davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (OH)

I borrowed XXXX in XX/XX/2016 my first payment was due XX/XX/XXXX I have made all my payments but one, I called them and set up a skip a payment. That was ok. I made 2more payments of XXXX and on XX/XX/XXXX I hit the pay off bottom and paid XXXX as the website /app instructed me to do. To my surprise the next day they said I missed a payment and charged me an additional XXXX this instantly sickened me. I called them spoke to a XXXX, he was rude he couldn't answer any of my questions he told me I missed a payment and I have to pay it. I ask him why it was more then the original payment, he said it was a late fee. XXXX that is an very large late fee. He couldn't explain why it was so large when the due date was on XX/XX/XXXX 2 days late. They are ripping me off! Moneylion still has not shown the pay off or any part of it on their app / website. I don't mind paying what I owe but I'm not going to be screwed like this. Please stay away from this place. 
I also ask XXXX why my interest rate was XXXX on day and XXXX the next, I checked it every day and it was different every day but never a small amount it was like XXXX increments. He couldn't tell me why. So I hit the pay off button and it was not good for them they wanted me to pay it off when it was at XXXX when I called them the week before.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

This is a new complaint and I would like to have this reviewed. 

I have sent countless written communications to Portfolio Recovery notifying them to cease and desist ALL communications. My last complaint was in XX/XX/2021 and since then, I have received 10-12 letters per week from this company. 

This is blatant disregard of my consumer rights and I demand this company stop communicating with me via mail and phone. Portfolio Recovery does not have my permission to have my personal information and I do not owe them and do not validate this inaccurate information they are sharing. 

This is harassment and defamation of character to allow this company to report information that does not belong to me on my report.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2019-03-06
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: ID Analytics, Inc. (GA)

My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my life.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Grain Technology, Inc. (TX)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The dates above, Are all dates I have contacted this company. 
I asked them to fix my account and change my email address, so I could connect to my account and withdraw my deposit to close my account. 
Then after via email communication over a month later after initial contact I was told it was fixed. And that I could log in with the new email and connect to my bank account to withdraw my deposit and it still doesnt work. This company is fraudulent. Its not a number available to consumers to call to speak with customer service. Everything is done via email and most days you get a return reply over a week or month later that doesnt resolve the issue. This company replies to me, not in a timely fashion but does reply to me at the new email but hasnt changed it to the new email within the app so I can withdraw my money and close the account.
Consumer complaint received 2022-01-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Casesa Bowden Barlow, P.A. (FL)

To Whom It Concerns, In XXXX of XXXX, I received a letter from XXXX XXXX XXXX, PA, located XXXX XXXX. XXXX, FL XXXX attempting to collect a private student loan debt. The last payment on that debt happened on XX/XX/XXXX. It's been in default, which I'm not proud of, and I've never been sued on it prior, nor have I made any payment or payment arrangements since the last payment in XXXX. I made this very clear to the law firm, XXXX XXXX XXXX, PA, who is representing XXXX XXXX XXXX XXXX. They claim the statute has not expired and then proceeded to file a complaint on XX/XX/XXXX, in XXXX XXXX XXXX XXXX XXXX. I have since been served, on XX/XX/XXXX. In the lawsuit, they provided, as the first exhibit, the original promissory note I signed back in XXXX ; however, the lawsuit is for much less than the ending balance of what was due when payments stopped. In the lawsuit, which is obviously time barred, they didn't provide a payment history ( which I actually have ), they didn't provide any proof that the plaintiff owns the debt, and they made false statements. They are clearly filing illegal lawsuits and taking advantage of people, and they will, no doubt, win default judgments from the many folks who don't know the law and/or ignore the lawsuits. Furthermore, I believe they are in collusion, with the many defense attorneys, who keep on soliciting me for their services against the lawsuit. The defense attorneys I spoke to, through consultation, have advised me to settle, rather than fight and/or motion for dismissal, on a debt that is clearly time barred and weak, even if it wasn't time barred. These people are breaking the law and this needs to be corrected before too many people suffer unjustly. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

contacted the credit equifax transunion and experian to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute a late payment entry that appears on my credit report. Upon reviewing my credit report, I noticed a late payment listed ( XX/XX/2021 ), which I believe to be inaccurate.My account with XXXX XXXX XXXX XXXX was never late.According to FCRA Section 1681e, a creditor may not treat a payment on a credit card account as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer not later than 21 days before the payment due date.I request that you conduct a comprehensive investigation into this matter and provide verifiable proof with records showing that I have late payments.If the information can not be verified I demand these payments be updated immediately. Thank you for you understanding and prompt action.I request that you investigate whether the creditor in question has adhered to the aforementioned requirements regarding the timely delivery of periodic statements. If it is found that the creditor has failed to do so, any reported late payments would be inaccurate and should be rectified accordingly.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I called originally to check about getting a loan. I was transferred to an Attorney who explained to me that the company would be able to help me with my Credit. At that time I was told I could cancel their Services at anytime. After explaining to me what was involved I told Him during this phone call that I did not want their Services because I am on a fixed XXXX income and I could not afford their Services. I do not remember the Specific date of this phone call, I believe it was toward the end of XXXX. Lexington Law proceeded to work on my file after I specifically told them I did not want their Services. On XXXX a charge to my Bank Account for {$100.00} and on XXXX a charge to my Bank Account for {$19.00} for Services rendered.. I was completely surprised and I called the Lexington Law Firm and was told I would receive a call back of which I did not receive. I then sent them an Email explaining that I had cancelled their Services and to post the Money to my account on XXXX. I got a return Email from Lexington Law Firm saying that they cancelled my account but that I may be charged more money for Services rendered. My account # XXXX with Lexington Law Firm.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (IL)

This is a complaint against Paypal, for it's failure to protect customers from being charged by unauthorized transaction. 

Here is the story : I started my free trial on an audiobook app in XX/XX/XXXX. To start my free trial, I had to link my Paypal account with the app membership so that the merchant could charge me if I wanted to renew my membership after the free trial ended. However, by using the app for several days, I decided to cancel my free trial and not renew my membership any longer. Thus, there should be no charge on my Paypal account at all. 

However, on XX/XX/XXXX, I found I was charged by the merchant for a full year membership renewal. I immediately reached out to Paypal to dispute this transaction and checked 'automatic payment ' on Paypal and found the status of the automatic payment was 'Inactive '. 

One day later, Paypal responded and said it was not an unauthorized transaction. So they wouldn't protect me from this issue and help me get my money back. Meanwhile, they requested me to review my active automatic payment more carefully going forward. 

However, I don't agree with Paypal 's investigation result : 1. The transaction is definitely an unauthorized charge. As I canceled my free trial, my agreement with the merchant to charge me by Paypal should be terminated immediately. Any charge after the cancellation should be identified as 'unauthorized '. 
2. I have already reached out to the merchant, but it didn't respond. If Paypal passes the buck to the merchant, as a customer, I can do nothing if the merchant refuses to resolve the issue. In this case, Paypal fails to protect its customers as promised. 
3. The status of the automatic payment by the merchant was inactive when the charge occurred. How come could Paypal allow an inactive charge happened? 

If Paypal treats this type of unauthorized transactions legit, then customers will be under tremendous risks when they subscribe to any services. Because, if merchants continue charging customers after customers request subscription cancellation and refuse to respond customers, customers can find nobody to protect them. 

Thanks, XXXX
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After repeatedly seeking B of A to accommodate my XXXX they refused. I requested an interactive good faith process to accommodate my XXXX. I did not want a one sided opinion of my XXXX by a lay person and requested if anything were being documented in regards to accommodating my XXXX that it be shared with me so that I knew it was not derogatory. The Rep, XXXX id # XXXX then thought she put me on hold. She began telling another rep how abusive of a person I was that I was making crazy demands, that I refused to get off of the phone, that I thought I was entitled to an accommodation under the ADA. She was very derogatory in her description of me. This is exactly what I had feared when she was making notes about me. I was missing {$2600.00} from my account and nobody at the bank was being helpful. I let XXXX and the other rep know I was listening and still recording and that I thought her remarks about my XXXX wee inappropriate and disturbing. 4 Hours later a XXXX at B of A was able to locate the {$2600.00}. The bank kept telling me there we no issues with their online wires. Yet they were wrong and blamed me for their system not working. They now say it will take until the XXXX of XXXX to fix secure transfer and the migration from safe pass. They kept me on the phone for 20 hours on the XXXX trying to resolve this and another 6 hours on the XXXX.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Products were ordered from the vendor in XXXX of 2021. 
Products were to be shipped and received by XX/XX/2021. 
Items were not received at that time. 

Attempted cancellation with vendor after 2 weeks delay. Vendor refuses cancellation. Asks for patience. 
Items received on XX/XX/2021. 
XXXX XX/XX/2021 via USPS, and was received by the vendor according to USPS tracking on XX/XX/XXXX. 
Multiple calls to the vendor requesting refund " yes, it will be refunded '' still has not been processed. 

When attempting to reach out to their allied financial institution ( Comenity Bank ), and attempting to raise a credit card dispute, Comenity interfered and refused to process or take information relating to the fraud / dispute, on 3 occasions ( on XX/XX/2021 ) - representatives were unwilling to process the complaint, and proceeded to disconnect the call. 
The only general contact information for Comenity aside from the vendor card is a debt-collection agency, which reportedly has no account information.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (TX)

I submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any XXXX XXXX bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (ME)

I am in checking account XXXX account Wells Fargo, when I was in XXXX XXXX to XXXX and I was charged numerous amounts of overdraft fees whatever my credit charge count checking account got below {$10.00}. I cant see what your overdraft fees.
Consumer complaint received 2022-07-14
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. (TX)

I submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any electric company bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Enterprises, LLC (KS)

Revenue Enterprises LLC, XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. Has continued to contact my Cell Phone, without express, nor written consent via Robo, or otherwise unattended Automated Dialers. Theses calls included, but are not limited to the following dates ; XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 These attempts are in direct violation of TCPA. The prerecorded message discloses that the call is from a debt collector, and has resulted in disclosure to a 3rd party, further violating FDCPA.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX I notified a merchant XXXX XXXX that I will not be renewing the policy with the insurer carrier. I also XXXX the automatic billing portion listed on the account. On XX/XX/XXXX I received the bill for {$790.00} that is unauthorized charge as the policy has been changed to my account anyway. I contacted XXXX XXXX and the response was that they are going to investigate the matter as they acknowledge receiving the XX/XX/XXXX phone call. 
The same day onXX/XX/XXXX I contacted BMO Harris the card in the intention of disputing the purchase. As result I have dealt with a surely and completely unprofessional agent that made the process very difficult as well as personally insulting me ( addressing me by my first name basis several time ). As result of the " treatment '' I decided to cancel the card. 
It is my impression that despite what I was told the BMO Harris is not going to process the dispute and it also refused to refund the rewards balance {$12.00} I have accrued as their card member by giving thousands of dollars of business tot hem. When I requested to be credited to my account in form of check I was told that it is not " how it is done '' and that the points will be forfeited. 
It is also troubling that the bank doesn't protect its customers from unauthorized purchases such as this with the excuse in this case of being the " recurring '' purchase. The purchase was not authorized to be recurring and the bank failed its responsibility to protect me from unauthorized use of the card. Why the bank feels it doesn't need to contact the cardmember to verify the transaction is beyond me. 
It is truly telling on how the bank treats its customers irrespective of whether they are in good standing or not. 
This is not how anyone should be treated thus I will no longer use their services. I also cancelled my upcoming car rental in XXXX that was made using BMO Harris Card services.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IN)

I made a payment to my Wells Fargo home mortgage on XX/XX/2023 of {$280.00}. I was never credited of this payment. My loan was transferred on XX/XX/2023 to XXXX XXXX and this payment {$280.00} was never provided to XXXX XXXX. XXXX XXXX and I had called Wells Fargo Mortgage to see where the amount of {$280.00} was and they confirmed that they had received the payment of {$280.00} prior to the loan transfer. They have not forwarded the payment of {$280.00} yet and can not confirm when they can.
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo Operations Complaint Management Executive Office. 
I lost my debit card along with the bank generated PIN mailer ( I tried to change the PIN but was unsuccessful ). Couple days later I logged into my account to see that there are some unauthorized ATM withdrawals made outside the country. I have contacted Wells Fargo and file a claim. After 10 days, I contacted them to know that they are denying my claim. Not happy about having my case denied, I contacted the operations complaint management executive office. They did a review on the claim and determined that the disputed activity was authorized by me or someone I had given permission to, and therefore the claim was closed. The reasons they gave was : Conflicting information regarding the security PIN. 
I have repeated told them that the only PIN that I had was the generated PIN mailer that was lost with my card. Also, I told them that I have attempted to change the PIN but was unsuccessful. They said that I changed the PIN with the automated system which is hard to believe because no bank allow client to change their PIN over the phone. Furthermore, they have not presented any evidence that the PIN used for the withdrawals is different that the generated PIN mailer, since they said that I changed it. ( I still have a photo of the generated PIN ). 
No attempts to use the card after it was closed. 
Again, not showing evidence that the card was not used after I reported lost. When I saw the unauthorized transactions, I turned the card off before even calling the bank. So logically after turning off the card and the bank blocking the it after I called, how would the bank know that the card was not used after I turned it off and they blocked it. I need a transaction history. 
Multiple successful online banking logins during the time of the disputed activity. 
Again, this is something that the bank can retrieve and provide the audit trail of the logins during the disputed activity. During the disputed activity, the only time I logged was when I turned the card off and called the bank to block the card. 
How come a bank can be so irresponsible just because they want to make money on the back of their customers. Wells Fargo is known for unethical practices and until we stop them, they will keep ripping people off.