davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc (IL)

I have committed several foreign transactions using PayPal Inc : XX/XX/XXXX XXXX  XXXX  billed at {$10.00} XX/XX/XXXX XXXX XXXX billed at {$12.00} PayPay blocked me for using my XXXX XXXX ( XXXX Card ) debit card to make a payment directly in Can $ that would result in {$10.00} and {$11.00} charge to my account. 
Loss of funds : XXXX When I called customer service I was told but I have no choice but follow through this arrangement. 

XX/XX/XXXX PayPal XXXX for XXXX XXXX PayPal blocked my transaction using XXXX card direct pay in XXXX and then automatically converted the transaction into the US {$48.00} instead of {$44.00}. Loss of funds : {$4.00} XX/XX/XXXX I paid an invoice at XXXX XXXX and after selecting the payment option for the British Pounds PP automatically converted the amount of the transaction without my knowledge and consent at the amount of XXXX loss of XXXX I called PP customer service and after being put on hold for approx. 18 min the call was disconnected. When I called a second time the PP manager XXXX ( employee # XXXX ) told me that from about 1 year ago PP instituted a policy of forced currency conversion. I was never informed about this change of policy which is anti-competitive and monopolistic and not in any way I consented to it. 
The overall loss of funds due to this practice is : {$11.00}
Consumer complaint received 2021-03-02
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: Resurgent Capital Services L.P. (PA)

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (AZ)

XXXX and XXXX I missed my car payment because of miscommunication between Westlake Financial Services. I tried to communicate with Westlake Financial Services that I wasnt going to be able to pay the auto-loan payment in full those two months but that i could pay 50 % of what was owed for those two payments.
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (MI)

The called me about an inexistent debt which is dated seven years back. According to a collection agency demand, in XX/XX/XXXX and XX/XX/XXXX, I provided all the necessary docs that prove that this is not a correct claim and they stopped calling. I also notified all credit agencies and the credit scoring services and the note was removed from my credit score after the documents were reviewed. Now I'm receiving calls again from other people saying that they are a different agency called Dynamic Recovery Solutions and started harrasing again. I got a call Saturday evening around XXXX, and two calls on Monday morning XXXX. I explained to them that I have sent or relveant information already to the previous callers and the credit agancies but they ignored me. They kept asking me to verify my address telling that there is a pending unpaid debt. When is this going to stop?
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I filed a dispute with the credit agencies about inaccurate information on my credit reports! These are hindering me from getting approved for any credit and I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2017-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (PA)

This so called debt collector ( " Medical Data Systems '' ) keeps calling but will not give me any information on what debt it is? They only want to collect information from me which I refuse to give them. They call weekly. We told them we do not owe any debts and to quit calling us.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

Someone has filled out a USPS mail forwarding form and it seems the credit card companies and banks use this as an " official '' notification of change of address so I have been making calls and correcting my address multiple times. My email has also been changed with some credit card companies. I've changed user ID and passwords but the USPS info. trumps all of this. 

The fraudulent address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX
Consumer complaint received 2018-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Reliant Financial Corporation (OH)

I had financed a used Vehicle for {$3300.00} from a local car lot that financed me through Reliant Financial. 4-5 months later I was injured at work and medically XXXX from my job for being permanently injured in XX/XX/XXXX.I called XXXX XXXX and explained I was permanently XXXX and dealing with my Health issues and wanted to try and work something out because I had no income coming in due to my health to pay the rest of the amount owed which was roughly {$2300.00}. I spoke with a gentlemen that handled my account and he explained to me that due to my hardship if I voluntarily turned my car in that it would not go on my credit and would not negatively affect me. I voluntarily took them the car at the agreed location and that was it. Years later I look at my XXXX XXXX Credit report and it states my car was reposed, the account was closed and charged off with the highest balance being {$3300.00} but owed like {$5000.00}. I disputed this account through XXXX XXXX I believe 5 times and every time my balance went up each time I disputed Reliant Financial which is now at {$6200.00}. I called XXXX XXXX about the balance kept going up on a closed/charged off account every time I disputed it. The guy I spoke with at XXXX XXXX was very rude and said I was wasting his time and that Reliant Financial or any creditor could put whatever amount they wanted and that I couldn't do anything about it but keep disputing it even though I explained to him to look back at this account and he could see all the inconsistencies but wouldn't. I called Reliant every time I disputed this account and they would just hang up on me or scream or use unnecessary language. I even asked them to take me to Court so they would have to provide all the documents as to how they just keep magically changing my balance on a closed account no response. I looked at my XXXX Credit Report which states I paid off 100 % of the original amount with a {$0.00} Highest balance but then the current Balance from XXXX XXXX from my last Dispute for {$6200.00}. So very unprofessional and ruining my credit being a Permanently XXXX individual because as the the XXXX XXXX Rep said " because they can ''.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (TX)

Collection account still reports as a owed debt, collection was paid. I have disputed to all three reporting bureaus and its being verified by the bureaus as correct. Please see my attached evidence that the debt was paid.
Consumer complaint received 2017-06-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX I have repeatedly requested information every month about this debt in writing only to be told that it is classified information that I need to pay it. They call all hours of the day, are very rude and vulgar, calling from many phone numbers. They have threatened Jail time, bodily harm, and to take out an ad in the local paper. They have demanded payment for {$5300.00} since XXXX 2012, every month I get the same letter. Every month I have sent in a written letter requesting information. Now they are calling my family members and telling them about this debt and threatening jail time for them if they do n't make me pay this debt. I have tried to work with them to get information and they refuse to give any information.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on my credit report.
Consumer complaint received 2017-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (MI)

I made a payment through XXXX XXXX on XX/XX/XXXX. I was told that all I had to do is call in and give them the mtcn number so they can process it on that day then I would n't receive a 30 day late. So I called in the number on XX/XX/XXXX after I made the payment and gave the rep the mtcn number. I get a call on XX/XX/XXXX asking for XX/XX/XXXX payment and he informed me that I would be getting a 30 day late because my payment did n't get their until XX/XX/XXXX. What was the reason for me calling in the mtcn number from XXXX XXXX. Struggling to stay on track misinformed by representatives. I am doing my part yes I 'm behind you have no resources but to ruin my credit and take my home. I have no other choice but to put my house on the market and hope that I can get an apartment thanks Sunwest. I have made payments before on the XXXX of the month and I did n't get a 30 day why now. I am already stressed that things are at a down spiral you would think that I can get some type of break
Consumer complaint received 2018-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX calls every two hours despite my notifying them I could not make the payment at this time. Below is the last email I sent : Your records will indicate I have accepted responsibility for the late payment and trying to resolve. Calling my house every two hours and hanging up before I can answer does not help and would seem to violate Fair Debt Collections Act. Accordingly, I have blocked the number which is my right as a consumer and will update you when I have new information. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I called and asked Portfolio Recovery to stop calling my number for a debt that is not mine. However, the company continues to repeatedly call almost every day, before XXXX XXXX and after XXXX XXXX. I have made it clear that I have no debts to collect and that they are calling the wrong number.
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I supposedly have a debt with fifth third bank. I recieved a call from a XXXX XXXX with a XXXX saying im being sued for XXXX dollars i never recieved a notice in the mail. I dont even know what its all about. He demanded i get a prepaid card and all kinds of stuff threatening me
Consumer complaint received 2018-04-27
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. (MA)

I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX.. 

WHILE ON FORBEARANCE XXXX  HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (PA)

1. My escrow payment was not made for school taxes, resulting in a XXXX % penalty, and i had to pay the taxes out of pocket as the servicer did not have adequate funds to do so. However when i refinanced, there were adequate funds to have them paid by the due date. The loan was sold 3x, and no one know whats going on. 
2. i have asked for an escrow analysis by Freedom Mortgage on XXXX XXXX, i have yet to receive an acceptable answer on whats going on. 
3. Prior to Freedom serving my loan it was serviced by XXXX XXXX XXXX, they did an escrow anaylis, after i changed my homeowners insurance, lowering my monthly payment. However they made an error and sent my insurance company another years payment, it was not due for nearly 10 more months. 
4. Freedom Mortgage said they did not receive my XXXX mortgage payment, i have a confirmation form my bank XXXX that the check had been delivered to them on XXXX XXXX. I recieved a phone call on XXXX XXXX stating my paymetn was not made, i advised i did make it and sent an email of screenshot showing delivery. On XXXX XXXX XXXX ext XXXX called again stating she was colecitng a debt and started to harass me, i explained what happened, i was transfered to an escalation leader XXXX and karlene XXXX, XXXX would put me on mute and hold while i was speaking, when i confronted her about this, she said yes she had been putting me on Mute while i was talking because i am rude for talking over her. The recordings will show evidence of this. 
5. Finally i was transfered to XXXX direct # XXXX, where we were getiting no where, saying she never recieved any of the emails of confirmation of payment, so i stopped payment on the check for {$1400.00} to Freedom, and paid over the phone with XXXX. I was told the payment would show on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and nothing has been taken from my checking account. 
6. I recieved a call form XXXX XXXX, asking me to verify information because Freedom emailed them and said XXXX is the servicer. I have never made a payment to XXXX, the rep form XXXX said you are not in our system, we are not servicing you. No one seems to know who is servicing my loan.
Consumer complaint received 2018-06-30
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. (LA)

I received a call from my mortgage company saying they saw where I was shopping around for a house, well I have not been. I checked up credit report and it shows a hard hit on XX/XX/18 and it said miscellaneous agencies Equifax XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-13
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. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-13
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. (MD)

I, XXXX XXXX XXXX am a victim of identity theft & have one or more fraudulant accounts all 3 on my credit bureaus profiles & will need them disputed & removed as soon as possible
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

in XXXX I agreed to settle the outstanding amount owed by my late husband, I sent the check for {$5000.00}. and since then a debt collection agency calls 3 to 4 times a day leaving no message. The debt has been sent against my credit report as an overdue loan payment The company is One Main and the collection agency is XXXX
Consumer complaint received 2018-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I have had my Lowe 's consumer store card for more than 7 years. In that time I have always paid my monthly bill in full and on time, never late and always paid each payment in full. XXXX XXXX who handles the accounts for Lowe 's, has decided too close my account due too perception. I am recovering from some other bills and fell behind on some other accounts which adversely affected my overall credit score.how can they do this? When I have been a good customer and always paid the bill in time in full. Closing my account affects my credit score, how can this be right. I as the consumer abided by all the terms of my lowes card, again I paid it each month. How can they just close the account??
Consumer complaint received 2020-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (GA)

I can not link my PNC main checking account to my other bank checking accounts via XXXX or to make direct free money transfers between my own bank accounts any longer. I also can not link it to XXXX to pay my mom/sisters for minor small things for $ XXXX we are splitting for free any longer.
Consumer complaint received 2016-11-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (MI)

I had made payment arrangements with XXXX for {$50.00} a month to be withdrawn on a monthly bases for my copay of medical debt to ensure the debt would not go into collections. I have done this for over a year and for some reason they have turned me into collections when I have held up my end of the agreement. In addition, because of my ongoing life long medical condition my current copays go 's to this account to ensure a monthly payment is made to the hospital. Even at the collection of JL Ross the monthly payment is begin received via the hospital. I had over a year ago, made the arrangements for this payment to remain off my credit repost as I am rebuilding my credit. In addition, the hospital never sent anything saying this account would be turned over to collections so I could be able to contact them to have them review there records of agreement.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2016-10-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (TX)

I recently obtained a new lease loan with US Bank. They do not report to consumers what the payment amount is, when it is due or the loan balance. They said they will only report the payment amount and due date ON the date its due. So I will never know what balance is due to be paid until XX/XX/XXXX when they expect payment. They also do not allow online bill pay unless you bank with them. They refuse to accept repeat payments unless you bank with them. They do not enable customers to make ongoing payments, they force you to manually enter your routing and account number every time you want to remit a payment. They only allow customers to make a payment to be drafted the same day, they refuse future/ongoing payment ( s ). Finally, when a payment does not process correctly, they do not maintain the account information entered. Therefore, they can not determine where the error took place, their banking institution or the consumers. This seems to be very shady practices not allowing me to access payment amounts until the very day it is due.