davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PayPal account : XXXX On XX/XX/XXXX, XXXX XXXX sent a payment for {$1300.00} for a XXXX ceritified diamond ring with 14k gold band via PayPal goods and services absent of a description. I contacted PayPal the same day asking if I should ship because the buyer didnt put a description and they advised me too. However, the buyer also filed a chargeback the same day he sent the payment without giving me time to ship. After I shipped via USPS, the buyer claimed that he received a worthless item and XXXX. After this, the buyer changed the reason for his chargeback and PayPal refunded the payment in full, leaving me to pay the transaction fees. However, I have photo and video evidence of me shipping the item out and communication directly with the buyer on what he purchased. PayPal did not even ask the buyer to ship the item back under the reason that he claimed what he received was worthless which is fraud on both the buyers end.
Consumer complaint received 2019-06-25
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. (UT)

XXXX, Equifax and XXXX  are all reporting lates on my XXXX XXXX accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these 2019 lates. I would like all these lates removed from my accounts.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

XXXX XXXX I received a notice to collect debt. I filed the formal dispute, but have not received an answer from the collector. The debt is still reflected on my account, and is over XXXXXXXX XXXX XXXX I need to raise my credit score because I am unable to secure a traditional loan, and had an auto accident XX/XX/XXXX leaving me without a vehicle. This prevents me from operating my business or securing a job.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I have tried calling Experian to cancel this recurring membership that charges my bank account {$26.00} a month. I do not receive ANY services from Experian ; I have spent hours on the phone trying to get a representative on the line, but 2 hours without having a single representative pick up is a bit much.
Consumer complaint received 2023-04-10
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.
Consumer complaint received 2022-12-14
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. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.
Consumer complaint received 2023-04-10
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX Acct # : XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged debt, no therefore any such debt, in fact therefore exists. 

XXXX XXXX  XXXX Acct # : XXXX both are reporting on my credit report. 
XXXX XXXX  Acct # : XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged debt, no therefore any such debt, in fact therefore exists. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXX
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

Contacted by a man who said he was from XXXX Fraud & Theft division said my phone was hacked into & if I have mobile bank  apps to check the accounts. I checked everything at the time looked okay. I checked again later and a XXXX XXXX  transaction was made not by me to a person I dont know. I never ever made a XXXX transaction of any kind. I notified PNC bank, they told me to change my password & thell investigate. 2 days later I received a letter from PNC that an investigation was made and the transfer was valid therefore my dispute is declined. I looked up the person the money was XXXX to it was an XXXX American girl in XXXX, Florida. I do not know anyone in Florida and I did not make this transaction. I disputed the transaction again. Again i received the same response from PNC. Again I filed a disputed that I DO NOT know this person and did not make this transaction. Again PNC denied the dispute. They did not provide proof of the investigation that the transaction was valid. This is not acceptable so Im disputing again. I will not give up because {$990.00} was stolen from me which is a lot of money as Im SS XXXX.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CO)

BBVA was acquired by PNC and I have not been able to access my account through BBVA or PNC. I have called several times over two weeks no one has answered or I have been on hold with the call just ringing. I have called on XX/XX/21, XX/XX/21, XX/XX/21, XXXX. I have tried accessing my account online through both BBVA and PNC. I am still not able to access my account.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

My name is I am filing a complaint on my own behalf I am not a party or an attorney. I have a few accounts that are showing me at XXXX days late and at the time my income was affected by the XXXX shutdown. I am aware that the XXXXwas allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXXXXXXXXXX XXXX  XXXX # XXXX dates XXXX, XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX LATE # XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NC)

I made a payment from my banks bill pay center. The payment was received on XX/XX/2023 and processed with XXXX XXXX on XX/XX/2023 per the deposit details on the back of the check. I have called XXXX XXXX XXXX in regards to my Indigo XXXX XXXX on XX/XX/2023. I have also faxed a copy of the cashed check, in which the payment has yet to be applied. 

They have also reported to the credit bureaus on XX/XX/2023, that my card was over the limit and that my usage was 107 %. Which has had a negative effect on my credit.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX XXXX ; XXXX, {$23000.00} XXXX XXXX XXXX ; XXXX, {$2400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$6500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3000.00} GRAIN XXXX XXXX ; XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX, {$1200.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. Equifax, XXXX, and XXXX are in direct violation of these codes by furnishing and reporting these accounts on my consumer report.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/23, I made an international transfer of {$480.00} using Moneygram to my sisters bank checking account. Per transaction receipt, funds should have been available on XX/XX/23 but the recipient apparently never received the money. On XX/XX/23, I called Moneygram and filed a claim in regards to the funds not being received. On XX/XX/23, Moneygram issued an email stating, After conducting our investigation, we have determined that an error may have in fact occurred with your transaction. Kindly note that the transaction was credited on XX/XX/23. As such, you are entitled to a refund in the amount of XXXX ( USD ) .... I emailed them back stating that I did not understand the resolution since the transaction was initiated on XX/XX/23. So, I filed another claim to appeal their resolution. On XX/XX/23, Moneygram stated that, After completing our investigation, we have determined that an error as defined under the Remittance Rule has not occurredpartner confirm that the transaction was successfully deposited to intended receiver account. I checked with my sister if the funds from the XX/XX/23 transaction ever came and she verified that it NEVER did. As of now ( XX/XX/23 ), I am still waiting for Moneygram to send me the support documents for their resolution and they said that it would take 30-90days.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc (OR)

I rented a car from XXXX XXXX XXXX XXXX several years ago and out of the blue they are trying to collect {$1800.00} for damage to the vehicle. I noticed there was a yellow paint smudge and dent on the right front quarter panel the next day when I got in the car. These makes were clearly consistent with the yellow pilons in the XXXX  XXXX  XXXX  XXXX  garage at the airport. I told the attendant when I dropped off the vehicle and and explained that I wasn't asked to inspect the car before I drove it off the lot when I picked it up. He told me that was not a problem and acknowledged that the yellow paint and dent were probably from their garage and that this has happened before. 

I later sent a letter to XXXX  XXXX  XXXX XXXX  when I returned home alerting them for good measure. 

several months later I received this bill from XXXX  XXXX  XXXX XXXX. I called several times, wrote another letter, and never heard back from XXXX  XXXX  XXXX XXXX. I then received this collection notice from JNR.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to address a matter of concern regarding my recent application reference number XXXX on XX/XX/2024 for an Amex Card. As a consumer, I submitted an application in good faith for an Amex Card to American Express, but regrettably, my application was denied. This denial has raised serious concerns regarding potential violations of consumer rights and securities laws. 

It is my firm belief that American Express is engaging in practices that may constitute securities fraud and violations of the Equal Opportunity Act and the Consumer Credit Protection Act. By denying me access to credit without just cause, American Express is effectively withholding me from exercising my consumer rights. Furthermore, the unauthorized use of my Social Security number in the application process without extending any benefits to me is deeply troubling. 

In reviewing American Express 's Prospectus filed with the United States Securities Exchange Commission, it is evident that they engage in securitization of card member loans and receivables through the transfer of assets to securitization trusts. This raises concerns about the handling of consumer data and the potential misuse of personal information.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WVH, LLC (UT)

XXXX asked for me to stay to clean and then charge me for Rent. I would have just left because they kept my deposit and they charged me for doing what they had asked me to do. Then they charged me for Rent?! 
I finished my lease completely They offered month to month rent agreement ( I might still have the documents for this actually ) then 2 weeks later decided that I had too many complaints and because I lost my job ( which was found to be wrongful termination ) I was not even eligible to apply and I was told that " because you lost your income you no longer fit the requirements to reside here or any of our sister company 's and I wouldn't recommend that you apply because they can see the notes we have on file for you and you will be denied. " ( I am still not completely healed from my job loss, that destroyed me and my confidence and my life and this lady said this too me with no empathy, I left the office in tears ) they are the largest apartment company in my town. I was homeless with my XXXX kids, for a year after and I have applied to several places and keep getting denied. Or landlords show interest and then they get my credit report and I never here from them again. Im still looking for places but I'm stuck paying more than I can afford because I don't have any other options and I can't even try to repair my credit. I can't afford anything. This has really hurt me and my life has been destroyed. They have a collection on my credit too through simplified recovery, I've disputed this twice. Please help me with this issue, please. 
Thank you for taking the time to read this and please let me know what I can do to help.
Consumer complaint received 2019-06-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mobiloans, LLC (IL)

List of phone calls .... 

Mobile Loans Was told on XX/XX/19 to not pay and then they will offer settlement Missed Call XX/XX/19-XXXX Missed Call XX/XX/19-XXXX Answered Call XX/XX/19-XXXX Missed Call XX/XX/19-XXXX   Answered CallXX/XX/19-XXXX I told them I could not afford to pay them and told them I'm sorry Missed Call XX/XX/2019-XXXX XXXX Sent an email stating I will only want one call a day. XX/XX/19 Missed Calls XX/XX/19 XXXX and XXXX Answered Call XX/XX/19 XXXX XXXX Told them I could not make a payment and asked for settlement Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Answered Call XX/XX/19 XXXX Told them I could not make a payment and asked for settlement. Explained that my other bills come first. 
Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Calls XX/XX/19 XXXX, XXXX Sent a second email stating I will only want one call a day. XX/XX/19 Answered Call XX/XX/19-XXXX XXXX I told them to escalate it to a manger that might be willing to come up with a settlement. 
Missed Calls XX/XX/19XXXX Missed Calls XX/XX/19 XXXX Missed Calls XX/XX/19 XXXX, XXXX Called Them XX/XX/19XXXX I told them to escalate it to a manger that might be willing to come up with a settlement. 


Here is the list of phone calls I received and I have asked for only one phone call a day on XX/XX/XXXX. They said since they are not a third party debt collector the FDCPA does not apply to them. I would like a settlement before it is sold. But they are breaking the law as far as I know.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Back in XXXX we requested help with a modification on our mortgage with Bank of America which is at XXXX %, they said they could n't help as we were " NOT '' behind on payments. We then missed a payment as my company was sold and I was out of work for a short amount of time. After months of us sending in all the requested paperwork and them " misplacing '' or " not '' receiving what they said they needed they finally gave us an offer for a modification, at a payment " HIGHER '' than what we were paying at that point. We declined immediately in XXXX, XXXX and have been in a fight with them since then as they have forced us into an escrow account which we never had before on the mortgage. They went and paid our 3rd qtr taxes and home insurance in XXXX of XXXX and kept posting our payments as " unassigned '' because we were n't paying the escrow amount since we also had paid the insurance and taxes ( neither which have ever been late in the entire time we have had the mortgage ). Finally in XXXX they said they would remove the escrow account if we paid them back what they had paid towards the taxes and home insurance which we did, but they know are claiming that they will not remove the escrow account until we have 12 months of ontime payments which INCLUDE and escrow amount of $ XXXX per month!! They have lied, mistated and fraudulently handled our account for the last year and a half. Also everytime we call they say the call is being recorded, when we asked for copies of such they say we can not have them. When my wife said she was going to record the call with them they immediately said the call was going to be terminated as they do not allow themselves to be recorded.
Consumer complaint received 2015-06-02
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

I received a packet in the mail with informing me of the lease coming to an end. I knew the buy back amount was {$11000.00} because I asked about that when I leased the car. I called Kia and confirmed this amount. I went to XXXX Kia to find out information on how to buy my car. I asked the person who greeted me, who said he was a manager, to speak to a finance manager to find out what I needed to do to buy my car. What he did was sit me down with a salesman. He took my information was gone a long while. He came back with the form and starts going over the numbers with me.He had sales price of {$11000.00}, there was a pre-delivery charge of $ XXXXand another non tax fee of XXXX. And tax of {$800.00}. I looked at the paper and questioned him about the figures and he said that 's the way we do it here.I picked the form up and told him I am sending a complaint to the Consumer protection Agency. He asked do you want to speak to the manager. Why would I need to speak with the manager my pay off on the lease contract was {$11000.00} and the pre-delivery charge of {$590.00} was already paid for when I leased my car it was figured in with my car payment. Why would that manager sit me down with a sales person when I should have been talking with somebody in finance who would look my contract up and give me the correct numbers. This is why I am complaining they saw an old lady and thought they could up the price of the car and charge {$590.00} pre-delivery charge, that I already paid for up front, and I would not know the difference. All the numbers are on the contract. This made me so angry I do not want the car I do not want to deal with those people at XXXX Kia. When I left there I went to another dealership and will be leasing a car from them. The reason I am writing this complaint is because how many people have they done this to and get by with it? They would have made a {$1500.00} profit from their deceit.