davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (LA)

Account was originally opened in XX/XX/XXXX where I purchased a washer, dryer, and a T.V. I was offered a 12 month no interest deal which I accepted. In XX/XX/XXXX,  I experienced a substantial flood in Louisiana and lost everything. I filed a claim through the insurance that XXXX XXXX  XXXX XXXX  gave me and it was explained that I could replace the items that I received in which my 12 month interest offer would be extended or let the account be closed out. I choose to get a refrigerator, washer, and a dryer and was told by the female customer service agent at the XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX that the no interest deal would extend unto the following year from the date of purchase. I made regular payments until in XX/XX/XXXX I called to pay off account and paid {$1300.00}. At that time I was told that my 12 month interest free had expired and I fought the payment and only agreed to pay {$1300.00} on the account that day because I was told once I paid that a manager would look over the account, process it and close it out. That never happened and I started receiving phone calls from Conn 's starting in XX/XX/XXXX stating that I owed money still. I fought with them and told them I did not owe that amount. Spoke to a collections manager and she asked why I didn't sign anything and I explained to her what had happened. eedless to say, she said I owed the remaining balance. I started talking to an attorney to get some insight and did not pay the amount being requested. However, with legal counsel I was informed that it would be better to settle this matter instead of going through legal channels and so when I was given a settlement of match pay on my phone I called to make the arrangement on the XX/XX/XXXX at about XXXX XXXX that evening. Once on the phone I spoke to several different individuals and it was stated to me that if I made a payment of XXXX Conn 's would match dollar for dollar the amount paid and then I would be refunded the extra amount owed back to me. This was because of the rules of the match pay I could not pay only the {$580.00} that if matched would bring my account to fully paid. I had to pay a total of what would equal 3 months of payments to have the deal recognized. Now Conn 's is saying the will not honor the deal. I have talked to several of their agents and gone over the notes they have on file. The voice mail that offered the deal for match dollar for dollar came from XXXX at XXXX XXXX
Consumer complaint received 2016-07-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (SC)

I 've become aware that Ford Motor Credit is reporting an outstanding balance that I know to be incorrect. I have disputed this account record but they have verified to the credit bureaus that the information is 100 % accurate. Not so. I requested an itemized bill showing how the sum of the charges added up to what they 're saying I owe. Reporting an incorrect balance to the credit bureaus is a FCRA violation. I 'm requesting your assistance in helping me get this company to correct my credit reports.
Consumer complaint received 2017-01-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (FL)

Received a Debt from AR RESOURCES INC {$260.00} DEBT WAS DISPUTED. RECEIVED A LETTER FROM THIS COMPANY. 
Please be advised that your above referenced account has been closed in our office. 
AR Resources, Inc. will notify the credit bureaus to have this account removed from your credit report. 

I checked my XXXX credit report and this is still listed on my credit report. This was disputed with XXXX and they advised that it was verified. How can this be verified when AR Resources has advised account was closed.
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (SC)

I bought a XXXX program and linked it to my bank account. I did not download from the acct. Beginning in XX/XX/2015 I began getting OLB service fee charges of {$7.00} per month. When I called XX/XX/XXXX, BB & T said it was a XXXX issue and XXXX was charging the fee. Later I learned it was BB & T. To make a long story short I have had service fee charges nearly every month since XX/XX/2015. I have had to call each month and get a refund. In XX/XX/XXXX, I was told to change my username and password. I did and I have had charges XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So I still have to take the time to call and be placed on hold and go through my story and request a refund. If I had not been vigilant about reviewing my account and persistent about requesting a refund, BB & T would have taken this money from me. I am certain they are doing this to others. I do not use the XXXX download service and the account is not linked. There is no basis for these charges as BB & T acknowledges but they continue to charge me.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (TX)

I have made additional payments on my loan every month since origination, yet it still shows the maturity date as XXXX 2022. I believe my maturity date should recognize the thousands of dollars I have paid in additional principal and reflect an updated ( and reduced ) maturity date when I look at my loan information on the company 's website.
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (CA)

On XXXX XXXX, 2015 I sent a formal letter via Certified Mail with Return Receipt requested by USPS to this company disputing and requesting validation for a debt they have listed on my credits reports. This account was posted to my credit reports without my having ever received an initial notice from the company that the debt existed or informing me of my right to dispute it. I have received proof from USPS that my letter was accurately delivered, and according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, the business legally has 30 days to respond to this validation request, otherwise it is illegal to continue collection efforts, including reporting this alleged debt to the credit bureaus ( which constitutes fraud ). It has been over the 30 days allowed by law and they have failed to respond with appropriate validation All I have received from them are a few pages with arbitrary numbers and my name attached to them, with no indication of how these amounts were calculated or that I ever agreed to pay these amounts. They have failed to verify that this debt is valid, that I have any obligation to them for the amount they are claiming against me, or that this debt is legally associated with me in any way. Furthermore, they have reported this debt as " Verified '' when I filed a dispute action against it with the credit bureaus, even though there is no provided proof that it is, in fact, valid. This action constitutes fraud and defamation of character, in addition to violating the previously mentioned debt and credit Acts. For these reasons, I sent a final deletion request to the company on XXXX XXXX, 2015, and gave them 10 days to respond before I file legal proceedings against them.
Consumer complaint received 2016-04-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

In the last XXXX months, Nationstar has incorrectly applied 2 of my 4 mortgage payments. Instead of applying my payments as directed, they have simply taken the whole amount and applied to principal only, essentially forcing me to make a secondary mortgage payment for the SAME month. The first time this happened was for the XXXX XXXX payment. I paid it early, XX/XX/XXXX, in an attempt to budget for XXXX, holidays, etc. Upon discovering it, I believed that somehow it was my mistake and that I paid XXXX XXXX 's payment too early ( i.e. in XXXX instead of XX/XX/XXXX ) so I did not investigate the matter further at that time. However, this has happened again for the XXXX XXXX payment. On XXXX XXXX XXXX, I paid XXXX XXXX payment which was processed correctly. Per statement dated XXXX XXXX the next payment was due on XXXX XXXX XXXX. On XXXX XXXX XXXX, I paid XXXX XXXX payment. This payment was not applied as directed. On XXXX XXXX XXXX, I was attempting to pay XXXX XXXX payment but discovered that according to Nationstar my XXXX payment was outstanding and overdue. Therefore my intended XXXX XXXX XXXX payment was accepted and applied to XXXX XXXX, i.e. Nationstar demanded payment for XXXX XXXX XXXX mortgage in XXXX consecutive month statements. This is an unacceptable violation of the Homeowners Protection Act to be billed TWICE. I have all the back-up for the statement dates and the payment allocations which were not done as indicated. There is absolutely no mistake on what I was making payment for or where I was allocating the monies so their practices are deceptive and fraudulent. It appears as though Nationstar is illegally trying to effect payment default on my loan to begin loan modification processes. I have contacted Nationstar, specifically XXXX XXXX, to correct the matter but to date, they have refused to comply and also refused to provide information of Department Manager so that I may escalate the urgent matter.
Consumer complaint received 2016-02-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OK)

XXXX XXXX, 2016 I received the attached FHA Pre-Approval letter from XXXX XXXX of Quicken Loans for {$110000.00} of a Home for Sale Purchase Price of {$120000.00}. Her cell number is XXXX. I signed a Sales Contract, at that time, for a home @ XXXX, XXXX, OK through my realtor XXXX XXXX @ cell phone ( XXXX ) XXXX. 
I then paid the Title and Abstract Company $ XXXX. XXXX XXXX, 2016 I received a phone call from XXXX XXXX, advising that she could not pre-approve my home loan for {$110000.00} but for only {$95000.00} which is {$20000.00} less than her XXXX XXXX, 2016 pre-approval letter. This is FRAUD regarding this FHA Quicken loan. XXXX XXXX 's Licensed in State of Oklahoma is NMLS # XXXX I had already advised my apartment manager of my ending my lease XXXX XXXX, as the Title and Abstract Company scheduled the home purchase closing for that date. What can you do to correct this matter so the XXXX/XXXX/2016 Pre-approval letter for {$110000.00} is my home loan amount? Thank you.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

I reached out to Self lender because there was incorrect information on my account regarding a late payment of XX/XX/XXXX and not showing payments for XX/XX/XXXX and XX/XX/XXXX. Self lender disputes team said they were going to remove the late payment XX/XX/XXXX and again on XX/XX/XXXX but the incorrect payment remains there on XXXX and XXXX. In which it is heavy affecting my credit score. I wish receive the incorrect deleted.
Consumer complaint received 2023-01-05
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. (CA)

On XXXX/XXXX/2022 I filed a complaint via Consumer Financial Protection Bureau, that consumer reporting agencies reported many of my accounts without my permission. All three credit bureaus have resolved my complaint but have not removed my accounts.
Consumer complaint received 2023-02-06
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: Synovus Bank (MD)

This company is reporting late payments on my credit reports. 
According to the FCRA reporting of my payment history is illegal. This company is also in violation of GLBA because my consent is needed in order to share my non public information with nonaffiliate company such as XXXX, XXXX and XXXX. Below are 2 of the federal laws that this company is violating.

1 ) 15usc6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) 15usc1681A ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Failure to update all payment as current within 30 days make this company liable for {$1000.00} per violation according to 15usc1681N
Consumer complaint received 2022-08-04
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)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

This complaint is regarding a debt with XXXX that occurred over five years ago in which the company charged me incorrectly. At the time, I contacted XXXX attempting to dispute the amount but there was no resolution. My account was immediately sent to collections and it was subsequently charged off with a reported debt of over {$400.00}. Several weeks ago, I noticed that the charged off mark from XXXX had disappeared from my credit report and assumed that it had aged off per the statute of limitations set forth by the FDIC. 

However, that was not the case. The XXXX debt was apparently sold to a debt buying company because today a new creditor called XXXX XXXX XXXX has flagged my account with a brand new debt of {$550.00} carrying a due date of XX/XX/2018 which is today. 

It is clear that this action was taken by XXXX and XXXX to circumvent the consumer protection law regarding time limitations on credit reporting.
Consumer complaint received 2023-02-06
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. (IL)

On XX/XX/XXXX I received my credit report from XXXX. In reviewing my report I noticed several errors on my report. So after a few days I sent letters to the credit bureaus ( XXXX and Equifax ) on approximately XX/XX/XXXX highlighting these errors. Specifically a XXXX XXXX  account # XXXX because of obvious errors on the report. They both reported the account but they both reported VERY DIFFERENT information which obviously brings the reporting into question. I submitted a dispute because I am aware that any reporting accounts must be 100 % correct or they must be removed. I submitted a disputed with the information that they both were reporting to show them both the errors. There was OVER a {$24000.00} dollar difference in the high balance ( XXXX- {$29000.00} and XXXX {$5700.00} ). They both can't be correct. The date of last activity for XXXX was XX/XX/XXXX but the date for Equifax showed XX/XX/XXXX. The was over a year difference. They both couldn't possibly be correct. The date of the last payment on XXXX showed XX/XX/XXXX while the last payment date for Equifax showed XX/XX/XXXX. These are flagrant errors and should've been caught by the bureaus had they done a proper investigation. I submitted a request for their method in verifying these accounts with no response. 

Secondly there is a collection account from XXXX XXXX. I submitted a dispute for this account highlighting the errors in its reporting on bot XXXX and Equifax. Date of last activity, Date reported, and others. 

Then in the month of XXXX I pulled a second report and found that the information had not been corrected or removed but it was also listed as NOT DISPUTED. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA and because of this I am having a very difficult time obtaining housing and an auto for transportation.
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc (PA)

I dont have this credit card, nor did i ever recieve this credit car, however it is non my credit report. I would like this whole enitre account shut down and to never open back up! I dont use paypal the first time i ever had an account was just the other day when i made it. And I would appreciate a letter in the mail or even an email stating that paypal will shut this whole account NOW! THANK you very much! XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX PA XXXX, AND I HAD A STATE I.D TO PROVE THAT AS WELL, ALSO YOU CAN SEND ME AND EMAIL AT XXXXXXXXXXXX thank you very much
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Paypal Holdings, Inc (AZ)

i signed up for a paypal credit card so I can make a large purchase on XXXX and get 0 % interest for XXXX year, I never made the large XXXX purchase but continued to make small purchases. paypal took it upon themselves to use there credit card to charge all my XXXX purchases, I never wanted to use this card until I made a large purchase, paypal already had all my bank debit card on file and should of used it to make payments not there credit card, I have used this debit card with paypal for XXXX for the past XXXX years. i feel that in the near future paypal will start to charge interest for every purchase from day XXXX at a very large interest rate. I have also emailed paypal several times and never got a reply.
Consumer complaint received 2016-11-04
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I am writing this letter in regards to a money transfer problem I am having with PayPal. 
On XXXX XXXX 2016, using PayPal 's money transfer service, I authorized a money transfer between my bank account and my son 's PayPal account in the sum of {$3000.00}. Five dollars was PayPal 's fee for the transfer, {$3000.00}, for my son. As cited on my bank statement, the withdrawal from my account, as an electronic check, happened the same day of the authorized transfer, XXXX XXXX. PayPal 's website claims that the money would be available six days from the authorized transfer, on XXXX XXXX. The day came and went, no transfer, the money is still pending on my PayPal account as of XXXX XXXX, 2016. 
I have tried a stop check and filed a claim with my bank against PayPal ; the bank said that because the withdrawal was in the form of an echeck ( can not be traced ) and it was authorized by me, that there is nothing the bank can do for me ( after 10 days and a fee ). We tried a XXXX phone conversation, me, my bank, and PayPal with no resolution, PayPal 's customer service representative misread my information and told us the money had been transferred to my son 's account, when I checked later by computer, it had n't. On my PayPal account site for some reason, above the transaction it reads 'pending ' but under my son 's name, it reads 'money sent ', yet nothing 's been sent. I called XXXX local lawyer offices looking for advice, XXXX told me to write our state XXXX and file a complaint with the Consumer Financial Protection Bureau, the other office suggested I try to call the XXXX that processes the echecks. 
I have called PayPal 9 times since XXXX XXXX and no customer service representative can assist me with this problem, nor can they give me a real reason why the transfer has not happened. I was to get an email about the problem, yet never did. All the customer service representatives tell me they can not give a time frame for when the transfer will occur. XXXX representative told me that it was my bank holding the money ( not ) ; XXXX others said that ACH the business that processes the electronic checks, lost the link to my check, there was to be an IT technician on the problem soon, still no time frame. I asked PayPal if I could call XXXX, they said no. I called the company that writes the rules for XXXX, XXXX XXXX XXXX XXXX XXXX, and asked them if PayPal or XXXX could have lost the link to my check, they said it was not possible. So, I am at a loss as to how to get this money either back into my account, which would be my number XXXX resolution, or into my son 's PayPal account, where it should have gone in the first place. 
Any advice, information, or assistance will be greatly appreciated!
Consumer complaint received 2017-02-09
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (TX)

I signed up for and verified my account with Venmo XX/XX/XXXX. On XX/XX/XXXX, I referred my landlord to the service and paid rent to them. The money immediately left my account but was not delivered to my landlord. I requested they call me, they refuse to call me. They refuse to return my money. They refuse to pay my landlord. I have asked for a timeline for when the " investigation '' will be completed. They a unable to provide this information. They user agreement indicates investigations will be resolved in 10 days. I have been told directly they will take as much time as they feel like to resolve the issue.