davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I made a purchase from XXXX with my paypal account for {$69.00}. After making the purchase I found that the retailer had lied about its location. XXXX said they were a US online retailer located in Utah. After making the purchase and processing my payment with PayPal I discovered that had been a lie and that the company is XXXX in origin. I immediately alerted PayPal and requested that my payment be cancelled. PayPal denied my request. I went to check my order status from XXXX and XXXX gave me a phishing/fraud alert for that site. I refiled the complaint with PayPal including the screenshots and was again denied a refund. Today XX/XX/2020 I have not received my purchase and when I tried to check the retailers website it no longer exists. I have again refiled with PayPal for a refund and informed them that I have also filed a complaint with CFPB. My paypal case number is : Case ID : XXXX
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-05-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (OH)

See attached letter from Credit Acceptance, which shows a balance of {$2900.00}. This account is very old and has been closed for many years. I look forward to it falling off my report due to age within the next 19 months. However, my credit report is now showing a balance of {$4300.00} from Credit Acceptance, as of XX/XX/2021. This company is attempting to commit fraud.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to file a formal complaint against Transunion, XXXX, and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA for 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error.

2. Failing to provide the method of verification.

3. Failing to provide all relevant info, ( sign contracts, etc. 

In XX/XX/XXXX I sent my first investigation request to Transunion, XXXX  and XXXX  requesting an investigation into multiple inaccurate accounts. Some accounts were deleted, however multiple accounts remained with inaccuracies. In XX/XX/XXXX I sent verification request which allows 15 days in which neither Transunion, XXXX  and XXXX  never responded to my dispute request. In XX/XX/XXXX I sent a third request again asking to have the inaccurate accounts removed, my request once again has been ignored. 
THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. TRANSUNION, XXXX AND XXXX HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNT.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I recently applied to a Citi XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a 780 credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Citi XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Consumer complaint received 2022-09-16
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 difference. 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  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (NC)

Credit Karma has options for credit cards, personal loans, and auto loans that say excellent approval odds. I had clicked on the options because it did say excellent approval. I've been working to repair my credit and I trusted Credit Karma to guide me in the right way to do so when I applied to the companies that were listed. I was not approved but I was denied because of x, y, and z. So on top of spending the time to fill out the applications, my credit was pulled and affected because of a denied application. I feel that Credit Karma should not say that someone has excellent approval odds if they do not. I'm in the process of trying to repair something and damaging it by not knowing it
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

I spoke with the senior manager of the Office of the President ( corporate office ) of XXXX XXXX XXXX who after supplying them with the tracking number for the mobile phones stated that the account would be reduced to a {$0.00} balance. He stated this would be done within 24 hours ( on XX/XX/XXXX ) yet the collection account remains open. Email thread attached for reference.
Consumer complaint received 2020-12-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Veristone Mortgage, LLC (WA)

I secured a real estate construction loan with the lender, Veristone Capital, LLC to finish my renovation of my personal residence. They told me that I had to say it as not my personal residence in order for me to get the loan. I agreed then that I would complete the renovation with the funds and sell the home. However, they have been withholding my draw request funds and making it difficult to complete my project and get the home on the market. This is causing me to pay high daily interest and more and more fees as well as I have now lost critical market time. They charged me over {$10000.00} in loan origination and junk fees as well as an interest rate of 12 %. Now they are trying to string out my loan in order to keep the interest only payments of over {$2000.00} a month coming into their company. I have spoken and emailed the following individuals countless times and they contradict what they tell me each time ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Accounting & Draws Department countless times over the last few months as they started to drastically shorting me on my draw request reimbursements and now owe me over {$6000.00}.
Consumer complaint received 2020-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

XXXX reversed loan back to AES in the amount of XXXX on XX/XX/XXXX. I received letter from XXXX on XX/XX/XXXX that I was 60 pass due on my AES loan. I called XXXX immediately. We had a conference call to AES. They refuse to mail me anything since I was enrolled paperless option back in XXXX. I could not login to online account. There was issue with my legal name but it was important to them to upholding paperless option. Withholding information about loan as it was accruing interest. AES told me the only thing they could do was to put my loan into forebearance. I would need to mail them proof of ID before I could access loan online. XXXX recommended that I call them back afterwards to consolidate loan. That I should try to pay the accrued interest. Once I could logon to my account the accrued interest was unaffordable to me. As I tried many times to get help from AES to roll back balance to XXXX since only receiving letter from XXXX on XX/XX/XXXX informing me to call AES. This loan has skyrocketed way beyond original amount after 9 years of paying it down. I want to consolidate loan balance but not until AES corrects the balance on loan. This problem was created by AES refusing to inform when loan was reinstated by mail, giving me the run around about paperless option, and locking me out of my account.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MN)

JP Morgan Chase Bank, N.A. advertised an offer on the internet to get {$150.00}, I believe, if I opened a savings account and kept the money in it for 90 days. I applied for the account XX/XX/21, I believe, with special offer included and twice did not receive confirmation of the inclusion of the special offer. I declined to follow up the laborious application process with a call to the company when i did, however, receive confirmation, XX/XX/21, I believe, of the opportunity to open the account if my application cleared ; I h0ped they would also honor the offer they had made. I question their honesty. It seems too convenient that my application would clear but the special offer would have some sort of unintended software problem.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (ID)

I agreed to pay shipping charges only for free samples of facial cream and gave the company my credit card number. I received the sample and didn't order any more of the product as it was not something I wanted. Beginning XX/XX/2020 and XX/XX/2020 I was billed on my Citicard the amount of {$94.00} from XXXX and {$97.00} from XXXX. I immediately contacted my credit card company and contested the charges with the promise that it would be investigated and to not pay the charges. The following month on my XXXX bill, I received the charges of {$99.00} from the XXXX and {$100.00} from XXXX. I tried calling both companies both months and received no answer.I also contacted the credit card company and spoke at length with them once again. In between these, my account was closed and another opened. The bank had sent the closed account to collection and I spoke with them, also was told not to pay the contested amount. At this point my protest has been denied by the Citibank and I was told I must pay the full amount plus interest and late charges. Case closed by the credit company. I did receive a second shipment of the facial cream and returned it immediately and was told my account was closed. The CitiBank is now threatening to report me to the credit reporting companies and therefore wreck my credit rating. XXXX, XXXX XXXX XXXX and XXXX  XXXX I have NO product what so ever for any of these expenses being charged. Not only have I been charged for items I did not order but the credit caard company will not support me in this matter,.
Consumer complaint received 2020-12-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Student Assistance (MA)

Hi XXXX XXXX XXXX / ASA ; How are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-03-28
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. (GA)

On XX/XX/2021 I sent in letters disputing inaccurate information on my credit reports regarding late payments, charge-offs, collections and inquiries. On XX/XX/2021 I sent in another set of certified letters to the bureaus but it has been 70 days and I have yet to receive a response from them. These accounts are false and misleading which has caused me to have XXXX XXXX XXXX XXXX!! They are purposely delaying their response and they don't care about my situation! I need help and they are in violation!
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MO)

On XXXX I purchased an RV through XXXX XXXX in an online auction. I did my research and saw years of history of positive reviews on multiple forums for the company. I sent money via a wire transfer to Chase Bank for the RV. The RV was supposed to be delivered on XXXX when the unit didnt show up I started XXXX the company name again and found it was a scam. I contacted my bank ( XXXX XXXX XXXX ) and requested them to recall the wire on XXXX and have yet to hear back from Chase Bank regarding the recalled wire. Chase has advised me if the money isnt in the account I wired to they cant do anything about my money but Chase should be held responsible for allowing a fraudster to open an account with them and should be responsible for getting the money back from the fraudster as they are the ones who allowed the account to be set up.
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

The whole thing started with an email I received confirming an order for an XXXX TV that was placed through my PayPal account for {$690.00}. This was an unauthorized transaction. I called Paypal Customer SupporXXXX line immediately to inform them of this fraudulent charge. I believe that the number was spoofed as I was online with a gentleman who claimed to be a supervisor telling me that the merchandise was sitting in a warehouse in California and someone had used my PayPal account to make this purchase. He then informed me that since there were no physical stores for PayPal in my city, that I would need to go to a XXXX or XXXX to offer authentication of my identity. This man had a thick heavy accent and I was following his directions because he seemed genuinely concerned about helping me protect my account, and my identity. A big red flag went up when he asked me to provide him with the last four digits of the debit card used for the fraudulent transaction. ( He said he needed this to transfer funds to protect me from being charged ). 

For if he truly was with PayPal, this information would have been accessible to him. I refused to give him this information and he became very upset saying he could no longer assure protection for me and I would be liable for the {$690.00} and he hung up. 

I immediately went to my bank and cancelled the debit card associated with my PayPal account. I closed my PayPal account and reported to the Attorney Generals Online Fradulent Division who recommended my contacting the FTC to report this case as well.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have asked the credit bureaus to show me how they have validated the negative accounts & the bankruptcies on my credit report. i have sent them letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated. in addition, XXXX County Courts do not verify bankruptcies via 3rd parties, so how are they being validated as accurate? no proof has been furnished to support the accuracy of these accounts being reported.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (TX)

Sequium Asset Solutions has placed a collection account on my XXXX  credit report. I have called and spoken with them on 4 occasions and they say they can't find anything on me. The collection is for XXXX XXXX/XXXX  which I have never used their services. My last conversation was Sequium was going to get back with me which they haven't.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX {$170.00} XXXX  BXXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$740.00} written off. 

XXXX XXXX  XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX  XXXX  XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX  XXXX {$47.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL THESE PHONE # ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL THESE ADDRESSES LISTED AND THESE ACCOUNTS LISTED ABOVE ARE NOT MINE ^^^
Consumer complaint received 2022-04-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX - XXXX, XXXXXXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX - XXXX.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (NC)

I opened a bank a Schwab online checking and they closed my account, actually XXXX XXXX XXXX and any other bank account that I apply for declines my application and they blame it on information that XXXX has for me. When I obtained my report from XXXX  there is nothing on it, it simply says a few places that obtain the report in the last year. I contacted XXXX XXXX on XX/XX/2021 and spoke with a foreign sounding person who I specifically told not to put my phone number on their database and when I got the report it was their anyway.