davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have an account with PayPal. I have been trying to withdraw approximately {$13000.00} from that account back to my linked accounts with two major XXXX XXXX from which I made the initials transfers into the PayPal account. Neither the mobile application or PayPal 's website is allowing the transfer due to systems issues. I have even tried to withdraw the funds by requesting a check to be mailed to my residence. That functionality is disabled as well. I have reached out and have spoken with a PayPal representative. The representative acknowledged the technical problems PayPal was experiencing and advised that the issue should be resolved within 48 hours. I asked if the representative can process the check to me after having verified my identity, and her response that she does not have the systems capability to manually process that request. 
Unfortunately, the issue was not resolved within the promised timeframe. In sum, my money has been stuck with PayPal for several weeks and I am being forced to incur finance charges on a credit card that I wish to pay off from the proceeds from my PayPal account. No company handling consumer funds should operate in this way - that is, to offer no avenue to withdraw the consumer 's money.
Consumer complaint received 2022-07-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX  XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My Bank of America credit card was paid in full prior to the payment due date. There was no balance or payment due ; however my checking account was debited for {$140.00} on XX/XX/XXXX, after the full balance was paid on XX/XX/XXXX. On or around XX/XX/XXXX I noticed my account had a credit balance in the amount of {$140.00} and saw it had been withdrawn from my checking account without my knowledge. 

I called Bank of America immediately and requested a refund and was told it would take up to 7 days. After 7 days I checked my account and there had been no activity. My credit card account still showed a credit balance of {$140.00}. 

I called Bank of America again to ask why I had not received my money back and was told it takes up to 14 business days ; now twice as long as I was initially told. 

Today, I checked my account again and there is still no activity. I still have a credit balance of {$140.00} on my card. I called back a 3rd time and today was told it takes 30 business days for the refund to process. 

This is beyond absurd and completely ridiculous. At no point in time has anything taken 7, 14 or 30 business days to reflect on my account. Payments made from my account take 1 day and I am now being told that it will take 30 business days to have the money to be refunded, which was never authorized to be withdrawn.
Consumer complaint received 2022-09-17
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. (IL)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove these charge-off accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$490.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these addresses according to the Per FCRA 605B ( 15 U.S.C. 1681c-2. It is not authorized to fail to validate these reporting addresses as unverified information without providing any proof within the period allowed by law. The following addresses need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Best Buy Credit Services has refused to issue a {$250.00} refund to me, despite getting a refund authorization from XXXX  XXXX airlines for this. On XXXX XXXX, XXXX, I bought 2 airline tickets on XXXX ( XXXX XXXX ) from XXXX using my Best Buy XXXX  card from Citi. Each ticket cost {$250.00}. XXXX canceled our flights, but never informed me - by the time I knew of it, 90 days had passed and Best Buy Credit Services told me I had missed my window to get a refund. XXXX also refused to refund, until after I filed a complaint with the US Dept of Transport. Finally on XX/XX/XXXX XXXX  issued refund authorizations. XXXX sent Citi ( Best Buy Credit Services ) 2 refund authorizations : XXXX XXXX for my daughter and XXXX did refund that to me. However, XXXX never refunded the second ticket, XXXX XXXX for my ticket. I was never informed of the refund and it was very difficult to get answers by calling the XXXX airline. I finally learned in early XXXX that XXXX  had also authorized the fund for MY ticket, too. I contact Best Buy Credit Services by phone in XX/XX/XXXX and began receiving letters saying they were working on it. When I phoned them to follow upXXXX XXXX told me that I never supplied the original purchase data of XXXX XXXX, XXXX which was nonsense. Each phone call to XXXX  consumed close to an hour, as I was shunted around with long hold times. Then on XX/XX/XXXX XXXX sent me a generic form letter stating 'they were unable to recover the funds ' because I had " not contact them in a timely manner '' and thereafter, when I tried to talk to XXXX I was rebuffed - they told me the matter was permanently closed. I tried emailing executives at the company and never heard back. I just today learned of this CFPB agency, so I am trying to get back my ticket, for {$250.00} which XXXX issued Best Buy Credit Services a return authorization. I should mention that it is very confusing whether Citibank or Best Buy Credit Services is responsible for the card. XXXX says they are.
Consumer complaint received 2020-09-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC (FL)

on XX/XX/XXXX at approximately XXXX XXXX I received a call from a company that would not identify itself. The person informed me the call was being recorded and asked me to confirm myself and address. I asked them to identify themselves and they refused. They again asked me to confirm an address and I informed them I do not confirm information without knowing who was requesting the information. They terminated the call without responding. They called from XXXX At XXXX XXXX also on XX/XX/XXXX I received a second call from XXXX. After answering I was met with silence and I decided to wait for a response. There was no response for 9 minutes and I hung up the phone. 
A ) I find this to be a rude, deceptive and unfair act B ) Under the CARES ACT of XXXX ; On XXXX XXXX, XXXX, President Trump directed the Secretary to continue to suspend loan payments, stop collections,and waive interest on ED-held student loans until XX/XX/XXXX. This collection attempt is a violation of the federal Act.
Consumer complaint received 2020-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I am the cosigner on the student loan.The loan states I can get a co signer release if 48 payments are made " on Time ''. 
My son pays the loan early and has not missed a payment in 60 months. 
They will not release me as cosigner because he pays the payment Early. How bissare is this?
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I pulled copies of my credit reports and requested a reinvestigation per 15 USC 1681i to each of the three credit bureaus ( XXXX, XXXX and TransUnion ) and I made them aware of inaccurate and incomplete information but it still hasn't been resolved up until now. I followed up with a method of verification per 15 USC 1681i and am documenting it here.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (DE)

In accordance with their fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states the consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any purpose.

KIKOFF LENDING LLC XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

Loan Number : XXXX Selene Finance XXXX Attn : Customer Service Research XXXX. XXXX XXXX XXXX, Texas XXXX XXXX : Notice of Error for Outstanding Mortgage Balance for Selene Finance Loan # XXXX Dear Selene Finance Customer Service Research : Selene FinanceXXXX/XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but Selene FinanceXXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. Selene FinanceXXXX has ignored this Notice of Error caused by them since 2015. Because Selene FinanceXXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. Selene FinanceXXXX has caused my credit score to decline from XXXX to now XXXX ( XXXX XXXX  and XXXX ( XXXX ). Selene FinanceXXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ). Selene FinanceXXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. Duplicate tax and insurance payments were made by Selene Finance/XXXX/XXXX  from 2015 to present ( for which they were refunded ). Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). Tax payments refunded to Selene Finance/XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, Selene Finance must correct this error or XXXX XXXX will contact New York State XXXX XXXX XXXX XXXX at XXXX and at XXXX. As required by law, Selene Finance must provide a written respond to this Notice of Error within 30 days. All taxes and insurance has been paid by XXXX XXXX since the loan inception. Selene FinanceXXXX has been refunded for all taxes that it has paid in duplicate since 2015. Selene FinanceXXXX has never made insurance payment for Loan # XXXX. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am contacting you to formally request the blocking and deletion of certain hard inquiries listed below from my credit report, as I am a victim of a recent data breach that has exposed my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), consumers are entitled to protections when identity theft occurs, and I am requesting immediate action to block and delete these unauthorized inquiries. 
Inquiries 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXXnd would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

I bought a XXXX  in XX/XX/XXXX in XXXX XXXX, XXXX. It is XXXX of XXXX units built as new construction. The property tax bill for that first year is a collective tax bill and it was agreed upon closing that the XXXX units would evenly pay for that collective tax bill until XXXX XXXX is able to split the collective property tax account into XXXX individual tax accounts the following year. As of XX/XX/XXXX, my mortgage servicer Home Point Financial Corporation doubled my mortgage payment because it assumed I will be paying the full collective property tax bill. I have tried working with Home Point Financial for over a month and a half on trying to get my payment adjusted so that its accurate but they have made it exceedingly difficult. Home Point Financial Corporation is charging me for my own property taxes and my XXXX neighbors property taxes! The loan servicer kept telling me that they need a property tax bill thats updated. I have stated multiple times that XXXX XXXX does not issue out property tax bills until XXXX each year and that they can not write me a new one any earlier. So in essence, the loan servicer is expecting me to pay from XXXX until XXXX a mortgage payment thats twice what it was before until they get an individual property tax bill.I have furnished my XXXX appraisal letter from the county and even the closing documents related to the property taxes but the company will not accept this and/or is dragging their feet. I have also asked them to contact my county tax collector directly and my title company, but they have refused and have me play as the middleman, where I have easily made over XXXX calls between Home Point Financial and my county tax collector in the last few weeks. This is beyond frustrating and more difficult than it needs to be. I always pay on time and now Im expected to utilize all my funds and emergency funds to make a payment thats bogus- and they know its bogus! I can afford my mortgage payment, but when they are charging me for my neighbors property taxes, that is beyond what I can pay. Im going to be charged late fees and will get a bad mark on my credit report next week on XX/XX/XXXX because home point financial have been slow to respond or take action. Ive been trying to resolve this issue since XXXX XXXX.
Consumer complaint received 2022-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (LA)

I refinanced my XXXX XXXX XXXX  which I financed with PNC  Bank. Around XX/XX/XXXX, I refinanced my vehicle with XXXX XXXX. Without being notified, PNC Bank received the pay out check for my vehicle from XXXX XXXX and cashed the check through their accounts. The check was sent back to an address for XXXX XXXX who could not locate or retrieve the check for over 3 months. During this period of time, neither XXXX XXXX or PNC Bank contacted each other. After my own efforts of due diligence, I learned of late payments that accrued on my PNC Bank account. In addition, XXXX XXXX contacted me after multiple complaints, that the payout check from PNC was returned and sent to a branch that XXXX XXXX was not aware of. XXXX XXXX then took the payout check, cashed it and closed my account with XXXX XXXX who had issued me a lower rate and cheaper car note payment than PNC. After I contacted PNC, they told me to contact their PNC Bank Consumer Credit Bureau Investigation Department to inquire on how to have the late payments removed. Due to these late payments, my credit score has dropped significantly due to a lost check which was sent from PNC to XXXX XXXX. I now have to pay a higher car note with higher intrest rate and my recourse is only to re apply to have my credit ran again with hard inquires.