davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-11
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. (SC)

Im a victim of fraud. I have contacted Equifax numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to Equifax, XXXX, and XXXX. In XXXX of this year, both companies XXXX and XXXX have proofed these was fraud and removed the fraudulent items. I called Equifax fraud Dept on XXXX to see why they still had the fraudulent items reporting on my credit report after XXXX proofed it was fraud and notify XXXX and both companies block removed and deleted the items. The two companies that are fraudulent are : The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) Onemain have been deleted. XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. The collection account Receivable Solution : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX.
Consumer complaint received 2015-09-06
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (NH)

While on an extended vacation from XXXX XXXX 2015 to XXXX XXXX 2015 traveling across several states I did not receive my PayPal Credit statement with a balance due and subsequently on the next Statement that I did receive was billed a late fee of {$25.00} with interest charge of {$2.00} ( {$27.00} total ) for a purchase totaling {$62.00}. I submitted one XXXX web site contact email requesting to have the late fee and interest removed, have received no response from XXXX. I subsequently submitted an email to the Director of Investor Relations of XXXX requesting the late fee and interest to be removed with no response. This is the first and only time I have been late in making payments against my PayPal account - we use other credit cards extensively without ever triggering any late charges.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MD)

My mother-in-law passed away in  XXXX  in California. My brother-in-law, also in California, was my mother-in-law 's executor. My brother-in-law passed away the following year. For whatever reason, my brother-in-law 's surviving wife forwarded my mother-in-law 's mail to our address in Maryland after my brother-in-law passed. We got nothing but junk mail in my mother-in-law 's name, and I registered her on the postal deceased list. This slowed the junk mail to a trickle.     Yesterday,  XX/XX/XXXX , we received a BP Credit Card pre-approval in my mother-in-law 's name to our address. My mother-in-law never lived with us and she did not even visit us at this address before she died. The mail says to either return the card to '' BP  XXXX  &  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  '' or go online at mybpcreditcard.com/accept. The  mailer  also states that by accepting their offer, I agree that I am providing this information to Synchrony  Bank ( SYNCB )  and to BP  XXXX   XXXX   XXXX   XXXX  and its affiliates.     I do n't want to contact the company in fear that they would then have our phone number and associate her name with our identity.     What can we do to make this stop?
Consumer complaint received 2016-09-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (TX)

I received counterfeit items from eBay ( XXXX pairs of headphones for a total of {$310.00} ) on XXXX XXXX, 2016 but was unsuccessful returning those items to the seller on eBay. As PayPal offers buyer protection, I opened up a case on XXXX XXXX, 2016, requesting a refund. I was instructed to send the items back to the seller before XXXX XXXX, 2016 to receive a refund. I went to the post office to ship the package on Saturday, XXXX XXXX, 2016, and the employee told me that the XXXX XXXX address was unlike anything he had ever seen and highly suggested not to send the package. I called PayPal, who assured me that the address was correct. Additionally, I was told that it would be acceptable to send the package on Monday, XXXX XXXX, 2016, since the post office is closed on Sundays. This package ended up costing around {$50.00} to ship, hence why I made sure to double check with PayPal before I sent the package. I woke up on the morning of XXXX XXXX with an email saying that the case had been closed but was reassured once again that I could reopen the case after I sent my package. On XXXX XXXX, 2016 I received an email saying that the resolution was : " As you have provided valid information supporting your appeal, we have sent a courtesy email to the seller requesting that they issue you a refund to resolve this claim. '' It is now XXXX XXXX and I have still not received a refund. Throughout this entire process I have called PayPal almost 10 times, being given reassurance and instructions that I followed. My phone call tonight was escalated to a supervisor and a manager, but PayPal was still unwilling to give me my money. The first representative left the seller a voicemail and sent an email reminding them to refund my money. I asked why PayPal could n't refund my money and was told " well you would n't like it if we took money out of your bank account. '' I was escalated to a supervisor who told me since I did not send the item within 10 days that PayPal is not legally responsible for getting my money back. I was then escalated to a manager who told me the same thing. Despite my constant communication throughout this entire return process, in the end PayPal was not willing to refund my money. When I view this case online, it shows that the decision has been 'granted '.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (CA)

On XXXX/XXXX/XXXX, I received a letter from FlagStar Bank stating my re-modification application was " complete '' for loan # XXXX filed in XXXX of XXXX. I would then receive a " written notification '' in 30 days which as of today, I 've not received. I have made numerous attempts to contact my " point of contact '' XXXX XXXX leaving multiple messages never getting any calls returned. 
I did received a phone call on XXXX/XXXX/XXXX from the " Underwriting Dept. requesting a copy of a lease I issued to a new tenant which was confirmed received by the default dept. the following day. 
I then called the " Default Dept. on XXXX XXXX and spoke to " XXXX '' and she stated my modification of my loan has been " approved '' and I should be receiving documents within 30 days. On XX/XX/XXXX, I received a letter from XXXX XXXX of FlagStar Bank stating she will be my new " point of contact. '' Unfortunately, the same problem continues never any return calls from messages I 've left. 
The only calls I get is a " recorded message '' after hours stating its " urgent '' I call which I do the following day to XXXX XXXX leaving another message requesting a call back. 
On XXXX/XXXX/XXXX, I called again and spoke to XXXX of the Default Dept. stating I 've not received my new documents only to be told " my modification '' was finally approved. 
Now we are moving into XX/XX/XXXX and still not documents or returned calls by XXXX XXXX XXXX. 
Obviously, FlagStar Bank has shown " no urgency to modify my loan '' and thus being an " interest only '' loan plus with the market crashing the value of my home has taken a severe drop in value.
Consumer complaint received 2019-05-11
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. (SC)

Im a victim of fraud. I have contacted Equifax numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to Equifax, XXXX, and XXXX. In XXXX of this year, both companies XXXX and XXXX  have proofed these was fraud and removed the fraudulent items. I called Equifax fraud Dept on XXXX to see why they still had the fraudulent items reporting on my credit report after XXXX proofed it was fraud and notify XXXX and both companies block removed and deleted the items. The two companies that are fraudulent are : The fraudulent items are : XXXX XXXX  : Reported Balance $ XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX.
Consumer complaint received 2016-11-30
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Hollis Cobb Associates (GA)

I had an account set up with Patient Accounts Bureau where they took out XXXX on the XXXX of each month. I called them last week and asked them not to take the money out this month, which they have recordings and documentation of, and they said nothing will be taken out. Today they took out XXXX which overdrew my account forcing me to stop payment on the check which still cost me XXXX. I spoke with their manager XXXX XXXX and he said that he did n't know how long it would take or if they even would reimburse me the fee for having to stop a check that was NOT an authorized payment. They overdrew my account which has caused several issues for me, especially as a single mom, I need this money and they are not being cooroperative at all. This was again a payment that was not authorized, therefore illegal for them to take out of my account.
Consumer complaint received 2015-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TRANSWORLD SYSTEMS INC (DC)

I believe car-share company XXXX and debt collection agency Transworld Systems violated the Fair Debt Collection Practices Act : a ) by making false statements on XXXX notices mailed to my address ; b ) because of Transworld 's inability to retrieve the debt account from its internal computer system to assist me ; c ) because of Transworld 's admission that it has no jurisdiction/authority over the debt, and d ) because of XXXX 's attempt to deceive ( mislead ) me into believing that Transworld was contacting me to collect a debt that would be applied to my credit report. 

Following are my top concerns : XXXX of the XXXX notices received reads : " This is sent to you by a collection agency. " o This is false. If it were true, the Transworld representative would have been able to help me. ( Image included ). 
The XXXX letters does not contain what is called a " XXXX XXXX XXXX. " o The field is blank. According to the Transworld representative, this was XXXX of the primary indicators that illustrate Transworld has no authority over the debt. ( Image included ). 
XXXX of the XXXX letters received read : " This account has been placed with our agency for collection. " o This is false. Transworld could not access the debt in its internal computer system ( no record existed ) and could not help me ... and subsequently sent me back to XXXX ( who refused to undertake my dispute ). ( Image included ). 
XXXX of the XXXX letters received read : " Please be advised that we have been authorized to pursue collection ... '' o This is false. Again, Transworld indicated it had no jurisdiction over the debt and could not help me. ( Image included ). 

I have included a full ( comprehensive ) statement to provide more information considering the character limit on this text box. 

*Please note that I believe the improper communication tactic is grounded in making false statements.
Consumer complaint received 2016-05-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sarma (AR)

Recently I check my credit report and I was shocked to see a collection on my credit report! I have a spotless credit history up until this point. It 's was collection for a medical bill I did n't even know it was in collection. I have n't received any communication from this collection agency. And as far I can tell they made no attempt to contact me about this before reporting it to the credit bureaus. I was totally unaware about this! I have zero information about this collection, other than it was from a hospital visit XX/XX/XXXX.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: LEXISNEXIS (IL)

Lexis Nexis issues : The last week of XXXX, 2015 ; I went online to " opt-out '' of their XXXX products. I followed the insturctions and uploaded the necessary documents. A XXXX letter I received a letter from Lexis Nexis stating I need to upload my documents. I sent an email to them directly ( see attached ) with the document I uploaded. I received a response stating my request has been approved. I sent another email with additional request to FREEZE my XXXX account and to inquire about my PIN number. I have yet to receive a response from Lexis Nexis via mail or EMail.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (AZ)

I had applied for a loan with Cash Time Title Loans on XXXX XXXX, 2016 and this report came from a third party source and I have been identified as a victim of identity theft with a FTC Report and No. and also a Police Report. My credit report is suppose to be on a 7 year credit freeze however, XXXX XXXX went through a third party. This Credit Reporting Agency named LexisNexis Risk Solution Bureau LLC has listed me as : XXXX - Lien/Judgment record found, XXXX of sub-prime credit services solicited and XXXX XXXX Multiple SSNs reported with applicant. When I tried calling this number in XXXX GA no one would answer and it would just ring, Therefore I was told credit was offered at less than favorable terms. No one could and would give me any explanation. I feel this is an illegal and unethical fraudulent company that payday loans used on their clients and it 's unfair and needs to be investigated.
Consumer complaint received 2021-03-23
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. (GA)

I have sent all three bureaus, letters that there is information on my credit report is inaccurate and not verified. by law, it should be XXXX accurate and it is not.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (IL)

In XXXX, I had some XXXX work done on time payment and was forwarded a credit card right away from a company called Care Credit to make my payments. Everything was fine for awhile until I started receiving notices and robo telephone calls from Care Credit staff stating my payments were late even though I made my payment through the mail and sometimes on line, If I though I 'd might be late by mail. Sometimes Care Credit would bill me and others times I would not receive a bill. When I inquired as to what happened to my statements for payment, Care credit mentioned that they had sent me an email ( who would sent a bill to a consumer via email and not notified the consumer? Now, they are trying to make me pay late fees and have gone up on my premiums without proper notification. I have notified Care credit that I can not access their computer systems anymore to pay my bills, but that does not seem to fazethem. Meanwhile, I continued to make the same payments I had agreed upon in my original papers ( which is {$160.00} and late fees if I am ever late but this is not enough for Care Credit. I have all of my paid receipts and all correspondence received from Care Credit from XXXX through XXXX, and will be appreciative if you can assist me in any way that you can. Incidentially, a class action suit was filed against Care Credit/GE Capital Retail Bank/now called Synchrony Bank in the U.S. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX California and the final hearing was on XXXX XXXX, XXXX. In reading the transcript ( which is online ), the defendants won this suit for XXXX XXXX dollars and maybe more. Any legal services you can recommend to me will be appreciated. I do need to mentioned to you that I am a retired senior and also a XXXX student, and I need to clean up this matter as soon as possible so I can go on with my education.
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (MD)

i deposited XXXX dollars in CASH in the account on Saturday XX/XX/XXXX at XXXX at XXXX MD XXXX The ATM machine took the money and printed out a slip but it said incomplete transaction No funds appeared on the account I called immediately and they told me that they see the deposit but there seems to be an error but it will be sorted I told them that I DO NOT HAVE THE MONEY to WAIT for 10 days because I need the money for my BILLS and my GROCERIES I have an infant at home who needs MILK I deposited CASH not a check They said it will be resolved soon Monday morning I asked my wife to call on behalf of me she is an authorized person on the account She has an account with PNC as well, she recommended PNC to me She has called on behalf of me several times Today when she called after 25 minutes the rep told her they can see it they dont know what happened My wife explained we need the cash but transferred to an incredibly rude woman named XXXX XXXX who said we dont know who we are talking to to my wife although we gave her all the information and I have authorized on the account She then was rudely refusing to help us and provoking us because we are already upset that PNC took cash telling me come to the bank I DO NOT HAVE THE CASH TO COME TO THE BANK I could not go to work today because I do not have the cash I just want my cash back XXXX put us on hold for 50 minutes and changed the subject from THE MONEY PNC TOOK to my identity being questionable I called again and spoke to a man named XXXX who avoided giving me his name and after 10 minutes he did the same thing. The bank keeps telling me this is the prosedure when a dispute is filed. I work day and night to earn money and feed my family. I deposited CASH. am i supposed to tell my infant that she cant have formula because pnc has a prosedure? the service my wife and I for from the bank is appaling. I think they probably think we are poor people so we dont deserve to be treated with respect. I earn every penny I get. My wife is pregnant and in school while taking care of the baby because we are working to make a better life for our family. It maybe a small amount for pnc but that was grocery money for us.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

I went in to close my PNC account. It was negative at the time and I paid to bring it up to a positive balance and then closed it. The lady I spoke to who was closing my account said she put it in, but since it was a Saturday it would n't go through until Monday or Tuesday which was fine. She then cut up my PNC card and that was it. About 3 weeks later I got a notification that my account has been over drafted. I spoke to them on the phone and they apologized, but said I needed to pay the fees and then close my account again. Now I am being charged calculated service charges for an account that was supposed to be free and also closed over 2 months ago. At no point was I notified that they could n't close my account.
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

I had an issue where XXXX  caused malpractice harm to my animal. This resulted in additional expense at another vet hospital. Due to this issue, they agreed to release and cancel my contract since they violated the terms of the agreement to provide quality and medical competence to be a vet clinic. After 6-7 months IC systems was given an account saying I owed over a XXXX dollars. That is not valid. I have verbally disputed with them on multiple occasions and they continue to be unable to validate that I owe a debt and are using abbusive collection tactics and are refusing to validate the debt as the law required them to do with the FCRA. In addition, I was never given a 30 day notice of this debt. They proceeded to report to credit despite all my disputes. They have violated many strikes and I am requesting the immediate and total release of this debt and have it removed from my credit ASAP.