davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortgage loan was transferred by XXXX to Loan Care on XX/XX/2019. Loan Care is  supposed to be automatically debit my bank account {$1700.00} for my monthly payments. I was double-debited in XX/XX/2019 and have been trying to get my {$1700.00} double payment refunded. Details of my communication with Loan Care are shown below. 
XX/XX/2019 - My account was debited {$1700.00} for my XXXX monthly payment. 
XX/XX/2019 - My account was debited again for {$1700.00}. This was a double-payment for XX/XX/2019. 
XX/XX/2019 - Sent an email to paymentresearch@myloancare.com to report the double debit payment and request a refund of the XX/XX/XXXX payment of {$1700.00}. 
XX/XX/2019 - My account was debited {$1700.00} for my XXXX payment instead of the XXXX of the month as scheduled with Loan Care. 
XX/XX/2019 - Called Loan Care Customer Support and talked to XXXX to ask why my account was debited on XX/XX/XXXX instead of XX/XX/XXXX as scheduled. She said that my next payments will now be auto-debited from my bank account on the XXXX of every month. She also sent a request to process my XX/XX/XXXX {$1700.00} payment refund and asked me to resend my old XX/XX/2019 email to paymentresearch@myloancare.com. I copy-furnished the email to customersupport@myloancare.com. I was told to wait 5 days for the refund. 
XX/XX/2019 - Called Loan care Customer Support and talked to XXXX to follow up on the XX/XX/XXXX {$1700.00} refund. XXXX advised to follow-up after 2 weeks.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021, while on the phone with a Paypal representative and logged into their site, Paypal decided to limit my account access to my monthly recurring income from royalties. No explanation or recourse was offered. 

Basically, I was told that Paypal will contact me in 180 days with options for withdrawing my funds. 

I have done anything illegal. I AM guilty of trusting Paypal when I shouldn't have. 

Imagine a bank telling you that they will contact you in 6 months so you can get your funds. 

My case # Ref ID - XXXX
Consumer complaint received 2018-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

Had three unauthorized transactions on XXXX  app done without my consent or knowledge. The first was on XX/XX/2018 for {$300.00} and the other two were on XX/XX/2018 for {$1000.00} each ( {$2000.00} total ). I reached out to XXXX and tried to get it reversed. However, they said since the account it was sent to is one that I had a previous affiliation with that they could not do anything and that I would have to resolve the dispute with the person who received the money. She did not want to give it back so I filed a police report on XX/XX/2018 regarding the unauthorized transactions. 

I then contacted my bank with the police report and they reversed the charges from XXXX. I was contacted on XX/XX/2018 by XXXX  saying that I owed them {$2300.00} or else I would be sent to collections. I explained the police report and how the bank reversed the funds due to fraud and they were insistent that their terms of agreement say that I must resolve it with the person who received my money. I told them I refused to pay for fraud and they threatened to shut down my account and send me to collections for {$2300.00}. I spoke with a representative both in online chat and on the phone from XXXX.
Consumer complaint received 2022-07-29
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. (PA)

This is my 6th exertion to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-14
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: TRANSWORLD SYSTEMS INC (AL)

This is a formal notice pursuant to FDCPA 15 USC 1692g validation is requested. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to placed it for a collection with profit loss write off. I am requesting validation that is competent evidence bearing my signature showing that I have some contractual agreement to pay you. FDCPA Section 807-8 if you can not validate the debt you must request the credit reporting agencies to remove and delete it from my credit report.
Consumer complaint received 2018-12-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CA)

On XX/XX/XXXX we purchase a XXXX XXXX XXXX from XXXX XXXX XXXX nothing that we had discuss prior was on paper and the finance charges and rate was and is super high, we didn't complaint because we needed the vehicle, We gave {$1500.00} down payment and we where promise 1st payment to be until XX/XX/XXXX. Vehicle was finance through Westlake Financial Services 1st payment was schedule for XX/XX/XXXX. Took us by surprise, we made payment on line XX/XX/XXXX for {$330.00}. During this time XXXX  XXXX XXXX asks us to take car for smog because they forgot to do it. We pay out pocket and waist time doing their work. Now, XX/XX/XXXX received a text fro sales person asking me to bring car immediately to dealer to finish DMV registration that I needed to do it today. When car was there noticed sales person being like always and said that car was being repo because we failed to make payment for being negligent and not making my car payments ; my boyfriend drove car he had just recently gone through a major surgery in  XXXX   and is carrying a temporary bag. He tried to get them to understand but they where rude. Now, I am without a car were having problems getting to work and is costing us money. Payment was confirm through my credit card company.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called the 3 Credit Bureaus after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # Number XXXX, XXXX, XXXX and hoping that this XXXX  XXXX Balance : {$1300.00} ( XX/XX/XXXX ) Late payment will be updated.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to XXXX, Equifax, and XXXX. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I referred my brother to a CITI Bank account on XX/XX/XXXX. CITI bank has a member get member referral bonus of {$100.00}. Its been more than 6 months and I still have not received my {$100.00} referral bonus. Every time I call CITI, they say I should wait more. It's already been 6 months and they refuse to tell me when I will get my {$100.00} referral bonus.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TN)

About two weeks ago I was traveling and had to make a call due to continuing web access problems to get my account balance from my bank Wells Fargo. After getting my balance the Customer Service Rep. informed me that if I did not " enroll '' in some Bank " travel program '' I " may '' have my cards declined or holds put on them. So they want me to inform them if I travel when and where I will be or I " may '' have problems out of state. I would think they can put what ever restrictions they want on my credit card as that is their money. But how can they threaten to withhold my personal funds by declining my ATM because I have left my home state? This is to me extortion to threaten to deny my access to my own money if I fail to participate in the " please burglarize these empty homes list ''. They can not keep my cards safe as I have been hacked 2 times in 2 years why should I trust them with when I will not be home?. There own Customer Service people showed their honesty when they opened millions of bogus customer accounts. And I should trust these same people to keep it a secret that I am not home, really? It is none of Wells Fargo 's business when and where I travel. Are the selling this info? I feel sure there are laws preventing a bank for using extortion tactics to deny assess to your own money. I have traveled to the 48 contiguous states and 8 countries and never reported my whereabouts to my bank and will not in the future.
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

My student loans are currently being services by Pennsylvania Higher Education Assistance Agency. I have had several periods of " qualifying employment '' through the Public Service Loan Forgiveness program. I believe that PHEAA has overcharged me, which results in payments that carry over into the next billing period and result in fewer qualifying payments.
Consumer complaint received 2020-12-14
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: U.S. BANCORP (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-07-29
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. (GA)

I am appalled by the ability of the Credit Bureaus to ignore a consumer 's requests for the removal of the Fraudulent information being reported on my Credit report despite the past letters I have been sending them. This is my third endeavor to inform the Credit Bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : 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 XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-09
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. (TX)

I've submitted FTC and Police Report to this Credit Reporting Agency ( EQUIFAX ) on XX/XX/2021 according to FTC these fraudulent accounts resulting in Identity Theft must be removed in XXXX  days pursuant to XXXX usc 1681c-2. 


I've asked EQUIFAX to please delete XXXX XXXX AND XXXX  XXXX XXXX XXXX from my consumer report which they have failed so.
Consumer complaint received 2022-04-24
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: SYNCHRONY FINANCIAL (MI)

SYNCB/AMAZON ( Bank ) is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (NC)

I have a collection from AmeriFinancial Solutions , LLC dated ( XX/XX/2020 ) asserting a debt in the amount of ( $ {$570.00} ). This is currently reporting on my credit and it shouldn't be. I have reached out multiple times and have yet to get a response.
Consumer complaint received 2022-04-24
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)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XX/XX/2022 Amount {$440.00}, 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 2022-01-11
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. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-12-11
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (WA)

Chase Bank stopped sending mail without authorization. No bills have been sent to me. No option for paper bills are available according to the chase representative. In turn, a payment that did not go through was missed. Chase claims to have sent an email to email on file. However, it was not received. No call was made, no attempt to collect payment. Additionally online account has had significant changes and issues the previous months. 
In short, even though the payment was made, the late charges where reversed by chase and admitting that there was an issue from their part. The credit report still reflects negative. Account shows the reversed late fee 's.
Consumer complaint received 2018-12-11
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: EQUIFAX, INC. (MD)

I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below XXXX credit score bad. I really need help with this. Its preventing me to live my life : (
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

XXXX and Department of Education/Nelnet and Nelnet Loan Services is reporting accounts that are not mine. I have  disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report.
Consumer complaint received 2018-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo apparently has weak internal controls and accounting systems. Their mobile app indicated a transaction of {$7000.00} from XX/XX/1999 is pending which prevented access to my home equity line of credit. As a result of their poor systems and lack of controls, my {$15000.00} check did not clear with a vendor causing me much embarrassment and hardship during my construction project. This is a bank that has repeatedly hurt their customers over and over again and I wish you guys would make them get their act together.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$570.00}
Consumer complaint received 2018-12-11
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: SYNCHRONY FINANCIAL (OH)

Being charged for a fraud charge after contacting them serval times they final closed the card but are still asking for payment for something I never received I had tried to purchase a tv and XXXX XXXX from XXXX XXXX XXXX XXXX they claimed the was hold funds from credit card company I tried reach to bank they claimed the funds were in mean time no order was ever processed I am being charged for fraud charge I had contact them more them I should I have to try get this resolved and they say I still have pay balance when I nothing to show for it how is this even legal this was from synchrony home card They cloaked the card but are still asking for money for merchandise I never received I told them I didnt get no tracking information to prove that I have it I was scammed from retailer they recommended on there site now I am out for a cost XXXX I feel that is illegal and fraud how can you have someone pay for something they never got
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Titan Receivables, Inc. (CA)

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information TITAN RECEIVABLES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.
Consumer complaint received 2018-12-11
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)

i disputed, via certified mail, inaccurate information XXXX XXXX XXXX was reporting to the credit bureaus, as per the FCRA. I also called XXXX XXXX XXXX twice about this concern. The account is showing as Charged off/in collection when this is in fact not the correct information. My dispute came back as verified which is a blatant lie and against my rights under the FCRA. I am requesting that this account be removed from my credit report due to the companies failure to correct inaccuracies correctly as per the FCRA.