davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been with Bank of America for a long time, and I have always appreciated the good value and service I have received from Bank of America. Back in XXXX of XXXX  I checked my credit report and notice a mistake. I was devastated to see a late payment show up. In immediately called in to BOA and spoke with a representative. I explained to the rep that in XX/XX/2022 I paid my account in full and set up automative payments with an online rep assisting me with the process. The representative ask what server did I use because sometimes their system glitches when using XXXX, I was unaware and ask why wasn't that explained to me when I set it up. The rep said she will make a note on my account and remove the late payment. However 30 days went by and the late payment was never removed from my report. I called back on XX/XX/XXXX and spoke with another rep in which she assured me that my account will be updated. The rep provide me with an reference # XXXX. Again nothing was done. All XXXX credit bureaus still had the late payments. I called back on XX/XX/2022. I spoke with another rep with reference # XXXX. The representative assured me that she will have my account updated immediately. I called all 3 credit bureaus today and they all responded that they have no letter from Bank of America regarding the late payments. I have a perfect record paying on time. This is really an inconvenience, and a violation of my consumer rights.
Consumer complaint received 2020-08-25
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. (SC)

Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-07
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)

Ive disputed XXXX XXXX home mortgage previously and hasnt been properly reviewed by the bureau I havent opened an account with them on XXXX XXXX as stated in my report please remove or show me where and how this information is verified to be correct. This information was verified by XXXX  also XXXX  to not be mine after review but for some reason you continue to report.
Consumer complaint received 2023-08-25
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 (AZ)

To the PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( XXXX ). I firmly believe that this limitation has been imposed due to a misunderstanding or an error, as I have always been diligent in adhering to PayPal 's policies and guidelines. 

I wish to emphasize that I have not, to the best of my knowledge, violated any of PayPal 's terms of service or engaged in any activities that could warrant such a severe action. The sudden restriction has not only inconvenienced me but has also shaken my trust in PayPal, a platform I have relied upon for secure online transactions over the years. 

I kindly request PayPal to re-evaluate my case with utmost diligence. Mistakes can occur, and I believe there might be pertinent information that has not been appropriately considered. I am more than willing to cooperate and provide any additional verification or documentation that might be necessary to resolve this matter. 

Having been a loyal PayPal user, I genuinely hope that my account can be reinstated after a thorough review. The ability to use PayPal is crucial for my online transactions, and this restriction has put me in a difficult situation. 

I kindly ask for a second chance to rectify any misunderstandings and restore my account to its full functionality. Your prompt attention to this matter would be highly appreciated. I am eager to regain access to my PayPal account and continue using your services for secure online transactions. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (KY)

Was contacted by freedom mortgage to complete a streamline refinance. Was assured there would be zero fees associated with the process ( several emails assuring this ). First documents that were sent had incorrect payment amount-and had closing fees tacked onto loan. Emailed representative back and he stated he would reach out to the processor to get fixed. New representative stated there was an issue with CAIVRS and could not complete loan. Called previous representative who did not know why this was being communicated to us as it was incorrect information. Reached out to HUD and was told there was no issue and no alerts were showing. Called representative back and he stated he had not spoken with the processor. Asked if he had called And spoken with loan processor and he said no and that he had emailed. Asked if he could call and he said his supervisor could. Asked to speak to supervisor and was told he was busy. Received another email from Loan processor stating application was incomplete because of the cavir alert.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was scammed for {$3400.00} on XX/XX/2020 from my checking account. I received a text message that day from XXXX saying that someone was buying an XXXX for {$760.00} on my account to call customer service immediately, so I call the number provided # XXXX. I told the customer service guy the situation and we had gotten disconnected. He called me back from # XXXX and said he was going to fix the problem. He had me go to my XXXX and download an app called XXXX XXXX. He was able to take control of my phone and had me go to my XXXX then had me go to my banking app. He assured me these were the steps to take to get my money refunded. He went to my XXXX and ended up sending 4 transactions in a matter of minutes. Three were for {$760.00} and one for {$1200.00} sent to the name XXXX XXXX with the email XXXX. I've used XXXX maybe 4 times and never in huge amounts of money like that. When I realized I was being scammed I immediately hung up on him, uninstalled the app and went on my Bank of America app and froze my debit card. Then I called the fraud dept at Bank of America and told them exactly what happened. I filed a fraud claim and they assured me I'd get my money refunded within 10-45 days. They froze my checking account, I cancelled my debit card and  changed my login info ( username and password ). I opened a new checking account. On XX/XX/XXXX the scammer wrote a check for {$6900.00} to XXXX XXXX XXXX with my name and address and forged my signature. I called the Bank of America fraud dept and notified them of this and they just said since it's from my frozen account he won't be able to get that money. On XX/XX/XXXX the scammer wrote 2 more checks with my name and address on them to the same place XXXX XXXX XXXX for {$2800.00} and {$3100.00}. I called the fraud dept again and filed another claim. They just said he can't cash them since the account is frozen. I've never had checks since I've been a member of BOA and I've never spent any amount of money close to those high amount 's. On XX/XX/XXXX I received an email from BOA saying my claim was denied because my phone device that I use for online banking was used, even though I told them he took control of my phone. I've never scammed before or in a situation like this. I thought this guy was with XXXX customer service and helping me.
Consumer complaint received 2021-02-02
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)

The CFPB Complaint # XXXX stated : It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/XXXX Annual Credit Report number XXXX - Experian XXXX dispute and subsequent communications Experian reported it received and verified all transactions and accounts of XXXX-XXXX XXXX # XXXX. Upon phoning XXXX XX/XX/XXXX ( obstructions totaling 123 minutes ) and speaking with XXXX, XXXX and many others and XX/XX/XXXX Experian Customer Experience Survey Case # XXXX Experian again confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. Experian has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX-XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please immediately provide all documents/records by return email to XXXX. 

On XXXX XXXX, XXXX Experian responded Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX Account XXXX. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. Our reinvestigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 

Experian having been provided the following 1 of many XXXX records as related to XXXX contact from Mr. XXXX XXXX ( please note that Mr. XXXX had no authorization to act in the interest of XXXX XXXX XXXX, not contact from XXXX XXXX : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXXXXXX Good Afternoon : I received a call back from Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTRACTCONTRACT HAS EXPIRED XX/XX/XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*XXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX XXXX XXXX re-confirmed its excitement in being a willing participant in the XXXX fraud.
Consumer complaint received 2021-02-02
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. (TX)

I have been dealing with XXXX with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. 

When contacting XXXX they said again they couldn't talked to me about this account. 
I don't understand how I paid this company XXXX but I can't get any information in regards to then updated my credit report.
Consumer complaint received 2022-07-01
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

Dear Nissan Motors I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates delete account reporting on my credit report within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,
Consumer complaint received 2020-08-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Called EXPERIAN various times to complain about mortgage lender not being able to pull experian scores. Was told there is no block on my account and all the information given was correct. Its very frustrating that Im in limbo with tryna move forward and experian cant figure out whats going on with their score model ...
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Received calls that I had charges on credit cards that I didn't open. Was told by caller that someone else opened credit cards using my information. Said SHE ( foreign accent ) needed to call my banks to report the charges. Gave name of bank. She said she called the bank, but when the call went thru, a foreign accent male was on the line. Couldn't understand him. Told him to call back & I hung up.
Consumer complaint received 2022-07-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

On XX/XX/2022, I reported on my credit monitoring app that my Chrysler Capital Account increased by {$300.00}. On XX/XX/XXXX I called Chrysler Capital and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said Chrysler Capital and I reassured her that it did. I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually 48hrs. Since XX/XX/XXXX, I have not heard back from Chrysler Capital or any subsidies on this matter. I called Chrysler Capital back. I was transferred to XXXX  by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to hit the road because nothing is due. I was able to make the payment on XX/XX/XXXX and this lending note never was ever 30 days behind. Upon discussion with XXXX at XXXX on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX  did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. I am submitting the XXXX Statement and my payments with the balance of this complaint to show that my account was never {$22000.00} with the interest they are claiming. They falsely reported to my credit bureau my balance. And under the fair credit reporting act, they have to be ACCURATE. Based on my balance sheet and statements the balance is not accurate. You can not send someone a statement with one amount and report a different one to the credit agencies. 
I am attaching the credit reporting balance, statement for XXXX and XXXX, and posted payments with my balance. NEVER did it hit {$22000.00}.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

First Citizens Bank was offering a checking bonus of up to {$500.00}. Earn {$500.00} when you open a new XXXX checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days ; Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening ; Open a  new savings account. The bonus should be posted within 120 days of meeting these terms. Detailed terms and conditions is attached here as well. I completed all the conditions on XX/XX/2020. More than 120 days passed, but no bonus was rewarded yet.
Consumer complaint received 2019-09-05
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: SYNCHRONY FINANCIAL (OH)

XX/XX/XXXX I had contacted Synchrony bank to advise them that my Paypal account was a fraudulent account. XX/XX/XXXX I had disputed the account, XX/XX/XXXX I sent in another dispute along to advised them I as incarcerated during the time of this account and transactions were being made. On XX/XX/XXXX they confirmed the account has been resolved in my favor. However, there were money being paid on this account every month for over 3 years. I have requested a payment refund request for at least over {$3000.00} I had sent them letters from the bank acknowledging that it was my account that the money from Paypal was being taken out of my bank account. I had sent them over 80 pages of bank statements showing that PayPal was taking money out of my account on a account that was fraudulently opened. On XX/XX/XXXX they stated give them 2 billing cycles. I called back on XX/XX/XXXX to check on the status if my refund they stated I need to resend bank statements. Did that on XX/XX/XXXX they confirmed they received it and to allow 30-45 days so I called on XX/XX/XXXX they stated they could not use the bank statements I sent in so on XX/XX/XXXX I called and they confirmed they received my documentation and allow 30-45 days. I've called every month and get transferred to several people I even spoke with the fraud department and they stated they were sending a email on XX/XX/XXXX to allow 3-5 days called back on XX/XX/XXXX they stated my account need closed from the fraud department and to call back in 3-5 days I called back on XXXX stated nothing has changed and to call back so on XX/XX/XXXX I called spoke to 2 different departments 1 lady stated she dont see no change and suggested i call recovery department spoke to that department the guy seen my 82 pages of bank statements and stated he's sending the information over to request a refund and to allow another 30-45 days to call back.Here we are today and still no payment refund. I've been dealing with this situation for 8 months for them to process my payment refund request. They have been giving me a run around, wasting my time and energy, This is very stressful considering they state that the payment refund department doesn't have a phone number to call they can only send emails. It didn't take them 8 months to take money from my account but its taking 8 months for them to return my money especially they have the bank statements to showing they were receiving payments.