davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

As of XX/XX/21 PayPal closed my account for no reason and will not help me with getting it back up and going. I have conducted business with PayPal for years and have never had a problem. I received an email from them stating that I was selling XXXX material through them, however the only XXXX related items I sell are XXXX XXXX websites throughXXXX. Not one of the website collects money from visitors, or has a PayPal payment gateway on the site. I sell many other items on XXXX which are not XXXX products at all and have to use the same PayPal account for all, as multiple accounts are not allowed with PaPal. I have not violated their TOS ... I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for hours now, as no one answers the phone. The time I did get through, the lady said it is final and she could not tell me anything further, that it is decided by another dept. If I have done something wrong at least give me a chance to fix it! They are also holding my funds for up to 180 days. Please release my money immediately, if I can not have my account back. I remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (CT)

Due to the covid pandemic, there was a loss of income in my household that directly impacted my auto-pay from access to funds. I managed to make the payment late and when I tried to inform the company of the circumstances that led to the failed payment they would not listen. They marked it as a late payment and as a result my credit score went down almost 41 points. Its a really bad time but I am still able to make all my payments, even with the loss of income. They dont not treat people like human being, especially in the worst time of lives! They gave me an auto generated response, its like no human being works there and is aware of the unusual circumstances currently taking place in our society.
Consumer complaint received 2021-05-31
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: Experian Information Solutions Inc. (IL)

To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. The original creditor before transferring my loans to XXXX has five reporting accounts on my reporrt. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount.

Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. They marked me late and that reflected on my credit report before the loan was transferred to XXXX.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WI)

Chase credit cards. I had 2 credit cards with Chase. I went online to Chase 's website on XX/XX/XXXX, and paid off the entire balance on both. My balance showed XXXX. One of them was almost {$2000.00} and the other card was approximately {$2300.00}. Whatever the balance on both of them was, I paid them both off in full. A while later on my Chase freedom card, I have a late fee of {$30.00} approximately. I found this out on XXXX XXXX. I called them up, and told them about this issue and that I had paid off in full the balance on XX/XX/XXXX. They said it was interest fees. I did not agree, but paid it, because I do not want my credit score hurt. Them reporting this " late '' fee with was not even supposedly due yet to the credit reporting bureau cost me 23 points. Now today I noticed on XXXX XXXX, they said I owed the {$12.00} and my score dropped 55 points. I do not understand how I paid them on their website online the entire balance off on both cards, and them saying I owe them interest fees that are late when the day I paid them off, it said I was paying off the entire balance. A few days prior to me paying them off I made {$150.00} payments to both credit cards, which was more then the minimum balance. I called and tried to figure it out, and they keep calling the {$12.00} and {$30.00} interest fees even after the balance was paid off in full. Their dishonesty, and lack of help cost me almost 100 points on my credit score. ( These credit cards are in myaiden name XXXX XXXX )
Consumer complaint received 2020-12-09
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: CURO Intermediate Holdings (VA)

On XXXX XXXX, 2020, AD ASTRA RECOVERY SERVIC add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AD ASTRA RECOVERY SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NY)

Had an outstanding business balance with American Express. I was in constant communication with them about our planning and timeline for paying the balance down. The performance of the business only allowed us to pay ~$XXXX/month. Without notice, American Express closed my business card AND personal card and sent the balance to collections which created a XXXX point drop on my personal credit score. When I called back into Amex I was able to negotiate a payment plan, but the company would not reinstate my business card even with the agreed to plan, and would not reinstate my personal card. They informed me that even though I had agreed to their payment schedule, my card would remain with collections and my credit score would not improve. The only solution is to pay the balance in full, which the business cannot support. So on the one hand they are offering a solution which does not alleviate the financial strain they have placed me personally under while on the other they are saying that nothing can be done until the balance is paid off. So my ability to do anything else to improve my financial situation personally (refinancing student loans, consolidating personal debt etc) - things that would give me more cash on hand to better support my family have to be put on hold until Amex is paid in full. This is extortion. Separately, since my business is under XXXX years old, all financing options with reasonable interest rates have to be personally guaranteed by me, so having a poor credit score creates problems in my ability to secure financing solutions for the business for at least a year.
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial sent me a bill from XXXX XXXX in the amount of {$950.00}. The problem is the bill only states that I owe for XXXX. I have no information on the bill of what it is I am paying for. It doesnt tell me what services I received or anything. I have written them certified letters on XX/XX/22 and XX/XX/22 requesting that they send me the information on what it is they are asking me to pay for. So far Ive received nothing. This has destroyed my credit I had a XXXX credit score before and now it is a XXXX. This company is asking me to pay for something that they refuse to tell me what service I received in return.
Consumer complaint received 2021-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As of now I am irritated! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the buyer agreeing! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit detailing ( 1 ) The financial framework is reliant upon reasonable and exact credit announcing. Wrong credit reports straightforwardly debilitate the proficiency of the financial framework, and out of line credit revealing techniques sabotage the public certainty which is fundamental for the kept working of the banking system. ( 3 ) Consumer announcing organizations have accepted an essential part in collecting and assessing customer credit and other data on shoppers. The financial framework is reliant upon the reasonable and precision revealing of buyer organizations. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to purchasers like me. I have connected a few times whining about the off base things on my purchaser report. Well I am complete the process of whining. I request you eliminate these off base things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by revealing incorrect things.
Consumer complaint received 2018-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Card Receivables Fund Incorporated (TX)

I did created a complain about the difficult and challenges I was having with XXXX XXXX XXXX with Debt issue back in XX/XX/XXXX who hired XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in XX/XX/XXXX to send me to court and I was not able to show up ( Complain with your entity cases XXXX, XXXX, -and XXXX ). Court granted them the case and they were very difficult and harassing me all the time since XX/XX/XXXX. I tried a couple of times to negotiate debt with them but did not want to take my personal previous offers. I used a XXXX XXXX XXXX XXXX ( XXXX office at XXXX XXXX XXXX, XXXX   XXXX. XXXX.Tx. XXXX ph # XXXX ) to help me settling issue back in XX/XX/XXXX. I paid them {$5000.00} and they were supposed to and think negotiated with XXXX XXXX XXXX  to clear issue. Since XX/XX/XXXX looking at my credit reports I did not see anything about the Civil Judgment in my records. 
Suddendly, this past Monday XX/XX/XXXX my Bank Account have been garnished not allowing to touch account and I need to pay XXXX obligations. 
I received and email I need to contact the Law Office of XXXX XXXX in regards to my Garnish. I checked and found out XXXX XXXX XXXX had sold old " account '' case to XXXX XXXX XXXX XXXX, XXXX. who hired Law Office of XXXX XXXX ( ph # XXXX ) in regards to my Garnish which comes from Court order case XXXX in XXXX County Civil Court XXXX. 
They are demanding to pay previous Debt of {$10000.00} plus attorney 's fees # XXXX plus 24.99 % for the entire term of debt since XXXX XXXX, plus post judgment fees of 18 % on the principal? of 07.25 %. 
I am really devastated because I already lost {$5000.00} which I thought were used to stele previous amount with XXXX XXXX XXXX and now a new XXXX XXXX XXXX XXXX XXXX, XXXX is using The Law office of XXXX XXXX Texas Bar No. XXXXlocated at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX. Ph # XXXX. 

Please I really need advise because it seems like these entities are trying to take advance of hard working people like me. It seems like they said the total amount of Debt is running in the {$70000.00}. I am a family parent trying to do the right thing but I do not want people trying to take advantage of my situation. 
Greatly appreciate your support. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX.Tx.XXXX
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (WA)

I made a purchase on PayPal and did not get what was described as promised. I contacted PayPal to have them refund my money and they did not. The charge was done on XX/XX/18 to XXXX XXXX for {$2000.00}. They did not provide services as promised. The payment was done via PayPal.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to follow up on my previous correspondence regarding the fraudulent items on my credit report. Despite my previous efforts to rectify this matter, I regret to inform you that the erroneous entries persist, and the issue remains unresolved. 

I understand that rectifying such matters can be complex and may require thorough investigation ; however, the lack of progress and communication from your end is deeply concerning. It is imperative that immediate action is taken to remove these fraudulent items and restore the accuracy of my credit report. 

I urge you to prioritize this issue and undertake all necessary steps to expedite the removal of the fraudulent entries from my credit report. Additionally, I request regular updates on the progress of the investigation and the actions being taken to address this matter. 

Failure to promptly resolve this issue may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will act swiftly to rectify it. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 ; XXXX XXXX XXXX XXXX XXXX, 2024.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I found so you can help me to remove my inquiries from credit report.. ( For Victim of your inquiries issues ). Reason of inquiries I do have in my credit report it is for applying with average or fair credit for to get credit card to improve my credit and Credit Bureau requires more then 11 credit card is more better for improving credit score ( that is the reason I was applying for credit cards ).
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc. (VA)

We are been trying to roll over my IRA from Sofi for last 6 months. They made submit the rollover form twice and also has asked for additional Letter of Acceptance. Now, Sofi is asking to repeat the same process, which was already completed twice before. It just seems Sofi is intentional delaying or deferring to roll over my IRA funds out to another organization we requested.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nathan A Schwartz PA (FL)

Unsecured loan taken out by business which we paid on for years. 
Covid hit and we lost everything! now we had to file bankruptcy for the business and close it. On unemployment and Covid relief for income. 
And now the company proceeds to go after me personalty for the debt when I closed my business and I have nothing left it is not moral and is very upsetting. 
i really don't know if this will do any good but I really just needed to vent my frustration. 
Like I wanted to lose everything and now they reopened an old case to try to get money from me when again I am literally failing at all credit and get unemployment for income.
Consumer complaint received 2018-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I changed jobs after going to XXXX school and became a XXXX at XXXX XXXX. This was a major cut in pay. My fiance left me, and a roommate moved out after my service in XXXX. This was my first home purchase and I am doing everything possible to keep from loosing it. As you can see with my attached bank records, I was paying Loan Care, the company that took over my loan from someone else, that, I was paying them everything I could to prove to them in good faith, that I was serious about keeping my house. As you can see, I was sending them money at least every two weeks and sometimes more. Things have been very hard, but I did not realize how hard until XXXX payment, which I sent LOAN CARE {$930.00}. My bank notified me 2 weeks later that LOAN CARE had rejected my payment. I did not know what for. I had not received any notification via mail from Loan Care telling me they were not accepting anything from me except the full back pay of 3 months. I called every family and friend I could to help me get on my feet again. I did not want to loose all I had. I was unable to pull up my account online with loan care as they had me LOCKED OUT. Attached is proof of the lock outs to my account. I called every number online listed and spoke to XXXX XXXX, from collections who told me I had to pay the entire amount of {$4700.00} which included late fees and mortgage payment IN ADVANCE for XXXX. My bank " electronically transmitted " this to LOANCARE on XXXX. I called Loan Care again. They knew nothing about a payment. I was transferred to collections- XXXX XXXX. I spoke to XXXX on XX/XX/XXXX ( # XXXX ) and XXXX, employee number XXXX XXXX. I don't know what to do at this point as I can not access my account and No ONE knows or has given me a straight answer as to where this {$4700.00} has disappeared. By everything I gather, because my house has a lot of equity, that all LOAN CARE wants is to take it away from me, pretending I am not PAYING. YES, I am scared. I dont know where or who to turn to that came help me. Attached is all my communications with this company, and I am sure XXXX. would provide all of my calls, concerning my communication with LoanCARE. Thank you in advance, XXXX. XXXX
Consumer complaint received 2021-05-31
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. (CA)

0nXX/XX/XXXX I have sent a letter regrading inaccurate and unknown things on my credit file. Up to this day, it is already over 60 days and I never received any response. I feel like they are ignoring my dispute and taking advantage on me. Section 611 ( a ) it is clearly stated that a failure to investigate these items within the 30 days gives a reason to immediately remove those items from my credit report, it is over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.