davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
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. (HI)

I had not used my XXXX credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had zeroed. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that XXXX had reported that I made a late payment so my application was declined. 
Multiple attempts with XXXX to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.
Consumer complaint received 2020-02-18
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. (HI)

I had not used my XXXX credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had zeroed. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that XXXX had reported that I made a late payment so my application was declined. 
Multiple attempts with XXXX to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

PayPal closed my account for no reason, and will not help me with getting it back up and going. 

I am not sure if this is some mistake as I assume it has to be. 

I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gordon, Aylworth & Tami, P.C. (OR)

XX/XX/2020 I received a letter, from Gordon Aylworth & Tami P.C saying I owed XXXX XXXX  XXXX. I calleXXXX XXXX XXXX to verify any accounts with them because I have not worked with XXXX XXXX for any accts, loans, cards etc whatsoever. The letter wasn't certified so it was a red flag. I called XXXX XXXX  customer care line and they transferred me to the fraud department, there was no accts, listed so he transferred me to the collections department to see if there was any collection accounts in my name. Nothing came up. He then asked me who was the collection agency that sent the letter, I told him and the XXXX XXXX personnel said that Gordon, Aylworth and Tami PC are not even an agency they work with to collect debt. I also requested my credit report from all credit bureaus and nothing under XXXX XXXX OR Gordon is comes up.
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Auto Trakk, LLC (NC)

I had a lease with auto trakk llc and my car got totaled out. Auto trakk llc told my insurance that i owed a balance of XXXX dollars and some change, but on my credit report it was reporting something different, even the lease supposed to be for 48 months but it was reported 56 Months this has been reporting like this since i had the car.
Consumer complaint received 2021-08-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

I was looking at refinancing my existing loan with the same company. This started at the beginning of XX/XX/XXXX. When it got to the closing disclosures to sign myself and my spouse looked over the documents prior to signing and the numbers looked off and we tried to ask them but they did not explain it well and went in circles making it more confusing. Because of that we chose to take the closing disclosure to two other people who process mortgage loans and they both explained it easily to us and that the numbers did not match the interest rate they were providing. After that we chose not to go through the refinance with the existing company. I politely told the loan officer that we were no longer interested and they sent another email to get us to sign the documents. I again responded that we were not interested in refinancing. They responded that they didn't understand why and tried to explain their numbers again which I replied we were no longer interested and to cease communication regarding it and that any further communication regarding the refinancewould be considered harassment. We then got a call from them to schedule time to go over and sign the closing disclosure to which I responded that it was already stated we were no longer interested and it was now harassment. We got another call from the same person to go over the closing disclosure and I responded again that it was harassment and that we had already requested the loan be declined. On Tuesday XX/XX/XXXX we received a copy of the closing disclosure to sign and return that was dated XX/XX/XXXX after we had told them to decline the loan.
Consumer complaint received 2020-02-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Hello. 

I made a deposit to my account at a Wells Fargo atm machine located at XXXX XXXX XXXX on XX/XX/XXXX at XXXX. The atm was XXXX. I initially wanted to deposit over {$500.00} but since the atm only took up to XXXX bills at a time I had bills spit back out to me. I still was within my limit so I put more money back in to complete the deposit and the machine jammed on me. I took 5-10 minutes of me sitting there for the machine to say that it was experiencing a jam and unable to deposit my money. I was told to enter the amount that had already been deposited and they will credit my account. I then received a receipt after I entered the amount of {$400.00} saying that i was credited XXXX cents. The receipt reads We are already working to credit your deposit. Here is what you need to know : You so not need to take any further action. We have credited XXXX as a placeholder. We will fully credit your account within 2 business days. I still have this receipt and I wanted 2 days. I still wasnt credited the amount which I needed for rent. I called the customer service line and they put in a claim. When I called the claim specialist the next businesss day I was told that If i hadnt called nothing wouldve been fixed and checked for me. That was very sketchy and ridiculous to me. She then said that it would take up to 10 businesss days to be resolved. Ive contacted claims multiple times with no valuable update but to wait. Finally on the 10th day which was the 16th I received a claim letter that it was denied. When I called a claim specialist they said they didnt find me depositing anything. When I asked if they checked the cameras because I was there for over 20 minutes they said I would have had to been waving the money to the camera. At 10 at night?? Waving the money in a suspicious area I couldve been robbed easily. This woman name was XXXX. I had to send me to a manager above and she couldnt reach them. I also had them send me to the executive office and still nothing. At this point this is insane to me and I didnt even think this type of thing could happen. Wells Fargo stole my money and Ive been a customer with them since XXXX with no fraud on my account and no reason to lie about this situation. After submitting this report I have already talked to my lawyer and prepared to take more steps to get this situation resolved.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

Equifax has failed to provide me access to my information after verifying it with them repeatedly. They have locked me out of my online account without recourse, before I even completed registration. They claim to be " investigating it ''. I offered to verify any information they needed. They declined, citing a further need to " investigate ''. This is an unreasonable burden on consumers who want fair access to their credit reporting and scores.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC (MD)

On XX/XX/XXXX a technician cam to my home to complete my XXXX one gb internet service order. Once he connect the internet he was not able to get the gb speed connection. It was only 200 mb speed. He contacted his office and tried a lot to get the speed. He was at my home almost for an hour but was not able to fix the problem. He told me to contact XXXX on Monday, XXXX of XXXX in working hours. When Monday comes I called XXXX and they sent the same technician. Again, was not able to fix the problem. The same day after he left I called XXXX and asked them to cancel my order immediately. On XX/XX/XXXX, they sent me this email this email asking to stay with them. 


" XXXX, stay with Fios and you could save XXXX XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Stay with Fios and enjoy this special offer. 
Your personalized bundle is just Continue with Fios and you could save money. 
Its not too late to keep enjoying the benefits of our 100 % fiber-optic network. Weve received your request to disconnect your Fios service and wanted to extend a special offer to you. 
To learn more about this offer, visit us online or call XXXX before your disconnect order completes. 
We look forward to hearing from you. '' They told me they cancelled it right away. They ask me to return the equipment which I returned. Here is the confirmation email from XXXX about the equipment return. 

" XXXX Notification XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Hi Valued XXXX Customer, Your equipment was received and processed on XX/XX/XXXX. There is nothing additional for you to do. 

We look forward to working with you in the future. '' The same day I contacted XXXX and ordered a service which I am still using. After a while XXXX sent me a bill. I called them and explained the situation that I never received a service from them. Then they said they will adjust my account to XXXX balance. 
On XX/XX/XXXX I received a letter from debt collector that I owe them {$40.00}. Then I called XXXX to talk about this bill. When I called XXXX number and put my account information, the call is transfer to the collection agency. I was not able to access XXXX anymore. 
I am filling this complain because XXXX is sending a bill for the service they never provided and also send my account to collection agency who intimidating me and create a fear on my financial history.
Consumer complaint received 2017-11-10
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. (TX)

The following is on my EQUIFAX credit report 2 times and are exact duplicates. I have disputed with EQUIFAX and the results of their research is that they are both valid. Why should the exact same mark be listed twice with the same exact account #, company, dates and dollar amounts be listed twice? I previously disputed the original mark and at the end of the first investigation, they found it valid and then reported it twice. My credit score has gone down even lower as a result of it looking like 2 bad marks when it should only be one. 
Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX MN XXXX Phone : ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX ; Amount {$310.00}
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

On Monday XXXX XXXX XXXX I made XXXX Transaction of XXXX and XXXX which were taken out my account. then the next I transferred XXXX to my personal account then I paid my credit card via debit card for XXXX. So the bank decided to hold all of my first transaction till the largest one went thru, then they proceeded to allow them to go thru so the can get the fees. this has happened many times in the past and they have stated to me that they feel the largest one is the priority
Consumer complaint received 2022-09-26
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. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2017-11-09
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. (NJ)

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Account must be deleted from the report as soon as possible : DSNB/MACYS ACCT # XXXX Bank XXXX XXXX ACCT XXXX XXXX Capital XXXX bank USA NA ACCT # XXXX DEPT OF HEALTH AND HUMAN SVC HRSA ACCT # XXXX DSNB/MACYS ACCT # XXXX ENHANCED RECOVERY COMPANY ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Consumer complaint received 2021-11-17
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: Santander Consumer USA Holdings Inc. (PA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

On Thursday XX/XX/XXXX I purchased 2 tickets to an event from a 3rd party who was selling tickets. I used XXXX through my Chase bank account to make the transaction for {$980.00} to any XXXX XXXX who supplied me with a driver 's license and a XXXX account under his name. After one day of silence and no correspondence I came to the realization I was being scammed. After calling my bank and reporting the fraud. Chase customer service and fraud Dept. Did not even try to help me recoupy funds. To have a service available from a bank and not have any type of protection from such things is a big disappointment. Further more not even trying to help someone that has been a chase customer for over 10 yrs is what disappoints me the most. XXXX should not be an option for true banking customers if there isn't anyway to protect it's customers from predatory scams and fraudulent behavior. Truly disappointed in Chase and it's customer to help rectify this situation.
Consumer complaint received 2017-11-09
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. (NJ)

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX THD/CBNA Acct # XXXX XXXX CARD Acct # XXXX XXXX BANK XXXX # XXXX XXXX BANK NA Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Consumer complaint received 2021-08-24
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. (MI)

XXXX XXXX ASKED BUREAUS TO NOT REPORT DATA FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. BUREAUS NEED TO FOLLOW REQUESTS AND DELETE. THIS IS NOW PAST DUE.