davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DC)

Paypal has demonstrated a pattern of transacting from my account without authorization. The latest problem involves a checking account with XXXX XXXX XXXX XXXX that is currently the subject of a complaint with the CFPB. Despite the fact that I removed that checking account as a payment source from my XXXX account, and added a different payment method, PayPal decided to transact from the checking account. Yesterday, I filed a dispute with them to stop the transaction and use a different payment method. That was before they sent the money from my XXXX XXXX Account. They refused, saying the " transaction was not unauthorized ''. Today, I called and spoke with two managers, and both of them refused to stop the transaction. Although I have told them that I did not and do not authorize the transaction, they insist that they know my intention better than I do, and they are substituting their intention and their will to conduct monetary transactions from accounts that belong to me. 

They claim that I have a billing agreement with XXXX, so therefore, they can transact from that account without further input from me. I told them that I updated my agreement with XXXX to change the payment source. Furthermore, their point is moot for the reason that I have stated my intention clearly that this is not a transaction I approve. 

This is not the first time. On XX/XX/2019, PayPal sent {$15.00} to XXXX from my PayPal account, even though I had purchased nothing from XXXX. This was actually the second instance of them sending money from my account to XXXX without authorization. The first time, I filed a dispute with PayPal and they refunded my money after " investigating ''. Nevertheless, they disregarded what they learned during their " investigation '' - that I have purchased nothing from XXXX for {$15.00}. They " denied '' the dispute that I filed, and only refunded my money when I called, and threatened to escalate the matter if they don't stop taking money from my account without authorization. Given the nature of my dispute with XXXX XXXX XXXX XXXX, it is not unreasonable to suspect that PayPal 's actions are not innocent mistakes.
Consumer complaint received 2022-09-13
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. (MD)

On XX/XX/2022, I sent a dispute letter via certified mail to Equifax, XXXX and XXXX asking to have all Billing Errors removed under 15 U.S Code 1666b and 15 U.S code 1681b. These errors are currently causing me hardship. 

The companies are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ZWICKER & ASSOCIATES (CA)

My XXXX XXXX account XXXX was in good standing for over 20 years. I was then put on a covid plan. Without notice i was thrown into collections. This is not correct and is ruining my credit. 
The account was given to Zwicker law. They reported this while in dispute and in Covid. 

They violated my rights under the FCRA..
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (MO)

I have been calling ( XXXX ) XXXX to receive my XXXX XXXX Card for Unemployment benefits ( Missouri MO Access Card ) being deposited. I get hung up on after waiting at least 1 hour EVERY TIME. Its is IMPOSSIBLE to get thru. PLEASE HELP ME. I DESPERATLY NEED MY FUNDS. The website mo-access.com does not have a way to put in your SSN.Only thru putting in the card number which is impossible if you don't have the card. Please Help.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have used my Capital One credit card for years. My last full check shows I have a balance for purchases. I also noticed there is a field for cash advances, and this shows over {$2000.00} for XXXX XXXX. 
About XX/XX/XXXX I withdrew a cash advance of {$500.00}. I have not used or tried any more cash advances since. I do not dispute I needed to pay the money back, including interest. 
I also was aware of a higher interest rate and that increases daily. I am not disputing the interest percentage. 
I have used my card to make regular purchases and have always made payments that exceed the minimum. I have even made extra payments in between cycles. Since no money was due when I did this I expected they apply the extra payments to the principle. 
I understand that banks are supposed to apply payments to the account with higher interest rates first. Cash advances are subject to a higher rate and re compounded daily. 
I contacted XXXX XXXX on XX/XX/XXXX and asked the first person why it said I owe over XXXX for the advance of {$500.00} in XXXX. I was not able, or did take any more advances, and the ability to do any more was blocked at {$500.00}. 
Each person in customer service said something didn't seem right and put me on a long hold. It was told that the account should have been paid off first due to it's higher interest rate and daily accrual. This was not done. I was then transferred to a second person after another long hold. That person also said something wasn't right. More long hold and transferred to a 3rd person. I asked her why the higher charge account wasn't paid first. She said both interest rates were the SAME so they basically applied all payments to the main account, and none to the advance account. 
how I could pay back the advance first while still making extra payments to account. 
She again said since the rates were same for both types, they didn't have to apply payments to the advance account. I asked her what I could do to resolve this issue since I was being charged {$50.00} a month in interest for the {$500.00} charge. She said I had to pay the ENTIRE amount for both which is over {$4000.00}. I could agree with them if I was behind on this payments but I always paid more than was due on every payment. 
They said ( the fine print ) said they can continue to charge all those fees. They offered NO settlement or second consideration. Paying extra to the account for 3 years and it went from {$500.00} to $ XXXX doesn't seem right
Consumer complaint received 2023-03-16
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)

This is my NUMEROUS 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 Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-16
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. (TN)

Equifax is reporting incorrectly ( 60 ) days late with a balance due on the XXXX & XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) This account is paid timely and has never been late. I contacted XXXX & XXXX XXXX for an accounting of payments and they could not provide any documentation to me to prove there were any late payments. This incorrect reporting is harming my credit score and these late payments need to be deleted from my credit report.
Consumer complaint received 2019-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/XXXX, I used PayPal to make a purchase to a vendor for the amount of {$74.00}. My account is set up to use my PayPal balance first, then my primary checking account with XXXX XXXX XXXX. Additionally, there was a defunct checking account with XXXX  XXXX XXXX  XXXX XXXX XXXX still linked to the PayPal that I had unsuccessfully tried deleting multiple times over the past year and it is explicitly NOT a default payment account. However, my primary bank account at the time apparently did not have adequate funding ( resulting in an initial {$30.00} over draft free with XXXX XXXX XXXX ) and it appeared the transaction was still processed. However, PayPal then charged the defunct XXXX  account at which point I called both PayPal and XXXX to attempt to get this sorted out as this was not an account that was in use. The XXXX account incurred an overdraft fee on XX/XX/XXXX ( attached image included ) and yet another one on XX/XX/XXXX for the exact same transaction. I had already notified PayPal of this error and notified the credit union, but both sides allowed the overdraft to continue and I was charged another {$28.00} on XX/XX/XXXX. All of my attempts to get this sorted through calling and email have been met with total unhelpfulness from either company. Neither party claimed they could do anything, but PayPal then provided a letter admitting their error but said the credit union would be responsible for voiding the fees. However, the credit unions representatives denied this and claimed it was PayPals responsibility. Since then Ive made multiple calls to each institution trying to resolve this to no avail ; PayPal hides behind overseas call centers with supposed supervisors claiming everything is automatic and theyre not responsible despite bringing this issue to their attention before the transactions should have even proceeded. I want this resolved immediately with a representative with the authority to do something that isnt in an overseas call center with no accountability.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XX/XX/2018 I received a letter and XXXX   credit card from Capital One, A CARD THAT I DID NOT REQUEST. It should be noted that the credit card had an absurdly high APR of 24.24 % and a {$95.00} annual fee. I immediately called and attempted to cancel the credit card, but the customer representative demanded a lot of personal information to cancel the card, such as date of birth, Social Security Number, home address and phone number. I refused to provide this information for a card that I did not request and the customer representative refused to cancel the card. I was then transferred to a Fraud Prevention specialist who refused to tell me why the card was sent to me or how or why the card was ordered. After a heated discussion I was told I had " no choice '' but to provide my personal information, which I did, since I had no other choice. I vehemently object to providing my personal information to a company, just to get them to cancel a credit card that I did not request.
Consumer complaint received 2021-06-15
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. (NJ)

On XX/XX/XXXX, XXXX issued a credit card to a thief in Florida. I live in NJ, never live in FL. After I called XXXX, I faxed a file and sent 2 mails to dispute it. the documents included NJ driver license, home equity loan bill with NJ property address, and my NJ utility bill to prove that I never live in FL. XXXX did not have any response. I hired a lawyer to send similar document to TransUnion & XXXX in XX/XX/XXXX and XX/XX/XXXX. These 2 companies completed investigation without any change. XXXX  even did not remove all of FL addresses generated by thief. Even credit unions ' report along shows 3 evidences that XXXX and the 2 report companies did poor job. 
1. Credit report shows 2 reports from XXXX for the same fraud account. One report shows every payment is OK. The other one shows 4 late payments. Two reports show opposite results. 
2. The account had more than {$3000.00} balance in XX/XX/XXXX. I don't think that the thief would pay the balance. The balance is XXXX since XX/XX/XXXX. XXXX was cheating on this balance. 
XXXX. XXXX 's report made credit union companies believe that I paid off the balance, so that the fraud account belongs to me.
Consumer complaint received 2022-10-15
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)

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$35000.00}
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I refinanced my loan within the past 2 months and have been giving a new loan servicer called Specialized Loan Servicing. While becoming familiar with their website I clicked a button for " payoff quote '' and and then " continue '' and was assessed a {$25.00} fee without any warning or prompt that I would be assessed a fee. There is nothing on the website that says this fee will be assessed. I did not need a pay off quote, but was merely exploring the website. I called for help at SLS and spoke to a person who said she would not waive the fee and then kept me on hold for over 30+ minutes I attached the screen that is displayed when " Payoff Quote '' is clicked. 

The servicer is called : Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX XXXX Monday through Friday, XXXX XXXX until XXXX XXXX. MT,
Consumer complaint received 2023-02-10
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. (GA)

My name is XXXX 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 2021-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

My checking account was charged XXXX $ for a transaction I did not authorize and the bank claims its listed as a preauthorized debit transaction but theres no merchant information listed for the account. This charge was clearly fraudulent. My bank account is supposed to have alerts notifying me of strange charges so I can approve or deny and I did not receive any of such notice. I am furious because my account is now negative due to pending transactions and this transaction was never listed as pending. The bank states I will have a claim submitted and they closed my debit card so all my transactions will be denied which puts my bills behind, and I may be issued a credit for the money back pending a review which will take up to 8 business days. Im a single mom with a XXXX  year old in school I can not afford to wait 8 days for a maybe decision on money I never authorized to be removed by a fraudulent company!!!
Consumer complaint received 2022-10-15
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. (CA)

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$35000.00}
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following negative items on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX ( ACTIVATED RESV ) - This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report. 

As per the FCRA, it is the responsibility of the credit reporting agency to ensure the accuracy of information on my credit report. I have no record of the accounts listed above and believe that they do not belong to me. Therefore, I am requesting that you remove this inaccurate information from my credit report as soon as possible, in compliance with the FCRA. 

I also request that you provide me with a free copy of my credit report, as allowed by the FCRA, once the inaccurate information has been removed. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2019-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Keep saying i dont live at property called HUD XXXX said have to be there majority of time so i only travel out 2 days and go back home 5 days, my mother says with me and only alone 2 days all my furniture, appliacnes etc there so why is denying?! Sent dispute and faxed and no response like always and already talked to HUD and i qualify! Listed house since i have equity so selling now per there letter! says wont foreclose but bank lies!
Consumer complaint received 2015-05-28
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Sokaogon Finance, Inc. (AL)

Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX
Consumer complaint received 2022-08-17
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: HYUNDAI CAPITAL AMERICA (GA)

From XXXX XXXX to XXXX XXXX, 2022, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.