davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

In XXXX, 2022, I sold a watch to someone using Paypal. That person received the watch and acknowledged receipt within Paypal 's communication tool and gave positive feedback on XXXX, where the sale was initiated. 

However nearly a month later, they filed a chargeback claim and would not communicate further. 

I explained the situation to Paypal and, over the course of a month, found 4 other people that had the exact same thing happen when they shipped watches to the same address in XXXX, Florida. I provided extensive communication with the buyer, the additional Paypal users with contact information. 

Paypal claimed that since I had accepted money through " Friends & Family '' rather than sale that they were not responsible and that I would be required to pay the {$5000.00} back to Paypal, even though they charged a sales fee. 

While I now understand that Paypal 's terms of service exclude responsibility for non-sale transactions, their app, which they force to you use if you've downloaded it, does NOT make a distinction between the two payment types and therefore I was not aware that the purchase had been made in an unprotected manner. 

Paypal has since closed my account, without warning ( so my extensive exchanges with them are not accessible ) and has ceased communication. I received a collections letter in the mail the week of XX/XX/XXXX. 

I have documentation from at least 3 other people where this same thing happened to them. I am aware of a 4th. I can provide this information as well as the contact information from the person that " bought '' the watch. 

Additionally, I reached out to my local police department, who claimed that this was not in their jurisdiction because the theft was online and to the XXXX, Florida police/sheriff who also stated that it was not in their jurisdiction because the injured part ( me ) was not in XXXX. My insurance policy does not cover this either. I did file an Internet Crime Complaint Center ( IC3 ) complaint in the spring of 2022 and can provided this documentation. 

I have attached four files : XXXX proof of delivery XXXX confirmation of receipt by buyer Example of a sale that has " Seller protection '' listed merely as " Monday Received. '' The watch sale that lists same " Money Received '' as transaction type.
Consumer complaint received 2022-11-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft. I had filed complaints to Equifax on XX/XX/2022, which they received on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. I also sent a second letter on XX/XX/2022 that they received on XX/XX/2022 I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2022-08-29
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. (IN)

The Credit bureaus XXXX, Equifax, XXXX, and XXXX XXXX stated account name & Account #, XXXX XXXX IN  XXXX XXXX XXXX  XXXX XXXX IN XXXX ( XXXX ) XXXX identification number XXXX IRA, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information ws obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15USC 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-08-29
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. (OK)

I have been violated as a consumer and human being causing defamation to XXXX and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681. 

EQUIFAX is governed by 15 U.S.C 1681 and they have violated my rights numerous times and I demand the accounts below be removed and NOT UPDATED due to the law. 

According to 15 U.S.C 1681 : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Accounts : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX
Consumer complaint received 2022-11-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SUNCOAST CREDIT UNION (FL)

I had someone break into my account and steal everything. I filled out a fraud form and the bank said it would take 10 business days to investigate. i am on business day XXXX, I still have no access, no money and when I call, I get XXXX help. I live paycheck to paycheck and have had to max out credit cards and borrow money because I can not get into my account.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

-citibank offered {$1500.00} if I deposit {$200000.00} for 60 days -on day 63, I contacted them -they said, they need 90 days to provide the award I am sorry, but I am not supposed to wait 90 days to get a promotional offer for which the trigger was 60 days. On day 61, the funds should appear, full stop. anything short of that is an active effort to not provide the promotional offer to someone who has qualified also, expecting a consumer to do further work to obtain the promotional offer is unfair and deceptive, and takes valuable time away from me chasing down the promotion I should've been provided in a fully automated fashion
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Victim of identity theft.Theft purpatraitor destroyed my credit running up a bunch of bogus accounts .reported to credirmt reporting agency and have a difficult time getting items removed that do not belong to me.they also have wrong names there is a XXXX XXXX XXXX And a XXXX XXXX And XXXX XXXX XXXX of these are mine name.XXXX XXXX no middle name or intial.please remove from my account. Thank u
Consumer complaint received 2022-08-29
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: Chime Financial Inc (CA)

My Chime Debit card was charged {$480.00}. I didn't make this purchase and I immediately sent chime this information. 

" So this transaction I'm disputing happened right before this one that chime flagged for {$430.00}. My credit card info was clearly stolen. I turned my card off right after this alert blocking another transaction for {$140.00} from " XXXX ''. They changed the name and went for a smaller amount I assume because the other one was declined and they just go after smaller amounts each time till the account is cleared out. I did not and do not approve of the transaction for {$480.00}. It is not a real XXXX charge and us not reflected on my XXXX account. Please refund me the {$480.00} that was stolen from my account. They investigation team is not reviewing any of the information I have provided as shown in the screenshots. They didn't include any of the info that proves I did make these charges on my XXXX account in their report. Please have them review the info correctly and refund my money. '' I also included my statement from XXXX proving I didn't make this charges on my account. But as stated in the review they sent me they didn't look at any of the provided information. All they looked at was the fact I still had my card.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (VA)

I am using Ally Bank. Please look at their website, scroll down. Their website says they are the best 2019 online bank. I have work and other things to do during the day. I do not sit at my laptop during the day. I stay late past midnight to pay my bills at least two times per week. Ally Bank always does it updating around midnight to mess me up while I pay my bills. I chatted with their employees a few times, but they do not care. It is 100 % clear that Ally discriminate its customers who stay up late to use their online bank. This is an opposite from the saying on its website that they are the best online bank in 2019. Their website is lying.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Ive reached out to equifax and requested that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. 

In accordance with the Fair Credit Reporting Equifax 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 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX Address:XXXX XXXXXXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/2022 XXXX XXXX Address:XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XX/XX/2022 : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX Address:XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/2022
Consumer complaint received 2022-08-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EGL US, LLC (IL)

I took out a loan in XX/XX/2022 a company called BMG LOAN its for federal workers, Im no longer working for United States Postal Service which took place in XX/XX/2022. Im XXXX momentarily and Im not able to make my bi-weekly payments at this, I contacted BMG LOAN to inform them of my job loss they closed the account and now its reporting as late payment on my credit report.
Consumer complaint received 2020-09-27
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: WELLS FARGO & COMPANY (NY)

There is a charge appearing on my credit card for {$60.00}. I filed a dispute via the Wells Fargo website on XX/XX/20 as I believe this was paid with another form of payment. Nothing was done with the dispute after a week or two, so I called Wells Fargo and spoke with a dispute specialist who told me they required documentation and would issue me a provisional credit in the meantime. I informed the agent that I uploaded the requested document right while we were on the phone and she said she would review it. In the meantime, I would have the credit. Now, it is XX/XX/20 and I just received a letter from Wells Fargo stating that they need me to RESUBMIT THE SAME INFORMATION I ALREADY UPLOADED. Further, the provisional credit I was promised during my call was never applied, so now my card has a balance when it should be reporting to my credit as a {$0.00} balance. Wells Fargo has failed to handle my claim properly and lied when the said they would issue a provisional credit.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lending Club Corp (WI)

Lending Club Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$4300.00}. 
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The XXXX XXXX XXXX XXXX XXXX, State of Wisconsin. 
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. 
This creditor continues to report to all three of the credit bureaus negative information, and that I have a past due balance. 
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. 
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$10000.00}. 
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The XXXX XXXX XXXX XXXX XXXX, State of Wisconsin. 
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. 
This creditor continues to report to all three of the credit bureaus negative information. 
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. 
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor.
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Dear sir or madam : Experian states that my dispute should be reported to you at consumerfinance.gov. This is off of the report number XXXX for Experian. Original Creditor is XXXX. XXXX has reported to Experian that I continue to have a {$46000.00} balance with this hospital. The amount submitted to and approved and paid by XXXX did no exceed {$30000.00} from 2013 to now.
Consumer complaint received 2022-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I had a listing on XXXXXXXX XXXX for a pair of XXXX XXXX boots. Someone reached out to me through XXXX XXXX to see if they were still available. While I had sold them and forgot to update the listing, they asked if I had any other XXXX XXXX shoes. I said yes and they said that they wanted to buy them. We agreed to do the transaction through XXXX. I sent them the email associated with my XXXX account. I received an email that said the buyer had sent the money and to release the money I needed to send confirmation that the item was shipped ( Friday XX/XX/2022 ). Then, I had received an email that said that my XXXX account could not accept the payment because it was over {$100.00} and my account was a personal account, not a business account ( Friday XX/XX/2022 ). To fix this, it said the buyer needed to pay {$400.00} on top of the cost of the shoes and I would have to reimburse them. I sent the money through XXXX ( which I use through Chase Bank ) and then received another email saying that XXXX had an error in their system and it double charged the buyer ( Friday XX/XX/2022 ). I needed to send them another {$400.00} before I could be credited {$810.00} ( it should have been {$910.00} if the math was correct ). XXXX prevents you from sending more than {$500.00} in one day so I waited until the next day ( Saturday XX/XX/2022 ) to send the money. Once I sent the money, I received another email asking for another {$500.00} ( Saturday XX/XX/2022 ). At this point, I had recognized that the email were fraudulent. There was also no evidence of these pending charges on my XXXX account. I contacted Chase on Saturday XX/XX/2022, and they said that since these payments were made through XXXX, they could not be reversed. I was able to place a request for USPS to intercept the package and return it to sender, but I lost {$800.00} and I am a XXXX XXXX I reported the buyer 's XXXX profile and the XXXX XXXX conversation we had.
Consumer complaint received 2022-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Dividend Finance Inc. (AL)

Acquired loan on XX/XX/22. Payment prior to statments XX/XX/22 {$100.00}, XX/XX/22 {$100.00}. Additional money sent XX/XX/22 statement {$14.00}, XX/XX/22 statement {$14.00}. All additional payments are being applied to the interest and not the principal. I contacted the company by email and a letter on XX/XX/22 stating all additional payments, dates that were to be applied to principal and asked for correction by next statement. No corrections have been made and they continue to apply all money sent to interest.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NC)

On XX/XX/2022, I applied for credit with XXXX. They approved me for a {$200.00} line of credit. XXXX did a hard credit inquiry, and when I went to check, Equifax had dropped my score to XXXX points! I could understand maybe dropping it to 5, even 10, but XXXX is ridiculous! My credit previous to this was XXXX with Equifax, now XXXX. I'm trying to make an effort in improving my credit score, to move forward, not backward! I called Equifax toll free number and explained to him exactly what I said here! His reply was Sorry and he hung up! It's bad enough a large drop like this, but to stay on your credit report for 2 years!
Consumer complaint received 2015-07-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

I was unable to make a payment online like I was able to a month ago in XXXX. This month it would not allow me to do so and insisted I include late fees or I would not be able to make the payment. I feel as if I am being discriminated against by this company.
Consumer complaint received 2022-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

My student loan is $ XXXX. The interest is $ XXXX for a total of $ XXXX. How is this legal? I just found out after 30 years that each time a loan changes in format, the interest capitalizes. This was never explained to me. For years, Navient and SAllie Mae have outsourced to people in XXXX to answer calls, who never explained this properly and I couldnt even understand due to their language barrier. Navient also allocate payments 70 percent to interest instead of the base. No company does this! This debt is preventing me from helping my son XXXX XXXX XXXXXXXX! for a place to live. This is the second time I am complaining. Why dont the politicians look into the ridiculous interest leaving people in debt? How is this legal? Bad business practices!