davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (PA)

I had a genesis credit card sold to XXXX XXXX debt collector in amount of XXXX I made payment arrangements and have paid XXXX and only owe XXXX remaining. Which will be paid off in 3 weeks. The debt collector for genesis card services sold my account or transfered to a SECOND collector for XXXX XXXX XXXX XXXX  in the amount of XXXX although I only owe XXXX which is auto ach from my bank weekly for XXXX ( I have proof of payments ). They have 2 collection agencies collecting different amounts for the SAME debt!!!
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MN)

I received a letter from XXXX XXXX saying they were the debt collector for PayPal for the amount of {$51.00}. I called back and spoke with XXXX on XX/XX/22 and told him I have never had a PayPal account and am disputing it. He said he would mail out a form allowing me to to do, and that form pointed me here. I have a XXXX XXXX credit score of XXXX and an XXXX score of XXXX. I obviously have not achieved that by not paying my bills, and even though XXXX XXXX told me to pay it since its only {$51.00}, its not my charge so I wont pay it. XXXX provided me no info as to who the alleged vendor was, and they encouraged me to file a police report, but none of our other personal credit, banking, or investment accounts have had any unusual activity, so I am not filing that report. The XXXX should be on the alleged vendor to prove it was me- I should not have to reset my whole life to prove myself.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On my credit report, it shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally riskier to lenders. As a XXXX year old XXXX student, I've never once filed for bankruptcy, foreclosure, civil judgement, etc. This false derogatory record is damaging my credit score which I'm working hard to develop in order to buy a house within the next five years. Please help me delete this false record off my credit report. This most likely was a security breach. 

Thank you.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I was informed by American Express via telephone and their website prior to committing to the XXXX XXXX and XXXX XXXX that the annual fee would be waived for XXXX XXXX military personnel. I am a cadet at a service academy, and according to title 44 of US code I am an XXXX XXXX XXXX. American Express amended their policy to exclude cadets so they will not reimburse me the {$550.00} for the XXXX XXXX and {$250.00}. Once this was realized it was outside of the 30 day window to cancel the card, so simply cancelling them could negatively affect my credit score and would not reimburse me.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (OH)

Unauthorized Inquries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

05/14/2021_Alerted by email that a transaction was to occur from vendor : XXXX YOUR SUBSCRIPTION RENEWAL WAS SUCCESSFUL Dear XXXX XXXX XXXX Were pleased to tell you that your XXXX XXXX XXXX subscription has been automatically renewed. Your award-winning XXXX XXXX XXXX has been extended for another subscription term and no further action is required. Thank you once again for choosing XXXX XXXX. The following is a summary of your order. Please keep this email as your proof of purchase. Your credit or debit card ending in has been charged XXXX XXXX. Please note, the charge will show XXXX XXXX as the merchant for this purchase. 

XXXX_I immediately replied to the email notification that this was not " authorized by me and they should cancel ASAP!!. 

XXXX I submitted a fraud complaint and notification of an unauthorized transaction to XXXX XXXX XXXX PayPal ( transaction was submitted via PayPal XXXX of the same. Directions from both XXXX and PayPal was to contact XXXX XXXX for any compliant or issues. Note : from XX/XX/2021 through today I have attempted " unsuccessfully via PayPal, XXXX, and XXXX XXXX any success on my request to stop transaction, refund or human contact. 

The process by all parties takes you in a " circular loop making it extremely difficult to submit a request and/or claim ''. I do believe this is " intentional for the average consumer ''. I am an avid user of computers but this is difficult and stressful going between parties and not one taking responsibility. Please note : I have an ongoing relationship with PayPal whereby I will create a subscription for continued payments. I did not " authorize or was I notified by PayPal requesting approval of this such transaction. 

XXXX is a security software that I do used, and have purchased over the last 5 years via 'hard cd purchase from XXXX XXXX ''. 

XX/XX/2021 : Transaction has hit my bank account today : XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX Transaction Alert : XXXX XXXX XXXX XX/XX/2021 ( {$100.00} ) ACH Withdrawal, XX/XX/2021 ( {$61.00} ) ACH Withdrawal I will be placing a " fraud alert '' with my bank XXXX XXXX XXXX XXXX of this same issue today.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

These are not my inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avadyne Health Holdings, Inc (IL)

They called me telling me about my XXXX  hospital bills, and I told them to take me off the call list and Ill handle the payments then they called me again 3 weeks later and again 3 weeks after that after I have alreayd made a payments
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Unauthorized Inquries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NY)

I have received a promo from Wells Fargo promising 15 point per $ spent on first purchase airfare up to XXXX worth XXXX XXXX Yet points were awarded on a second purchase instead of first - thus netting me just XXXX points. I have called repeatedly and about a month ago WF has opened a case ( I have a case number XXXX ) that was supposed to be resolved within 3 to 5 days. Yet no one has been in contact with me and all I am getting is automated emails " we need more time '' ( even though issue seems to be pretty straight-forward for anyone who looks at terms of the promotions and at what has transpired ).
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

From XX/XX/XXXX through approximately XX/XX/XXXX, my student loans were serviced by XXXX. During this time, they told me that I was enrolled in the XXXX program and making qualified payments. Multiple agents at the organization told me this. From XX/XX/XXXX through XX/XX/XXXX, I was a fellow with XXXX at the federal XXXX. From XX/XX/XXXX through XX/XX/XXXX, I was employed by a consulting firm XXXX XXXX XXXX XXXX XXXX in XXXX, GA ) placed at the federal XXXX. XXXX told me this was a qualified employer. Not until I tried to get these payments certified did XXXX tell me that they were not qualified because I worked for a consulting firm and was not an actual XXXX employee. I also worked for a nonprofit in XXXX before starting graduate school from XX/XX/XXXX through XX/XX/XXXX. XXXX also said these payments were eligible. Summer of XXXX, I was informed that XXXX was not authorized to manage any XXXX payments and that none of these payments would be qualified.
Consumer complaint received 2022-09-28
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance XXXX {$730.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX*Balance : {$1400.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$2100.00} XXXX XXXXBalance : {$2600.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00}
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

In XX/XX/2021, I received a email, and a message from PAYPAL stating my account will be in limitation ( froze ) for 180 days. XX/XX/XXXX was the set date, for my account to be restored. It is now XX/XX/XXXX, and PayPal has not restored my account. I have made attempts, in the past eight months to prove my identity. I have received a letter stating they are permanently limiting my account, meaning I will not be able to transfer, deposit, withdrawal or have any use of my account. I would appreciate any further action.
Consumer complaint received 2021-05-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (GA)

I purchased a car from XXXX XXXX XXXX XXXX and fell on hard times. My car was repossessed, and the debt sold to Account Resolution Association/Persolve. The debt is collecting interest and is currently nearly double the original cost of the car and certainly over the remaining charges after the car was repossessed, at {$20000.00}. The car was repossessed and yet they are charging me the cost of a new car and have not provided a break down of the charges. This is highly predatory considering the amount is so high it prevents me from ever being able to purchase another car or a home. I have tried disputing this debt several times and recieved no help. I would like the company to be investigated for gouging their costs and trying to bully consumers into paying hiked up fees, well over the original debt. XXXX/XXXX is already a horrible company in itself but the company that they hired for debt collection is worse.
Consumer complaint received 2022-01-27
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/2021 I submitted a dispute letter to all three major bureaus ( Equifax, XXXX, XXXX ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (FL)

BMO Harris Bank seems to have the practice of promising bonuses they have no intention to honor. In this case, they offer a small bonus [ {$50.00} ] for opening a savings account with them by XX/XX/XXXX.  I opened such account on XX/XX/XXXX, with {$1000.00} and have kept that money in the account to this day. Five months later, they haven't honored it yet I have received, though, XXXX CENTS in interest rate during this period of time. But, no bonus.
Consumer complaint received 2022-01-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (PA)

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
Consumer complaint received 2022-01-27
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. (MD)

On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, Transunion, XXXX ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to XXXX, XXXX, Mortgages because of this.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hi, Please take necessary action on fraud.I suspect my x-Husband XXXX XXXX XXXX.We are no longer living together from past 1 year.I can share you all documents which are required for taking legal action on fraud.My SSN, DOB, Full legal name was misused and opened multiple new credit cards on my SSN, XXXX  XXXX XXXX, transunion has added to my XXXX XXXXXXXX.I am no were responsible for new credit cards opened on my SSN.As i am living in XXXX from past 1 1/2 years.I haven't opened any credit cards or bank loans on my name.I have already filed a compliant against this.Please do further investigation and take necessary action on fraud.And please i am requesting you to block my SSN.I have already blocked my SSN on online but my x-Husband does know all my personal details like SSN , DOB, Full legal name.He might can unblock my SSN again and he mighjt use my SSN and open new credit cards for his personal use.Please take necessary action on fraud. 

Thanks, XXXX
Consumer complaint received 2022-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

My complaint regards XXXX XXXX practices and unfair Truth and lending disclosures with the act of deceptive practices. I signed a personal loan agreement using my car for collateral. I was given the Truth in lending disclosure showing my APR of 17.92 % for 56 months, amount financed {$18000.00}, and payments of {$470.00} monthly. Total cost to borrow this shows,. {$9000.00} total amount after all payments should be {$27000.00}. They not only charge the APR which should average {$160.00} monthly and the remaining of payment should go towards principle. This company charges the APR amount plus daily interest which averages {$6.00} daily, which amounts to approx {$200.00} a month. This daily interest is not what is stated in the Truth and lending disclosure. So this means they have been taking approx {$360.00} a month out of my {$470.00} payment for interest. The remaining balance of {$110.00} goes to principle, on a good month. I have no problem making this payment but only if they take the interest that is disclosed and apply the rest to principle. They continue to say that this is an interest bearing loan, which I thought all loans were, they do not adjust these figures and refuse to look further into their deceptive practices. I have talked with XXXX  the branch manager in XXXX XXXX, XXXX another manager in XXXX and many others in their customer service department in Kansas, I think. This company does not see this as a Predatory and deceptive practice, as I do. I would like to see this type of practice gone, as this is unlawful.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX XXXX I go by XXXX XXXX. Im writing this letter to request the results of the investigation and to get my money back. I made a cash payment on my credit card on XX/XX/XXXX between XXXX pm First time I tried to put {$1000.00} but the ATM rejected because the amount exceeded the balance. So I took couple bills out ( I didnt count exact amount which I could remember my balance was between 700-800 ). Them the transaction was successfully. I didn't take the receipt as I never do. After a few days, the transaction still didnt show on my account. 
I went to the branch to file a claim on XX/XX/XXXX. Since then, I had to go back and forth the branch ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) many times and still havent received my money. They gave me the temporary amount then took back. Then again. I need to know what exactly happened to my deposit and the result of the investigation. I have written a letter and contacted with the Executive Office back and forth for many times. also I requested that I need to see the camera footage, but both branch and investigation department would not do it. I am so disappointed how could a well known national bank just ignore a loyal customer 's simple request and help. 
Since I have been unsuccessful with Chase back. I am asking you please help me with the issue. I would really appreciate it. My phone # ( XXXX ) XXXX XXXX Sincerely XXXX
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd ()

Hello. The XXXX company blocked my account without explaining the reasons and does not respond to my letters of support about the amount of funds in my account XXXX the estimated amount is about 25-30 thousand dollars ) and the timing of their withdrawal. 
I can't wait for an official document on the impossibility of a refund wrong trasfer for about two months. And near 1 week I dont have answer for my emails about refunds my money.
Consumer complaint received 2022-01-27
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)

On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, Transunion, XXXX  due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Consumer complaint received 2022-01-27
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. (PA)

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!