davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the 5 late payments I want the trade line to be deleted.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MD)

I have had numerous people try to send me a reimbursement from the Paypal app or website. Paypal defaults to payments for " goods and services '' which takes a percentage of the payment. The default is confusing and tricky to fix. When they mistakenly do not toggle this off, the wrong amount is received because of the fees. When I return the payment to have them try again, Paypal still charges a fee to the sender because of the original selection. This happens over and over again, and the fees just keep adding up.
Consumer complaint received 2022-10-21
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: Exeter Finance, LLC. (MS)

I will be filing a lawsuit against the Exeter finance company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX  XXXX XXXX XXXX  XXXX. I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 

XXXX XXXX XXXX XXXX : XXXX Home Office : XXXX Home Office Fax : XXXX Corporate Office : XXXX XXXX XXXX XXXX : TBA Email 1 : XXXX Email 2 : XXXX Company Email : XXXX
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/22 I authorized a payment for {$1400.00} to be made to my mortgage company out of my house account. On XX/XX/22 I checked my accounts and saw that they deducted that payment but also made the same payment amount to a different part of my mortgage company out of my other account with Wells Fargo. I called Wells Fargo and spoke with two different people and they just kept repeating that I have two payment amounts to my mortgage company. I explained to them why I do and that that wasnt the reason for my call. After them telling me to delete one of the payment amounts with my mortgage company I got frustrated and disconnected the call. Wells Fargo basically refused to correct a {$1400.00} error made on their end and I am now stuck with the hassle of trying to get my money back.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I am in the process of buying a house. Equifax has blocked me from seeing my credit score. Anytime a lender runs my credit they can not see my score or report. I have called Equifax support 54 times all together. They put in cases to fix it but it never happens. I cant buy house and I did nothing wrong except trust Equifax. I even paid money on XXXX to get it to work and It still wont work. I call them everyday and everyday its a new story. First it was I needed to verify my account so I faxed in a copy of my drivers license, social security card, and a letter stating to remove the hold they put on my account. Then they said its a glitch in the system, and they put in a case stating it would take 7-10 days to fix. That was 5 weeks ago. I even wrote to the XXXX XXXX XXXX. And Equifax responses with nonsense and no help at all.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

XXXX XXXX is trying to charge me for cable service after I moved to XXXX and my tenant had occupied my home in XXXX  and had XXXX XXXX XXXX cable/internet installed. They were suppose to disconnect service on XX/XX/XXXX. I have told them that I was not there and have proof of being in XXXX and of my new tenant having XXXX XXXX XXXX installed within a few days of my move. This is now hitting my credit report. The amount is for XXXX. Any assistance would be greatly appreciated.
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

There are XXXX separate companies involved for this complaint. Numerous request have been made to all three companies to close my escrow account and refund my money, to that I can pay my taxes and insurance myself. 
XXXX. Fay Servicing , LLC 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, severely misapplied payments on my mortgage account. 
XXXX XXXX XXXX XXXX XXXX XXXX ( not recorded on my property deed ) supposedly received my loan from XXXX, effective XX/XX/2022. Payment was made to XXXX XXXX XXXX on XX/XX/2022 for XX/XX/2022 XXXX & I, only. XXXX XXXX XXXX XXXX XXXX received my XX/XX/2022 XXXX & I only payment via bill pay, and received my XX/XX/2022 XXXX & I only payment by money order. but did not apply my payment for XX/XX/2022 Principal and Interest, Only. 
XXXX. Fay Servicing , LLC who is also not recorded on my property deed, is harassing me with threatening letters and payment statements. 
A written request to close my escrow account and refund to XXXX XXXX XXXX XXXX XXXX Subsequently a written request was also sent to Fay Servicing , LLC. 
A phone request was made on XX/XX/2022 to close my escrow with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. A Fay Servicing , LLC representative stated by phone, that there is no way to speak with anyone in the escrow department, as they do not have phones, nor take calls. 
XXXX. Fay Servicing , LLC representatives stated by phone, that there is no place for me to take my mortgage payments to in person. 

Fay Servicing , LLC is attempting to threaten me with foreclosure proceedings, even with proof of payment for XX/XX/2022. They ( company and their representatives ) are trying to bully me into paying them, causing me unnecessary mental stress and emotional discomfort. 
Neither Fay Servicing , LLC nor XXXX XXXX A as trustee for XXXX are recorded on my property deed. 
XXXX. Not only have my mortgage payments been made on time, before the due date, I have paid more than the monthly mortgage amount, for over XXXX years. 
XXXX. Fay Servicing , LLC has multiple return addresses and XXXX XXXX XXXX ( IL, TN, TX, CA ), but I have no way to walk my payments for Principal and Interest Only into a XXXX XXXX, in order to make sure my payment is applied correctly.
Consumer complaint received 2022-03-15
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. (CA)

XXXX XXXX  had a representative from the SECURITY DEPARTMENT contact me. She called from the number, ( XXXX ) XXXX. She asked me to verify my identity, I gave her the last 4 of my social and address I have lived at for the past 20 years. She responded by saying, that is not the address I have for these accounts. I then told her she probably has the fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. She stated, correct. I explained that she had a fraudulent address that was outlined in my police report and FTC report. She then told me that the XXXX XXXX address was mine and a valid HOME address. I told the lady she was incorrect. I said I had gone to the actual address to see what it was and it was a store called The Mail 's Inn, filled with nothing but po box es. She told me that was incorrect and the XXXX Bank accounts with my name were valid. I then explained to the woman from XXXX XXXX XXXX XXXX DEPARTMENT that it was impossible for me to have opened and used said XXXX Bank accounts, as my personal information had been compromised for over XXXX years and there were several accounts and loans opened in my name that were fraudulent. I asked her to produce information that shows ME, the person working in the XXXX, as the same person in the XXXX using these accounts. She could not provide any proof. She then said she didn't know I worked in Entertainment in the XXXX. I asked her to not contact me again and to remove my name from these XXXX Bank accounts because of identity theft and fraud. It escalated into a screaming match where I hung up the phone. I ask for your help to have XXXX Bank remove my name from these fraudulent accounts and NEVER contact me or make idle threats towards me again.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

I received an alert from XXXX that my credit score dropped XXXX points, from XXXX to XXXX, when I looked at my report I find that XXXX has reported the wrong balance to XXXX, they reported {$1300.00} when in fact my current balance on XXXX was {$370.00}, this increased my credit utilization by 5 % and thus lowered my score. When I called customer service they claim that Goldman/Marcus is not yet reporting anything to the credit agencies but my report clearly shows its Goldman and XXXX is marked paid on XXXX which is accurate. 

GOLDMAN SACHS AND CO Exceptional payment history {$1300.00} Balance updated XXXX XXXX, XXXX  > looks like they reported the wrong year
Consumer complaint received 2022-10-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

Dear Sirs/madams : I am writing to ask if you can provide any help on my case. 

I am XXXX XXXX XXXX, residing at XXXX XXXX  XXXX, XXXX, GA XXXX. 

On XX/XX/XXXX, through the Seller 's closing attorney 's XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX, I bought my current house located XXXX XXXX XXXX XXXX, GA XXXX. The transaction was processed and completed by the closing attorney 's office. 

On XX/XX/XXXX, I received an email from the closing attorney 's office to inform that the Seller 's bank may foreclose on my house and asked me to call them. I then called them and they let us know that it was Wells Fargo 's mistake to wrongly calculate the Seller 's payoff balance short of {$6600.00} USD. On XX/XX/XXXX ( more than three weeks after the closing date of the house was XX/XX/XXXX, Wells Fargo sent a notice to the closing attorney 's office to inform that the payoff was short in the amount of {$6600.00} and asked the Seller to pay off. The problem is that the Seller ran away and could not be contacted after she got the money. The closing attorney 's office asked me to contact my title insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, if they could provide any assistance. After emailing back and XXXX, on XX/XX/XXXX, XXXX XXXX XXXX, Assistant Vice President/Southeast Region Claims Administrator, emailed me and confirmed that " my case is a covered matter under the terms of my Homeowner 's Policy of Title Insurance and agreed to pay the amount owed to Wells Fargo for release of their lien against the property ''. I thought the problem has been solved because I could not hear anything more from either the insurance company or the closing attorney 's office. Just late yesterday evening, XX/XX/XXXX, I received a Notice of Nonjudicial Foreclosure Sale of my house and asked to pay Wells Fargo an amount of {$140000.00} USD. The owed current amount is very large and not related to me while I paid off to buy the house legally. I also paid off all kinds of taxes related to the house to the government. It was Wells Fargo 's mistake but they now could not get back the owed amount from the Seller so they are claiming the problem on me and my house and threatening to foreclose. So, would you be able to provide me any help or advise in this case? I enclosed all relevant documents regarding the case for your reference. Your assistance would be greatly appreciated. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (OR)

Paid the amount of {$77.00} on XX/XX/2022 for my medical payment to the company of XXXX XXXX  XXXX XXXX. I received a letter from SCA Collections around XX/XX/XXXX for the amount of {$77.00}. I tried calling multiple times during regular business hours to talk with a representative, but have had no luck reaching a person to dispute this charge. I have the credit information to prove that it was paid.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

I went to the car dealership in XX/XX/2021, I applied to a vehicle however there were multiple hard inquires on my credit report. I was already approved, but I received multiple hard inquires.
Consumer complaint received 2022-10-21
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: BARCLAYS BANK DELAWARE (FL)

Check my credit report again after having reported to Barclays Bank an inquire on my credit by letter in XX/XX/2022, I have not applied for any credit with Barclays Bank, I am not aware of why this appears on my credit and even though I wrote to them in XX/XX/2022 they have not removed this request from my credit
Consumer complaint received 2022-03-15
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. (MN)

These accounts are showing on my credit profile/report and they do not belong to me. I have request for these to be removed effective immediately please. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX XXXX XXXX, Balance : XXXX Closed XXXX XXXX, Balance : XXXX XXXX, Balance : XXXX XXXX  XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balances : XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2022-04-07
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 ()

Someone pay me thru my paypal account at first they put on pending and hold the money until 21 days to my suprise today i got an email from paypal saying that i can no longer use paypal they put to hold until 180 days mu money i dont do gambling and i dont violate any thing i badly needed my money.
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MoneyLion Inc. (IL)

When I woke up this morning on my payday, I went into my account to pay some bills. I owed Money Lion XXXX which was expected to come out. However, I noticed that after opening my account there was an additional transaction for XXXX. The next thing that I knew, there was another transaction coming out for XXXX. I immediately contacted Money Lion and they kept placing me on hold telling me that their department would take care of it and could they call me back. They never called me back and they had approved a loan in a different state, XXXX, that I had never even applied for. I called back again and she stated that if this were resolved after investigation that it would take 5-7 business days before I got my money back. This is going to make me late paying my bills and cause me to get behind. I recommend that no one use these banking apps for instacash loans because they are not secure.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I paid my credit card on time using the online payment system. The following day, on XX/XX/XXXX, I checked the online information and saw a red letter notice that my payment had not been received. I then scheduled the exact same payment again. Concerned that there might then be a double withdrawal from my account, I called Chase customer service which informed me that there had been an error. The customer service representative assured me that only one payment, total amount of {$520.00}, would be withdrawn. This morning at XXXX XXXX  I received notice that my account was overdrawn due to two duplicate Chase payments of {$520.00} being made. I contacted Chase again and was told by XXXX in Accounting that Chase was not in error and that I would not receive a refund of the duplicate payment for 3-7 business days. He claimed that he was the most senior person in his department and was only able to offer the mailing address of the executive office if I wanted to discuss the issue with another individual. 

This is not the first time I have had a problem with Chases online billing system. Clearly, other customers must have had similar experiences, but Chase has not improved their technology. I notified Chase prior to any withdrawal from my bank, but the credit card company still withdrew a double amount. Now I am faced with possible bank overdraft charges and do not have sufficient funds to pay my other bills due to a refund delay. Chase has {$3.00} XXXX in assets but is unable to put {$520.00} back into my bank account sooner than 3-7 business days? This is simply absurd. Moreover, XXXX incorrectly stated that Chase had not made any errors and he was either unable, or unwilling, to let me speak with his supervisor, leaving me with little recourse. I realize that I am just one consumer and Chase is a massive financial institution, but I still have a right as an American citizen to fair and just business practices.
Consumer complaint received 2022-10-21
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: WELLS FARGO & COMPANY (AR)

This item had been removed from my report, but on XX/XX/2022 it was put back on. The circumstances of the event do not change and the account is still not mine and needs to be removed. 
I believe the bank periodically bring the information back onto the report in an attempt to collect funds or which is happening in my case hurt the consumer that has already been victimized. 
Either way, its shameful and malicious. I have had a property sold that I was trying to purchase because this account has resurfaced and I have lost out on a transportation contract because my credit score has decreased because this account has resurfaced. This is not right, its hurtful, shameful and malicious.
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Hello, Please see below message that I sent to CAPIO PARTNERS LLC. 



CAPIO PARTNERS LLC Attn : XXXX XXXX, MrXXXX XXXX XXXX, XXXX XXXX, MrXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$930.00} Dear CAPIO PARTNERS LLC I recently received communication from you attempting to collect the above-listed alleged debt. You sent your initial communication attempting to collect the alleged debt was within 30 days ago. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I request verification of the alleged debt, specifically, I request the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). If you are not aware, credit reporting is considered debt collection under the law. Promptly request deletion of all your credit reporting made to any CRAs about the alleged debt. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request ( s ) to CRAs to delete your reporting of the alleged debt. This letter shall also serve as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive any related information from you. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 




cc : CFPB, XXXX XXXX XXXX, Washington, DC XXXX