davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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 (NV)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/XXXX, I called Bank of America phone number XXXX XXXX XXXX to ask for a cashier 's check of $ XXXX that was in still my business account the last time I spoke with BOA on XX/XX/XXXX. XXXX at that number told me she was putting that request in. I followed up after 3 days and on XX/XX/XXXX, XXXX said that the check for $ XXXX has already been sent by USPS. There were several calls I made after this where I got a variety of strange answers. Finally, on insisting that I talked to a supervisor to get a clear answer, I got XXXX on the line on XX/XX/XXXX. I had to tell her again what my request was ( meaning nothing was recorded on their system about past communications ). I said to her I wanted a cashier 's check for $ XXXX sent to me. She said she would expedite it. I made a follow-up call and spoke with another supervisor XXXX. I asked him to expedite it and put on the system in case I talk to another person the next time. 

This is the most exciting part.The third supervisor I spoke with was XXXX on XX/XX/XXXX at XXXX XXXX. He told me that the $ XXXX has been sent back to the originating bank XXXX XXXX in XX/XX/XXXX. ( Note : The originating bank for this $ XXXX was not XXXX XXXX I'm 100 % sure. Also, note that the last time I spoke with BOA staff was on XX/XX/XXXX and the $ XXXX was still there according to the staff. ) So I asked XXXX if I could get a statement as proof of where all the $ XXXX went. He vehemently said NO he would not give it to me. I said I wanted to know what was happening in my account for my tax return purposes. He still said NO. 

My question is : Is this bank exempted from being transparent? We expect politicians and public employees to be transparent but not banks? Why can not I get a complete picture of what happened to the funds that were in my business account? I need an authority to assist me in getting this information from BOA.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (NH)

I have an account from a debt collector named Security Credit Services that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX  and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax and XXXX allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted 23 points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow 1 car purchase inquiry turn into 15 individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take 33 points off because of 2 inquires and when they finally came off I got 11 points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.
Consumer complaint received 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

On XX/XX/XXXX I received a billing statement with an incorrect amount due of {$1100.00} that did not reflect a payment of {$5000.00} made on XX/XX/XXXX. 

I spoke with a Nelnet representative on XX/XX/XXXX who admitted a " system error '' and provided two different Nelnet email addresses for me to raise the issue and seek an official explanation. She also submitted an internal complaint. Seven days and four business days later and I have not received a reply. I called today, XX/XX/XXXX, and spoke with a Nelnet manager who verbally confirmed that the billing statement did not reflect my payment of $ XXXX, but he refused to send any written correction or clarification. He stated that he was simply " not able to do so at this moment '' without providing any justification. 

Because the inaccurate billing statement was sent a full three and a half months after payment, I fear that this payment and perhaps others are being misapplied and/or not being retroactively posted to reflect accurate principal and interest calculations.
Consumer complaint received 2019-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC (MD)

Asset Recovery Solutions first reported on my Credit report on XX/XX/XXXX in the amount of {$740.00}. I never received any notice from this company nor was I given the opportunity to dispute or request method of verification prior to this company posting on my credit report. I don't know any further information about this debt. I initially contacted this company in XX/XX/XXXX to request proof that this debt belongs to me but was unsuccessful. I've submitted multiple disputes with the credit bureaus to remove this from my record but the dispute results always came back as " account verified as accurate ''. Under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), I have the right to request the " Method of Verification ''. The credit reporting agency must give you the method of verification information within 15 days of your request. I request " method of verification '' from both the debt collector and Credit bureaus via certified mail and was unsuccessful each time. XX/XX/XXXX, I contacted Asset Recovery again to find some sort of resolution and to request for proof. I was informed that this debt was now sold to another agency, which no contact information was provided. I refuse to pay this company without proof. 

As stated in the FDCPA, Asset Recovery Solutions must send a validation notice within five days of their first contact with you. That initial letter must include a warning known as a Mini Miranda stating : The communication is from a debt collector and that any information obtained may be used to collect the debt. The initial letter must also state you have 30 days to request debt validation, otherwise, they will assume the debt belongs to you. I never received a letter from Asset Recovery Solutions which does not include the Mini Miranda so this means FDCPA has been violated which I will now pursue legal matters. I request proof that this account belongs to me. If this company fails to provide proof, I want them removed off of my credit report as soon as possible.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (CA)

I am writing this complaint to Equifax, around XXXX or XXXX i talked to an Equifax representative and asked what was going on with my account because my home loan officer said there was a freeze on it. She was able to pull my other 2 credit bureaus which were XXXX and XXXX but for some reason Equifax wasnt showing up. The representative from Equifax told me i needed to prove my identity so i sent information requested which was name, dob, SS and cover letter.They later sent me a post card on the mail saying they were unable to locate a credit file. I however have 3-4 credit lines open i have credit with XXXX and XXXX and the only one that doesnt show anything is on Equifax. I have credit cards with First Tech which is my auto loan. I have Capitol One which is my credit card and also XXXX my furniture store. I am not getting any clear answer from Equifax other than to show proof of my identity which i already did. I also talked to my credit lenders to see if they were reporting my credit information to Equifax and they all said yes. XXXX XXXX, XXXX and XXXX XXXX are currently investigating the issue with Equifax. I am purchasing a home in about 2-3 weeks so i need to fix this as soon as possible so my home loan officer is able to pull my 3 credit files. At the bottom i will send an attachment with my credit information.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Missed placed my kohl 's credit card. Called to get a replacement while on the phone I asked for a credit increase from {$500.00} to {$750.00}. The person on the phone check and after they ram my credit they up my limit. I received my new card and increase in the mail. Went to the store to make a purchase of a heating pad for my disability condition. They could not run my card or for that matter even locate my account in their computer. Frustrated I went home. I called kohl 's with no success. I did not receive a letter from them notifying me that the account.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (MO)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-01-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (NJ)

On XX/XX/XXXX, my house was caught in a fire and my insurance company ( XXXX  XXXX  XXXX XXXX XXXX ) came out and assess the damage and agreed to pay for all the repairs. The payment came out under my name ( the owner ) and the bank name XXXX XXXX XXXX XXXX. while the work was in process the bank of XXXX transfer the service to the XXXX XXXX XXXX from there ; the service was transferred to Fay servicing LLC. While the work was in progress, the bank Fay servicing LLC sent out an inspector to supervise the work and it was XXXX percent completed at that time and on XX/XX/XXXX, the bank again sent out another inspector XXXX XXXX at this point the work was XXXX XXXX percent completed. Since the work was completed I was expecting that the remaining balance in the amount of {$11000.00} would have been paid off. After waiting for a long time or getting no response or receive the payment, I made a call to Fay servicing LLC to make a request for the payment to be made. Up until this date they did not respond or show any sign that they were going to pay the balance even though they received the money from my insurance company. Due to the fact that they did not want to talk to me after I called them so many times about the payment, therefore, they leave me no choice except to file a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 at XXXX, I received an email from Chase stating that my phone number on my account had been changed. I immediately called to tell them that I did not authorize this change only to be told that they could not verify my identity. I also logged into my account while on the phone with customer service and found that someone had deposited 2 balance transfer checks on XX/XX/2020, one for {$5000.00} from XXXX 's and the other for {$12000.00} from XXXX in my checking account using my checking account number. Since they would not help me over the phone, I immediately went to a Chase branch near my house. I learned that the deposits were made through a teller at a branch I've never been to. How someone can make a deposit into an account without identification is beyond me! 

The {$5000.00} balance transfer check from XXXX XXXX  cleared on XX/XX/XXXX, even though, according to Chase 's own notes, the check should not have cleared before XX/XX/XXXX. The {$12000.00} balance transfer check from XXXX was flagged as fraudulent and did not clear. 

While meeting with a banker at my local Chase Branch, 3 transactions were made 26 miles away. The first was a withdrawal of {$3000.00} at a Chase ATM, the second for {$1000.00} at a XXXX across the street, and the third was a debit card purchase at a nearby bicycle shop for {$550.00}. 

Since the deposit from XXXX went into my own checking account, XXXX is stating that the check was not fraudulent, even though my signature was clearly forged. On top of that Chase is also denying the fraudulent withdrawal claim stating that since my debit card was used with the PIN, the withdrawals are also legitimate. The debit card transaction was temporarily reversed and an investigation is ongoing for that transaction. 

I have copies of the deposit slips and checks with my forged signature and timelines but no one will listen. The claims are being treated as separate incidents, even though they are clearly linked as part of a larger fraud. I was told that Chase needs a subpoena to review XXXX to prove that it wasn't me but they said I still may have let someone use my card. To add insult to injury, I have been charged {$350.00} in fees from XXXX and fees from Chase and now Chase is closing my account with no explanation given. I now owe XXXX {$5300.00}. 

I've filed a police report but was told by both banks that it won't necessarily help. I have no idea what to do next since and the banks are not being straightforward or helpful.
Consumer complaint received 2021-01-21
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: DHI Mortgage Company (WA)

I was alerted of an inquiry on my credit report which I did not approve. 
I closed a new mortgage loan with DHI Mortgage on XX/XX/XXXX and there is NO reason why they would need to pull my credit again, much less without my permission. 

I spoke with someone at their Loan Servicing Center and was referred back to the corporate office. I have left messages but no call back. 



These lenders have accessed your credit file : XXXXDHI MORTGAGE LTD Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX  XXXX., XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc. (TX)

I recently pulled my credit report from all three credit bureau 's. After reviewing my reports I noticed a collection account listed that I had no knowledge of. The collection company name was listed as Diversified Consultant. The company says there is a bill in the amount of {$1100.00} owed by me. The company also say 's this collection was placed in XXXX of XXXX. After checking my own personal records and files I was not able to find documentation of any contracts, bills, with my name or social etc, supporting this claim. 
I reached out to the company per certified mail on XX/XX/XXXX which they received on XX/XX/XXXX. The company has since removed the collection from only my XXXX  account, but are still reporting it on the XXXX  as well as my XXXX  account. Please assist me in getting this negative inaccurate account removed from credit report.
Consumer complaint received 2023-01-24
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-01-21
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. (MI)

As you know reporting inaccurate information on my report is against the FCRA and if you do not have any written information to where it shows my consent to do this I ask you remove it immediately. 
Us Dept of Ed XXXX {$1200.00} Us Dept of Ed XXXX {$3400.00} Us Dept of Ed XXXX {$4800.00} Us Dept of Ed XXXX {$5300.00} XXXX XXXX {$0.00} As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately i can not gain in my life its really slowing me down.
Consumer complaint received 2021-01-21
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. (DE)

My identity was stolen and I dispute the inquiries over the pass two years and they are still on my report along with new items within the last 6 months. I have done my part reporting to the police and still I have not seen process. 

The inquires are listed below XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AK)

On the XXXX of XXXX, XXXX thru my WellsFargo account, I've transferred money in the amount of XXXX. XXXX ( {$100.00} including the transfer fee ) to my son 's XXXX Account in the XXXX. Unfortunately, the money didn't go thru to his bank account for the reason that his bdo account was already closed due to maintaining balance was not maintained.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (FL)

XXXX. I am XXXX XXXX in XXXX XX/XX/XXXX. I applied for your card. Unfortunately to this day I have not received any answer from you. On XX/XX/XXXX. I applied again. And again I did not receive any answer from you. This is despite the fact that in both requests you sent me. An email we will let you know soon. So kind of deserve your word. Towards the citizens. Therefore, please send me your answer in both cases. Sincerely, XXXX XXXX. XX/XX/XXXX To the address that I used for this complaint.