davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX I have made a purchase using PalPal for an item ( {$2.00} ). 
However the transaction resulted in a XXXX  cash advance fee charged by my credit card. The bank 's explanation which is plausible stated that the transaction information submitted to them by PP listed the transaction as cash advance and not purchase. 
They also stated that this is a common situation with PP. 
On XX/XX/ I contacted PP and after a long wait I spoke with CSR based in their overseas call center. Unfortunately the CSR was not able to even help me as he didn't understand the concept of cash advance which he admitted PP employees ( or contracted ones ) are not trained in the basic concepts of payment systems. 
When I was transferred to the supervisor after about 15 min wait ( employee number given as XXXX ) he told me that he doesn't have any authority to address the issue except to " escalate '' it. 

In short the PP system is designed to specifically deceive consumers and not to address issues by getting them involved in a long and laborious administrative process to get the issue resolved, in this case {$10.00} This type of fraud is simply unacceptable and it is a fault of the regulator to not able to stamp out this pathology with heavy fines ( per incident ).
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank responded to my complaint and there are several inaccuracies stated. According to the documents send to me from TD Bank, states that the balance owed is XXXX however the amount reported is {$14000.00} for XXXX and XXXX for XXXX This is a verifiable inaccuracy by this company. Also, the letter states that the charge off was on XXXX XXXX, XXXX but the charge off reported on my credit report shows XXXX, XXXX  which also is reported incorrected. This clearly shows gross inaccurate reported which is a violation of my rights per 15 USC 1692e!!! I want this deleted from my credit report and I will be filling a civil liability remedy lawsuit for this negligent reporting practice by this company.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have an existing mortgage that has been sold a number of times. The mortgage is at least 15 years old, condominium, and my primary residence. I am a retired XXXX XXXX County employee and veteran of the XXXX. The latest company to hold the note is Shellpoint Mortgage Servicing, who placed forced XXXX XXXX on it without any communication prior to increasing my escrow payments from {$71.00} a month to {$530.00}. a month. It increased my monthly mortgage payment from XXXX a month to {$1300.00}. 
I have since provided them documentation proving the required insurance coverage and they are " supposedly '' reviewing and will then re-evaluate my escrow requirements. From my numerous phone calls I have been led to believe this will soon be straightened out but until Shellpoint Mortgage Servicing took over the loan there was never any problems like this that could and would put me at risk to lose my home. Are mortgage companies not required to notify customers before placing hazard insurance and verifying whether such insurance already exists? The fact that Shellpoint identifies as a Debt Collection firm rather then a a Mortgage Company implies the consumer has done something wrong, instead of a client with a home loan. My once affordable home has been relegated to a debt I can no longer afford by simply being sold to New Rez, XXXX  Shellpoint Servicing. 
There needs to be legislation enacted that protects home owners, especially retired home owners on a fixed income from predatory practices demonstrated by the actions of Shellpoint Mortgage Servicing.
Consumer complaint received 2021-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (LA)

Applied for loan through Spotloan totaling XXXX after applying for the loan and receiving the loan. I noticed that the pay back of the loan was more than the loan which is over 460 % interest which equals XXXX which is over XXXX more to pay in full. The amount for each payment is XXXX now it is XXXX for 6 months to pay back a XXXX loan. I placed a stop payment on my bank account that would block them taking money due to that would take a majority of my VA XXXX. I have been receiving emails constantly demanding the first payment starting in XXXX of 2021 and on XX/XX/2021 i contacted them to resolve by paying a lesser amount that would at the end of the six months XXXX to them but they couldn't do that do to interest of 460 % was occuring. I sent a copy of a survey i was ask of them and they responded i could get a better APR but they will not honor that now i am faced with a huge problem that i tried professional and honorably to pay back but they refuse.
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2018-09-30
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: Experian Information Solutions Inc. (TX)

On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus Experian and XXXX advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and XXXX XXXX has failed to provide any validation of debt as requested. I received a letter from XXXX XXXX showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with Experian and XXXX. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to Experian as well as XXXX. XXXX XXXX is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be removed.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (PA)

FTC filed Macy departments account is no obligation of mines and was the result of identity theft. Macy refusal to remove this fraudulent account violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (TX)

I PURCHASED A XXXX XXXX  XXXX AND WHEN I WENT TO GET INTO THE CAR TO GO HOME WITH THE CAR I NOTICE THE CHECK ENGINE LIGHT WAS ON AND THE DEALER SAID IT WAS PROBABLY DUE TO IT SITTING UP AND THEY HAD JUST PUT GAS INTO THE VEHICLE AND ADVISE ME TO DRIVE IT ABOUT 50-100 MILES AND IT SHOULD CLEAR, I DROVE THE CAR BACK TO XXXX TX FROM XXXX AND THE LIGHT WAS STILL ON SO I BROUGHT THE CAR BACK TO THE DEALER AND THEY KEPT THE CAR UNTIL I CAME BACK FROM OUT OF TOWN WELL WHEN I GOT BACK THE LIGHT WAS STILL ON AFTER THEY TOLD ME IT WAS FIX SO I AGAIN LEFT IT THERE AT THE DEALER TO FIX IT. I WENT BACK TO XXXX TX TO GET THE CAR BACK IN XXXX XXXX AND UPON GETTING IT BACK I ASK FOR THE REPORT OF WHAT WAS WRONG AND IT STATED THAT THE OIL WAS BACKING INTO THE MOTOR SO THEN THE LIGHT WAS OFF. LAST MONTH IN XXXX I WAS DRIVING THE CAR AFTER I GOT BACK FROM OUT OF TOWN AND I GET ON THE HIGHWAY, I CAME TO A RED LIGHT AND AS THE LIGHT CHANGE I GO TO MAKE A LEFT TURN AND THE CAR CUT OFF IN THE MIDDLE OF TRAFFIC SO I CALLED A TOW TRUCK FOR THEM TO COME TOW IT TO XXXX  HERE IN XXXX TX. IT WENT INTO THE SHOP XX/XX/XXXX AND IT STAYED THERE TIL LAST WEEK. COME TO FIND OUT THE MOTOR IS GONE ON THE VEHICLE AND ACCORDING TO THE DEALER/XXXX  THE PRIOR OWNER DIDNT KEEP UP THE UPKEEP ON THE CAR AN THEREFOR IT RESULTED INTO SLUDGE BUILDING UP INTO THE MOTOR. I HAVE CALLED THE DEALER AND TRIED TO SEE WHAT THEY CAN DO TO HELP ME WITH THE INCONVIENCE AND I WAS TOLD THAT ITS NOTHING THEY CAN DO, IVE CALLED THE FINANCE COMPANY THEY TOLD ME THAT I CAN HAVE THE DEALERSHIP UNWIND THE DEAL BEING THAT THEY SOLD ME A LEMON AND I CALLED AND SPOKE WITH THE GM MANAGER XXXX XXXX AND HE TOLD ME HE CANT UNWIND THE DEAL BECAUSE THEY WILL BE LOSING MONEY BUT I HAVE LOST MONEY, TIME, AND A CAR THAT I CANT DRIVE. IVE CALLED THE FINANCE COMPANY AGAIN AND I ASK THEM IF I CAN VOLUNTARY TURN IN THE VEHICLE AND THEY SAID YES BUT IT WILL STILL HIT MY CREDIT AS A REPO. I ASK BOTH THE DEALER AND THE FINANCE COMPANY TO HELP TO SEE WHAT EITHER CAN DO AND BOTH SAID NOTHING. I HAVE GAP, A WARRANTY, AND EXTENDED WARRANTY AND NEITHER WILL HELP OR PAY FOR ANOTHER MOTOR DUE TO THE PREVIOUS OWNER NOT KEEPING UP THE MAINTANCE ON THE VEHICLE. IVED FILED COMPLAINTS AFTER COMPLAINT AND STILL NOT GETTING ANYWHERE.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One sent me an offer on a credit card on the premise that I spend {$500.00} in XXXX days I will get {$200.00} in return. After the XXXX days I had completed the terms I called because I hadn't received the {$200.00} bonus as promised the representative said I didn't qualify for the promotion. I asked her what was the reason. Give me an example of what happened was my XXXX XXXX too low did I not spend the money Etc. Her answer to me was she didn't know why she couldn't give me the reason the exact reason. So the representative put me in touch with a XXXX  I assume. I receive an email couple days later stating it had been resolved and I didn't qualify. Still no exact reason. This is the second time this bait and switch. Credit card promotion that Capital One has fooled me with before. I took out a credit card before this one that I'm complaining about and it had the same features on it spend the money get the bonus. Well lo and behold I didn't get that bonus either. So I feel as if they just wanted me to get that card so that they could get me to take out another credit card on false pretense of a cash bonus they have no intention of paying. I would like to know specifically why I didn't qualify for the offer that they themselves solicited me for. They sent me the offer I didn't go to them. My XXXX XXXX is over XXXX I can have any credit card I want the only reason why I wanted this Capital card was for the bonus reward of {$200.00} that they didn't give me and they have no excuses or reasons why it wasn't given to me. This is a big corporate bait and switch offer that is tricking people every day. I read the terms and service on the offer they sent. because they didn't give me the {$200.00} on the first credit card. So this time I wanted to make sure that I would receive the money if I went through and spent the {$500.00} in the XXXX  days. This is unacceptable that credit card companies like this get away with cheating people. I thank you for your help I just want to call these people out on it and if you can find out the reason. I would love to know! thank you guys so much I appreciate you and all you do.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (MD)

I contacted the original company that held my account ( XXXX XXXX ) who established a call with CCS Collections and told them directly that my account was resolved and that there was no longer a balance. CCS Collections failed to remove the collection from my credit report. After XXXX  days I began calling CCS Collections daily to try to get the balance statement to them to remove the collection from my credit report. I have not been able to get through to them at all. I have sat on hold in excess of an hour on multiple occasions. The credit report does not display my account number so I can not establish a login for CCS. I disputed the account through XXXX and XXXX with no resolution because CCS maintains the information is reported correctly. I contacted XXXX XXXX again, and was told that they have no control over CCS Collections.
Consumer complaint received 2021-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX OF XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

I recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 Syncb/tjx Dc XX/XX/18 Syncb/lowes XX/XX/18 XXXX Fa XX/XX/18 XXXX XXXX
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

My loan on a finance vehicle as a cosigner with Santander consumer USA is being reported in accurate several times after trying to resolve with the company, I was a part of a multi state settlement with Santander consumer USA and my New Jersey attorney generals office, my account is in litigation and is to not be posted to my credit report because the account was paid off and closed, XX/XX/XXXX my account was showing paid off with a XXXX balance, also received a letterFrom the attorney generals office of New Jersey on XX/XX/XXXX confirming, will attach documents
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2018 I submitted a debt validation letter to Transunion and XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it with Transunion in the past. I was advised to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against Transunion as well as XXXX XXXX XXXX for violating my rights as a consumer.
Consumer complaint received 2021-04-06
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. (NV)

There is an account on my credit report that isn't mine. I tried calling the merchant, and they indicated to dispute it, and that they do not report anything to the credit bureaus. So, either the credit bureaus are lying, or so is the merchant, or both. Please remove it immediately as this is a violation of the Fair Credit Reporting Act
Consumer complaint received 2021-04-06
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. (WI)

bankruptcy being reported on credit report, I asked Experian and XXXX  to verify how they obtained this information since the Wisconsin bankruptcy court does not provide court cases to 3rd parties, I do had that in writing. I then contacted pacer since it was a public record and pacer does not provide this information to credit reporting agencies. XXXX  and Experian stated that XXXX XXXX provided them with this information I contacted XXXX  XXXX and the rep told me that XXXX XXXX  does not share information with credit bureaus only insurance companies, but refused to provide me that information in writing, Their calls are recorded. I was not disputing the bankruptcy only that is should not be report to ANY credit bureaus and needed to be removed ASAP. at this point i am ready to take legal action against these companies for not providing me a proper means of verifying this information, who or how it got on my credit report.
Consumer complaint received 2017-09-19
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. (IN)

On my equifax account there is an address reported that 's not mine I 've never lived there ... Also when I people search my name someone else 's info appears along with mine ... Here is the address that appears ... XXXX XXXX XXXX XXXX XXXX, MO XXXX ... it 's the address of a XXXX XXXX aka XXXX XXXX and XXXX XXXX .... My 1st married name was XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX DE XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

RE : INQUIRY REMOVAL While checking my recent credit report. I noticed unauthorized credit inquiries made by the following company : XXXX XX/XX/2021 ALLYFINANC XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give XXXX permission to furnish this information onto my credit report. 
This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documents associated with this account bearing my signature, authorizing an inquiry. 

I also demand of any such documentation bearing my signature, I formally requested that this unauthorized inquiry be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, As per the fair Credit Reporting Act Section 611.