davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WA)

On Tuesday, XX/XX/XXXX, my housemate sent me money using paypal. She has sent money to me using the same bank account and paypal account plenty of times in the past, and it has always transferred instantly - I was able to see the balance in my paypal account immediately. However, this time the transaction showed as pending instead. 

When Friday afternoon came and it was *still* " pending '', I called paypal. They told me this transfer was an " e-check '' which takes 3-4 days to complete, but they could not explain to me *why* this transfer was an e-check rather than the same instant transfer that all her past transfers to me have been. The could not explain what made this one different, they could not speed it up, they refused to acknowledge that they had done anything wrong, and told me that it would complete on Monday. 

It actually didn't complete on Monday, it completed on Tuesday. So for a full 7 day week, paypal was holding on to our money, money that she had intended to give me, but that neither of us had access to for a full week. 

Paypal claims that when she made the transfer it would have told her that it would be an e-check, but they couldn't say whether it would have given her any other options. I tried looking at the transfer interface and it looks like if it did tell her, it would have been in light gray fine print. Not having any reason to guess that this transfer would be handled any differently from past transfers, I don't see any reason why she would have noticed that very unclear disclosure.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (SC)

XXXX XXXX XXXX , XXXX has been harassing me despite having paid them off already. I set up a payment plan and settled. I completely paid them off inXX/XX/2021, last week, they send me a letter stating I now owe {$50.00}. I called them and they told me I don't have a balance. I informed them of the letter, they then stated oh I do have a balance then. I asked why when they just told me initially I am paid in full. They began to ask me questions on when did I pay it off. I informed him the dates should be right there in his system since he just told me I had no balance at the beginning of the call. I asked for a supervisor and the agent laughed and put me on hold for over 5 mins. I called back and the same thing happened, I was told I have no balance, informed of the letter and again, all of a sudden now I do have a balance. Then the agent began talking about a debit for Verizon, I have never had any service of any kind with Verizon. I could barely get a word in, the agents kept cutting me off, raised their voices over mine. All I wanted was for the to validate this new " debit '' I owe. But they couldn't seem to answer any of my questions, explain anything, and would refuse to let me speak to a supervisor. These people are scammers and need to be looked into.
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I recently discovered I had {$17000.00} missing in my business checking account. They not only emptied my account, they maximized my overdraft too. I now owe all this money. Somebody used my information to create ACH payments. 

The bank ( HSBC ) informed me they won't be able refund me as it was over 48hrs to notify them. I was over sea 's, that was never possible. Their management have been very helpful in beginning an investigation. However, I am still not protected. What other options are available outside of the banks investigation? ( they are contacting the vendor 's who received the payments to request a refund ). To date, the vendors have not refunded us.
Consumer complaint received 2020-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I just started montering my credit because I am trying to buy a house, I see an ample amount of accounts on my profile that I have no knowledge of. I want these accounts to be validated and once you see these accounts don't belong to me I want these accounts removed
Consumer complaint received 2017-07-25
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)

I am disputing the US Bankruptcy Court of XXXX XXXX Court of California with their office and as well as the credit bureaus Equifax, XXXX and XXXX. The 3 major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TD BANK US HOLDING COMPANY (KS)

I called in paid off my target red card in XX/XX/2019. The card was closed at that time and no additional charges have been made. On XX/XX/XXXX I received information when trying to purchase a car that my target credit card was reflecting past due. 

Confused by how this could be considering the account was paid off in XX/XX/2019, I called the contact center. The call center rep informed me that there was a returned payment on the account, but was unable to provide any additional details and then the call was disconnected. 

I then attempted to contact the call center again to get to the bottom of this. The call center rep at that time was unable to explain why my account was reflecting past due. I advised that I have not received any statements or notification there was an issue with my account until I received a credit alert while trying to buy a car. I requested all statements be sent to me so I can see what happened on my account. I was put on hold and once again the line was disconnected. 

I once again called back to to the call center and requested information regarding why my account was now reflecting past due when I paid it off in XX/XX/2019. The agent once again confirmed my address and said that she " saw '' why I was not notified of this and why i was not receiving any sort of statement from Target. It was stated that there is an internal verification that has to take place and that this never happened on my account and that is why I havent received statements. The call center then put me on hold and i have now been on hold for 25 minutes. 

I am requesting that Target red card remove any negative remarks from all 3 credit reporting agencies as I was not alerted of any issue with this account and none of their reps are able to provide to me the information I need showing that I owe these money to target. 

Target should consider updating their process to ensure customers are receive statements and proper account notifications. This is very confusing for consumers to understand what is happening to their accounts. And that is after I have attempted to contact the call center 4 different times and no one can provide me any details or give me any info.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo did XXXX unauthorized credit inquiries of our credit reports. We have emailed and called to have this corrected and they have not corrected the problem. The employees involved are XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-01-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

After I graduated from the Ohio XXXX XXXX XXXX XXXX, my loans were consolidated with Navient. The original amounts were {$130000.00} and {$45000.00}. I have been paying on these loans for 20 years, total amount paid XXXX. My outstanding balance is {$180000.00}. 

I feel taken advantage of. I filed for bankruptcy in 2014 Chapter XXXX, only to be penalized for it by Navient. This is wrong. What Navient has done to me is wrong. 

I am in a repayment program, that most sees nearly half of the payment going to pay interest and not the principal. 

I would like my case added to the Class Action lawsuit against Navient, filed by multiple states. 

Thank you.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (GA)

I'm unable to get in contact with SageStream via phone call as i'm rerouted to the automatic voicemail system and properly ignored every time. Their voicemail service says that they would give me a call back within 1 business day, but i have already left 4 messages and waited 2 weeks with no reply. Another option is to contact them via " secure fax '' or by mail, but looking further on their website at ( https : //www.sagestreamllc.com/consumer-report/ ), they want a photo copy of my State ID, which is NOT required by all 3 major credit reporting agencies like XXXX, XXXX, and XXXX, including XXXX. Additionally, if anything on my State Issued ID is different than what they have on file, say a change in address, they REQUIRE further verification information of my name, address, phone number, birthday, AND social security information by sending them a copy of very sensitive personnel information. They want an actual photo copy of my Social Security card, U.S Passport ( picture page ), Alien Registration card, or my Military Identification card ( front and back ). Again, this is NOT required by the major credit reporting agencies like XXXX, XXXX, XXXX, or XXXX. Which leaves me wondering if this is a SCAM. Another way for predatory companies to siphon off even more private information, information that no one has ever asked of me before, other than State and Federal government for official use, NOT private companies. Not to mention, I don't believe it is legal to make copies of or to reproduce government issued ID of any kind ( especially social security cards and passports ) and be given to anyone period. Unless I'm wrong here, no private company should request any of this for " verification purposes ''. Something smells fishy ... Makes me want to get XXXX ... but wait ... upon further research online, this is what i found : " Sage Stream '' Credit reporting - Owned by and gets information from " ID Analytics '' - owned by " XXXX '' provider of Identity theft products - owned by " XXXX XXXX '' which also operates " XXXX '' provider of computer security softwares. 

Basically what should be of concern to people, is the very fact that a company that sells it's product use to users by installing such software on their computer for security purposes, has the ability to use their software to read and analyze your habits, your page visits, your completed purchases, etc. 

This information may indeed allow mischief on their part, in order to gain new customers for their XXXX services. In addition all of this information and data can then be and is most likely given to " ID Analytics '', which ultimately provides this data to a credit reporting agency called Sage Stream, all of the above in which is owned by " XXXX XXXX ''. 

XXXX : XXXX YOU FRAUDS, HOW ARE YOU LEGAL??!!!!
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I was marked 60 days late for American Honda account # XXXX for the month of XX/XX/23 and XX/XX/23 respectively. I believe this was done in error and I am requesting the correction of the negative reporting on my credit. The car lease was initiated on XX/XX/23 and the initial monthly payment was paid at signing. However, the billing statements for XX/XX/23 and XX/XX/23 were sent to an erroneous address that I am NOT affiliated with whatsoever. I didnt receive them, and was not informed that the payments were due until I reached out to XXXX and inquired as to why I am not getting statements. 
I am not sure where this address came from and why the statements were sent to that address. As per my conversation with XXXX reps, the statements XXXX sent to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  an address I am not affiliated with. They said that the dealership put this address on the application, but the dealership denies putting this address, and they stated that they included the address listed on my driver license. 
The billing statement should have been sent to my home address, the address specified on my driver license, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Please note the attached driver license which clearly specifies my address as being the one listed above. 
The aforementioned late reporting occurred due to an error, and hence I am requesting the immediate correction of the negative reporting on my credit report as it is inversely affecting my credit profile. I didn't provide the incorrect address, and if the statements were sent to the correct address, the monthly fees would be paid on time!
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I have a charge dated XX/XX/19 from XXXX XXXX for {$33.00}, my most recent statement ending XX/XX/19 did not have the $ XXXX monthly dining credit from this eligible merchant, I have also waited 4 weeks for this credit to post as outlined on the terms page. Attempted to utilize live chat on XX/XX/19, which was useless and of no help. Further, attempted to call the customer service number on back of card on the evening of XX/XX/19 and spoke to XXXX, explained the situation and after being placed on hold, was told that it must have been a " system issue '' and that she would issue the {$10.00} credit. Two days later this was never done and is not showing up on the account.
Consumer complaint received 2016-05-26
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

Here is the complaint letter that I sent to the CEO office : I am XXXX of your customers and I was hoping to seek your assistance with my mortgage. 
I am really getting frustrated with getting a problem resoled and I know that your company does n't want the customers to feel that way. A SALE DATE IS SCHEDULED FOR XXXX I have been trying to obtain a loan modification with your company for many months, however it seems that Wells Fargo does not want to help with this. 
I am recently going thru your re-entry team and we have been in contact with them regarding the file. 
Back in XXXX XXXX, we submitted the workout review and was denied because of the income was not sufficient to support the modification. 
Then we resubmitted a new application and in XXXX XXXX, we were told that the file was removed because there was an incomplete application and documents were not submitted on time. 
On XXXX XXXX, a new application was resubmitted and according to the underwriting department in the re-entry team they reviewed the file as of XXXX XXXX and the XXXX stated that there was not enough income to support the modification. 
I called the re-entry team and was advised that the new application was not reviewed showing the updated income supporting the new modification, that instead they reviewed the OLD financials and not the current ones. 
At this time, I am requesting for Wells Fargo Executive office to review my file and to postpone my sale date so that they can see for themselves that what they are doing is injustice I have been working very hard and providing Wells Fargo all the documents way ahead of time, but it seems that they are not willing to help me out with my situation. 
I LOOK FORWARD ON HEARING FROM YOU. 
CC : Consumer Financial Protection Bureau & XXXX XXXX, Attorney General for Missouri
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2012 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AL)

I had an account with XXXX XXXX for internet. I closed this account XX/XX/XXXX. At that time I was advised that there would be no additional charges. I then started receiving emails, telling me that a payment of {$66.00} was due, but showing that nothing was due. Sometime around the end of XXXX, XXXX XXXX sent to me to collections, with a company called Convergent. I received a letter from Convergent XX/XX/XXXX, stating that they were authorized to give me payment options, one of these options was to pay {$49.00}, and the account would be considered paid in full. I mailed out a check in the amount of {$49.00} on XX/XX/XXXX, to the address listed on their letter, and with the payment stub that they sent. I then get notification from XXXX for the additional {$16.00}. When I called Convergent this morning ( XX/XX/XXXX ) i was advised that my account was no longer active with them, and that they couldn't help me. That because I sent the payment directly to XXXX and the letter was just sent to me to get me to pay, that XXXX really hadn't authorized this short payment, that they could not help me, that i would need to speak with XXXX directly. When I asked them why they told me to send the payment to XXXX, she said because that is where it was to have been sent.
Consumer complaint received 2020-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

Applied for a new credit card and was declined. Add after receiving an increase on another credit with bank. No one can give an answer to why. But says I have to wait on the letter. Even though I meet all the requirements. XXXX credit score, income $ 500k a year. Debt 2 %, no liens, no bankruptcy, no collection, and 5 yr history with bank. No missed payments. Still declined. Lol are you kidding me.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

XX/XX/XXXX Invoiced by Capital 1 for {$1000.00}, Paid {$1000.00} for a remaining balance of {$15.00}. XX/XX/XXXX paid {$300.00} to essentially XXXX  the account. XX/XX/XXXX invoiced for {$1700.00}. Called to resolve where the additional {$900.00} charges came from, as they didn't appear on my XX/XX/XXXX invoice.Escalated up to " manager '' level and got a shell game about billing cycles but no explanation of how the {$900.00} failed to show on my XXXX invoice but suddenly showed up in XXXX When mutual review turned up {$600.00} in transactions. All attempts to clear up how {$900.00} I allegedly owed them failed to show in the previous invoice, as per Capital One I had entered XXXX with a remaining balance of {$15.00}. After failing to get an answer as to how a balance from a previous billing cycle wasn't shown on the next bill and then somehow got carried forward to the bill after that, decided to contact CFPB.
Consumer complaint received 2022-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

XX/XX/XXXX paypal paid XXXX XXXX {$39.00} I filed a dispute on this under item not received. PayPal has not fully processed the dispute and they keep trying to pull this amount from my Checking account.
Consumer complaint received 2020-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.