davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX, I need to transfer my money from my PayPal balance to my XXXX  debit card to pay for my XXXX tuition ( XXXX XXXX XXXX XXXX ). But PayPal set limitations on my account, so I can not transfer money to the debit card. I call PayPal ( China ), and they let me wait and try next week. After a week, I try to transfer my money, but their system still set limitations, I can only withdraw $ XXXX from PayPal balance to my XXXX debit card. But my tuition fee is over {$14000.00}. ( The evidence of the call is in XXXX ) On XX/XX/XXXX ( XXXX EDT ) I call PayPal American help center ( I use my phone number XXXX ) to find a way to solve this problem. They suggest I create a USA PayPal account and transfer money from my Chinese PayPal account to my USA PayPal account, and then the limitation problem would be solved and they told me the fees would be XXXX %. They suggest I transfer my money to a PayPal US account. Under their suggestion, I create a USA PayPal account ( XXXX EDT ) add my debit card to PayPal  ( XXXX EDT ) and transfer {$22000.00} from my Chinese account to my U.S. PayPal account ( XXXX EDT ), however, they charged me a {$1000.00} fee, because their system identifies my action as a payment. Their system didnt show me a {$1000.00} fee in the entire process, or I will stop the transaction. ( The evidence of the call is in XXXX, the email evidence is in XXXX, XXXX, XXXX ) This transfer fee is {$1000.00} fee ( 4.39 % ) because the PayPal system thought this is a payment and I'm selling goods from China to the USA. And my American PayPal account had also been frozen by PayPal. 

On XX/XX/XXXX, ( XXXX EDT ), I report this error to PayPal America ( I use my phone number XXXX call them ), their agent recorded my case and promise me that Ill get back all the money and including my fees ( {$1000.00} ), but my account is on hold, and they should restore my account, then when I click the refund button, I can get all my money back to my account including my fees. ( The evidence of the call is in XXXX and XXXX ) After two weeks wait, my account is still on hold, so on XX/XX/XXXX I call PayPal American againI use my phone number XXXX call them, and make a video record when I calling PayPal American, they also promise if I follow their instruction and refund the money, I will get all my money back. On XX/XX/XXXX the hold on my account is moved. But PayPal refuses to cancel the transaction, refuse to refund all my money, they said the fee ( {$1000.00} ) is already charged, they can not refund the fee. They can only compensate me {$100.00} credit to my PayPal account. ( The most important evidence is in XXXX )
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pinnacle Capital Funding Corporation (MD)

XX/XX/19 I was called by a collection agency ( PinnacleXXXX XXXXl ) saying i owed {$3000.00} for a debt from an old account from XXXX ( now XXXX XXXX ) XXXX. They said if i paid that day they would reduce debt to {$1000.00}. So i paid it. I did have a XXXX account years ago so that is why i thought it was legit. However, today I got another called from a different collection agency about a debt from XXXX for {$380.00}. So i called the original company ( PinnacleXXXX XXXX ) who called me and the # goes to a voicemail but i am unable to leave a msg. The name on the recording is XXXX from XXXX XXXX. I emailed the last address i had and it came back as undeliverable. 

The company is called XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX . XXXX but the email address says its Pinnacle Financial. I XXXX  this address and it says its a XXXX store. 

The company said if i didnt pay the {$1000.00} that day that they would defer to a lawyer and there would be a lawsuit. I asked why I did not receive anything in the mail and if it they could send me something in writing but said if it wasnt taken care of that day i would get sued. Im fairly certain i got scammed. 

XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, ACCOUNT NAME-XXXX XXXX  ACCOUNT # - XXXX BALANCE- {$3000.00} This account has not been properly verified, Please delete this account immediately.
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC (MS)

on XX/XX/2021, i sent MIRAMED REVENUE GROUP letters regarding a alleged balance of {$120.00} and {$310.00} that i do not owe.I never had any dealing with the company or never will.so this inaccurate information is ruining my credit and needs to be deleted soon.i am stressing out and getting very depress because of it.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The credit reporting agencies Transunion, XXXX and XXXX is reporting a bankruptcy to my report after it clearly states and are governed by law that The United States of Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit file. Please remove the following from your records. Furnishing of this information violates The Fair Credit Reporting Act and my consumer rights to privacy.
Consumer complaint received 2023-07-31
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. (GA)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the Accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
XXXX XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX  Balance : {$2400.00}
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

on XX/XX/2021, I sent Equifax and XXXX  letters regarding inaccurate and incomplete information that they are reporting on my credit report and has not given me any documentation concerning these negative tradelines. I have attached copies below of the letters that i have sent to the collection agencies as well. no one responded and it should be deleted.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ADP Inc. (NC)

ADP, on XX/XX/XXXX released bank funds where there was a stop order, cancellation, and refund to be issued. The cancellation took place XX/XX/2023. The funds were released on XX/XX/2023. XXXX released an informative statement addressing the cancellation, complete refund, and accountability status on XXXX 2023. The funds released never should have taken place and they're taking their time about my {$230.00} something refund.
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AR)

I was making my payments on time. Covid hit my family in XXXX of 2020. I contacted the company and they said covid relief was available. I made payments in XXXX XXXX XXXX. Now they wont let me make the payments I missed. Raising my interest to 9.5 percent and extend my loan to 40 years. They will not take my payments and wont let me make my missed payments. Specialized Loan Servicing.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was made to cancel my Capital One credit card because when I got a new phone and forgot my password, they refused to allow me to reset my password so I could sign in online. I gave them my name, birthday, address, where I was born, my mothers maiden name, and they still refused to help. After that, I received {$380.00} as a refund to the card, and they are refusing to send the check to my PO box ! All they are doing is keeping it as long as possible to receive interest. I was on the phone with them for over an hour, and they told me that they will send the check to the street address I signed up with. 
This is the worst credit card company! Do not sign up with them! They charge close to 25 % interest! My new card which is XXXX, only charges me 12 %!!!! The Capital One customer service is horrible, and they do not try to help in any way. I'll be happy if they file for bankruptcy!!!
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (TX)

I spoke with the collection company and they said If I paid the amount in full they were going to send me a deletion letter. After making the full payment, they sent me a paid in full letter, but not a deletion letter. I called a few times and spoke with XXXX, and he couldn't get any of his managers to send me the deletion letter.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, ACCOUNT NAME-XXXX XXXX  ACCOUNT # - XXXX**** BALANCE- {$3000.00} This account has not been properly verified, Please delete this account immediately.
Consumer complaint received 2018-05-14
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. (NY)

I AM A VICTIM OF IDENTITY THEFT WITH AN IDENTITY THEFT POLICE REPORT AS THERE IS ITEMS AND INQUIRIES AND LATES ON MY CREDIT REPORT THAT I HAVE TOLD AND FORWARDED ALL ITEMS THAT ARE FRAUD AND LATES TO XXXX, EXPERIAN AND XXXX  ALONG WITH FRAUDULENT CIRCLED ITEMS WITH POLICE REPORT, WITH MY IDENTIFICATION GOVT ID, WITH THE SECTION 605B OF THE FCRA, AND THESE CREDIT BUREAUS LISTED ABOVE REFUSE TO REMOVE THESE FRAUDULENT ITEMS, INQUIRIES, ANDB THE LATENESSES CAUSED BY THESE FRAUDULENT ACCOUNTS FROM MY REPORTS, IVE SENT THESE TO THE 3 BUREAUS NUMEROUS TIMES CERTIFIED WITH RETURNED RECIEPTS. I HAVE ALL THESE RECIEPTS I AM GOING TO THE ATTORNEY GENERAL AS WELL WITH MY COMPLAINTS.I WANT ALL ITEMS I CIRCLED, HIGHLIGHTED ON MY REPORTS REMOVED IMMEDIATELY AS THEY ARE A DIRECT CAUSE OF THE IDENTITY THEFT, THEY ARE HURTING ME FROM OBTAINING CREDIT AS WELL AS I WILL GET AN ATTORNEY AND BRING A LAWSUIT IF THEY ARE NOT REMOVED IMMEDIATELY..
Consumer complaint received 2021-09-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OR)

On XX/XX/XXXX, My bank ( Key Bank ) recently charged me fees ( {$15.00} on 4 occasions totaling {$60.00} ) associated with excessive transfers/withdraws from my savings account. When I reached out to them to see if there was any way they could be revrsed since I was not aware of these restriction on my account, the representative falsely said, " Those fees are federal regulated fees and are unable to be waived. '' But according to my research, Regulation D was waived in XXXX. XXXX and at least in the interim, was left up to individual banks discretion. After I pointed this out to the representative through an informed back and forth, where he repeated that this was federal regulation and there was nothing he could do, he ( XXXX XXXX changed his tune and admitted that it is in fact an institutional decision. At which point I asked to speak to his manager.

The manager waived the fees as a " courtesy. '' So I managed to get out of this situation... but I wanted to file this report as a record of Key Bank 's misconduct misleading consumers about what is and what is not federal regulation.
Consumer complaint received 2021-09-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2017-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

In a nutshell I have had this loan for 25 years first through XXXX XXXX and now Navient ... the original Loan amount was around 17k. Throughout the years I have struggled with employment and had to use forebearance tools to help cope for the first 20 years with XXXX XXXX my principle was actually going down. Over the last few years with Navient my principal has risen XXXX just in interest and fees due to a reduced payment program they put me on. Problem is they failed to tell me that this reduced payment does n't even cover interest amount so my debt has ballooned. I do n't understand how this is legal. How can I ever pay off these loans?
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2022-07-26
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. (FL)

ON XX/XX/2022 A FRAUDULENT ACCOUNT WAS ADDED TO MY CREDIT PROFILE IN THE NAME OF " XXXX XXXX '' I NOTIFIED THE CREDIT BUREAU IMMEDIATELY AFTER NOTICING THE FRAUDULENT ACCOUNT AND SOME INQUIRIES. THE BUREAU TOLD ME IT DOES NOT HAVE TO BLOCK OR SUPPRESS THE FRAUDULENT INFORMATION FOR 30 DAYS OR EVEN 45 DAYS UNTIL THE COMPANY 'S INVESTIGATION IS FINAL. I HAVE SENT IN MY AFFIDAVIT, POLICE REPORT, FTC REPORT, AND UNITED STATES POSTAL POLICE REPORT.
Consumer complaint received 2021-04-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (MI)

I financed a vehicle through Ally Financial auto in XX/XX/XXXX. In XXXX, I attempted to change the payment date online from the XXXX of the month to the XXXX. I cancelled the payment for the XXXX and made a payment for the XXXX. They took a payment for the XXXX and the XXXX. I tried to get a refund and was told it takes XX/XX/XXXX business days to send the info to another department and they have XX/XX/XXXX business days to send it to another department who has XX/XX/XXXX business days to send me a check. I contacted my Credit Union and made an unauthorized deduction report. The money was back in my account in 2 days. So, I refinanced the loan with my Credit Union and got a 10 day payoff amount. I went on line and made a payment for the balance the day after the refinance money was in my checking account. I waited for the money to be transferred for about 10 business days and nothing happened. I called Ally Financial and was told the payment was scheduled for XX/XX/XXXX. Why would I get a 10 day payoff amount and schedule it for 4 months later? The person on the phone said I needed to change the date and she would walk me through the process. I kept her on speaker and brought up the account online. When I tried to change the date, the calendar would not change. I had to close the online site and reopen it. And after another few attempts I was able to get the calendar to change. I then asked why the payoff amount was more and I was told there was a XXXX dollar a day charge which added to the balance. This is the most difficult financial group I have ever had to deal with. Why would anyone get a 10 day payoff amount and schedule the payment for XXXX? My experience times a few XXXX more means big money for them.
Consumer complaint received 2018-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (PA)

Our XX/XX/2017County Taxes have not been paid. We have never been late on our mortgage payment. This has never been a problem until Flagstar Bank took over our mortgage in XX/XX/2017. I have forwarded the delinquent notices 3 times and have been told each time that the bill will be paid. We just received another notice saying that they still have not been paid and that the home will go up for sale if the taxes are not received.
Consumer complaint received 2015-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I paid off and closed account with XXXX XX/XX/XXXX. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached )
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-03-09
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

From XX/XX/2023 to XX/XX/2023 there were unauthorized deposits a total of {$9000.00} and unauthorizes XXXX transactions made under my account. A total of {$4800.00} were transferred to contacts that I've never interacted in the past and that I do not know ; contacts were : XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of this XXXX transactions. 

My bank is aware of this case, but they can not proceed and refund me my money because the transactions were made through XXXX. 
My Checking account is currently negative - {$1300.00} My Savings account is currently negative - {$1000.00}