davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
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: SYNCHRONY FINANCIAL (VA)

I received a PayPal Master Card statement during the week of XX/XX/XXXX in the amount of {$15.00} for two unknown business transactions as listed below : Tran Date Post Date Reference Number Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX FL {$6.00} 0 % PROMOTIONAL APR XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX FL {$8.00} 0 % PROMOTIONAL APR I called PayPal Credit Services numbers XXXX XXXX and XXXX ( for my PayPal account ), and spoke with 4 different PayPal Customer Service Representatives : XXXX XXXX 1rst ), unknown lady name ( 2nd ), XXXX  ( 3rd ), and XXXX ( 4th ) on Saturday, XX/XX/XXXX to report for these fraudulent business transactions. None of them was able to assist me to deal with/resolve this problem. The first one just simply hear what I said to him and then asked to to wait on the line so that he can forward me to the correct phone line. They just repeatedly did that until when I reach to the 4 person, and each time they put me on hold for several minutes of waiting on the phone line. I logged in to my PayPal account and sent an email to request for closing of this PayPay Master card due to these fraudulent charges, and received an email response on XX/XX/XXXX to ask me to contact PayPay Master Card phone number at XXXX to dispute for these transactions. On XX/XX/XXXX, I logged in to my PayPal account and found that a new fraudulent charge was shown up on my PayPay Master Card account as listed below : XX/XX/XXXX XXXX XXXX FL XXXX I called PayPal Master card phone number and spoke with XXXX, a PayPal Master Card Customer Service , I reported all three fraudulent transactions mentioned above to him, and he told me that he will give me the phone number of that business entity so that I can speak with them directly to find out and disconnected the phone. I called to the given number at XXXX ( the fraudulent business who charged me 3 times within a few weeks for unknown business transactions with them ), and no one picked up the phone. A voice message asked me to leave a message, and I just disconnected that phone call. I logged in to my PayPal account online, clicked on the PayPal Master Card balance link to connect to the XXXX XXXX and  requested for closing my PayPal Master card account, and also made a full payment of {$24.00} to that account while waiting for the dispute to be processed because I don't want these dispute transaction would impact my current excellent credit scores.
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX of XXXX, I refinanced my home mortgage with Chase ; I had a 30 years fixed and changed to a 15 years fixed. 
It got approved and I scheduled automatic payments twice a month, on the XXXX and XXXX of each month. I discussed this with the mortgage specialists XXXX XXXX and XXXX XXXX. 
After a couple of months of payments, I noticed in the mortgage statement that I owed more than what I should. Please note that the statements do not disclose what the different items are about. It's only received by email, and with a final amount to pay. 
I asked them what was that number about since it was way more than what I should be paying and received an explanation in writing that didn't properly explained the problem. ( see email XXXX ) After 2 years, and always paying under automatic payments, I looked for another mortgage broker looking to purchase a new house, and she makes me notice of a debt that I've been accumulating with Chase. 
I called the bank to understand what was it about, and no one could properly explain me the reasons, it escalated until a supervisor noticed that I've been charged with late payments since the first month, since my second scheduled payment was on the XXXX and not the XXXX, which was the deadline to avoid interest charges for late fees. 
I complained about this, since I've never received a notice of late payments, neither a clear disclosure in the statements. It's outrageous. 
The supervisor initially agreed with me and removed the late fees for only 2 months and told me that will escalate this issue for further authorization. It was denied and now, after 2 years, I owe the bank {$3700.00} in late fee charges. 
It's not acceptable under any concept. I'm being charged with a 5 % late fee each month since the beginning of the loan for the whole monthly payment. 
I hope you can help me with this. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (TX)

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to this company.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
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: TD BANK US HOLDING COMPANY (TN)

I opened an account with XXXX in XXXX of last year when I purchased multiple electronic devices including a new mobile phone and smartwatch. 

When I signed up for my account, I was advised that financing would be offered via XXXX. However, I always received an error when I tried browsing to that site. I was never provided clear instructions on how to make my payments, nor was I given fair notice that I was being delinquent and at risk of being reported. It was not until after a missed payment report to the credit bureaus was filed that I was finally contacted and advised to make payments via XXXX. 

I have called and emailed both XXXX and the TDBank-sponsored financiers regarding this issue and requested that they retract the delinquent report, but keep getting nowhere. My last call today basically told me they can not /will not help. My credit history had an impeccable record until this single, unfortunate incident, which has caused my average score to drop almost XXXX points.
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have had problems with my account for a while - either double charges from the merchant or simply using the wrong card - while my account was restricted I wasnt able to produce the proof of it which I have - now Im looking at my account being negative and when I spoke to a rep name XXXX today XX/XX/2019 he told me that the documentation wasnt received and they reversed it - I explained to him of course because due to the account error that was just fixed I wasnt able to access my account. Again my parents are on my account which I thought I remember them months ago because Im old enough but now this is effecting them. I need 2 things. 1 to have my cases reopened And my account not negatively and I need my parents removed like I though I had.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (VA)

NEW COMPLAINT : No credit of refund of  XXXX  issued by  XXXX  on   XXXX  .
<P/>
Number 3 ACTIVE UNRESOLVED COMPLAINT. SunTrust still forcing my account open due to refunds owed TO ME BY SUNTRUST.
<P/>
Suntrust has made ZERO CONTACT WITH ME ON ANY OF THESE OPEN AND UNRESOLVED COMPLAINTS.
<P/>
I want SunTrust to contact me ASAP, explain What They intend to do to help me and a projected time frame for resolution to return my STOLEN FUNDS.
Consumer complaint received 2015-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JLU Asset Management Group LTD (OH)

I 'm being called by ( XXXX ) XXXX. He wont tell me his name, what company hes calling from and is asking for XXXX XXXX, and " you must know her tell me where she is. '' He keeps calling and will not let me talk to a supervisor because he says he is the supervisor. Very rude on the phone
Consumer complaint received 2017-10-16
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: General Motors Financial Company, Inc. (WA)

There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
Consumer complaint received 2017-06-02
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. (ND)

The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XXXX   XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous tim es ( si nce  XXXX   XXXX   ) o nly to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control (CA)

I spoke to a company that is reporting inaccurate information on my credit report they advised me that they dont have a email or a process in place as far as time frame for the inaccurate information to be removed from my credit report. They advised the service was rendered on the XXXX of XXXX and this is ruined my credit by 30 points with no end on site. I want the company to remove the inaccurate information from my credit report immediately. I would want paperwork to be provided of the service rendered as well as the debt amount showing that it has not been paid or is owed.
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (GA)

XXXX XXXX XXXX is attempting to collect a debt that I do not owe. My credit profile took a huge downfall due to the company reporting several accounts as collection accounts. The information they are reporting to the credit bureaus is incorrect. The company bought this medical debt and the original creditor is XXXX XXXX Department. The accounts that XXXX XXXX XXXX are attempting to collect have " service dates '' that were covered under a charity care that was provided to me from the hospital, XXXX XXXX XXXX XXXX. XXXX XXXX Department utilizes this charity care program as well. Due to communication issues not involving me, my charity care was not forwarded to the XXXX XXXX Department and my coverage was not applied to several accounts. In addition, these same accounts were sent to collections without notification to me and, as expected, really hurt my credit profile. In an attempt to help this matter, I provided documentation to the XXXX XXXX Department showing that I was covered 100 % during the service dates. I have had several communications with XXXX XXXX Department over the phone and via email and they are aware of the situation and said they have forwarded information and documentation to XXXX. However these accounts are still reporting as of today. I feel this is unfair and I would like this fixed immediately. I want to ensure that XXXX XXXX XXXX corrects these errors, remove this information, and cease reporting this incorrect information to all three credit bureaus. I also want to prevent this incorrect information from being reported again in the future and/or sold to another collection agency. I would like this situation cleared up immediately. Thank you.
Consumer complaint received 2017-10-16
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: Consumer Portfolio Services, Inc. (WA)

There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
Consumer complaint received 2017-06-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (VA)

I have been trying since  XX/XX/XXXX  of this year 2017 when I was laid off until   XXXX   XXXX    2017  when I finally went back to work to get payments straight i got behind during the lay off and have been contacting and trying to get this straight I completed all the paperwork they sent me over and over because the keep saying things are missing I always catch up my payments after a lay off but they will not work with me they sent out a demand letter after i had been contacting them as soon as I knew about the lay off and that i would have to make up payments because i had no income during this time and all they did was send paperwork and keep asking for more and more and refusing to set up the payments they will not talk to me I am fed up with this company I know they can help me I have worked with other mortgage companies and they always help but I think this company is stalling so they can take our property behind out back I ca n't afford to lose my family and I have no where else to go we need our home we need help fighting this company and getting them to help us with catching up and getting back on track which can be done if they would just listen to us and help us get these payments paid oh the companies is FAY SERVICING LLC and they are awful we had a mortgage with   XXXX   XXXX   and they sold or traded our mortgage to this company last year with out our knowledge until it was all done and we have had nothing but trouble ever since they are mean hateful people and will not discuss anything they just keep saying that they ca n't help because the demand letter has been sent out that is a  crock       XXXX   XXXX   sent out demand letters as well but they always helped us work out payments so we could keep our house this company is not out to help they just want to take everything I have worked hard for and I ca n't let the do this I need someone to listen to me and get this company to listen and quit saying there is nothing that they can do for us ..
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

My father recently granted me Uniform Statutory Form Power of Attorney, California Probate Code Section 4401, noting further within the Power of Attorney Document that I " shall have the power to act on my behalf in my capacity as Trustee/Trustor of The XXXX Family Trust Dated XXXX XXXX, XXXX '' While this document was immediately honored by XXXX XXXX XXXX with whom my father also banks, CITIBANK has refused to do so. Instead, they have cited the need to have my father personally enter the branch and fill -- out additional forms that I believe to be exclusive to CITIBANK and wholly unnecessary if not illegal. My Father is away until XXXX XXXX and it is therefore impossible for him to appear. 

Currently my father has XXXX separate checking accounts with CITI BANK ; a joint checking account with my mother who is deceased and an account in the name of the family trust. I have placed several phone calls with XXXX separate branches in an effort to resolve this matter but to no avail. Moreover, I have been denied access to speak directly to the CITIBANK 'S legal department and have been, instead, directed to speak only to branch officials. 

I would like to know under what authority does CITIBANK have the right to act in this manner and why XXXX institution, in this case XXXX XXXX XXXX, had no issues with power of attorney while CITIBANK continues to put forth obstacles for granting my father 's wishes.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

I sent {$500.00} on western union. I paid the cash in person at a local western union retailer. Then I was told it was on hold for no reason whatsoever, so I said I want a refund. They said they will refund me after 1 business day. It has been a week and no feedback whatsoever on the refund. Each day that went by, I called 3 times a day. Each call, they always end up hanging the phone or either transferring my call to someone else who will also hang up on the phone. I tried my best to do what I can but they do no want to cooperate at all. I am suspecting this is how Western Union are scamming their customers. So they can end up stealing the unclaimed funds. For whatever reason, I need my money back and I am not going to stop until I get my money back even if it takes a life time. I will pledge my entire life exposing Western Union until I get the money they stole from me. This is daylight robbery and I will not allow it. Thank you!
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (CA)

I DID NOT AUTHORIZE THESE INQUIRES REPORTING ON MY CONSUMER REPORT. CAN YOU PLEASE INVESTIGATE AND CORRECT THESE ISSUES. 
I AM A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. INQUIRES : THE XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2017-10-16
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (HI)

This is a fradulant student loan consolidation company. When I signed up for the consolidation I was promised over the phone that if I consilidate with them that my loans would be relieved in 3 years. After a lot of research and talking to XXXX and XXXX I found out that im basically paying these people {$39.00} a month for them to do nothing ( all thry did initially was submitted me for PAYE, pay as you earn on XXXX ) and I signed a contract with them thinking I wouldnt have any more loans to pay in 3 years which is absolutely not true. I was misguided and being naive about the situation and they scammed me and now they are cold calling me, and my family ( I have no idea how they got my families information, my family lives in XXXX and I live in Hawaii ). I have terrible credit now because of this company but refuse to pay into this scam so do n't know what to do, please help if you can, thanks!