davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-22
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc ()

I am a stamp collector with an interest in a wide range of areas, including stamp issues of the former XXXX XXXX ( ie prior to independence ). 
I have an account with the XXXX based Paypal money transfer service to facilitate payments to suppliers, none of whom have any connection with the XXXX of XXXX. 
Due to the unsophisticated nature of PayPal 's transaction monitoring process, I have been threatened with closure of my account, despite providing explanation of my activities. 
It appears that Paypal has set up robot scanning of transaction details, resulting in delay or cancellatiion of any money transfer where the word " XXXX '' occurs. This affects attempted purchase of pre-Republic stamps and also of philatelic reference books which logically include the word XXXX '' in the title. 
Transaction interference by Paypal even extends to incidental mention of " XXXX '' in notes being provided for the purchaser 's information which has most recently occurred to me, in connection with attempted payment for non-XXXX items!
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am filing this dispute against XXXX for violating [ 15 U.S. Code 1681i ( a ) ( 7 ) ]. I have copied and pasted that statute below. TransUnion has failed to provided me with documentation used to verify the items I disputed in my credit report after I requested that information. 

15 U.S.C.A. 1681i ( a ) ( 7 ) says : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

15 U.S.C.A. 1681i ( a ) ( 6 ) ( B ) as quoted above says : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableBackground Information on my recent dispute with TransUnion : I did dispute items in my credit file with TransUnion and they did provide a timely response letting me know that they " verified '' the disputed items. Upon receiving the letter from them that said the items were verified, I sent another letter to them requesting information on the procedures they used to determine the accuracy and completeness of the information used to verify items I disputed. I have certified mail documentation evidencing that Equifax received that request on XXXX XXXX, 2015. 

TransUnion subsequently sent me a response and a credit file dated XXXX XXXX 2015, # XXXX. I received that on XXXX XXXX, 2015. Not only was that letter received AFTER the 15 day maximum requirement, that that letter did NOT provide me with ANY of the information used to verify the items in my credit file that I disputed as I requested. 

Instead, in that letter, TransUnion stated " Our investigation of the dispute you recently submitted is now complete. '' It appears to me that my request for the documentation used to verify the disputed items was totally disregarded. This obviously is a direct violation of the part of the FCRA that mandates that they must provide documentation used to verify items disputed, if requested by the consumer. 

I have been well within my rights to dispute items on my TransUnion credit report and request documentation used to verify the items disputed. In good faith, I expected TransUnion to respond by providing me with that documentation so I could better understand what is being reported and why in addition to the fact that the FCRA requires them to do so and in a timely manner. That was the last communication that I have received from TransUnion and they have failed to comply with XXXX U.S.C.A. 1681i ( a ) ( 7 ) to this day.. This is completely not fair to me and I am sure the CFPB also expects TransUnion to comply with ALL applicable laws in dealing with my dispute and others.
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (CA)

After receiving a letter from CITI indicating that my credit limit was decreased, I decided to call the XXXX number provided in the letter to discuss the information contained therein. The XXXX time I called, I spoke to representative XXXX. Right off the bat I was given the impression that customer service is n't top priority for their service department as she refused to pronounce my name indicating it was too hard. Shortly thereafter I explained to her the sequence of events that took place and was instructed to hold while servicing notes were being reviewed. Once reviewed, the rep apologized and gave me the option to have my credit limit reinstated, but my cash advance amount to remain at zero. I was told by the rep that this was company policy. I proceeded to explain my anguish with a company policy that penalizes customers for technical issues and requested to speak with a manager/supervisor. I was placed on hold numerous times and waited roughly XXXX minutes before the same rep came back to inform me of how nobody was available to assist me at this time. I refused to leave my call back number and demanded to speak with a supervisor immediately. I tried explaining my discontent with the process at which time I was told that CITI is in fact a big company with a lot going on, insinuating that I should be more patient. At this point I lost all faith with the rep in question and decided to hang up and try back again, hoping to get another rep with a better skill set and stronger ability to perform his/her duties. Unfortunately again I came across the same scenario. At this point I notified the rep that I would be contacting CFPB with the aforementioned information. Here i am.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balanced {$15000.00}
Consumer complaint received 2015-06-09
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (MD)

Ally Auto repeatedly calls me throughout the day. It has not became XXXX a day they are contacting me. I have already told them XXXX the constant phone calls need to stop. They continue to do it. I have threatened them with legal action but they do not listen. At this point I am writing to complain as well as looking to take the legal action further. I already contacted a lawyer about it.
Consumer complaint received 2015-05-07
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (IL)

My house was destroyed by a Tornado in XXXX, Ill on XXXX XXXX, 2015. Everybody involved has been great with the standard exception of Citi Finance. My insurance Company, XXXX XXXX issued me a check to begin the reconstruction of the house and since I still had a Mortgage it was issued in the mortgage company 's name also. Not being familiar with this process and not having any trust in the mortgage co. I wanted to know what the procedure was and why they had to have control of rebuilding my house. Which I still believe is none of their business as long as the property value exceeds the value of the old property. I went to their office in XXXX XXXX, Ill and talked to the Center Manager, XXXX XXXX. He called the office that was to handle the money. The name of the dept is Citi Escrow services Lost Draft Dept. He informed me that they would send me information after receipt of the check in the mail. And that further they would distribute the funds afterwards as needed. Well Now I am told that Contractors have to fill out documents and then a dispersal will be done at XXXX increments over the span of reconstruction. This is not what was explained to me. They lied just to gain access to the funds and are now telling me that is the procedure period. I have a house I need to demo. It is a hazard and has been sitting there since the XXXX and they could care. This company has a habit of enticing you into any situation they want.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (KY)

I applied for an equity credit line only to be declined because unbeknowns to me the mortgage company had placed a lien equal to 150 % of the loan on the property. I 've contacted the company, CMC Funding ( they use XXXX to service their loans ) regarding releasing the additional 50 %. After several emails and XXXX phone calls assuring me that they would be quickly getting back with me I have heard nothing from them. My request was pretty simple but they seem content ignoring me. If by chance I did sign something in the closing documents that allowed then to increase the lien on the proerty to 150 % of the loan value it was done in a very deceptive manner. None of the previous loans that I have had ever had anything like this and if something this restrictive was added to the loan documents it at a minimum should have to be made crystal clear to the applicant as part of the truth in lending. It appears to me that if I took action using the Kentucky Revised Status that they could consider me in default of the loan, which seems absurd but even my personal bank did n't understand the process and that is why I 've tried to deal with CMC/XXXX regarding this issue in a civil manner but apparently they do n't operate under the concept of real customer care. If I had known I would have either negociated it out of the terms of the loan or found a different mortgage company.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/XXXX and XX/XX/XXXX, I XXXX had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. My identity was stolen. This has been ongoing for XXXX years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in didn't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I
 
 had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. I fought it and explained to capital one, yet the company sued me and has a judgment gaianst me.
Consumer complaint received 2024-08-14
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$9900.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$550.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$410.00} Account Name XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX : Balance : {$9.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (FL)

I would like copies of Insurance premiums and cashed checks from my mortgage company Arvest Bank. As you can see for the year XXXX and XXXX stick out like sour thumb. You have closed case XXXX with out any merit or have given me copies of the Insurance Premium as well as cashed checks this has ROBO SIGN all over it, Also you have falsified and alter XXXX contract. Please see attached as you have removed the SCOPE OF THE WORK as well as the amount ROBO SIGN again. I have copies of originals Contracts from XXXX XXXX with initials in every page as well as a notary stamp with different dates. Also please see attached a copy of a new Authorization form from my new Attorney XXXX XXXX. This is not a duplicate complaint
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (MO)

The debt collection agency, Aargon forwarded a negative report to our XXXX XXXX credit report, WITHOUT any written communication with us, and this has adversely affected our credit rating. 

When we contacted them, they now sent us a letter on XXXX XXXX, 2016 stating that " Information regarding this account may be reported to a credit reporting agency upon the expiration of the time limits indicated in this letter. '' Apparently, that claim was inaccurate, because, through an alert system on XXXX XXXX, we had discovered the negative entry from Aargon on our XXXX XXXX credit report. 

We have provided Aargon Agency, by email and certified priority mail, the necessary documents to prove that we did not owe the debt but have yet to hear or read from them. We provided Aargon Agency with XXXX lease agreement with tenants who lived at our rental property at the time of the debt and who had accounts with the apparent creditor company, XXXX XXXX company. 

We hope you would assist us to correct this error, as the negative report has decreased the credit rating that we jealously built and maintained ( resulting in a drop of about XXXX points! ). The bad report from Aargon Agency will eventually affect our ability to borrow, possibly leading to economic hardship for my family.
Consumer complaint received 2016-03-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY (AR)

I financed a car years ago from Chrysler Credit Motor, the car was repossessed and was sold for more than what I owed on the car. It shows on y credit report loan was paid off. Now years later when I filed my income taxes they are withholding my refund stating it was for payment of the sales tax that was owed on the repossessed car. I do not understand how this is possible because I would not have been able to tag and register the car if the sales tax was not paid or why it has not came up in the past years since the car was repossessed..
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

While on vacation in XXXX my Bank of America credit card was lost/stolen ( out of my possession without my knowledge and used without my permission ). As soon as I realized the card was not in my possession I reported it lost according to expected protocol. A fraudulent XXXX account was set up on the thief 's phone using their own thumb print and my credit card to set up Touch ID while out of my possession due to what I believe are perilously lax verification processes set up by the card issuer. Multiple fraudulent transactions were made using my card ( possibly using magnetic card swipe, or XXXX, I do n't know because Bank of America wont tell me ) I was rapidly reimbursed by the card issuer for all transactions EXCEPT the XXXX transactions made in the XXXX totaling nearly XXXX XXXX dollars. 
My Card issuer has closed the case, stating that I am liable for the charges, which have been transferred to my new card. It is my belief that XXXX have refused to reimburse my card issuer, ( for obvious reasons to protect the infallible image of their new digital pay method ) and consequently Bank of America have refused to reimburse me. Their decision is not based on fact, truth or lack of trust in me, it is simply based on a bottom line, business model of profit above all. I base my belief on the many media articles I have read, published in 2015, reporting exactly this sort of fraud, which is damaging XXXX XXXX, credit card reputations and has seen a spike in credit card fraud from the expected 0.19 % to about 6 %. 
Despite numerous requests, personally and through a Bank of America representative, to open a new investigation and to use my evidence to prove that I was not in the XXXX XXXX at the time of the purchase this case is still closed and unresolved. Evidence in my defense has not be asked for / disregarded by Bank of America. 'Evidence ' offered by Bank of America has been spurious and unrelated to the real facts of the case that relate to DIGITAL fraud. The bank therefore must demonstrate that they understand the processes by which digital fraud can take place and take financial responsibility for such fraud as a result of their negligently weak safeguards which resulted in an enormous breech of security on my credit card account.
Consumer complaint received 2015-09-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We started modification process with Bank of America for XXXX of our mortgages XXXX of XXXX. We simply asked them to review our status and perhaps just lower our monthly payment so we could afford to live in our home. At that time, we were advised the only way that bank considers modification application is if we stop making mortgage payments and fall behind of our payments. We had no to intention of Short sale or foreclosure. My husband 's income dropped from when we bought home to XXXX, we used all the savings to pay for mortgage payments. we had meeting with XXXX of XXXX XXXX and were advised to apply for modification because our house was under water. After many months of application submitting, B of A sold our first mortgage to another XXXX XXXX and we got our modification with in a month and finished one year of our modification and never missed a payment. 
As far our second mortgage, we got denied on XXXX/XXXX/XXXX and transferred from XXXX account manager to another until XXXX/XXXX/XXXX. In the meantime, our no payment status was getting deeper and deeper with Credit report agencies. We started our trial payment and made proper payments on time. We received a letter from B of A on XXXX/XXXX/XXXX that we completed our trial and are approved for modification but to know that not only we are NOT going to have lower payment but have another 13 months added to the life of our loan. So we talked to our XXXX and decided not to accept the offer and started making our normal payments little more to catch up with the delinquency. As we were catching up with our missing payments and our mortgage balance at the time was {$100000.00}, we got a letter XXXX/XXXX/XXXX that thru Department of Justice settlement, our full principle balance was due for a forgiveness in amount of {$100000.00}. After contacting B of A, we were advised that any payments made until this process goes thru will not be refunded to you. After many phone calls and misleading answers finally this process was completed on XXXX/XXXX/XXXX and the lien was released. In the mean time, they were report us to credit Bureau, late payment, missing payments.
Consumer complaint received 2015-05-06
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (TN)

I borrowed {$1500.00}, on a Title Loan from Title Max, XXXX, TN, on XX/XX/XXXX. As of XX/XX/XXXX, I have paid {$2000.00} ( {$570.00} over the {$1500.00} borrowed, - in 9 months ). Yet, the Merchant claims TODAY I still OWE- Balance - {$1000.00}, requesting a total -- SUM of {$3400.00}, -effectively Interest & Fees of -- -- - {$1900.00}, on a {$1500.00} -- 9 month loan ( exceeding appx. 700 % APR ), abusing State & Federal Laws..
Consumer complaint received 2015-09-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NV)

The practice of people that use credit charge " Chargebacks '' MUST stop. It is entirely criminal, as said people are able to call in to their bank and very easily and simply ask them to " Reverse Charges '' against a merchant, EVEN WHEN THE PRODUCT HAS NOT BEEN RETURNED, and AFTER SERVICES WERE PROPERLY RENDERED. XXXX is allowing this type of practice to occur on a constant basis, costing merchants and consumers alike many millions of dollars per year. In this particular case which I am reporting at this time, all the customer had to do was tell them that we " charged them XXXX '', and they got away with it!! We did NOT charge them XXXX. They made XXXX PAYMENTS. XXXX payment was a 50 % down to RESERVE the rental services, and the other was final payment toward the BALANCE OWED. The customer simply told the bank that the XXXX charge was a DUPLICATE, while it in fact, WAS THE FINAL PAYMENT ON THE BALANCE. This is hurting people very badly AND MUST BE STOPPED!!
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

there is XXXX reports that are not mine i was a victim of identity theft. experian did a dispute on the items. and there still on my report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2015-05-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

Portfolio Recovery is still reporting a collections account as opened. This was taken care of in the past as my other credit report shows and the XXXX credit bureau has removed the trade line completely. The balance is zero on the account yet it shows as the account is still open.