davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

XXXX is the PayPal transaction ID. On XX/XX/year> I attempted a purchase and sent XXXX in error because I misspelled the recipient name. I immediately opened a dispute with PayPal. They didn't read the issue. Below is the text I sent. 


Issue with remittance The money was sent to the wrong recipient Case status : Closed We've closed this case as our review showed that this transaction was processed correctly and an amount of {$800.00} XXXX was successfully transfered to the XXXX on XX/XX/year> at XXXXXXXX XXXX PDT. 
Your responses XX/XX/year> at XXXXXXXX XXXX PDT You provided additional info. 
Please refund the full transaction fee as well. You can see that I did pay the correct XXXX XXXX so do not send him the incorrect payment, please return to my account. 
XX/XX/year> at XXXX XXXX PDT You provided additional info. 
I have asked the wrong payee to return the money and this person has not responded. Please reverse the transaction. 
XX/XX/year> at XXXXXXXX XXXX PDT You provided additional info. 
Should be sent to XXXX Case details Case ID : XXXX XXXX XXXX : {$800.00} XXXX Receiver info : XXXX XXXX XXXX Date XXXX XXXX XX/XX/year> Transaction reported XXXX XXXX XXXX XX/XX/XXXX, Money XXXX XXXX ID : XXXX - {$800.00} XXXX Additional Info Your note : Mistaken payment... entered the incorrect name spelling
Consumer complaint received 2019-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

HI I write to you today to help me find my {$1200.00} that I transfer to my wife via Western Union on XX/XX/2018, tracking number XXXX. I clearly declare to the cashier that the money needs to pick by my wife on Monday, XX/XX/2018, at any time ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX. XXXX ml from my house. On Monday at XXXX my wife announced that she could not get the money because they don't see any money. I quickly called Western Union and they apologized for any inconvenient that they cause to me and I have to return after work to get my money back. After work, I went to Western Union at XXXX and spoke to the assistant manager who advised me to call Western Union again and he spoke with them. They gave me on Monday,  XX/XX/2018, another tracking number to get the money # XXXX. I went everywhere without success. I called them again on the phone and they told me they will investigate that case for 20 business days, when I called they said I have to wait until today I called a lawyer who sent them an email, they denied the letter. Now, I was watching the news and I saw that you can help find the money that the reason I email you all the information that can lead you on the right path. 
I had all ; my police report, my receipt. When I called Western Union on Monday They told me that somebody in XXXX took the money 3 hours after I finished to do that transaction, I told them how come because I specifically said to the cashier that the money needs to deliver on Monday, XX/XX/2018. Since today I am waiting for that money, I hope that you will help me out or I. 
Thank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX Thanks in advance and may God Bless you and your team.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by XXXX XXXX.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank I believe that this bank is not following appropriate adverse action requirements regarding actions and required notices to consumers. 

This company took over several store and PayPal accounts. They have not provided information that was relied on to make credit decisions or disclosed the information/provider. 

I am trying to lower my debt and the company is continually lowering my limits and closing my accounts after payments. 

This negatively impacts my credit utilization scoring. If my credit limit is lowered I will always have high utilization with this company. Something is wrong. So if you lower my limit to XXXX after I pay it down from XXXX, my utilization will be at 100 % until I pay off the account. 

I believe it is being used to harm consumers and deter or penalize consumers for attempting to curb and pay down their debt quickly. Although, I have paid off the accounts it looks like I just maintained 100 % utilization. 

The most recent action was for my PayPal account mastercard. The limit was lowered from XXXX to XXXX the day after I made a large payment. This action will negatively affect my utilization scoring. The alleged adverse action notice references that action was taken XX/XX/scrub>XX/XX/2024 based on information received from XXXX XX/XX/scrub>XX/XX/2024. 

There is no reference to information or disclosure of information, the type of information, or who the information was received from to make the decision on XX/XX/scrub>XX/XX/2024. How can I dispute information that I do not know of. It does not make any sense. I am not sure if they have to pay for or obtain my consent to obtain an credit information, but this action and process is not on the up and up.
Consumer complaint received 2017-09-26
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. (IA)

I was unable to freeze my accounts with the link offered by Equifax. There was no way to get it to work, I tried on multiple dates. Help, as time goes by, I am afraid that my accounts will be drained and my social security number used.
Consumer complaint received 2017-07-08
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)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified That I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (NV)

XXXX Contacted XXXX Reported fraudulent Web site XXXX Reported Fraudulent Business operating illegibly to XXXX XXXX XXXX Contacted Bank to dispute over XXXX in withdrawal of funds They only had a phone number - no other information XXXX Contacted XXXX XXXX  XXXX ( company is in Illinois on paperwork ) NO evidence of amount owed or proof of debt Illegally filed in Arizona which violated FDCPA laws- State and Federal laws were violated as there is no Garnishment of Bank accounts allowed XXXX Contacted XXXX XXXX XXXX XXXX, AZ Superior Court Records Dates for case dated in XXXX  do not match case number on fictitious paperwork. 
NO such Judge or Clerk residing XXXX Contacted Superior Court Records department - Discussed inconstancy with dates in comparison to Case and paperwork Materials appear to be falsely used - Garnished Bank funds including Checking and Savings accounts Violated FDCPA laws- Violated the timeframe according to the Statute of limitations is deemed to have expired. 
The debt collector attempted to sue me on a debt where the statue of limitations expired- please have this dismissed!
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A " hard '' pull was performed on my individual account by XXXX on XXXX XXXX, 2016. The address listed for the inquirer is XXXX XXXX XXXX, XXXX, TN XXXX. Phone number : ( XXXX ) XXXX Credit report states that this is from the automotive category. We have not had a auto purchase or inquiry at that time frame.
Consumer complaint received 2022-07-20
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge differenceXXXX XXXX  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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

I recently visited XXXX and requested an online copy of my three free credit reports. I received my free credit reports from XXXX and XXXX but not Experian. I attached a screenshot of their denial to give me my free credit report for a SECOND TIME. I attempted to call Experian to get my free credit report and credit FILE over the phone for the third time, which they said they would mail in 15 business days but have failed to do so. As a consumer, I am now demanding a copy of my credit reports and credit FILE from Experian, XXXX and XXXX.
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

XXXX I sent $ XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, to my friend XXXX XXXX XXXX ( I have done this many times but not so much as this time ). When she went to bank to get money they refused to give it to her. Saying there was a scam. Money gram says transaction was completed. When I called moneygram they said nothing about a scam. I have filed claim with money gram. They are investigating which may take 90 days. The bank has the money this is fraud. Maybe you can contact moneygram to get money paid to my friend. She is in the XXXX XXXX in XXXX. 
money gram transaction number XXXX a little push from you now may moneygram to contact the bank get release of money I would appreciate your help now, Thanks XXXX
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MI)

I used my credit card within my limit as I normally would. The account has been restricted and I wasnt told why other than something triggered a response in their department. Ive called numerous times and my account is still restricted over a week later. Im not given a time frame of when I can usee my account. After reading about this companys practices online in similar cases, it looks like many people are restricted from using their cards for over a month.
Consumer complaint received 2017-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.
Consumer complaint received 2019-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/2019, I applied for a {$40000.00} auto loan. Due to starting a new job, I provided to Navy a copy of 1 check consisting of two week pay ( {$8800.00} ) and my offer letter detailing that my yearly salary is {$190000.00}. It is clear that I am able to afford a loan of this type. But according to Navy personal, because I am on a contract I do not qualify for a loan and was denied. After speaking with them, I requested to modify the loan terms to {$20000.00} and 1 year loan. That too was denied. This is America, therefore, not every job is guaranteed. I was told, due to the fact that there is an expiration date to my contract I would not qualify for a loan. As a part of that offer letter, it states the possibility of extension. For every contractor, work is based on a length of time. Navy Federal has discriminated against me. And, most federal jobs today are based on contract. Navy Federal is denying those with the ability to pay loans solely because they are on a contract. 

I would like to have the discrimination practices stop by Navy Federal Credit Union.
Consumer complaint received 2021-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent
Consumer complaint received 2019-10-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Performant Financial Corporation (TX)

I took a 5 student loans out in XXXX, for school totaling less than 6000 dollars. I never graduated. I consolidated these loans at 7 % and paid most if not all in full. 

I have had financial bumps in the road and have filed Chapter XXXX twice. Now I am told my loan in totaling XXXX dollars. I have asked for a detailed payments that have been applied, tax refunds that were taken. 

I never have gotten a detailed statement. Only a statement of what they think I owe I was told that the interest and fines accrues quickly. Also the 7 % interest rate I signed is on each separate loan consolidated. Which is an interest rate really of 35 % That in my opinion is a preditory loan Now they want to garnish my wages. I am still very financial unstable. 

I cant believe that this type of federally sponcered loan practice can happen
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

I have been receiving unsolicited phone calls from a company called Diversified Consultants that does not identify itself. They contact me using different incoming phone numbers and never leave a message. After doing reverse phone look-ups, they appear to be some kind of " Commercial Recovery, Self-Service Technology and Pro-Active Outbound '' agency. I have not received written notification via the US Postal Service or email as far as why they keep calling me. I do not owe money to anyone personally or commercially and I am not interested in self-service technology or pro-active outbound activities. One website states this company focuses on telecommunication debt. Huh? I have cell phone, landline phone, internet and TV service that has never been cut off due to unpaid bills. 

I want this company to STOP the harassing phone calls to my personal cell phone. 

Dates and times of the unwanted calls : 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 I am not able to retrieve previous phone calls from this company on my cell phone. This company will not stop calling even when I block their various incoming phone numbers.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NV)

This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/XXXX. 
2. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
3. I made a payment of {$650.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
4. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
5. I made a payment of {$25.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
6. I made a payment of {$34.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
7. I made a payment of {$7.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
8. I was then charged a {$50.00} late payment fee on that {$25.00} minimum payment that was due on XXXX/XXXX/XXXX. 

This makes no sense to me no matter how they try to explain it. Basically my payments were too early even though they were all paid in the same month. I paid {$920.00} towards my credit card balance all in the month of XXXX when I only had a {$25.00} minimum payment due for XXXX, but somehow they were able to charge me a {$50.00} late fee. 

I pay my bills the first week of the month, I can not understand how my payments do not count towards whatever I have due in that same month. This is absurd. It seems like just another way Wells Fargo is fleecing the consumer.
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Advantage LNS Inc. (AZ)

I contacted National credit audit requesting a pay in delete agreement. When I spoke with the individual XXXX she read my the attempt to collect verbiage on my first call I told her my concern and asked kindly if she could help. She said they could pay to delete if fully payment was received, I indicated I did not have the funds for the full amount owed and would be willing to settle to pay to delete. She said well we cant do that. I said wel I can not afford to pay the debt in full unfortunately. She said well thats the only time we will offer this to you with attitude. I said well thats a little rude. She then proceeded to say no youre rude for not paying your debts. I felt very attacked and asked for a supervisor. She stated no one was available and hung up on me.

I called back again and asked for a supervisor but was transferred to XXXX again about 5 minute later. She said no XXXX theres no supervisor and in the beginning did not read the attempt to collect verbiage. I said that is not allowed to my understanding and you shouldve read it first. I believe she violated the collection laws by not reading the verbiage but also attacked me for being kind and honest in that I could not afford to pay today.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (VA)

XXXX XXXX XXXX  reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX XXXX is reporting negatively on my credit report XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit. 
Account # 1 {$280.00} Balance XXXX XXXX Original Creditor {$280.00} High Balance XXXX XXXX, 2016 Opened Date XXXX XXXX, 2016 Last Reported Individual Responsibility Placed for collection Remarks Note I would like the items removed from my credit report, updated bill notifications, and payments reported correctly to credit bureaus.
Consumer complaint received 2017-04-25
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. (GA)

I 'm filing a complaint against Equifax & the incorrect reporting of a collection account for   XXXX   XXXX   XXXX  , which is working on behalf of   XXXX   XXXX   XXXX   XXXX   XXXX  . Equifax is reporting negative information about a medical ambulance bill that was paid on   XXXX     to   XXXX   XXXX   XXXX  . I have attached a copy of my receipt that was emailed to me directly from   XXXX   XXXX   XXXX  , so I 'm a little unsure why it was sold to the collection company   XXXX   XXXX   XXXX   in the  1st pla ce. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files  ASAP &  all further collection actions & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time.