothing from Macy 's to correct the negative information that Macy 's had submitted negative information as recently as XX/XX/2023, ten days after their letter admitting fault. 

These actions and erroneous reporting of negative information I have attempted to correct for nearly seven years. The only positive result I have received was when I filed my first complint with this agency, however the problem persists. 

Thanks again for your help. 

XXXX XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bernhardt and Strawser, P.A. (NC)

In XXXX the sheriff deputy contacted this lawyer by email with a settlement amount with response back from them. I then completed the forms so they could not cease any property or money and filed with the XXXX XXXX XXXX. 
Its XXXX and i am still receiving harrassing letters from this lawyer.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid XXXX XXXX XXXXXXXX on XX/XX/XXXX for a home filtration system I never received the system. I couldnt get response from vender.so I called to dispute the charges on XX/XX/XXXX. Capital 1 gave me a dispute credit of the XXXX on XX/XX/XXXX. I provided all information and was told if they needed something they emailI heard nothing. On XX/XX/XXXX Capital reversed the XXXX dollars causing my account to go XXXX and XXXX XXXX bounce. I was never notified of dispute denied. I called immediately on Monday XX/XX/XXXX and talked on a recorded line to a gentleman whom told me hed reopen the dispute and assured me theyd redeposit the money in XXXX days. I called back on Thursday XX/XX/XXXX and was told the gentleman was mistaken no refund was happening. My XXXX XXXX thus bounced. They told me Id get proof of reason for decision on XXXX business days. Now the major confusion and what I believe hiding of their mistake and breaking of the law. I called Tuesday XX/XX/XXXX and was told to call back Thursday XX/XX/XXXX. I did they said it could take rest of the day call back XX/XX/XXXX. I did. I was then told it was emailed to me on Tuesday XX/XX/XXXX. I have received no emails from them since XX/XX/XXXX. I have received no hard copy mail or phone calls. They now said on Friday XX/XX/XXXX that they resend to email Id get in XXXX days. I requested hard copies to be sent to my address with poof of delivery. They said itd be XXXX business days. Its been XXXX weeks Ive been asking for proof of reversal. They say oh its the other part and they cant talk to customers well re request. I want to see what vender sent them. They with provide. 
Thank you XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (GA)

I am writing to formally request the cessation of reporting a late payment on my credit report. The late payment is associated with XXXX XXXX XXXX XXXX XXXX XXXX, an account I no longer have with the company, and I believe it is necessary to address the impact it has on my credit history, especially considering the challenges faced by everyone during and after the pandemic. 

To provide context, I want to emphasize that the late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain responsible financial habits. Unfortunately, the lingering presence of this late payment has had a lasting impact on my creditworthiness and financial opportunities. 

Furthermore, the circumstances surrounding the pandemic have posed significant challenges for individuals across the country and around the world. The economic repercussions and financial hardships experienced by many during this period have been unprecedented. In light of these challenges, it is crucial for credit reporting agencies to exercise flexibility and understanding regarding negative entries on credit reports, especially those stemming from years ago. 

Considering the aforementioned points, I kindly request your assistance in ceasing the reporting of this late payment on my credit report. I no longer have an account with the company associated with the late payment, and its continued presence on my credit report creates an unfair representation of my current financial status and efforts to rebuild. 

I kindly ask that you review this matter with consideration for the hardships faced by individuals during and after the pandemic, and the impact it has had on their financial well-being. I believe it is essential to provide individuals with the opportunity to recover from such setbacks and regain financial stability without being hindered by dated negative entries on their credit reports. 

I kindly request that you provide me with a written confirmation once the necessary actions have been taken to cease reporting this late payment. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this issue and ensuring the accuracy of my credit profile. 

Thank you for your understanding and consideration.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

This complaint to WELLS FARGO BANK for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Paypal has created backdoor access into customer funds. 
Paypal created secret " billing agreements '' that allowed a merchant to withdraw on my paypal funds without my authorization. They call it " automated payments. '' Anyday & anytime after a one & done transaction a merchant can submit an invoice of any amount to paypal to be paid with my funds. 
In XX/XX/XXXX, I went to a website and made a one-time purchase via Paypal for a year of streaming services. Then, I downloaded their official app and put down my debit card as my method of payment. Not Paypal. In XX/XX/XXXX I tried to end subscription before renewal date shown on my account. ( Renewal date on account was incorrect for unknown reasons ). The merchant submitted to Paypal a bill for a new year of service at a 37 % markup. Paypal deducted full amount from my wallet on XX/XX/XXXX. I called merchant for refund & cancellation. Merchant refused both. I submitted complaint to Paypal. In about15 minutes, Paypal claimed I had authorized payment & sided with merchant. I filed appeal with Paypal. I canceled unwanted merchant streaming service myself but it showed good thru XX/XX/XXXX. Paypal sent me link showing active billing agreement with merchant. It also showed 8 other such agreements with other merchants. Merchants like a one-time purchase of cleaning supplies, round trip train ticket, donation to a social cause, etc. One merchant even showed on the invoice that it was " one-time '' purchase but Paypal still created a backdoor agreement. 
At XXXX XXXX  on XX/XX/XXXX, I called the merchant again & received a full refund and immediate cancelation of service. Paypal also reversed decision and sided with me. By XXXX on XX/XX/XXXX, my money was back in my Paypal wallet. 

I never made an agreement with those merchants for continued access to my Paypal wallet.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC (UT)

I have an account with eToro for XXXX that is losing value and decided to sell and withdraw the money. 

I attempted to withdraw funds via using my XXXX XXXX XXXXXXXX checking account, however, I could not add my banking information. eToro 's platform indicated that the routing number is not accurate. 

I tried a different checking account from XXXX and that one also encountered the same issue. 

I can not get a hold of a live customer service or support person. I opened a ticket and nobody has responded. I tried to use chat and it says nobody is available and got a bot to chat with without resolving my issue. 

eToro made it easy to deposit money but withdrawing is rather a hustle.
Consumer complaint received 2023-02-11
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. (NY)

XXXX XXXX Reported : XXXX XXXX, 2020 {$0.00} Closed + In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CENTRAL BANCOMPANY, INC (TN)

I contacted Central Bank about the PMI on my mortgage back in XXXX of XXXX because the value of my home had increased by at least {$200000.00}, even at that time, whereas my loan balance only needed to decrease by {$11000.00} to remove the PMI based on the original purchase price of the home, i.e. at that time, my loan balance was at 82.31 % of the original purchase price of {$500000.00}, and I would need to either pay down XXXX to get to 80 % LTV based on the original purchase price, or pay {$500.00} for a new appraisal, despite the fact that houses by the same builder, with similar square footage in my same subdivision/on my street were selling for XXXX, meaning meaning that my true LTV was actually more like 50-60 %. Well, paying {$500.00} for a new appraisal was not much less than just paying the $ 79/month PMI until XXXX of XXXX when I would hit the 80 % LTV mark naturally. 

Here 's where my actual complaint comes in. Despite having hit that 80 % LTV in XX/XX/XXXX, Central Bank has continued charging the $ XXXX/month PMI fee, and has now refused to refund the fees from the 9 months that it was collected unnecessarily. This seems to me to be an abusive practice to charge for something after it has become unnecessary, and then to give the client no recourse/remuneration when their abuse has been discovered is appalling.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Affirm Holdings, Inc (OH)

Affirm has yet to fix their issues when it comes to applying for hardships. Everything still times out. Were now in XXXX and theyre still having issues and have yet to rectify anything. 
On top of this I get an insane amount of phone calls everyday from Affirm about past due loans that they know I am facing a financial hardship and can not pay right now.

I was deceived into trying to apply for hardship by several employees and when I brought up the time out issues it took them over 2-3 weeks to tell me I dont qualify even though I was never able to get an application through.

And as of 6 weeks ago people were getting triple and quadruple charged on their accounts, thankfully I removed my banking information before this happened because this would have been absolutely detrimental to my family.

Ive had over 30 phone calls from spoofed numbers from Affirm in the last week or so.
Consumer complaint received 2023-05-10
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (NJ)

i was approved for a loan modification i made the XXXX trial payments they asked me to the sign the agreement and then said i couldn't sign because my mom passed away i told them back in XXXX  that my mom passed and i would take over the mortgage but how can they allow a modification and my payments if they cant complete the final agreement with me they breached the contract and i want them held responsible i will not lose my house the mortgage company is PHH Mortgage
Consumer complaint received 2023-05-09
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. (TX)

The credit reporting agencies are reporting an account that is not mine. I sent letters to the collection agency asking them to verify that this account is mine in which they have failed to do so. As stated in the letter sent to the collection agency XXXX  XXXX XXXX the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? The original creditor XXXX XXXX wrote off an account, but it was not for this amount and I am tired of this incorrect reporting. This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped. Please remove the account XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Winklevoss Exchange LLC (AZ)

I have attempted to make multiple payments on a recently opened credit card with Gemini/XXXX  and according to my bank XXXX XXXX XXXX they never received the ach withdraw requests. I have double checked bank account information and verified I can withdraw and deposit to another product Gemini/XXXX  offers. There appears to be an error in their system as I still can not make a payment to any balance owed resulting in endless late fees and bad marks on the tradeline. I have recently reached out to the company for resolution and they refunded the late fees however the system still won't allow a payment to be made and they are continuing to report negative marks on the tradeline.