davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hey we have been contacting paypal for 3 months and every-time an agent say I will immediately escalate your demand to the relevant department and will get back to you shortly when we have updates. and he will never come back. 
the problem is : we were having some problems with delivery in the lockdown months due to covid-19 and we had some more cases coming then paypal put a hard reserve percentage ( 90 % for 80 days ) on our account which no business can survive with this reserve percentage and we understand that. but we put also a hard effort to deliver the orders as faster as we can. and we delivered all the orders to our costumers and we solved all the cases most of them in our favor.
Consumer complaint received 2017-11-14
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. (SC)

Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.
Consumer complaint received 2022-09-07
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. (NJ)

fraudulent hard inquiries on my account I didnt consent to pulling my credit XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX or XX/XX/XXXX I stopped into the Chase Bank location at XXXX XXXX XXXX, XXXX TX XXXX and spoke with XXXX XXXX ( sp? ) about cancelling PMI on my mortgage. She wasn't sure of the process and called into customer service. She was told and relayed to me that all I needed to do was to pay down the balance on the mortgage to less than 80 % and actually wrote down on a sticky note the amount I needed to pay. On XX/XX/XXXX, I made a payment of approximately {$13000.00} to bring the balance of the loan just under the 80 % requirement. I called Chase and they said that now I had to have a BPO done in order to verify the value of the home. I told them that is not what I was originally told and that I wanted my money back then. They decided after a few days of my case being escalated that Chase would pay for the BPO. I said fine and when the BPO came back, I was told that the home has increased in value from the purchase price of $ XXXX to $ XXXX. Had I just had the BPO done, I would have been over 20 % equity and should not have had to make the payment of {$13000.00} towards my principal balance as it was not needed. Now Chase is refusing to refund me the money. Please help me get my money back as I would have never paid down the principal balance if I knew that they were going to require a BPO as part of the process.
Consumer complaint received 2019-04-05
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: FORD MOTOR CREDIT CO. (IL)

I received a copy of my updated XXXX credit report and observed a hard inquiry on XX/XX/2018 from ford credit and XX/XX/2018 from XXXX XXXX XXXX dealership..I did not authorize these inquiries on my credit report and I did not even walk into XXXX XXXX  XXXX dealership on XX/XX/2018. Ford motor company has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX credit report
Consumer complaint received 2023-03-02
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the Experian and XXXX credit bureau doesn't care at all that I want to dispute unauthorized inquiries that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiries removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

Chime closed my account without notice and have held my funds since its closure on XXXX XXXX 2023. Numerous emails asking why my account was closed, which they said I violated deposit agreement. Reading the agreement I did not in anyway violate the agreement. Saying my funds will be mailed to me within 30days. Absolutely horrible
Consumer complaint received 2018-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (AZ)

We called my Mortgage Company my finance and I in XX/XX/2018 of this year and ask them was there anything they could do because my son was having a XXXX XXXX Transplant due to his complications of his sickness, Not only did I provided all the documents as far as my XXXX, I also time taken off work, which was from XX/XX/2018 until XX/XX/2018 because I was my son care giver at the hospital I stayed from the beginning to the the end of the procedure. I explained to them with me taken off work it will put us behind with our mortgage, they told me sure I will see what I will do, just provided me with everything.The hospital Social Worker wrote a letter. From the time I sent all my paper work while in the hospital until now. It is now the end of XXXX they still say send me this, send me this, but he wait until 3 week just send me this, another two weeks just send me this. I don't know what else to do were trying to play catch up of course they return the money back. We told them we don't want to sell our home, they still ask. I fell I were being discriminated against. Can you help please me with some advice.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX, I charged XXXX for XXXX XXXX ( {$99.00} + tax ) to credit card ( Citi AAvantage ). I never received a statement. I did not pay the amount because I pay bills when I receive a statement. 

I received a letter in XXXX XXXX, dated XX/XX/XXXX saying the account is past due and may be referred to a collection agency. This was the first notice that I received telling me that I has an unpaid balance. 

I called to see what this was about. I was told that I owed 4 months of late fees at {$20.00} per month, plus interest. I spoke with three different representatives of Citi -- each at a higher level of authority. They will not give full names. Each told me that they could only cancel one late fee of {$20.00} plus some interest. I was told the remaining balance was {$83.00}. Since I have never received a statement, I could not verify this amount. I decided to pay {$85.00} to make the hassle go away. 

On XX/XX/XXXX, I received a statement from Citi. It shows a payment of {$190.00}, consisting of the {$100.00} plus {$85.00}. The statement shows a remaining balance of {$32.00}, which includes another {$2.00} of interest. I called and learned that Citi decided they would not rescind the {$20.00} late fee and interest, as I had been told over the phone. They now demand an additional payment of {$32.00}. 

My experience is frustrating but the BROADER QUESTION IS WHETHER CITI IS CONDUCTING A SCAM WHEREBY THEY FAIL TO SEND OUT STATEMENTS, THEREBY TRIGGERING MORE LATE FEES AND INTEREST. In other words, is my experience the tip of the iceberg?
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

On XX/XX/XXXX i received a letter from XXXX XXXX stating that i owe {$87.00} to creditor : XXXX XXXX. from an account back in XX/XX/XXXX. 

I called the creditor XXXX XXXX  and ask about the account and they said that i paid the account in full and nothing else was needed. Costumer Rep sent me an email stating that my account was pay-as-agreed and nothing was sent to collection services. 

Therefor i called CCS, they asked for my file number stated in the letter from them and to verify my address and name. Informed them that i called the creditor and ask about the account debt, and that i have received a email from the creditor stating that the account was payed as agreed. CCS asked me to sign up on their website for a " email services account '' to show them the email from the creditor
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

First of all, this investigation with Equifax for XXXX XXXX XXXX has been going on for more than 30 days and Equifax is still investigating this fraudulent account on my credit report. By law, Equifax is required to delete and remove this fraudulent account immediately. My rights have been violated by Equifax. I started this investigation on XXXX Confirmation number : XXXX and it is still under investigation through Equifax. Why is this fraudulent account still on my credit report? Please delete and remove immediately. I have included a copy of my police report supporting that this account is fraudulent. Please delete and remove immediately. 

XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2021 BALANCE : {$55000.00}
Consumer complaint received 2018-08-30
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. (NC)

XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's transunion credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Three Major Credit Reporting Agencies have for many years published inaccurate information on my credit report. There are 7 seven separate Department Of Education/ XXXX XXXX loans that are reporting errors filled information. I have never been late on my student loans, and in spite of a perfect payment history- XXXX XXXX Transunion all report a " 90 day late '' which they are saying has been " validated '' with the lender. This is an impossibility, because how can I have a " paid as agrees '' in XXXX of XXXX followed by a " 90 day late '' and after that " paid as agrees ''? This makes no logical sense. I need the bureaus to update this derogatory mark " paid as agrees '' or " No Data ''. I can not have my financial wellbeing be impacted due to their errors. 

Also, I have a recent derogatory mark from " XXXX XXXX ''. I have my last bill before I terminated service and what the bureaus have published is absolutely false! I even went as far as sending in via USPS ( certified ) a copy of the bill in question. Unfortunately and unlawfully, they have indicated that the negative mark has some how been validated. I need this removed ASAP. 

XXXX and Transunion are inaccurately reporting a " XXXX '' account from XXXX, they are claiming that the account has been charged off. I do not have a recollection of association with this account. 

Transunion is reporting that I have two requests for credit from a company called " XXXX XXXX ''. I do not recall doing business with the company and want to have it validated
Consumer complaint received 2023-02-22
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. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/2023 they charged me for three {$60.00} transactions in overdraft fees. I checked on the fees and they corrected it to {$35.00} and there were only two overdraft transactions. There was not a notification or apology. the event makes the Wells Fargo Bank untrustworthy. I collected information on how to file a complaint. The process seemed daunting but to my surprise it was not too bad.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (VA)

In XX/XX/XXXX I had ordered via online XXXX XXXX   service. The service was available through their online system. When the tech came to do the installation he had informed me that I was not able to receive this service and that all the ports were full. I had reached out to XXXX and was told that the service was in fact available and rescheduled for a new installation date. The 2nd tech came out and once again told me that I could not receive the service as all ports were full. I reached out to XXXX 's customer service yet again and she talked to the dispatch unit only to tell me what the tech had already told me in the first place. The service was cancelled as I was NOT able to obtain it. In XX/XX/XXXX I received a credit alert that a new collection was on my credit report from EOS CCA. After doing research and filing a complaint through XXXX it showed XXXX being the original creditor for a debt of {$35.00} for the service that was not installed and cancelled the day the tech came out. I filed a complaint against XXXX on this very issue through the XXXX  and had a call from XXXX from XXXX XXXX XXXX department about the complaint. He left a message for me to call him back. I tried reaching out to him and gave him a good time to reach me via voicemail. Since then, I called him back 3 more times leaving 3 different  voicemails only to never hear from him until the day they replied to the XXXX complaint. Their response was they could not get in contact with me. I rejected this response and argued my side with them explaining this as well as the position they put me in. I have attached everything from the XXXX to EOS as well as XXXX. XXXX 's final response was that I need to get this corrected with EOS since they no longer own the account. My argument is this account should have never been sent to collections in the first place as XXXX is the root cause to this problem.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX, EQUIFAX AND XXXX ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : ACCOUNTS RECEIVABLE XXXXXXXX  XXXX- XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (CA)

I originally applied for a {$1000.00} loan and was told if the loan is paid off early, the amount paid would be towards the principal verse waiting and paying off the loan in 1 year. When I called to pay off the loan early, I was told I could not pay off the loan due to having a makeup payment. I was told the earliest pay off date would be XX/XX/19 and in the amount of {$1200.00}. I would be paying an additional {$1700.00} until the date of XX/XX/19. When I asked what was paid on the principal, I was told {$150.00}, but to pay off my loan now, they wanted {$1400.00}. I have already paid {$1800.00}, This is fraudulent business practices and I have paid over {$1800.00} and consider this loan paid in full due to their fraudulent practices and California pay loan practices. The emails I have attached to this complaint even show they have used two different loan account numbers.
Consumer complaint received 2019-04-03
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. (ID)

I am writing in reference to a dispute I sent to Equifax Credit Bureau on XX/XX/2018 requesting to verify, validate, and provide evidence that they had the right to report the debt of {$1900.00} to XXXX. 

Equifax did not provide the verifiable proof as I requested within the 30 days. All they did was send me an update on XX/XX/2018 updating a small piece of information they already had to meet the 30-day requirement. I specificially requested evidence as I had a right to. I have yet to receive the proof that they had the right to report this debt. I am requesting your assistance in verifying that each credit bureau followed the process according to the FCRA. Based on the fact that the verifiable proof was not provided within the 30-day dispute period, I request the debt be deleted from my credit file as they did not meet the deadline to provide the information. 

Please see attached correspondence originally sent to the credit bureau, and their responses. 

Item : XXXX XXXX Original Creditor : XXXX Amount : {$1900.00}
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (GA)

I can only give you a very brief information, b/c I had all the paper work at home and will sumbit to you later if you need it. 
It happened about two years ago. I had the Credit Card from American Express. But I discovered that they charged me very unfairly, so I decisided to discontinue the relationship with them. I had spoke to the phone rep. for that and she told me not to worry about it, so I thought everything was in smooth condition, but surprisingly received a letter from the company which charged me unbelieveable late fees and interests each month in following months that none of them are my fault. By then, I could not call them to tell the issue, b/c my XXXX leads me to become XXXX XXXX individual. ( please feel free to inquire the copies from the chat dept. of American Express. ) So I communicated with them thru. chat about the issue a great number of times, but it did not work. So I decided to write to CEO & President both about the situation, but I received no feedback at all and got ignored by both of them ; instead, they reported the case to collection agencies. And I sent an email to the first collection agency, and heard no respond from them. However, I continued to receive letters from collection agencies more than once at this point to tell me to pay the debt. I want to stop the relationship with them but never intended further business with them, I want to pay off my share and close my card and never see/hear from them again, but not with their claim and they tried hard to ruin my credit report record which I should earn my excellent credit record back. Can you help on that? I will be happy to send you any additional inform/documents to support my statement. Please help me to do so.