davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-01
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MA)

On XXXX XXXX, requested a bank-to-bank transfer of {$2600.00} XXXX Dollars to a XXXX bank account in XXXX. {$2600.00} was deducted from my bank account on XXXX XXXX but only {$2400.00} was deposited into the recipient 's account on XXXX XXXX. Although I requested this to be a XXXX dollar to XXXX dollar transfer, Western Union insisted 'Government requires local currency to be sent '. Their investigation into this has provided no results in recovering the missing {$150.00}, stating the amount of local currency ( XXXX PLZ ) is what was sent and received by the bank. It is indicating a dramatic rate conversion issue, but this is not clear. I do not believe conversion was required and Western Union incorrectly processed to convert. However, if so required, how is it possible so much money is lost in a direct bank-to-bank transaction. I truly feel money has been stolen from me and hope you can assist me to recover. Thank you
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I had a strange bankruptcy. My attorney filed a Chapter XXXX that was converted to a Chapter XXXX. Before the Chapter XXXX could be finalized I had a change in income and voluntarily went back to a Chapter XXXX. The Chapter XXXX was voluntarily dismissed. I received no benefit from the Chapter XXXX. Because it is public record it is being shown on my credit report. Lowering my credit score. I completed the Chapter XXXX and all chapters are closed. The XXXX has dropped off my credit report but they refuse to remove the Chapter XXXX for ten years. This is unfair. I did n't benefit in any way from filing the Chapter XXXX and that is n't fair credit reporting. I have the paperwork from the courts saying neither party shall be harmed. I did exactly what the court ordered me to do. I submitted the paperwork showing this and how all the dates coincide. There was only one true bankruptcy. It was completed and discharged. XXXX dropped it off my credit. Equifax said no. XXXX is pending.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

On our XX/XX/XXXX XXXX  XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XXXX XXXX transferred/sold the account back to XXXX XXXX  XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX  XXXX XXXX XXXX of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX  XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX XXXX Credit Report XXXX  XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed 99 Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) Experian-Credit Report XXXX XXXX XXXXXXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX bank statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

The XXXX and XXXX account information should not be on my credit report. I do not owe XXXX and XXXX was paid in full before i left the XXXX. I disputed it already with XXXX and it was removed so I need to also have it removed from my equifax report.
Consumer complaint received 2022-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

I received a letter in the mail from a company that I allegedly owed a debt too, which is not the original company that I dealt with. I sent them a certified letter asking them to verify the debt. The letter was mailed on XX/XX/2022 and they signed for it on XX/XX/2022. It has been three months since I have asked them to verify the validity of this debt and there has been no response.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

I have been using Paypal for the past few years to accept payments from clients for my XXXX XXXX and XXXX XXXX XXXX. It is one of the platforms I used, and only use it about 30 % of the time. Payments via the platform typically range from $ XXXX {$6000.00}. 

This month, XXXX, three clients opted to use PayPal to complete payments for my XXXX XXXX for total balance to approximately {$13000.00}. PayPal initially held on to the funds for 3 days before they could clear. PayPal later asked for proof and documentation regarding the nature of my business and ability to provide the paid for services. I provided copies of my professional licenses and driver 's license, as well as links to my website where all the services are outlined. I also explained that the funds are retainers paid for court evaluations. However, PayPal determined that the information was insufficient. Twice they asked for more information. Each time they came back asking for more after discounting my answers. They have not identified their concerns. 

The current requests are copies of bank statements and signed contracts between myself and my clients. I have declined to provide that information, cancelled all the transactions and requested that my clients be refunded. PayPal did refund two of the transactions, but kept the funds for the third transaction of {$5700.00}. Instead, they issued a check from my business bank account linked to my PayPal account while withholding the client 's payment. 

I have requested that my funds be returned, but to no avail. Their actions are doing harm to my small business. I have been in this line of work for 8 years and have worked hard to be able to get such contracts. This back and forth with payments will cause clients to doubt my professionalism and hurt my reputation. 

I am asking for Paypal to refund {$5700.00} as its services were not used for any transactions. I no longer wish to engage with the platform and will be closing my account.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 My EDD account was accessed through a atm fraudulently through an ATM and {$800.00} was withdrawn. 

XX/XX/2020 My EDD account was Fraudulently accessed again through another atm and {$800.00} withdraw again.

Total amount of fraud on my account is {$1600.00}. Bank of American was contacted several times. After hours of waiting on hold and being disconnected, I received a letter in the mail from B of A stating my case had been closed and I would not be receiving a refund. 

Both transactions were made at XXXX XXXX atms hours away from my house in cities I do not visit.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX I received dispute results from XXXX/Capital One. I initially disputed a late, but Capital One removed the trade line all together, thus damaging my credit scores. After the typical blame game of one another, I was told Capital One incorrectly processed the dispute and would need to send a re assertion letter to each agency. As of yesterday, Capital One has verbally confirmed sending the letter ... still with no written confirmation. XXXX stated it may take up to " 3 Billing Cycles '' for the trade line to be re asserted. A few things concern me here. I seemingly have no recourse and am unsure as to if my scores will rescore and so on. I am unable to access the credit markets at this time which have brought my undue hardship. Essentially my report will have went wrong from time of dispute to potential resolution some 120+ days. Not to mention they never have addressed the actual late I was disputing in the first place.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NJ)

I have lived in the same place for over 12 years every year i ask EQUIFAX XXXXXXXXEquifax Information Services LLCXXXX XXXX, Georgia XXXXi never had a problem with the other XXXX credit reporting companys just equifax for 12 years at the same address refuses to give me a copy of my report
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I know I owe {$250.00} to Kohl 's department store. I keep getting phone calls ever since I missed my first payment. I have expressed to them that I still have not had a shift so I can be able to pay off my debt. I 'm always told at the end of the phone call that my situation is documented, but I keep getting called every day and asked the same questions over and over again.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I have filed a dispute with equifax to remove my joint chapter XXXX bankrupcy. filed on XXXX/XXXX/XXXX at NV, XXXX XXXX federal court # XXXX XXXX CT-LV, the address is XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX NV XXXX, tel # XXXX. Joint Bankeupcy under XXXX XXXX and XXXX XXXX, case # XXXX. This bankrupcy was dismissed/closed - ch XXXX. 
my original dispute with Equifax was on XXXX/XXXX/XXXX, they refused to remove it and instead of removing it, they are showing on my credit report that the bankrupcy court renewed the date which is my dispute date, which is XXXX/XXXX/XXXX. now I would like them to remove the bankrupcy from my credit report, it is over 7 years old. inclosed is documents and letter of dispute sent to Equifax , I disputed online and by mail. please remember that it is a joint bankrupcy and it has to be removed from my credit report as well as my wife 's. 
Thank you in advance. 
Have a happy and healthy new year. 
XXXX and XXXX XXXX
Consumer complaint received 2020-10-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX  and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

My home has been foreclosed upon and we have exhausted all appeal remedies ( even though the appellate court had to rule against itself in denying my appeal ). However, I have also been asked to participate in the Servicer 's Home Retention Program. The Servicer is Select Portfolio Services , Inc. They accepted my application in the program awhile back, and numerous stays, all at only 45 days each, from selling my property, have been granted by the court. However, since there have been so many of these, the Court required that a hearing take place to stay the next sale, set for XXXX XXXX, 2017 -- a week from tomorrow. 
I received a decision letter from SPS ' home retention program, where they denied working with me to retain my home, but will allow me to short-sell it for an amount far less than they say I owe with all the fees and attorney charges added on. I have offered them an amount roughly {$50000.00} above what they will accept on a short-sell, but they refuse to work with me. However, I do have thirty days from their decision date ( XXXX XXXX ) to appeal their decision and seek explanations as to why they will not approve me for some sort of repayment plan. The denial letter is attached, and interestingly enough, since this is a rental property I own, the Tier 2 program was of great interest to me. Their reason, shown on page XXXX of the denial letter, for not being able to offer me the Tier 2 program was that I have " not missed two or more mortgage payments. '' If that 's the case, as they state in writing, why then will they not just start accepting payments from me? 
We assumed since it would be in violation of RESPA laws for my property to be sold while I still have an appeal in the works, the judge would grant our motion to stay today. She did not. We are now looking into options to appeal her decision to district court or wherever, to keep them from selling my home while I still have an opportunity to appeal and perhaps retain the home by reasonable negotiations. 
I have attached below the copy of the affidavit we submitted with the motion to stay that resulted in today 's hearing. If you read through that, you can see all the ways in which I have been jerked around by SPS, and I have several prior complaints from their telling me they were refusing to follow the law and stay previous sales ( that we 've managed to get stayed up until now ). I need your intervention to compel SPS ( who showed up at the hearing today and opposed my request for a stay ) to follow the law, and for THEM to request that the judge recant her decision of today so that SPS will not be in a situation of dual-tracking me.
Consumer complaint received 2016-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (NY)

I was contacted via mail by Enhanced Recovery Company pertaining to a debt from XXXX XXXX that they acquired on XXXX XXXX, XXXX. I checked my credit report and noticed that this was also added to my credit report. I decided to reach out to this debt collection company and told them that this debt did not belong to me and I did not reside at this residency during the time that this XXXX account was activated. Also, I neither authorized anyone to open an account under my name nor did I call XXXX to open an account on the behalf of anyone. Someone unlawfully opened an account under my name and this went without notice for a long time. According to them, this account was opened on XXXX XXXX, XXXX at the address.
Consumer complaint received 2015-09-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I deposited a check in XXXX currency with the Citizen 's Bank XXXX XXXX, 2015. Instead of converting to XXXX currency at the published Exchange rate of C {$1.00} = XXXX {$0.00} on the date of conversion, the Bank gave an Exchange rate of C {$1.00} = XXXX {$0.00}. This amounted to a difference of more than XXXX {$1800.00} in their favor for handling this transaction. 
I called XXXX other banks with whom we do business, and was told they always used the posted official daily exchange rate. 
Please respond with the Official FTC policy regarding this matter. 
Thank you. XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX, Tel. ( XXXX ) XXXX )
Consumer complaint received 2023-03-28
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. (DE)

This is my eight 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. 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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (CA)

I sent out a letter around XX/XX/XXXX to XXXX, XXXX XXXX and Equifax here is my tracking numbers # XXXX, # XXXX, # XXXX, however it's been more than thirty days and the credit bureaus failed to send my investigation back verifying the accuracy of these accounts and from who we're they getting there information from as verifiable proof that these accounts are mind. Also my credit file was breached twice with Equifax two in both of their major breaches in 2017 and again XXXX and I have yet to hear from them regarding financial or credit remedy to their breach of my information and the possibility my personal information is on the dark web as life lock has suggested. 
According to the law 5 U.S. Code-s 1681i- procedure in case of disputed accuracy, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If it is shown to accurate provide the direct information from the original creditor as well as what company/agency this information is coming from. They also must record the current status of the disputed information, or delete the items from the file ASAP in accordance with paragraph ( 5 ), before the end of the thirty day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MD)

I moved from my condo and disconnected my bundled tv through XXXX and XXXX and paid the bill off through XXXX & XXXX, however XXXX turned the amount I paid them to satisfy my bill into a debt collector. I 've contacted XXXX 8 times and they have where I satisfied the bill but have n't contacted the debt collector to take this charge off. I do not owe the {$340.00}.
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (AZ)

I was unknowingly made a member of PayPal Credit. Payments were routed without my permission to PayPal Credit rather than my chosen means of payment, my personal checking account and credit cards. I have questioned both membership and charges more than XXXX times in sriting to PayPal without satisfactory answers. I have written to close the account without results. On XXXX XXXX, 2015, the Consumer Finace Protection Bureau ( CFPB ) filed federal charges against PayPal Credit for the same fraudulent practices and the court ruled against PayPal, confirming this illegal practice. I am filing personally to have the account closed and my contested charges cancelled.