davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

RE : PayPal case # XXXX, Merchant ID # XXXX SUMMARY : I sent {$3200.00} to my Nephew on XX/XX/XXXX. This is advertised by PayPal as an " Instant Delivery ''. 
The charge posted to my XXXX on XX/XX/XXXX. PayPal has the funds, but has delayed ( two weeks and counting ) and has still not delivered the payment as advertised and promised. 

On XX/XX/XXXX I made two payments using PayPal to my Nephew, XXXX XXXX. The 1st payment went through just fine. The 2nd payment Transaction ID # XXXX for {$3200.00} was flagged by PayPal as an " Open Dispute '' and a hold was put on delivering the funds. 
On XX/XX/XXXX I was on a 58 minute " chat '' session with XXXX from PayPal in an attempt to resolve PayPal 's concerns. XXXX was not able to answer my specific questions or help resolve the actual problem -- -he only was able to describe PayPal 's resolution processes. 
I can submit a transcript of the on-line chat session if requested. There was a initial problem with one of my funding bank accounts, but it was cleared up immediately and I have two emails dated XX/XX/XXXX and XX/XX/XXXX from the Branch Sales Manager saying the PayPal situation is resolved. 

I immediately submitted and have continued to submit all documents requested by PayPal as follows : Files ( 9 ) [ Add ] Date Sent Type of Documents File Title XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX FrontDriversLicense-pg-1.pdf Fax Any Bank Account Statement XX/XX/XXXX BackDriversLicense-pg-2.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX XXXX-transactions.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Statement XXXX XX/XX/XXXX Bank Statement XXXX My XXXX card was changed on XX/XX/XXXX, so PayPal has collected the funds and I am requesting immediate delivery of {$3200.00} to my Nephew. I can provide copies of Bank emails, Credit card statements, etc to support this complaint if requested.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

The ATM malfunctioned and ate my money and debit card then shut down. Bank staff unhelpful. Been a full calendar week now. No resolution. Ive called daily expressing the urgency of the issue. No credit has been issued while they handle it and they havent figured it out still. I keep getting told maybe tomorrow. Every single day. For a week straight. TD flat out stole my money and is holding it until they get around to it. This is criminal and has had significant impact on me personally and my family now. We havent been able to pay bills. We never will use TD again.
Consumer complaint received 2021-02-01
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. (NY)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2020-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My name is XXXX XXXX XXXX. My husband XXXX XXXX XXXX XXXX XXXX and I have had a mortgage loan with LoanCare since XX/XX/2020. We always make our payment via their online service. We have not had any issues making our payment up until XX/XX/2020. On XX/XX/XXXX, I made our payment as usual. I monitor our account very closely. On XX/XX/XXXX, I noticed our payment still had not come out. I logged onto our myloancare account and noticed they had charged us a late fee and a bad check fee. I made a call to their customer service and spoke with a gentlemen ( ID # XXXX ). I explained to him that I was concerned that our account was being charged these fees in error as to we had the money in our account. We went over the my bank account and routing numbers. He said that it appeared my account number was missing a leading 0. Sidenote : I have never entered the leading 0 on previous payments. He told me everything matches up that was the only thing he could see that may cause an issue. I told him to add the zero and run the payment again. XX/XX/XXXX, I again noticed my payment had not been processed and loancare was again charging me with fees. I spoke with a woman ( ID # XXXX ), I explained everything to her and she pulled up my account. We reviewed all numbers again. There were no issues and she said that the issue has to be on my bank 's side. I called and spoke to a man named XXXX and a woman named XXXX at my bank. He pulled my account and told me there was no evidence of an attempt on my bank account from loancare and that there were no bad check fees on my account. On XX/XX/XXXX, I call loancare again and spoke with XXXX. I again had to explain everything to her and how I have the money in my account, i shouldn't be charged bad checks fees and that I needed something done. Somehow they dropped my call which is extremely frustrating after having spoke with so many different people and all i want to do is pay my mortgage. I called back and finally was sent to the manger, XXXX. I expressed my frustration and the issues i was having with trying to pay my mortgage. We again went over my account and routing numbers. She noticed the last person who put my payment through typed the number incorrectly. She corrected the issue and ran the payment through. 
Today, I check my loan account and realize again the payment has not been taken out and they are again trying to charge me fees. I am beyond annoyed and irritated now. I don't understand what is going on. I have had no issues before. ALL I WANT TO DO IS MAKE MY PAYMENTS.
Consumer complaint received 2019-08-27
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. (FL)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called to let them know that I did not give permission to be added as an Authorized User. XXXX has removed this line item from my credit report but XXXX and Transunion have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed.
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I have been a member of USAA for 18 years. I received a letter today dated XX/XX/XXXX that my credit has been lowered to {$7100.00} on XX/XX/XXXX. The decrease is based on my credit score which they stated is XXXX. I make over $ XXXX a year and have other credit cards with balance and make monthly payments and have a great payment history but what USAA is doing is harming my credit abilities and damaging my credit since by lowering my credit limit from {$12000.00} to XXXX with a credit balance of {$6600.00}, my account now show I have a high balance which will now impact my credit score even more. I have been in the process of paying off this card for several months and not using it. I believe because I have only been paying the credit and not using the card this is why my credit has been lowered. Also, if I was such a bad customer then why every time I receive my statement it show that I do not need to make a payment. Well it is because USAA wants me to continue to drive up my balance and for them to make money off the interest. This company is breaching my fair credit abilities along with damaging my financial abilities and potential further job opportunities as a result of them lowering my available credit and hindering my credit score. This practice must be stopped and I feel they are breaking fair credit laws as well as fair lending. 
When I spoke to a representative on XX/XX/XXXX, she was unable to even tell me what my previous credit limit was and was extremely unhelpful. She couldn't even help me find my statement on the website.
Consumer complaint received 2021-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesla, Inc. (MD)

I have solar panels on my house through Solar City and tried to cancel with them initially because the panels were not working. I have been trying to cancel for years and have never been able to get a direct answer. Since Solar City has been taken over by Tesla it has been the same situation. I have emailed and called on numerous times with no assistance. The panels have not been working since I received them and I've been getting charged monthly for a service I'm not receiving. As right the total amount showing on my credit report is {$51000.00}. I spoke with Tesla they even said that the panels aren't even turned on in their systems. My ultimate goal is to have the panels removed from my property and the balance cancelled as the company has not met the terms of our agreement.
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (IN)

Key2 Recovery, of XXXX XXXX, OH made several phone calls to our home phone, trying to collect on an alleged debt of our youngestDaughter, XXXX XXXX, who has not lived with us for several years. We told Key2 these facts, and that the alleged debt was not that of my wife or myself, and that we had not guaranteed anything for XXXX, and hadn't co-signed, etc.We told Key2 to stop calling us. ( We also had not received anything written from Key 2 before or after these harassing phone calls. ) Key2 said they would stop.

On XX/XX/XXXX, Key2 began to call us again, using cellphone numbers, and also began to call our oldest Daughter XXXX on her cellphone as well. XXXX also does not live with us. Key obtained these cellphone numbers of our Family in an illegal process called 'skip-tracing '' ; which violates consumer protection laws as well as privacy laws. The cellphone calls may also violate the TCPA.

Key2 has also called friends of XXXX  on this alleged debt, and seems to have contacted her employer. This adds to the illegal business practices of Key2, and would seem to violated Title 5 of the Federal Trade Act ; as this is an Unfair and Deceptive and Abusive act by Key2.,
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (CA)

I received a letter informing me that my monthly payment would be going up due to escrow, I did not want my monthly payment to go up, I tried to contact Axos Bank numerous times and eventually got a response via message to mail a check to pay the additional which I duly did and my monthly payment would be adjusted down. 
This was not done, I have sent numerous messages as well as calls and eventually after contacting them via social media they said I need to ask for escrow analysis, to date this has not been done, Axos Bank does not return calls and is extremely hard to get in touch with a representative
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

My address changed in XX/XX/XXXX. 
I sent new address to XXXX  on back of the monthly statement. It was never updated so I never received a statement at my new address. Also, the email they had for me was incorrect and I never even knew they emailed your statements. This was a shock because for 3 years I never got one email. I tried to explain this was their fault. It was their incompetence that has caused me to show two straight months of payments missing. Always pay in full, told them to check my history. The first amount was for XXXX dollars and the second for around XXXX. I dont have any 30 day missed payments on my credit. Now I have 2 in a row from the same and only company. I tried to speak with them, but the women in the country of XXXX that handle the phone calls for XXXX   are so rude and will put you on hold until it automatically hangs up. Im being penalized for them not doing their job correctly. Yes, I agreed I did not make the payment for those two months but, not because I was unable to financially, it was because I was not notified for three months. It was finally a phone call from target asking why no payment was sent. Please help because this mistake will hurt me for a long time and companies should have an understanding when something like this happens. They let people in other countries handle personal information. They dont care or have an understanding what a mistake like this causes to an individual due to the reporting to the Credit Agency. You see, they dont have that system in their country so what do they care.
Consumer complaint received 2019-08-27
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. (TN)

As per the feedback response from TransUnion, It's completely False resolution. I contacted TransUnion as advised by TransUnion on my last dispute and was informed by the representative who said his name was XXXX at the beginning of call, and at the end of call said his name was XXXX when I bought it to his attention he disconnected the call on XX/XX/2019. I recorded the call and informed the TransUnion rep that I was recording the phone call which I have forwarded all phone records, not accessible transunion website for me to view, check status on a dispute or start a new, and all submitted complaints that I have submitted to CFBP and TransUnion response to my attorney. 1. Transunion has continously denied my request for proof of Method of Investigation for accuracy. 2. Provide me with original documentation from the furnisher of creditor reporting signed contracts with my Full Name, Full Social Security Number, Full Date of Birth, Full dated Signature with my Name on it. 4. Told TransUnion XXXX e-system is NOT ACCEPTABLE!! 5. Transunion representatives in disputes istated repeatedly, that US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE with the phone number is address is whom you should call because they're reporting the information to TransUnion. I informed the representative that the US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE has reportedly stated to me over the phone and in person that the US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE HON NOT REPORT TO ANY CREDIT REPORTING AGENCIES OR THIRD-PARTY VENDORS AT ALL. I PROVIDED DOCUMENTATION REGARDING THAT. SINCE CFBP WAS NOT HELPFUL IN INVESTIGATING MY COMPLAINTS NOR HAS TRANSUNION ADHERED TO ANY OF MY DISPUTES THAT IS A DIRECT VIOLATION TO FCRA RULES 609, 623, 607, 611, 613 & 605, WILLBE HANDLE BY MY ATTORNEY.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (GA)

THE CBE GROUP INC-XXXX listed a debt on my credit report that I do not owe to XXXX XXXX for {$280.00}. They then listed the same debt, changing it by {$1.00} ( {$280.00} ) being owed to XXXX XXXX under the name XXXX on my credit report making it look like two separate debt collections. This has had a TREMENDOUSLY negative effect on my credit. It is a deceptive practice and has hurt my family 's ability to get housing, etc.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

On XX/XX/2019, I received a call from Jefferson Capital Systems LLC, in an attempt to collect a debt of approximately {$1100.00} that was owed to XXXX XXXX. However, I do not have any consumer debt nor have I ever had an account with XXXX. Therefore, I immediately suspected that this attempt to collect money was fraud. 

My suspicion was confirmed when I decided to research Jefferson Capital and one of the first results that came up from my XXXX search was " Jefferson Capital XXXX Fraud ''. 

Please take the appropriate action against this company because while I am capable of determining what is fraudulent, other people are not. 

Thanks for your timely attention to this matter.
Consumer complaint received 2018-10-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (FL)

I used Carvanas auto loan calculator which said I would receive a rate of 10 % for a car loan. Once I went through the process and submitted documents the rate went up to 18.69 %. Nearly double that of the advertised rate I was given. I purchased a vehicle through them previously and had to refinance because they had done the same thing then. I offered to put nearly 25 % of the price of the vehicle as down payment and they only wanted to lower the rate to 17 %! This is shameful and needs to stop.
Consumer complaint received 2024-02-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WI)

I have tried to use the American Express gift card on XXXX XXXX XXXX, both places that should accept this type of card on several occasions over the past two years since getting the card, every time it says an error has occurred & my request can not be processed. But when I check the gift card balance on Amex website, it says my card is active with the total {$25.00} balance.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with FCRA XXXX XXXX Partial account number furnished, has violated my rights. 15 USC 1681 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2021-12-06
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. (GA)

I'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.
Consumer complaint received 2019-08-27
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. (OK)

I am trying to purchase a car and when they ran my credit it is showing by XXXX  brothers outstanding car loan with XXXX and a repossession on the car. This does not belong to me.
Consumer complaint received 2019-08-27
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: EQUIFAX, INC. (OK)

I am trying to purchase a car and when they ran my credit it is showing by XXXX brothers outstanding car loan with XXXX and a repossession on the car. This does not belong to me.