davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OK)

On XX/XX/2022 I noticed a payment debited from my checking account for the full Balance owed on my credit card XXXX. I spoke to them explaining how complicated their website is to make payments and that wasn't my intentions. I spoke to a supervisor and they said in 10 days they would credit my account back XXXX dollars and place the balance back on my card. I asked if I needed to call back to do this and they said no they made a note of it and it would be taken care of. By XX/XX/XXXX this did not happen I called back and they had no record of this arrangement.
Consumer complaint received 2021-05-27
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: World Omni Financial Corp. (NC)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

ON XX/XX/XXXX, I MADE AN INTERNATIONAL WIRE TRANSFER THROUGH MY BANK PORTAL. 
ON XX/XX/XXXX, I RECEIVED AN EMAIL SAYING THE TRANSFER WAS COMPLETED, BUT WHEN I CONTACT THE RECIPIENT, HE CHECKED HIS ACCOUNT AND DID NOT SEE THE FUNDS, I CONTACTED THE CUSTOMER SERVICE LINE OF MY BANK AND THEY SAID THERE IS NOT WIRE TRANSFER DEPARTMENT CUSTOMER SERVICE ASSISTANCE AT THAT TIME AND THAT I HAVE TO DO EVERYTHING THROUGH THE PORTAL, WICH I DID, MY FIRST REQUEST WAS ON XX/XX/2021, AND I RECEIVED A REPLY THROUGH MY SECURE MESSAGES SAYING THE WIRE TRANSFER WAS COMPLETED AND PROVIDE ME WITH A REFERENCE NUMBER SO THE RECIPIENT COULD TRACK WITH HIS BANK, WHICH I DID, RECIPIENT HAD CALLED HIS BANK SEVERAL TIMES AND THE FUNDS ARE NOT IN HIS ACCOUNT AND IT DOESN'T EVEN LOOK IN PROCESS, I CALLED BACK TO MY BANK TO THE CUSTOMER SERVICE ON XX/XX/2021 AND THEY TOLD ME THE SAME THING, THAT THEY CAN NOT TRACK OR FIND THE EXACTLY INFORMATION OF WHERE IS THE MONEY, THAT I HAVE TO DO EVERYTHING THROUGH THE PORTAL, I HAVE MADE 3 MORE REQUESTS IN THE BANK PORTAL, EVEN ONE TO HAVE MY MONEY BACK, AND TODAY XX/XX/2021 STILL NOT HAVE AN ANSWER, NOBODY HAS CONTACT ME, I HAVE A LETTER FROM THE RECIPIENT ACCOUNT SAYING THEY HAVE NOT RECEIVED ANY WIRE TRANSFER FROM ME. IS VERY DISAPOINTED THAT A SUCH A BIG BANK LIKE THIS ONE IN UNITED STATES DOES NOT HAVE ENOUGH CUSTOMER SERVICE ASSISTANCE TO US THE CUSTOMERS.
Consumer complaint received 2018-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

On XX/XX/2018 I contacted XXXX about reporting incorrect information to the credit bureau and they was not helpful at all. On XX/XX/2018 I contacted Equifax to file a dispute with XXXX Credit Card and XXXX Loan the lady I was speaking to at Equifax was telling me that I can not dispute information about these accounts because they where not showing inccarute information so I kept trying to explain to her that I have every right to dispute anything on my credit report that is not correct and it's damaging my credit I told her that I have contacted XXXX  on XX/XX/2018 and was told to file a dispute with the credit bureau, so that's what I'm trying to do Equifax would not file my dispute with XXXX Credit Card and XXXX Loan I was on the phone with Equifax for 2 hour 's straight to file a dispute this is so stressful trying to file a dispute with both companies I refuse to let XXXX report incorrect damaging information to the credit bureau those account have been closed on the XX/XX/2018 neither one of my accounts was in collection and I told Equifax and she refused to file my dispute after 2 hours I told her that I'm gon na contact CFPB because I feel like my rights are been violated by both companies XXXX and Equifax I also told Equifax that XXXX did not notify me of any changes to my credit report or updates about the dispute when I contacted them in XX/XX/2018 I have proof that the information they or reporting is wrong I was never in collection with neither account I thought I could fixed this by contacting the creditor and I was wrong they didn't fix it after all XXXX LIED and now Equifax giving me XXXX just to file a dispute to correct information XXXX  reporting incorrect and I never received anything from XXXX stating that my accounts are in collection not once the only letter I received was that my checking account was overdrawn and has been closed I also have proof I have paid them off completely not only that I thought XXXX  was helping me build my credit up but now I feel like the lady I spoke to at XXXX was intentionally hurting my credit after she update the information both companies Equifax and XXXX XXXX have violated my rights under the FRCA neither company wanted to file my dispute or fix the wrong information they're reporting
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: C/C Financial (PA)

ACCOUNT IS SHOWING LATE PAYMENT! THIS ACCOUNT HAS NEVER BEEN LATE AND WAS PAID IN FULL IN AS DESCRIBED IN AGREEMENT. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector of the express permission of a court of competent jurisdiction, a debt collector man not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-03-11
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX  : {$6000.00} ; XXXX  XXXX XXXX  : {$1000.00} ; XXXX XXXX XXXX XXXX  : {$810.00} ; XXXX  XXXX XXXX XXXX  : {$590.00} ; XXXX XXXX XXXX  : {$2300.00} XXXX XXXX XXXX XXXX  : {$670.00} ; XXXX  XXXX XXXX  : {$220.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$190.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-17
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. (NY)

In accordance with the Credit Reporting act XXXX, Accounts Assoiated with Transunion, XXXX, XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 Its also a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2020-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

In XXXX I purchased an item from a third party in XXXX XXXX XXXX XXXX XXXX -using Paypal as the method of payment. The product was 2 folding chairs for {$39.00} shipping included : " Premium  Portable Camping Folding Lawn Chairs with Canopy - COVERED HIGH-GRADE PORTABLE CAMPING FOLDING LAWN BAG WITH CANOPY Premium Portable Camping Folding Lawn Chairs with Canopy - COVERED HIGH-GRADE PORTABLE CAMPING FOLDING LAWN BAG WITH CANOPY '' I used Paypal principally because of their promise : https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security? gclid=Cj0KCQjwhIP6BRCMARIsALu9Lflux312aVeeEiH1HrvqZzWfMit5UMl10qlz2O9ac-Q7MryMFJDrNtAaAlhOEALw_wcB & gclsrc=aw.ds " 1. You were charged for something you didn't purchase.

2. Your order never arrives. 

3. Your order arrives, but it's significantly different than it was described. " I never received the product so I filed a dispute with Paypal ( # 2 ) on XX/XX/XXXX for a return of my money. Paypal responded via email that they would have a decision within a few weeks. On XXXX.20 I received a small little packet with two blue carry bags - that's it. The packet didn't say where or who it was from so I had no idea what i was only that I did not order it. Lo and behold - on XXXX.20 Paypal wrote to me saying my dispute was " case closed '' as I had now received shipment. It appears the mystery bag I received is from the same company in XXXX. With Paypal there was and is no other option to reopen the dispute on the grounds that I did not receive the product ( # 3 ) in question. They do not answer the phones, they do not have an email - only text and the text is a robot that basically tells you what you already know about your account. It appears that Paypal is deliberately set up to avoid any phone calls so that they do not have to honor their promise and if they do not honor their promises, this is not only misleading but are complicit in fraud with these international companies. Furthermore, a quick XXXX search will show that this has happened to other persons as well : https : //www.paypal-community.com/t5/Protection-des-Achats/Is-XXXXXXXX-scam/td-p/2022702 and https : //www.paypal-community.com/t5/Disputes-and-Limitations/Scam-Really-cant-back-money/td-p/1938161 and finally .http : //www.corporate-office-headquarters.com/paypal. There are plenty others as well. Logically one can infer that if this is an ongoing issue with these fraudulent companies and Paypal is not honoring their promise - they too are complicit and abetting these fraudulent companies. A such I would like the CFPB to look into these misleading and fraudulent practices of Paypal. Attached are photos of the product I received instead of my canopy chairs.
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

I had an account with XXXX XXXX XXXXXXXX that was placed on seasonal hold until XX/XX/2022. XXXX migrated to a different billing system and did not transfer my information correctly. The last payment I made was on XX/XX/2022 for {$60.00} and my account had ZERO balance. I found out that on XX/XX/2022 XXXX sent my account to collections by mistake and I was charged a total of {$180.00} for unreturned equipment and other fees. I do not owe money on this account and the equipment was returned/exchanged on XX/XX/2022 when I got service in a new location. I called XXXX and also called Sunrise Credit Services to report and dispute this charge ( SCS Account # XXXX ).
Consumer complaint received 2018-03-01
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: PNC Bank N.A. (FL)

I have been disputing PNC bank chargeoff account since around XX/XX/2017. I want this negative item deleted from my credit report as I believe it has been reported in error. In violation of consumer protection laws like the FCRA and FDCPA.
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC (NV)

Loan with company : CASH1 I am struggling to make payments due to several personal circumstances.

When called the Cash 1 Prelegal Department ( XXXX ) to arrange a payment plan, someone by the name of XXXX responded. I told her the reason why I was behind on my payments and that because of a family emergency, I had to travel out of the country. She said, " that I travel too much and that was the reason I could not pay my loan '' she also said " you are not going to tell me how you want to repay this loan '' among other things. I have been a customer of this company for several years. I am not happy with the way this person responded to me, even when I told her I wanted to repay every cent and needed help repaying with a NV Plan like they have done in the past. 

As of XX/XX/2020 Loan ID : XXXX Balance : XXXX XXXX ID : XXXX Balance : XXXX
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am deaf and my wife contacted kohls to speak them because she is also on the account and she explained to them I was deaf and the representative didnt speak very good English and kept saying I was dead after numerous attempts telling him no I was deaf she thought everything was fixed so I went to fill out for a credit card and received a letter in the mail that I was deceased. This is very bad on kohls customer service and needs to be dealt with I was trying to explain to them that I didnt owe this debt but in turn they put that I was dead.
Consumer complaint received 2021-05-27
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. (AR)

I have contacted all three Credit Bureaus/Agencies ( Equifax, XXXX  ) and the Creditor ( DEPT ED/XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2020-10-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX hiker break my computer and transferring XXXX $ money from my checking account that is citybank and account # XXXX i call to bank an report about a fraud. Bank transferring money without any my identity. If you call to bank to be able start to talk they ask you security questions after that they sent security pin to your mobil phone but international transferring money without any security.After 3 months investigation they close my case and deny my report.I lost money and bank don't want to be responsible at all. That is not right.
Consumer complaint received 2022-07-05
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (NY)

on XX/XX/XXXX i requested a international money transfer from XXXX  XXXX for {$100.00} with XXXX fee for the service. the {$100.00} was deducted from my Chime checking account on XX/XX/XXXX. the party never received the money. XXXX XXXX cancelled the transaction on XX/XX/XXXX but never refunded the {$100.00} to my account. A disputed was filed on XX/XX/XXXX regarding this matter.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CO)

I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I then tried calling but was on hold forever and I had to go. By the time I made the payment the payment was late even though I emailed the company to assist me. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get these removed. Thanks
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account appears to be in violation for 2 reasons. 1 the statue of limiations is expired and number 2 I have no knowledge of this matter never have any child support or any government claim against me.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WA)

Hi there, My husband and I applied for a home loan and unfortunately my credit came back poor due to a collections account from Jefferson Capital Systems. We have not been given enough information to know whether or not the debt is real or how to verify the details of the debt itself from Jefferson Capital Systems or XXXX, who apparently was the original debtor. 

The details fo the debt are below : Jefferson Capital Systems - Opened XX/XX/18 - Balance {$560.00} - Origination XXXX XXXX I am requesting a debt verification from Jefferson Capital Systems as my husband and I do not understand where this collections trade line came from. 

Thanks