davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-13
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Servis One, Inc., Titusville, PA Branch (FL)

In XXXX 2015 I received notification from my mortage compnay that my note was sold. I recieved information on new servicing company and promptly updated my " billpay info '' at my bank. Set up payment for XXXX to be recvd by mortgage svcr on XXXX, due date XXXX. 
-On XXXX, I received correspondence from new mortgage servicing company indicating my original note required EFT payments. I called the servicer to confirm the information. At that time the representative did NOT mention I was " Past Due ''. 
- On XXXX, I called servicer with questions with their form, the representative was NOT able to answer my question. ( What my monthly payment is ). Did NOT mention I was " PAST DUE ''. 

For 1 week hence, every day I received calls from BSI, " attempting to collect a debt ''. 

- On XXXX XXXX, I received correspondence again, this time stating I was " PAST DUE '' for my XXXX payment. I confirmed with my bank the bill pay was sent on the XXXX for XXXX receipt. I contacted BSI to inquire where the disconnect was, the representative confirmed receipt of payment on XXXX. 
- On XXXX, XXXX I received a telephone call that I was able to take as I was off from work that day, from BSI, wanting to know how I would like to pay my past due bill. I escalated the call and recounted my story to XXXX, Supervisor- advised she and BSI need to revamp their training and make sure they are not calling to harass customers who have paid their bills. 
- On XXXX, AGAIN received correspondence from BSI, dated. XXXX, stating my " PAST DUE '' amount. PAID on EARLY on XXXX. 

This HARASSING communication from a company that I did NOT chose to do business with, is completely and totally OUT OF BOUNDS and illegal! I want BSI sanctioned for this behavior, from not XXXX, XXXX or even XXXX employees ... this seems to be a pattern with this company. 

PLEASE MAKE THEM STOP!, If they are doing this to me, I can imagine they are doing this to unsuspecting individuals out there in the population.
Consumer complaint received 2016-09-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TCF NATIONAL BANK (WY)

On XXXX XXXX, 2016 my husband and I contacted XXXX XXXX XXXX to purchase a 2016 Ram 3500 Pickup Truck. The Finance Manager XXXX XXXX took our credit application. ( See Attached E-Mail ) He was also told by my husband that we were both Victims of Identity Theft, and had 7 year Extended Fraud Alerts on our Credit Bureau Reports. He was also told no loan could be considered until we were both contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed with my husband that we were approved for Financing from lender XXXX XXXX. On XXXX XXXX, 2016 we took delivery of our new vehicle. On XXXX XXXX, 2016 I received a notice of an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. It listed my Credit Score from XXXX as XXXX out of XXXX and reason as " Amount owed on accounts is too high ''. This is not only untrue by ridiculous. I was completely unaware Gateway One Lending & Finance was a lender that XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( XXXX ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with the ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act. ( See Attachment regarding Identity Theft Victims required contact by Lenders )
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (MN)

Barclaycard talked to me on XXXX XXXX, 2016 informing me that there had been a payment that did not go through to them on my autopay ( though funds were always available and nothing changed on the side of my bank ) on my barclaycard XXXX XXXX. When I spoke to them on XXXX XXXX, I made a payment immediately by telephone which cleared my bank on XXXX XXXX as suggested by the barclaycard associate on the telephone. Barclaycard had never sent me anything in the mail to inform me that there had been any difficulty with the auto-pay or that any monies were owed because of it. The associate told me that my payment of {$91.00} would put the account back into good standing - protecting my credit and giving me the opportunity to continue with my barclaycard XXXX XXXX. In good faith and taking the company at their word, I made the payment. Today, XX/XX/XXXX2016 I received a letter from Barclaycard dated XXXX XXXX referencing a credit report that they pulled on me ( without prior authorization ) that was dated XXXX XXXX, 2016. The letter stated that based on the information that they had on XXXX XXXX that my account was to be closed. Regardless of already possessing this information, barclaycard coerced me into making a payment after the date of the report under the pretenses that my account would be in good standing. Needless to say, that was a lie to simply collect the payment. 

I am concerned that in an attempt to collect on a debt that barclaycard and its employees knowing lied to me about the effects of making a payment while already possessing foreknowledge that the account was slated for closure. I believe that a collection violation and fraud has taken place in the knowing misportrayal of the situation to me by barclaycard.
Consumer complaint received 2016-10-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (FL)

Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been requesting evidence that bears my signature that shows that I have a contractual obligation to pay SYNCB/Walmart. I have not received anything that I requested and it is still listed on my credit report from the XXXX Credit Reporting Agencies.
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (WI)

Ever since Synchrony Bank took my BP Visa Credit Card from XXXX XXXX, I 've had nothing but trouble. I think I finally figured out their scam. By not allowing customers to make payments online, due to what they call " technical errors '', and denying use of the credit card at critical times, Synchrony Bank stands to rake in most likely, XXXX from unsuspecting clients. I 'm hoping the CFPB will be able to look into the practices of Synchrony Bank. Why their webpage is down so much, why when I schedule a payment their site denies it, or just schedules it on the next billing cycle. This institution seems to be controlling what, how and when I use my card, then lets the balance linger through " technical issues '' until they can charge another interest fee which is non-negotiable. Is it because they offer the gas rewards they feel they can ripe off the consumer? Sounds to me like there is something going on with Synchrony Bank.
Consumer complaint received 2023-02-07
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. (CA)

My social security number isn't showing up on my credit report. Mine ends in XXXX. 
One that ends in XXXX shows up. 
Bank loans, auto loans, mortgage loan, property in XXXX XXXX CA, a name XXXX XXXX, my ex Sister in law, a XXXX  XXXX I can't even access it because I can't answer the questions
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I 'm a victim of identity theft and someone else has been trying to open up accounts in my name and there 's a lot of inquiry on my credit report from XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX 3 times on my report, XXXX XXXX/XXXX/XXXX I already have an account with XXXX and some thing by the name of XXXX I did not do this.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

I disputed incorrect information on my credit reports with XXXX, XXXX and Equifax in XX/XX/XXXX. The information was incorrect and wrong. XXXX and XXXX did correct the the problem and responded with letters with in 30 days. Equifax after numerous times trying to contact them never responded or corrected the problem. This has made it impossible to obtain a mortgage because it has ruined my credit score. The only remedy I have now is to sue Equifax for compensation.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

The US Bankruptcy court is reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not verify or report this information to the Credit Bureaus. That information was pulled by a Third Party and they reported it to them. Equifax stated that they verified this information with The US Bankruptcy Court, which is a blatant lie, therfore this Bankruptcy on My Equifax Credit Report must be deleted permanently from my Equifax Credit Report.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

Equifax provided my credit file to XXXX XXXX XXXX Fraud and Prevention services without my consent or expressed authorization. I did not initiate business with XXXX XXXX XXXX on the date in which my file was submitted. I am requesting a security freeze on my Equifax credit report.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

I have been battling for over a year to get Equifax to accurately report my accounts. I have contacted the creditors to verify that they are sending the correct information every month and they all verified that they are. This is only happening on my Equifax credit report, both my XXXX and XXXX credit reports have the updated information every month, Equifax does not nor will not cooperate with me to resolve the issue. Calling into their customer service has only resulted in positive trade lines being deleted and XXXX up my credit report even more. I have called into Equifax numerous times to no avail, I have filed XXXX XXXX complaints to know avail. I though that not maintaining accurate credit information was against the law, I was trying to get this cleared up before buying a house but now I will not be able to move forward with my plan. This has been extremely time consuming and frustrating and I am almost at my wits end. If these things are not remedied, then I will be forced to discuses these issues with my mother, XXXX XXXX XXXX, a shareholder at XXXX XXXX XXXX XXXX 's XXXX XXXX, to see if there is any legal actions I can take to resolve this issue, as Equifax seems unwilling to work with me.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

They have me working at XXXX, which I do not that was where my husband worked, also I have never lived on XXXX XXXX in XXXX XXXX fl. I shared a XXXX card acct with a friend and she lives at that address. Since that acct has been closed and a new acct opened in my name. Please check with the usps and you will be able to verify that is not my address. and irs can confirm that I do not work at XXXX
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

There are Hard Inquiries on my report that were not authorized. I am in the process of repairing my credit and noticed these inquiries. When I called, I was told that I had to call those companies directly, who in turn tried to point me back to the bureaus which is becoming very frustrating.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IN)

There is an incorrect address listed for me on my credit report. It is the address of my lawyer XXXX XXXX who was my attorney for my XXXX case. The incorrect address that should be removed is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. This is showing on my Equifax report.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I disputed and sent information to XXXX Equifax XXXX went up and XXXX has went down even more. It 's like a game to these people ... XXXX has a class act lawsuit and I sent them information about this and they still refuse to remove it off my credit report. Also XXXX items in collections has been paid for months ... XXXX actually came off and then right back XXXX..What is the problem with Equifax?
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

I tried to file a dispute with Equifax for an account that I paid off in full and would like to have it removed from my credit report. I have made the same report to the other XXXX credit bureaus to have the same account removed from my credit report and they have removed it with no problem. I tried to get a confirmation number to file a dispute but they they told they could n't give me one because there is nothing in the system. But I told them that is why I calling to file a dispute so I can get a number, and they also told me that the account I am trying to dispute will remain on my credit report for seven years despite that it is paid-off and closed. They did not even bother to do an investigation to see if my claims were true. I feel that this is one of the many reason why people can not rebuild their credit, these agencies need to be governed to make sure that people are being treated fairly.
Consumer complaint received 2017-02-22
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Received a call from XXXX three times in a row. when I answered guy said he was with the city clerks office and that I was being sued. Told me to contact XXXX. So I did and a guy answered hello ... I asked if this was an attorneys office he said let me transfer you to litigation. Lady then tried to get me to pay an outrageous amount over the phone to settle out of court and said it was an ACE cash express loan. They tried to extort over {$1000.00} more than the debt is. When I called the XXXX number back it went to the city of XXXX but nobody knew anything about a call being placed from it.
Consumer complaint received 2016-10-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

I did not receive a payday loan from anyone! I keep getting emails from ACE stating they are going to contact my place of employment and sue me ... ..I never applied or received a pay day loan!!!!!
Consumer complaint received 2016-09-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CT)

My Paypal account had fraudulent activity, XXXX unauthorized charges, on XXXX XXXX. I immediately disputed all XXXX with Paypal. They submitted all XXXX charges to my bank account sending it overdrawn with multiple overdraft fees. XXXX. Regardless, XXXX of the XXXX charges have been resolved in my favor and refunded. XX/XX/XXXX is still unresolved at Paypal, since XX/XX/XXXX, it 's now XX/XX/XXXX, and they say that it should have been " resolved in 10 business days ''. Repeated emails have not resolved this case.
Consumer complaint received 2017-01-31
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

RE : PayPal, XXXX, XXXX & XXXX, XXXX. Fraudulent rental listings paid for through PayPal. 

I am currently XXXX with XXXX and XXXX. I was force to sleep in my car due to the fraudulent and malicious acts by XXXX, XXXX & XXXX XXXX XXXX XXXXpaid through PayPal wallet. I was denied and defrauded of a public accommodation. 

On XXXX XXXX, 2016 at approximately XXXX I contacted XXXX, a subsidiary of XXXX XXXX ( XXXX, Ma. ) and XXXX based XXXX. These companies book hotel rooms, flights, etc. I responded to an ad on XXXX website to rent a private room & bath at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at {$40.00} per night. I contacted XXXX customer service to ask questions about the owner, rental cost, etc. prior to booking. After negotiating booking the room for 2 days ( XXXX ) and a second agreement XXXX ( recorded statements ) to rent at same rate the owner XXXX XXXX contacted me to say that " he forgot to change seasonal pricing and would not honor booking '' and he proceeded to cancel my booking. ( bait & switch ) After a few hours, I went to address of where I booked room and address did n't exist. This was a fraudulent and illegal transaction in which I contacted XXXX, XXXX, Paypal and XXXX XXXX. When speaking with Paypal customer service I was informed that I was the XXXX person that day to call regarding same scenario with XXXX & XXXX XXXX. There is a pattern of fraud here involving wire fraud and deceptive business practice and circumventing it through XXXX via PayPal. When payment was made through PayPal I assumed the money was being paid in the U.S. but received confirmation from XXXX XXXXXXXXXXXX. PayPal is aware of the fraudulent activity by XXXX, XXXX XXXX XXXX, XXXX. but did nothing to protect me or my money and also was collusive in violating my rights as a XXXX person ( XXXX federal law that prohibits denial of public accommodations for the XXXX ) Please investigate and I would like to have charges brought against all involved with this scheme and also seeking restitution and damages. FBI 's XXXX and AG of Massachusetts & XXXX XXXX, Ca. have been contacted. I have a trail of emails from XXXX, XXXX XXXX and XXXX. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (NV)

I USED MY PAYPAL BUSINESS DEBIT CARD TO RENT A A CAR. 
WHEN I GOT HOME, I NOTICED THAT THEY HAD AUTHORIZED XXXX CHARGES ON MY DEBIT CARD, XXXX FOR XXXX AND ANOTHER FOR XXXX, I CALLED PAYPAL TO INFORMED THEM THAT I ONLY AUTHORIZED A TRANSACTION FOR XXXX. 
PAYPAL PROCEEDED ON TELLING ME THAT SINCE THEY WERE PENDING THERE WAS NOTHING THEY COULD DO TILL THEY POST. WHEN THEY POSTED I SUBMITTED A CLAIM AND THEN 24 HOURS LATER THEY SENT ME AN EMAIL REQUESTING MORE INFORMATION. 30 MINS LATER THEY SENT ANOTHER EMAIL DECLINING MY REQUEST. AND WHEN I CALLED TO GET INFORMATION WHY. THEY STATED SINCE THE CONTACT I SINGED FOR WAS FOR A CHARGE OF XXXX AND WITHIN THAT CONTRACT IT STATES THAT THEY CAN CHARGE THAT AMOUNT AND ANYTHING ELSE AFTER I RETURN THE CAR THAT THOSE CHARGES ARE CORRECT. 
NOW THE CHARGE OF XXXX WAS ACCORDING TO XXXX FOR A PREVIOUS RENTAL THAT I OWED MONEY ON ( WHICH I AM ATTACHING AN INVOICE THAT I ASKED FOR WHEN I WAS THERE AND ITS A XXXX BALANCE ). HOW DID I AUTHORIZE THAT TRANSACTION WHEN I USED A DIFFERENT CREDIT CARD WITH THAT PREVIOUS RENTAL AND THAT CHARGE WAS DONE BEFORE THE AGREED AMOUNT OF XXXX? THEN THEY STATE THAT THE XXXX WAS THE ADDITIONAL FEES THAT THEY WERE CHARGING, NOW THEY CHARGED THESE FEES THE DAY BEFORE I RETURN THE CAR, IN THE CONTRACT IT STATES THAT THEY ARE NOT SUPPOSED TO CHARGE MY CARD TILL AFTER I RETURN THE CAR WHICH I DID NOT RETURN IT TILL XX/XX/XXXX. 
PAYPAL REFUSES TO PROCESS MY DISPUTE AND AS OF RIGHT NOW THEY REFUSE TO DO ANYTHING. THE ONLY CHARGE THAT I AGREED TO XXXX AND ANYTHING ELSE NEEDED TO BE CHARGED AFTER XX/XX/XXXX. THE CHARGES THAT PAYPAL ALLOWED TO GO THROUGH MY ACCOUNT ARE XXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX.
Consumer complaint received 2015-10-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

PayPal limited my account without warning or reason stating " your account has been limited '' with no oppurtunity for appeal. I have called them nearly a dozen times to get this resolved and no one will give me any information other than " you have violated the terms and conditions '' or " PayPal will no longer to do business with you. '' Since limiting my account, they have held my funds for more than 180 days, despite them saying that 's when I would receive my funds.
Consumer complaint received 2016-09-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WA)

I have a collection company " IC System '' that has been mailing me notices that I have a collection with them, but they are trying to collect a current loan that is on auto-pay with my on my credit card. I have confirmed with my credit card company that the monthly payments are going though thus I am CURRENT on my monthly loan payments! This company is trying to scam me.
Consumer complaint received 2017-02-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (NJ)

I, and my girlfriend both have PayPal accounts with a Business Debit card attached. We normally purchase retail goods and services with the debit card, and we fund the accounts by buying PayPal XXXX cards. In the time that we 've had the accounts, we have made a couple of ~ {$20.00} transfers to eachother and we 've each withdrawn a very small amount of our balance to our connected bank accounts once. Just recently PayPal said they are permanently locking my account and effectively freezing my money in the PayPal account for half a year! I did n't realize they were so strict about small withdrawls/transfers!! I was under the impression when I received a warning awhile ago that they did not want me withdrawing large amounts after depositing XXXX cards into the account.