davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (AZ)

If the IRS didn't do a direct deposit into my account, I would NEVER use PayPal again!! {$600.00} dollars was deposited into my PayPal account I transferred it to my Paypal Prepaid MasterCard ending in XXXX. Before traveling I lose my card, then remember PayPal sent me another card ending in XXXX. Traveling through hills I tried to activate the card but lost signal and the call was dropped, thinking it was activated/registered I add it to my XXXX wallet and now it keeps getting declined saying insufficient funds.. WHERE IS MY MONEY??
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

This money transfer transaction was done on Paypal. The person who I was initially in contact with ( XXXX XXXX XXXX who claimed to be a pharmacist gave me the email address of the person who was to provide a product which I never received ( XXXX XXXX ). The person named XXXX XXXX had a channel on XXXX called XXXX XXXX XXXX. I have been blocked and banned from this channel and the channel is now under a different name other than XXXX XXXX. He was offering meds for low prices. Apparently HE is the scammer named XXXX XXXX who scammed me out of {$350.00}. I tried to appeal this through PayPal, but they ruled in his favor even though I told them he was a scammer. I had to send the money through Paypal 's friends and family feature, which is how he gets away with this. I am closing my Paypal account after having it for 21 years. I am sick of them allowing these people to do this and always ruling in their favor. This is not the first time this person has done this. I have seen other complaints about this person on other XXXX channels, so I am sure that Paypal has been hit with numerous claims, none of which are being resolved satisfactorily. The XXXX channel is gone along with all of the correspondence I had with this XXXX XXXX XXXX. There is nothing that I can send to defend myself against this scam. I can see the email address on the Paypal resolutions statement, but that is NOT the same as where the money was sent. I don't have the original email address, but Paypal should even though the one they are showing for this person is not the same as the one where the money was sent. This is a scam and this person needs to be stopped.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CT)

Chase Bank is charging me almost 30 % on my credit cards. I pay the balances or keep them low and they refuse to lower the interest rate. They say that it will come up for review but can not tell me when that might happen -- it's at their discretion. 

I want the interest rate lowered. I am not asking for 0 % interest but it should be lower than 30 %.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2022 there was a charge on my Sam 's Mastercard for {$42.00}. I went on my Sam 's account and verified I didn't purchase anything on this date for that amount. So, I called Sam 's customer service and they stated it was a charge that " XXXX '' made ( my sister is my free 2nd membership person ). I explained to them that is my sister and she has no access to my account and how could this charge be on my credit card? They said we do not see any purchases under your account for Sam 's on that day for that amount. I explained yes I know that is why I am calling. So, once again I asked how could XXXX have made a purchase and it show up on my Credit card. They said they would have to have the back office check on and get back with me. Needless, to say I never heard back and I called back again on the XX/XX/2022. They directed me to contact Synchrony bank and file a dispute. I called Synchrony and filed a dispute. However, no one can explain to me how this transaction could even happen. My sister lives in Kentucky and I live in North Carolina she has no access to my credit card. My sister physically was in the Sam 's club in XXXX KY and made this purchase with her debit card. She sent me a copy of the receipt showing it was purchased with her debit card and cleared her bank. When i sent all paperwork to Synchrony I also requested a detailed explanation of how this transaction could have been put on my account when there is no access to my Mastercard. I have not heard back from them for explanation I have received a credit. However, there is a breach on their end for this transaction to even have happened. I have requested an investigation but have not heard back. This is very concerning because if I had not checked on my credit card Sam 's would have been paid twice once from my credit card and once from my sisters debit card. How this could even happen is concerning and needs to be addressed and investigated.
Consumer complaint received 2019-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CO)

Hello, I have had a debt ( {$24000.00} ) with the company XXXX XXXX since XX/XX/XXXX, which has been precarious for I had relied on Military benefits to repay, but which I eventually learned would not come, and have not been in the United States until one year ago to rebuild my life here. 

In acknowledgment of my failure to make these payments, I do not condone the tactics taken by XXXX XXXX to collect these debts. 

When the company realized my mother, the cosigner, had lost her fiance on XX/XX/XXXX, they immediately looked into his assets and determined they would intimidate her days after his death to take advantage of her grief with unclear threats. XXXX XXXX ( Employee ID # XXXX ) was the collector making the calls and threats, intimidating my mom on the day of her finance 's funeral, XX/XX/XXXX after a time trying to get my mom to warm up to her. My mother was shaken from the death, and wanted XXXX to stop harassing her and eventually gave in to the money drop on XX/XX/XXXX with a {$2000.00} credit card payment, yet that money itself is more debt than my mom is able to handle herself. But they wanted more, {$14000.00} in total to keep my moms name off of the contract, and continued to harass for any possible way to make large lump sums with me beginning on XX/XX/XXXX. Then XXXX found my brother 's cell phone number and began to harass him on XX/XX/XXXX. I have repeatedly stated we are not in a position to make large lump sum payments, and must sort out a monthly plan, which they repeatedly refused to consider. I find this unethical, given I spent most of this last year working for a XXXX XXXX XXXX that XXXX XXXX XXXX with helping the XXXX XXXX ( XXXX XXXX XXXX ), which is why I am struggling to build back money to sustain myself and help my mother who now carry 's even her hXXXX XXXX XXXX XXXX. I am seeking to coordinate this into a monthly payment until I am able to get back on my feet. 

Thank you for your time.
Consumer complaint received 2022-10-12
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. (NJ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX** 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 an account without my written instructions.
Consumer complaint received 2021-01-08
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. (FL)

XXXX XXXX agreed to remove the late payment marker for XX/XX/2019 from my credit report from all credit bureaus. Unfortunately Equifax is reporting this negative data incorrectly. I've tried disputing it and still no resolution. I called XXXX XXXX last year regarding this matter and I was promised this was going to be resolved. This error has impacted my credit score tremendously.
Consumer complaint received 2022-10-12
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

I was informed the week of XX/XX/2020 that might count has been in active. I had called the company and they had told me to send in my paystub a form of identification and my Social Security card. I had sent all of these items XX/XX/XXXX I called probably about A week later to see what was happening with my account because nothing you know was changed then the lady informed me that I need to send the C ID number with that is tied to my card but they did not tell me that when I had called the first time so then I send all the information again with my C ID number then I give a called again the following probably week and a half or so away whats up my account all the images are too little we cant see them can you send it again so I sent the information thats very important information my of identification to them and they couldnt see it so I sent them one more time and then they had bothered to say oh can you send it one more time in 200 or 300 % so we could read your form identification I did this XX/XX/XXXX I called today give me five business days so they could receive the fax and I am informed once again that I need to send my form of identification one more time plus my fiancs information where as I told her why didnt you guys tell me this from the beginning she answered I dont know they should have told you this is been in your this has been in your account since XX/XX/XXXX that I needed to send information of my fianc which does not make sense because he has nothing he is not in the account this is my account I am the account holder. Every time I call they give me another task at hand where it should just have been said from the beginning every time I call its something new Ive been dealing with this issue since last year XXXX I couldnt do a lot of things because I have so much money on this account that dont have access to. Now they said I have to send my information again and my fiancs information. I do not have a problem sending this information but this would be the sixth time I send very important at information without anything happening to my account.
Consumer complaint received 2019-01-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MEI AUTO FINANCE INC (TX)

They call 6 times a day and leave detailed messages about me being past due. They call when Ive already set up an arrangement as well call before my payment is due. They harass my references as well as myself. Telling them I owe a debt and they need to get in touch with me when they have my number. I have sent a cease and desist as well as verbally given one to a manager at the office. Even after I had spoken with her I received another call. Today XX/XX/XXXX I have 5 calls 2 voicemails XX/XX/XXXX 1 voicemail 2 calls XX/XX/XXXX 3 voicemails 4 calls XX/XX/XXXX 1 voicemail 3 calls XX/XX/XXXX 3 voicemails 4 calls XX/XX/XXXX 3 calls 2 voicemails I have recorded messages saying I owe money. They are violating Fdcpa I want to peruse legal action and have debt discharged. These are predatory loans and collection practices. The reps scream and berate in an unprofessional manner I want to cut ties with them and am referring to an attorney! They are to no longer call my cell phone and must communicate with me via us mail! Mei auto and anyone affiliated with them do not have permission to call me or my references again for the life of the loan!! The manager I spoke with last week said that the car was in jeopardy because I was 5 days late! I explained that I keep being called and she said I needed to make a payment and they would stop! I advised of cease and desist and was still called 2 more times after I had already spoken with the company! This is illegal activity!
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (NY)

I have unauthorized inquiries on my report and would like it to be removed, If you can not provide proof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not XXXX compliant or meet XXXX requirements, Please remove items immediately!!
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Progrexion Holdings, Inc. (DE)

XX/XX/XXXX sign up for a trial offer thirty days cancel anytime with credit repair. Com. On XX/XX/XXXX I was charged {$120.00} fees. I called and spoke with XXXX XXXX who said I have you on a recorded line saying you signed up for this service. I told him I wanted a supervisor because what I said was I was told a free trial with a cancellation at anytime. I was charged prior to the thirty days. Instead of putting a supervisor on the phone he hung up. I called back and ironically XXXX cancelled my account. When asked about a refund I was out in a hood and AGAIN the call disconnected.
Consumer complaint received 2022-10-12
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

A statement of last 10 transactions dated XX/XX/XXXX from my local Wells Fargo ATM shows a posted and available balance of XXXX and includes three overdraft fees on XX/XX/XXXX. An ATM statement of last 10 transactions dated the following day XX/XX/XXXX shows an available and posted balance of XXXX, but now with only two overdraft fees on XX/XX/XXXX and a credit of {$2.00} on XXXX so the balance should have been XXXX higher by the one {$35.00} overdraft fee that disappeared between XXXX and XXXX
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My credit score dropped over 100+ points basically over a couple of days. There was, is no activity to justify this but illegal tampering with my credit scores to and credit my report. I believe someone has illegal tampered with my credit scores.I would like an investigation done and my credit scores to be corrected.
Consumer complaint received 2021-08-20
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. (NJ)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2019-01-26
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. (IL)

I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX ) 16 ) XXXX  ( XX/XX/XXXX ) 17 ) XXXX XXXX ( XX/XX/XXXX ) 18 ) XXXX XXXX ( XX/XX/XXXX ) 19 ) XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 20 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 21 ) XXXX XXXX ( XX/XX/XXXX ) 22 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2021-08-20
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: ERC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Nicholas Financial Inc. (KY)

I purchased a XXXX XXXX XXXX through Nicholas Financial in XXXX of XXXX. The term of the loan was 48 months. At the end of the 48 months, actually 52 months, I was told that I still owed over {$4200.00} for the vehicle. After several unanswered question, multiple complaints, and heated discussions Nicholas Financial repossessed the vehicle in XXXX of XXXX. They reported to the credit bureaus that I defaulted on the loan and still owed {$4200.00}. I attempted to contact them several times, with no success. I later found out that their XXXX office had permanently closed, and that they couldnt give me any answers because the office and paperwork was left in a mess. I then contacted the headquarters in Florida to discuss the charges at the end of the loan. The representative explained that it was for company forced insurance that they placed on the vehicle. I explained to her that I didnt need that because I had my own insurance on my car. Her response was that if my insurance company didnt continuously update them during renewal time then they would automatically force place the insurance, even though nothing about the policy had changed and there was no lapse in coverage. I asked her why wouldnt they just reach out to me to verify coverage, she didnt have an answer. I then asked for information about the insurance company and what kind of coverage it provided. She told me that it was an in house insurance company and that her computer couldnt give her any information about the actual insurance or policy itself. As I kept questioning her about the price, frequency, and decision to start the insurance without notifying me she became increasingly agitated and aggressive. She eventually hung up on me. I paid for 52 months on a 48 month loan, and they still repossessed the car. How are their actions legal? What can I do to get this removed from my credit report, other than pay them more money?