davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

I am dealing with an issue with XXXX / PayPal right now. I have been misled, swindled, and duped by XXXX. Multiple times I spoke on the phone with XXXX XXXX XXXX and I was told that the circumstances of this case would be covered under Seller Protection. As my labtop was either damaged in transit by XXXX OR it was damaged by the buyer in order to force a return. One of those two things has happened. My money should not be on hold in PayPal and there should not be any negative balance on my PayPal account. 

This situation Im facing looks like an obvious case of " buyer 's remorse. '' Its not just me who thought that. When I called PayPal, after explaining what happened, the customer service said that she thinks it sounds like a situation of buyers remorse. PayPal put my balance into a negative balance of XXXX due to the actions of XXXX and XXXX XXXX. This is not okay. I have been duped into believing that I am covered by XXXX Seller Protection. I did everything correctly that I could in selling this item. I am extremely upset how this has been handled by XXXX and PayPal. I have never faced a situation like this before. 

The buyer received the item in the condition described. The buyer is apparently now fraudulently lying about the condition in order to receive a refund, even though the labtop was described accurately in my XXXX listing as a " used '' labtop with cosmetic imperfections, sold " as is '' with no returns accepted. Because I am unable to accept returns on this item. I find it incredibly unfair that I have gone to great lengths to document the condition of the labtop, both before listing it on XXXX and before shipping it to the buyer, but yet XXXX is wrongly placing the blame on me. 

There is a real likely possibility in this case that the buyer has scratched or damaged my old labtop on purpose in order to fraudulently demand a return/refund. The other possibility is that the labtop was damaged in transit by XXXX since I first had to ship the item to XXXX  shipping center in Kentucky. It should be covered by XXXX Seller Protection which is supposed to protect a seller against fraud and other cases such as mine. The photo the buyer showed me of the so-called damage looks nothing like the condition of the screen before I shipped it to him. I also took photos and a video before shipping the labtop to the buyer in order to document the condition of the item. It did not look like that! The labtop was first shipped from me to XXXX, and then the labtop was forwarded to the buyer in XXXX. 

However, I have a strong suspicion that the most likely scenario is that the buyer has had " buyer 's remove '' and is therefore lying about the condition of the item to convince XXXX to allow him to return it. 

I just saw that my PayPal account is currently in a negative balance. Furthermore, money being received to my PayPal is not even appearing to me as available. Basically PayPal is just stealing my money. This can not be happening.
Consumer complaint received 2023-03-21
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)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-04-09
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. (TX)

Equifax is choosing not to update my credit balance with XXXX XXXX. They are leaving the balance on my account as {$4100.00} which is not true. I reached out to XXXXXXXX XXXX and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. 

Equifax is also reporting the wrong information for XXXX XXXX. My balance with XXXX XXXX  is {$3700.00} and my credit limit is {$8000.00}. Equifax is dismissivie of the documentation that I have provided to them. 

I just spoke to XXXX a Manager at Equifax with ID # XXXX and she told me that I would have to file another dispute in order to address my concerns. I have filed two complaints with no success. This manager basically told me that they are not going to change any information nor will they contact any creditor. She went on to say that once the creditor updates them then they will make the change. I informed her that I submitted proof that I had a XXXX balance with XXXX and my credit limit on my XXXX XXXX  card was not reported correctly. 

It is clear as day that Equifax did not attempt to contact XXXX XXXX  nor XXXX XXXX. To further support the previous statement, XXXX XXXX  to {$0.00} being owed to them and {$3700.00} with XXXX XXXX  which is owed to them with a credit limit of {$8000.00}. 

Historically Equifax has been dismissive of any concerns. I just realized today that I could actually file a complaint on Equifax. So, XXXX XXXX  nor XXXX XXXX  is not the problem. I have never had a problem with them. It is the tactics of Equifax which is the problem.
Consumer complaint received 2023-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

The credit bureau never did a proper investigation according to the FCRA. NONE OF THIS Accurate.. 

CAPITAL ONE XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-21
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Please don't ignore my request this time, I really need these items to be corrected as soon as possible. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative information on my credit report that has been affecting my credit score. Upon reviewing my report, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I did not authorize an inquiry by XXXX XXXX, XXXX on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Secondly, I have no recollection of belonging to an account with XXXX XXXX XXXX, account number XXXX. Therefore, it is not possible for you to update this account, and I request that you remove it immediately from my credit report. 

Thirdly, I would like to dispute the accuracy of the reporting for my XXXX XXXX  account, account number XXXX. To the best of my knowledge, this account has never been paid late, and the reporting is completely inaccurate. I urge you to update this account and delete the incorrect information immediately. 

Fourthly, I have no recollection of belonging to an account with XXXX XXXX XXXX, account number XXXX, and Fifthly, XXXX  XXXX XXXX, account number XXXX, and Sixthly, XXXX XXXX account number XXXXXXXXXX. Therefore, it is not possible for you to update these accounts, and I request that you remove them immediately from my credit report. 

Seventhly, I did not authorize an inquiry by XXXX XXXX, XXXX XXXX  on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Lastly, I can not recognize the business XXXX XXXX, account number XXXX, and I request that you investigate this account and delete it from my credit report if it does not belong to me. 

I hope that you will take the necessary steps to correct these inaccuracies in a timely manner. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WA)

this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.
Consumer complaint received 2019-10-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

in 2017 i did a payday loan with ace cash express and due to becoming XXXX i have been unsuccessful paying the loan back but every day the company calls my phone harassing me with scar tactics sating they are the XXXX XXXX County and charges are being brought against me it has caused a great deal if stress upon me and im currently facing stressful things in my life today the way this company harasses me everyday is adding the pain of stress that im already dealing with it, i really wish they would not call my phone this way.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I applied for a direct deposit balance transfer ( {$5000.00} ) online to my Bank of America Rewards Visa Signature - XXXX. The direct deposit has a 3 % balance transfer fee ( {$150.00} - 3 % of {$5000.00} ) and a promotional rate of 0 % APR until XX/XX/XXXX ; the Offer ID is XXXX. On XX/XX/XXXX, I incurred a interest charged of {$17.00} for direct deposit & cash advances at variable APR of 24.74 %. I called Bank of America on XX/XX/XXXX, and informed them they made an error on the APR and that I should have the promotional rate of 0 % APR. The customer service representative informed me that a manager will look into the issue and get back to me by Friday, XX/XX/XXXX and no later then Monday, XX/XX/XXXX. On XX/XX/XXXX, I called Bank of America for a status update and was told that another " manager '' will look into the issue and I should get a call back by Tuesday, XX/XX/XXXX. I did not receive a callback on Tuesday ( XX/XX/XXXX ) or Wednesday ( XX/XX/XXXX ). On Thursday, XX/XX/XXXX, I called and, again, was told that a manager will investigate the issue and will reach out to me by Monday, XX/XX/XXXX. I did not want to take another chance by waiting until Monday, XX/XX/XXXX. 

From XX/XX/XXXX and to date, I am being charged interest. I feel Bank of America is deliberately delaying the resolution while I am accruing interest while waiting for them to fix the error. I called in three times, described my situation to three different customer service representatives, and was lied three times when the issue will be resolved. I do not understand why they can not provide me a confirmed offer of 0 % APR ( Offer ID XXXX ) but insist on charging the high 24.74 % APR. I have never been late on making payments and part of Bank of America Preferred Rewards Platinum Honors.
Consumer complaint received 2020-09-15
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. (MI)

On XX/XX/2020 I submitted consumer complaint letters to Equifax because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.
Consumer complaint received 2019-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019, I purchase a home at the foreclosure sale that was located at XXXX XXXX in XXXX XXXX Texas. I paid {$140000.00} for this home. One day later I received a call from the owner of the home asking to rescind the sale of this home because one of the family member was XXXX  and the owner was an elderly man. I agreed to rescind the sale. The original owner has done a loan modification with Wells Fargo and paid Wells Fargo. Today in XX/XX/2019 and Wells Fargo has not refunded my money. 

The only person I can speak with regarding this matter is a lawyer that Wells Fargo appointed that does not answer the phone. I must get my funds back as I have borred these funds from a lender. 

The lawyer for Wells Fargo name is XXXX XXXX XXXX-XXXX-XXXX. this lawyer keeps saying he is wiring the funds today and they never come.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I had a XXXX card, approximately 16 months, I never had one late payment, in XX/XX/2019 I paid my balance. I went online to view my account today it stated closed. I contacted XXXX, they told me the account was closed not because of my payment history, but because of negative reporting by Transunion. I contacted Transunion, they did not give me a explanation, they told me call XXXX. 

Transunion also has at least 5 other accounts on my credit report incorrect. Transunion shows I have a balance on these accounts which I have paid. I have worked very hard the past three years to improve my credit score. I have nothing in collections. I paid my car off early, which Transunion has also not reported. I was going to apply for a mortgage and Transunion is destroying my credit. 
Finally when I got through to Transunion, it was very difficult for me to understand what the person was saying due to a very heavy accent. 
I am amazed that in the USA this is the poor reporting system we have in place. 
As I said, I was never late with my payments to XXXX, and recently paid my {$1000.00} balance and my account is closed because of whatever negative information Transunion shared with XXXX. These reporting agencies should have stricter overseeing because they are ruining peoples lives. 
Also I paid my car ( XXXX XXXX ) I have no balance it shows I owe {$9200.00}. I owe XXXX. XXXX I paid {$970.00} I owe XXXX, the balance is still there, XXXX XXXX XXXX incorrect balances. XXXX XXXX XXXX, I owe XXXX shows I owe {$600.00} This is inaccurate reporting by Transunion and damaging my credit that I am working very hard for. I have 0 accounts in collection
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I submitted consumer complaint letters to XXXX  and TransUnion because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on  XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (NC)

I sent a letter to Security Credit Services that they validate NOT verify a debt they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with an unsigned agremeent which does not prove that I am obligated to pay them anything. They have reported unvalidated and deliquent information to the credit bureaus and I am asking that this account be deleted from all 3 of my credit bureau reports.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

We have been trying to sell our home in a short sale since XXXX. We received an offer and our negotiator submitted it to the lender. They came back with an extremely high counter offer. The buyer and our negotiator submitted a value dispute. Several times the lender confirmed receiving it but never had an update to provide. The pipes burst in the property in XXXX creating a huge water damage and creating a lot of mold to grow in the property. This information was sent to the lender but they lied and said they had just been in the property a week ago and the property was in perfect condition ( a different representative later told my negotiator that they had not been inside the property since last year ). We finally just received a response today ( after 2 months!!! ) and they lowered the value just a little bit. The buyer revised their offer to a slightly higher offer but we're concerned the lender will not look at it since they took 2 months to respond to the value dispute and gave several inaccurate updates and all out lies to us and our negotiator. Please help us to postpone the auction so that we can sell the property on our own terms and avoid foreclosure. The buyer is a cash buyer and can close immediately if and when approved.
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (VA)

Radius Global Solutions has contacted me multiple times a day, from multiple phone numbers. They have contacted my personal phone number, my work number and my parents. I sent the company a certified letter that was delivered yesterday. I have confirmed receipt of the letter by USPS. Today, the agent at the XXXX phone number 5 times between XXXX and XXXX, contacted my work line at least once and my mother on cell phone. Not only was this the second time they called my mother, they discussed what type of debt that I owed.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is refusing to update account balances and update my XXXX score on these two credit card accounts accounts : 1. XXXX XXXX XXXX XXXX   Balance {$100.00}. Reported from creditor on XX/XX/XXXX.

2. XXXX XXXX XXXX XXXX Balance {$470.00}. This account should be reporting and update aroundXX/XX/XXXX. I have had past issues with these accounts not being updated by Transunion on time.
Consumer complaint received 2019-06-11
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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I purchased a 2017 XXXX XXXX. In XX/XX/2018 my car was reported stolen. I was told by my insurance company " XXXX '' to not pay my monthly bill because they would pay my remaining balance. Because of that I have three/four months of " mispayed '' monthly bills from my stolen XXXX. My insurance ended up paying the value of the car off, and I'm currently working with GAP to cover the remaining costs. However, Nissan Motor Acceptance has  no records of files that I need to proceed with paying the remaining costs of my vehicle. GAP and I have contacted Nissan to obtain Vehicle service contracts that employees are not able to find. Because of length in time my remaining balance has gone into collections. Without the forms of Nissan I am not able to process my GAP claim.

I also paid for a Vehicle theft protection to First Automotive by southwestRE but when I called them to cancel it for my GAP claim the company said Nissan never submitted their paperwork.