davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (SC)

I HAVE A CD WITH ALLY BANK. THE CD RENEWED FOR 1 YEAR ON XX/XX/XXXX. I NOTIFIED ALLY BANK IN XXXX WHEN I RECEIVED NOTICE OF RENEWAL THAT I WISHED TO CLOSE THE ACCOUNT. ON XX/XX/XXXX I RECEIVED A LETTER STATING THE CD HAD RENEWED. I WAS OUT OF TOWN UNTIL XX/XX/XXXX AND CONTACTED ALLY BANK UPON MY RETURN. I WAS TOLD THAT MY PREVIOUS REQUEST WAS ON FILE BUT THE TELLER FAILED TO PROCESS IT PROPERLY AND IT WOULD BE TAKEN CARE OF WITH NO EARLY WITHDRAWAL PENALTY. THREE WEEKS LATER AND STILL NO CHECK. I CONTACTED ALLY BANK ON XX/XX/XXXX TO DETERMINE STATUS. ALLY INDICATED THAT THE ACCOUNT WAS STILL OPEN AND ACKNOWLEDGED PREVIOUS CONVERSATIONS AND WOULD EXPEDITE MY REQUEST. I WOULD THINK THAT 2 MONTHS IS LONG ENOUGH TO CLOSE AN ACCOUNT.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (ID)

This company reported my late for XX/XX/2019, XX/XX/2019, and XX/XX/2019 when I would not had been late had their customer support responded to my emails sooner. The only way to contact this company is via email. It took them over 24 hours to respond when I needed my bank account corrected since their online system wasnt allowing me to change it. When I finally got a response it was too late and they reported me late for XX/XX/2019. Same thing happened on XXXX and XX/XX/2019. They had the wrong bank linked to my account so I tried to change it again but their system wouldnt allow it. After another 24 hours and back and forth emails they finally manually processed my payment but again it was late because of the lack of customer service and the poor their application having so many glitches.
Consumer complaint received 2020-01-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Viking Client Services (OR)

On XXXX the XXXX of XXXX I, XXXX XXXX rented a vehicle from XXXX at the XXXX/XXXX. XXXX Airport and did return this vehicle to the same location on XXXX the XXXX, XXXX. My deposit was refunded, and final charges to my Visa CC were on XX/XX/XXXX. 

The XXXX week of XXXX, XXXX, I received a letter, in a nondescript envelope with no company logo or information. This looked like junk mail, but was in fact a letter from Viking Billing Service, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 
This letter claimed I had caused damage to the vehicle rented from XXXX and to send Viking money. 

I called the XXXX company at my earliest convenience, which was XXXX the XXXX, XXXX XXXX to request more information. I was given no information verbally or in writing regarding any damage claim. I try to follow up again on XXXX the XXXX, XXXX with the same lack of result. I have called XXXX many times to resolve this, and not once was I given any information regarding damage to the vehicle. 

I have now received another letter from Viking, again nondescript envelope that looks like junk mail. This letter claims in is the final letter, and that this matter could now be sent to collections. 

I have spoken with XXXX XXXX of Viking Billing Service now on XXXX the XXXX, XXXX, and he has finally sent to me a 34 page pdf file of the damage claim including a signed " Contact form '' from XXXX the XXXX which someone claims they called me, and were told " wrong number ''. My phone records from that day indicate I received exactly 1 phone call, from a local XXXX area code number. 

This document also has pictures of vehicle damage dated XXXX XXXX. 

Viking Billing Service is a DBA of Viking Client Services, XXXX. 

Viking has violated the The Fair Debt Collection Practices Act, as enacted by the 95th United States Congress, as they did not contact me within the allotted 5 day period to validate their debt, and violated the 30 day debt dispute clause, as they failed to contact me in a timely manner. 

I have also written a letter to XXXX XXXX XXXX, Executive Vice President of Global Sales and Marketing at XXXX. 

Given the class action lawsuit against XXXX from XX/XX/XXXX regarding a pattern of behavior near identical to what I have described in this complaint, I would like XXXX and Viking to cease this claim. 

Attached is the 34 page document as sent to me from XXXX XXXX of Viking.
Consumer complaint received 2020-02-16
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. (FL)

I have 4 close account and still show on my equifax Still open, I call all this creditor and they confirm me this account is close Dispute it on equifax and they remove and add this account at the same moment, try and tired to call equifax
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

I made a purchase thru PayPal on XX/XX/2020 to a company called XXXX  XXXX XXXX or  XXXX  XXXX XXXX or XXXX XXXX XXXX ( all three are one business ). Paypal did not disclose a user fee of 2.9 % to me prior to submitting the transaction. I purchased first thru credit card and the seller notified me the user fee was applied on her side. I tried to block the transaction and reported as fraud. Then I attempted to make the purchase thru debit card as the seller told me there are no fees when using debit card. No fees were disclosed to me prior to submitting the transaction and again the fee was applied on the seller side. The purchase price was {$2500.00} and the transaction fee amounted to {$72.00}. The seller had me pay the transaction fee to her via check. I asked Paypal to refund the fees and complained there was no disclosure of fees before I submitted the transaction. I have asked them to refund at least one purchase as they are duplicate purchases and they have refused to refund it. They insist the seller should refund the purchase rather then them, but then I will be paying two transaction fees of {$72.00} each because the transaction fee still applies even when refunding the fee if done by the seller. I have spent hours using chat message and waiting on eternal hold via phone line to get this resolved. They refuse to have a manager call me back with contact information so that I can directly talk with them.
Consumer complaint received 2020-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in ( Whatever Year ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2020-02-16
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: Experian Information Solutions Inc. (LA)

The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion. 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, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX/XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-02-16
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: Experian Information Solutions Inc. (FL)

There have been a ton of multiple unauthorized access to applying to numerous credit cards hard hits on my social security number. Ive been a victim of identity theft and I had fraud claim through IRS in which I was a victim of too. I hired XXXX XXXX XXXX to clean the mess up in XXXX and got my credit back on track score was XXXX in XX/XX/XXXX now it is XX/XX/XXXX its XXXX All because someone keeps applying for credit cards in my name. Ive tried to get my credit report from Experian and Ive sent them all the documents necessary to by law and never received them. XXXX  was hacked my number was involved with millions consumers. Ive even waisted my money on there website to see my report they have locked it. I have every legal right to see my consumer finance profile and it is being illegally with held from me. I want something done about these hard hit inquiries removed points back on my credit report especially when I did not authorize I have FREEZE for fraud against me.
Consumer complaint received 2020-02-16
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. (LA)

The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate  and permanent deletion. 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, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report ... XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX XXXX, UNKNOWN XXXX, XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hi My name is XXXX from XXXX, thank you for providing this complaint facility so that I can be here to tell what I experienced. 
What I experienced might also have happened to other users, it all started on XX/XX/2020 ( ID - XXXX ). That is the funds held by Paypal for 180 days for no apparent reason, during that period the money there can not be added, can not be withdrawn but can be reduced. 
I have sent an email to Paypal through the resolution center but there was no response. I tried to contact via social media accounts, they could not explain what was happening, what was the problem with me and my account. they only said that I violated, but they could not explain what violations I had done. 
I have prepared evidence for that, all transaction data, documents from the government, even I am ready to provide the account username and password related to the investigation. 
I did not find a violation of myself, I did not sell prohibited goods, I did not cheat, I did not fake my identity for verification, I never used VPN to access my Paypal account. yes, i never do that. 
my money there is around 2800 USD ( this money is a lot for me ) but it's so small for Paypal.
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (SC)

I called Calvary Portfolio SE and disputed alleged debt. I also sent a letter which was written in XXXX and ask them to verify assumed debt. When I spoke with them and provided varied discrepancies, they kept on pushing. It was just too much, so much so that I told them to refrain from calling me. The calls were too much. 

After writing said letter, I am still waiting on the above named credit agency to verify assumed debt. I have received no correspondence from them as it relates to verifying assumed debt.
Consumer complaint received 2020-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2019, I mailed a letter to Transunion credit bureau notifying the credit bureau of errors found in how accounts are being reported by them on my credit report. Transunion does not investigate my claim. It's been 31 days and I haven't received a notice of dispute nor have I received any updates. This isn't the first time i've tried mailing in disputes for my accounts. I've tried pleading with Transunion to right their wrongs multiple times. They could not care less about errors in their customer 's credit report. They continue to verify false information on my credit report, even when I dispute it and provide evidence to support my claim. They claim and investigation has been done, but nothing has changed. My accounts are still reporting the same, showing the same inaccuracies. This is unacceptable.
Consumer complaint received 2020-01-22
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. (CO)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-01-23
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: JPMORGAN CHASE & CO. (IL)

XX/XX/19 there was a XXXX fraudulent charge on our card we contacted Chase the following morning after seeing the email to notify them of the fraudulent charge, No problem they would credit our acct. and issue new cards. They would turn it over to their fraud department. mid XXXX we were notified the charge would be put back on our card. The fraud department said they determined we benefited from the charge. They determined that we shopped at the same chain store the charges were made to. It seems apparent that they have not done any investigating into the matter. All they know is there was a fraudulent charge through ecommerce to XXXX. I was instructed if I could find out anything on my own to report it. So on my own I investigated and determined that someone ordered online 3 tons of merchandise ( very large truck ) - XXXX sheets of XXXX x XXXX gypsum board and XXXX cases of white siding from a store almost 2 hours away in the XXXX Illinois XXXX area. I live in the XXXX, Il area 3 XXXX within 30 to 40 minutes from my home. 

Amazing that this was so far from the norm of an almost 20 year customer that has faithfully paid his bill in full each month. A bill that probably average over XXXX each month. Basically called a thief until I can prove otherwise. What will it take?
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX I had submitted a request for a credit line of XXXX through XXXX ( I have a credit card with XXXX Signature card ) as I was trying to pre order a new product from XXXX. Needless to say, I was declined for the credit line even though my credit was in the 720s ( I thought ) So I researched through my account with Experian and saw that my Credit score had dropped to XXXX because of a dispute I had requested from what was being reported that I owed on my XXXX XXXX Account. The credit report stated it was XXXX and in reality it was only XXXX. I reviewed my dispute completion information and Experian had stated everything was correct. Which in fact they had changed the entire account from being an Excellent payment history to Good .. the date showing when I had opened the account was changed from XX/XX/XXXX to XXXX and the months in between those years were changed to missed payments and charge offs.. I was utterly dumbfounded because I ONLY disputed the amount I owed. I have contacted Experian and spoke to representative on XX/XX/XXXX to ask how cld my account being reported be changed in a matter of weeks from being 99 % accurate to 100 % inaccurate. The specialist stated that the best they could do is close the previous dispute and open a new dispute. I have uploaded all relevant documents from the merchant, my personal bank account and the contract itself in order for them to review. All the information I have given them is 100 % accurate and still Experian has not corrected my information. Today XXXX at XXXX XXXX  I called XXXX corporate office to discuss where the disconnect was and their information theyve been reporting to Experian. Their representative at XXXX ( XXXX ) had stayed that all the information I have in my possession and on my account through their website is 100 % accurate to where the account was opened on XX/XX/XXXX, no missed payments and the amount owed is only XXXX not the XXXX that Experian is reporting. That its an error on Experian. Im baffled at how this could happen in a matter of weeks simply on an amount owed dispute.. granted I understand this could be an honest mistake but under the Fair Credit Reporting Act any false information that has been reported or inputted on my account that resulted in me being declined for a line of credit could result in a lawsuit. Not that this is my intention. Not at all. I just want the truth to be reported and or inputted correctly
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The whole process with Bank of America was extremely unprofessional. First off, the loan officer I was working with spoke to me on a cell phone and not a recorded line which is violation with regulations. This took place from the time I started the process with them ( est : XX/XX/XXXX ) till I refused to talk to him anymore ( XX/XX/XXXX ) I told my loan officer multiple times that I wanted to escrow both my property taxes and HOI. He even emailed me at one point asking if I wanted to escrow my HOI and I told him again yes. I went to closing and the closing documents did not have me escrowing my HOI. Due to Bank of America already missing my closing by more then a week and how long it took them to create and send over the closing documents, I just proceeded with signing to cause no more delays. 

The whole Bank of America team was extremely unprofessional and inefficient. They were not sympathetic what so ever after we missed my closing date. During this whole process my loan officer messed up several times on my estimates and kept requesting for the same documents. Whenever me or my realtor would ask for an update he would not respond and the off chance that he did, he'd just reply " Working on it ''. We tried to contact his managers and even branch VP which for weeks none of them responded. After multiple attempts they final started responded but with the same short and unhelpful responses. I even attempted to go into a branch close by to me and see if someone within Bank of America could get ahold of someone for an update and they couldn't. On top of all of this, after the 3rd time we had to reschedule closing, my title agent reached out to my loan officer and was able to get in touch with him. She wanted an update on when she would receive the documents and he used profanity towards her.

I'm a mortgage loan officer and have worked and done business with a good amount of lenders. In all my time I've never seen such an unprofessional process from beginning to end. I hope everyone can see this and hopefully steer them from going with Bank of America in the future. I've talked to a few other people who have gone with Bank of America and they've all had similar experiences. I have been banking with them for over 10 years and will be changing banks immediately.