davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XXXX XXXX Our computer systems got hacked by scammers, They have scammed about XXXX by refunding money to the gift cards or cash cards. We are a business and we use bank of america as our credit card merchant provider. We have contacted bank of america and initially they have found the problem and reversed all those fradulant transaction. But after a month those scammers filled for the charge backs for all of those fradulant transaction and for some reason the charge back case went to the fradulant card holder favour which are scammers. The fradulantley charged cards got refunds of about XXXX from our bank account which is insane. 

I have been on the phone call with bank of america merchant services all day monday to friday since the fraud happened. Never received satisfactory answer. While the charge back case went to the fradulant card holders I have asked them how is that possible but they kept saying they are going to investigate and give us a call which we never received. 

The merchant service said that if the funding does not come to your account they we will issue XXXX time courtsey credit but they never did and I have all these phone call recordings as well as the email conversation with XXXX of the bank of america merchant services employee. We have submitted all the proper documentation to them but they says once XXXX gives refund to a card holder there is nothing they can do about it even after they know that this is fraud.
Consumer complaint received 2023-02-23
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: U.S. BANCORP (GA)

Inquiry on my XXXX Report between XXXX. I received an alert from XXXX XXXX about this inquiry. The inquiry was made by US BANKXXXX XXXX XXXX I am having difficulty reaching someone at the company. I have been on hold an hour, and bounced between calls, and placed on long holds. I have placed an freeze and fraud alert on my XXXX account.
Consumer complaint received 2024-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I contacted Bank of America 's customer service center on XX/XX/XXXX and spoke with XXXX to inquire about the sudden and significant increase in my monthly payment, which went from {$91.00} to a late balance of {$300.00}. He requested an immediate payment. 

I informed him that I have kept detailed records of all payments made in person at the local branch, yet these payments have not been reflected on my credit card balance. As a result, my credit score has been negatively impacted by late payments that I have already made in full and on time. 

This situation is causing significant harm to my financial well-being and is deeply concerning. If left unaddressed, it could further damage my credit score and financial standing, potentially affecting my ability to secure future credit or loans. The negative impact of this issue could be detrimental to my financial stability. 

Additionally, I have discovered that my monthly statements seem to have been switched to electronic statements without my consent, further complicating my ability to track my payments and account status effectively.
Consumer complaint received 2022-06-17
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX XX/XX/2021 - XXXX XXXX  XX/XX/2021 NEGATIVE ACCOUNTS : - XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (PA)

As a card member for over 7 years, my account was closed with my knowledge. 

During my many many attempts to get a resolution, the company continued to keep me on hold over 2hrs and talking to 7 different areas, no one could tell me when i was going to get my deposit refunded. 

Keep in mind that they have had my deposits of $ XXXX, gainfully earning interest that I will never get. I can not afford to wait for them to figure this out and Im asking, no, begging someone to help intervene.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

My name is XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX my loan is XXXX with selene finance I'm XXXX payments behind. I applied for loss mitigation I send in proof of income XXXX XXXX a year. Iask for a repayment plan I get letter dates XX/XX/XXXX saying I'm denied for a standard modification reason is I don't have any income and I think they made a mistake here i want to go on a repayment pla to catch up.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I was laid off from my job as a XXXX XXXX on XX/XX/XXXX. I was hit by a car on XX/XX/XXXX and then my father died XX/XX/XXXX. I had to take care of my fathers service and funeral and I was not eligible for XXXX  or the XXXX XXXX XXXXXXXX offered at my office. I finally received a long awaited XXXX XXXX life insurance check and I deposited immediately to my Truist account and the put a 10 day hold on it. I was told by their check fraud department that if I went to my branch that the branch manager could remove the hold at their discretion when I went to the branch located at XXXX XXXX XXXX XXXX XXXX NC XXXX. The branch manager XXXX XXXX refused to release the funds to my account at her desecration. I told her my situation and the volatility with my XXXX XXXX XXXX  and how they have been doing national lay offs for the last year and a half and that this has happened to my twice in a year and that is why my account has been a mess. I am living in a XXXX and now I will be XXXX  because this woman has decided she will personally not release these funds to me.
Consumer complaint received 2020-09-09
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: CREDIT ACCEPTANCE CORPORATION (PA)

There were a couple of disputes over false reporting from Credit Acceptance Corporation and after an investigation, the information was verified as accurate. However, after carefully reviewing all 3 bureaus the information was not only inaccurate but also inconsistent. The account was written off as a bad debt in XXXX and there had been no activity since that time. When the account appeared on my credit report as 120 days delinquent in XX/XX/XXXX I was baffled, because this was a charged off account, so therefore it shouldnt have been reporting a payment history. The reported balance was also incorrect. I settled the account in full in XX/XX/XXXX. Ive included a discrepancy in the reporting from 2 bureaus. How can the information be accurate if its inconsistent?
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. The account information is below. 
Account : XXXX XXXX, Amount {$430.00}, Acct # XXXX Account : XXXX XXXX XXXX, Amount {$2000.00}, Acct XXXX XXXX Inquiry ; XXXX XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (MI)

I have been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2021-10-01
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. (NJ)

This correspondence shall confirm the termination of your ownership due to a cancellation in XX/XX/XXXX for XXXX XXXX XXXX  XXXX ( XXXX ). Account was cancelled due to loan default. While I no longer have an obligation to this company... XXXX XXXX XXXX XXXX is continually reporting month after month that this debt is still unpaid and my credit rating is below negative. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX Fax XXXX. 

I need to put a STOP to this negative reporting as I can not get any credit approved from other financial organizations.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XX/XX/2019, I requested a loan modification with SPS ( Select Portfolio Servicing ) due to my income being slashed over {$40000.00}. per year due to an employee restructure.

I submitted my YTD pay stubs and a letter from my employer indicating my new pay rate was changed to {$80000.00} per year an that I went from being a XXXX to an XXXX XXXX with no possibility of over-time. 

At the beginning of the year the company I work for overpaid me and the amount was reversed but the result was my YTD reflects an incorrect inflated amount. Due to book keeping reasons the YTD was not reversed even though the money was and the payroll manager send a letter of explanation. 

On XX/XX/2019 SPS denied a modification based on the incorrect income. SPS calculated my income at XXXX per month but I get paid 26 payments of {$3000.00}. for a total of XXXX per month. On XX/XX/2019 the day I received a denial, I sent in an appeal letter with supporting documentation proving the amount calculated by SPS was incorrect. On XX/XX/2019 a letter was sent tome I received on XX/XX/2019 again denying a mod or recast and was still basing the denial on the incorrect income calculated by SPS. I called in for an appeal and to ask for the income to be calculated correctly, but the manager XXXX XXXX ID XXXX refused to accept the letter from XXXX 's payroll manager and basically treated me as if I were a liar. I asked for his supervisor to call me but I did not received a call back. I again called and a customer service rep XXXX reviewed, agreed there was an error, she took it to Mr. XXXX but he would not listen. 
SPS refuses to take the letter of explanation or the proof of each paycheck showing the close in the gap created by the incorrect overage.

Letters of explanation are used all the time by others, so I am not being treated equally when clearly I have supporting documentation for the letter. It is an unreasonable request by SPS to ask XXXX to change the YTD as it affects the entire corporation. The payroll manager of XXXX has written several letters trying to explain but SPS will not consider. I believe I am being unfairly denied as the information I provided is in line with what has been used by others for consideration of a modification or recast.

I have proof of every deposit being the same, proof of the reversal in my bank account., proof of my reduced annual salary. I was trying to circumvent late payments but since it took 3 months for SPS to deny my request, now my credit cards are maxed, I have had some late payments making a refinance impossible. 

My PITI on the first is XXXX and the second is {$330.00} = {$2500.00} after taxes my take home is {$3500.00}. This does not leave enough for groceries, utilities and car insurance let alone credit cards and student loans. 

Any assistance would be greatly appreciated.
Consumer complaint received 2020-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MN)

I have no recollection of this debt. They used to be LVNV Funding but I guess they went through bankruptcy, so I don't know if I would still owe a debt. now the company name is Resurgent Capital Services and there is no option to make a payment, no account number listed, and no amount of debt listed that I owe. All that is listed in my email. I would like to get this debt account removed from my credit file asap.
Consumer complaint received 2021-10-01
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. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MA)

Venmo has no real way to have consumer contact them. The phone number is defective as they do not receive phone calls. 

The Chat is a bot that deliberately and willfully prevents real contact with Venmo, allowing it to not have to respond to losses due to their neglect and is an unjust enrichment for Venmo. 

Today I lost over XXXX and I have no way of even contacting Venmo.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am an XXXX XXXX. I was teaching in the XXXX and moving to XXXX. Prior to my move I notified Capital One to let them know I would be moving and would not have access to immediate wifi. I wanted to make sure I would not be locked out of my account because this happened the last time ai was in XXXX. I notified them I would Also not not have phone access. I arrived and I have been locked out of my account since my arrival on XXXX XXXX2021. I have called them weekly beginning on XX/XX/XXXX. Trying to resolve this issue. I had to provide the actual purchase from my credit card statement by XX/XX/XXXX to reimbursed for my luggage fees of {$1300.00}. They will only unlock my account by sending me a phone code. My phone is inactive as Im out of the country. I notified them of this prior to leaving. I tried to have the code sent to my daughter but I was unable to do it because she is not on my account. When this happened four years ago, they sent me a link to unlock my account online. They informed me they only send phone codes. Although I was never notified of this change. Even when I called prior to my departure. I am now reaching out to file a formal complaint and try to resolve this problem. I want my account unlocked and I want Capital One to reimburse me the {$1300.00} Fees I was unable to submit for reimbursement from my business.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Im writing to urgently address the serious damage being done to my credit score due to unauthorized and unverified information on my report. These inaccuracies are completely unjust and are having a devastating impact on my financial life, preventing me from accessing credit and opportunities that I should easily qualify for.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

Complaint against : PayPal -I use PayPal to process payments for my business. 
-On XX/XX/2023 I processed a partial refund of {$50.00} to a customer. 
-While processing the refund the PayPal app continuously malfunctioned and relayed a message that my refund had not been processed due to a technical issue and to retry. 
-I retried several times. Eventually I closed out the app and restarted it.

-Once I opened the app I saw that PayPal had actually processed 5 {$50.00} refunds.

-I immediately contacted PayPal to cancel the refunds.

-they instructed me to call my bank and issue a stop payment. 
-I complied and worked with my bank to stop the refunds.

-Becasue PayPal
mistakenly issued 5 refunds I was charged {$96.00} in bank fees. 
-on XX/XX/XXXX PayPal reissued 2 more refunds for {$50.00} each. 
-In total PayPal has cost me {$340.00} for this transaction. 
-On XX/XX/23 I called PayPal again requesting that they refund the amount they have cost me due to their failures. 
-They refused. The only option they have given me is that they will contact my customer and retrieve the money which is incredibly unprofessional for my business and harms my reputation as a business owner.

-PayPal is responsible for the {$340.00} they have cost me.
Consumer complaint received 2023-01-12
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: SYNCHRONY FINANCIAL (WA)

I have 5 hard Inquiries on my account that I am no aware of. 
I tried contacting the merchants with no success. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX syncb/lowe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX