davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

My balance was holded for 180days and I received an email for withdraw my money but I cant transfer my balance. Im having problems with adding my card to PayPal. I contacted my bank and they said there is no problem with my bank. I need help with adding my bank account to PayPal. Please let me know which problem that my PayPal account is having and how can I fix or update and verify all of that information so that I can withdraw my money. Thank you
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..please delete this negative item reporting on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX..Because it is ruining my financial reputation
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX/XXXX - partial account numbers XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-22
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) 5XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I filed a dispute with XXXX  against a collection agency by the name of Genesis Credit Management, LLC., that purchased a discharged Chapter XXXX bankruptcy debt from an original creditor by the name of XXXX XXXX XXXX XXXX, back in XX/XX/XXXX, putting it on my credit report on XX/XX/XXXX, which I'm aware is illegal. XXXX updated me and told me the account is going to stay on my file because Genesis Credit quickly responded, lied and told them the account is valid. XXXX hasn't received my bankruptcy schedules in the mail yet, which should prove my complaint. My issue with this matter is that, I called Genesis Credit today XX/XX/XXXX, and they pretended they didn't know the account was included in bankruptcy. Well I checked my XXXX  credit report today, and they've also added Genesis Credit to that report as well. Unlike XXXX showing it as an owing debt, it's listed on my XXXX  report under Chapter XXXX Bankruptcy, so this proves their dishonesty. I've enclosed pictures with this message, of this company on my XXXX  report.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AZ)

When calling my banks customer service On XX/XX/XXXX at XXXX XXXX ( AZ ) to find out why a dispute ( Filed on XX/XX/XXXX XXXX XXXX 41 Min 53 Sec ) had taken more than 90 days. I was told Visa had  not decided on my dispute yet. When I asked to speak to a manager I was put on hold for 25 minutes then I got XXXX she informed me that while on hold Visa had determined the dispute was not in my favor as she quoted a support message that was sent to me while I was on hold. I do not feel this dispute was correctly or fairly decided. The merchant XXXX is only a third party providing a reservation for hotel accommodations, which the Hotel Property XXXX XXXX XXXX near XXXX, refused service to me saying I was not allowed to stay there since XX/XX/XXXX so all reservations for this property should be refunded. 

A credit was received and force debited from my account on " XX/XX/XXXX Credit for XXXX Deposited into Safe-to-Spend {$200.00} '' " XX/XX/XXXX Force Debit Spent from XXXX {$200.00} Unknown '' you can refer to the Support messages telling me that this was a system error and no credit was due. 

Times I called to inquire about the status of my dispute. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX, XXXX XXXX 41 Min 53 Sec. 
XX/XX/XXXX XXXX XXXX 39 Min 23 Sec. 
XX/XX/XXXX XXXX XXXX 18 Min 43 Sec. 
XX/XX/XXXX XXXX XXXX 19 Min 39 Sec. 
XX/XX/XXXX XXXX XXXX 14 Min 0 Sec. 
XX/XX/XXXX XXXX XXXX 36 Min 36 Sec. 

-- -- -- -- -- -- -- T -- -R -- -- A -- -N -- -S -- -A -- -- C -- -T -- -- I -- -- O -- -N -- -S -- -- -- -D -- -I -- -S -- -P -- -U -- T -- -E -- -D -- XXXX XXXX XXXX near XXXX refused my reservation. I did not cancel or change these reservations willingly. I was told I was on the " DO NOT RENT LIST '' and I could not be checked-in. 

XXXX Spent from XXXX  {$72.00} Hotels XX/XX/XXXX XXXX Spent from XXXX {$150.00} Hotels XX/XX/XXXX XXXX Spent from XXXX {$87.00} Hotels XXXX Spent from XXXX {$68.00} Hotels XX/XX/XXXX XXXX Spent from XXXX {$200.00} Hotels
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (AZ)

I have contacted Chase Bank in regards to the excessive overdraft fees and have received no help whatsoever. It is not fair to me, as a consumer to be assessed so many overdraft fees without having appropriate time allotted to bring my account current. As soon as my account even went negative i was assessed a fee, even though i deposited the funds to bring my account out of a negative standing. I have contacted Chase several times and I the representatives did not remove any of the fees placed on my account. With these excessive fees it has caused my account to go further in the negative. I have been assessed 10 insufficient fund fees within the last week which is {$340.00} that i do not have in order to bring my account current. I can pay the items that were being withdrawn from my account, but not the {$340.00} in total fees.
Consumer complaint received 2022-04-11
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: AXOS FINANCIAL, INC. (DC)

On XX/XX/2021, Axos Invest updated its account services. Due to this update, I no longer had access to my XXXX and Personal Investment account. I spoken to nearly a dozen of customer service representatives, including an account manager, but I have not been told why my account has been locked. Axos Invest refuses to give me an updates or to inform when this issue will be resolved. Because of this lock, I am unable to add or withdraw over 80,000 dollars worth of investment funds.
Consumer complaint received 2022-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

Hi I recently applied to the XXXX program after the new laws were made. I previously had a FFLEP loan so I refinanced to a direct loan and completed the new XXXX program. I applied in XXXX and many months later I finally found out by calling them that they had sent me several letters regarding my loan status. The only problem is that nothing was actually mailed to me but the letters had been posted to my new account at Fed Loans which I did not know I had and had no access to. I have sent several emails asking for information as to the status of my XXXX application. Each time it has taken several months for a response. The last correspondence I received from them stated XXXX of the XXXX jobs I submitted ( which cover a 2 year period ) were approved but I was not given any credits for the payments made during that 2 year period. I sent them another email to inquire why I did not receive any credit for those payments this is what they said : " The Department of Education regulations require us to have an end date on all forms. On the XXXX XXXX XXXX XXXX ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ), we use the date your employer signed your form ( if you are still employed ) as the end date. Payments made after this date may qualify for XXXX XXXX XXXX XXXX ( XXXX ) ; however, will not show on your tracker until the next time you recertify your employment. '' ONLY THE PAYMENT AFTER I AM ACCEPTED TO THE PROGRAM WILL BE CREDITED. 

Isn't it the main point to the new law past payment will able to be counted. Why would Fedloan be unaware of this. Any help you can provide would be appreciated. thank you XXXX XXXX
Consumer complaint received 2021-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well
Consumer complaint received 2019-05-22
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. (MO)

I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Dept of ED/XXXX  {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX {$3900.00} 6 ) Dept of ED/XXXX {$3000.00}
Consumer complaint received 2019-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Link USA, LLC (WI)

I took a loan out through cashlink usa. Ran into some financial struggles and wasn't able to pay off the loan. 
I did get sent to pre-legal for this loan. I worked out a payment plan with the attorney 's office - that was about a month ago. 
Today, I received an email from cashlink usa with the following information : First Notice of Default and Right To Cure This email in detail is telling me that I owe Cashlink Usa for the same loan that I am in pre-legal for. 
I feel that this is extremely fraudulent on their behalf. It feels as though they are double dipping on this loan. I reached out to the company who simply stated they sent this email in error. 
How is that possible when my account is now in their legal department under a payment agreement. 
I am beyond mad about this. I took responsibility when they sent me to legal and now they feel it is ok to go ahead and send me an email telling me I owe this to them again? 
Mistake or no mistake. I feel that this is a huge violation and I want a resolution to this. I am already upset about the fact that the {$700.00} loan that I was not able to pay back is now over {$3000.00} to pay back- I get it, this is on me to borrow the funds, but then you turn around and send me an email telling me this? NOOOOOOO! Not ok with this.
Consumer complaint received 2019-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

XXXX repossessed Truck. 
Chrysler Capital began reporting to credit bureaus as a charge off bad debt before they actually repossessed the truck. 
A while later maybe a year they were reporting the account was still open. I've disputed everything that this company has reported to the bureaus and not once have they been corrected or removed from my credit reports. They continue to report false information to these buraeus and I keep getting denied credit and it keeps costing me more and more money.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XX/XX/19 charge for {$29.00} for 2 size 2xl womens flannel shirts thru sears.com.Notified sears MasterCard I never got them.They reversed charge sent a letter received XX/XX/19 the dispute settled & I didn't owe anything.The bill I got XX/XX/19 showed XXXX owing.This month XX/XX/19 I get another letter stating since the merchandise wasn't returned they were charging {$29.00} again & a bill from Sears MasterCard received XX/XX/19 charged {$29.00} again with the date of XX/XX/19 on it.The closing date of statement is XX/XX/19 3 days after 90 days to complete a dispute.
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

I have been looking for a savings account with good rates to put my money for a while, and stumbled upon Citibank accelerated savings account, so I opted to open an account through their mobile app, since I already have a credit card from Citi. 
* On XX/XX/2020 I opened the new account and received a welcome email from Citi to go ahead and deposit funds * On the same day ( XX/XX/2020 ) I deposited {$5000.00} into the savings account * The following day, XX/XX/2020, I logged in to check that the funds were deposited successfully. 
* To my surprise, my account has been frozen * after several calls to customer service, I realized that the account was frozen due to fraud alert * after calling the fraud department, I understood that they had an alert for fraud activity in the account so they froze it. 
* They say that I need to go to a Citi branch and verify my identity * here is the problem : I live in Washington state. There is no Citi branch in Washington state. The nearest branch is in California, a couple of hours flight from my location. Citi has no solution for me, especially in the current situation with covid-19. They are holding my {$5000.00} with no way for me to retrieve them until I authenticate my identity in their out-of-my-state branch. So bad!
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (GA)

XXXX XXXX XXXX charge mw for months of rent after my lease was up upon contacting the office they said their corporate office handle this and it was a automotive portal that charged me and it was nothing XXXX XXXX can do about it that I would have to contact their corporate office. I did and nothing happened so this was sent to a collection agent. this is a fraudent charge.
Consumer complaint received 2020-06-26
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)

Today, XX/XX/2020 my Equifax score drop 50 points from XXXX to XXXX and the only change from last month was that a hard inquiry dropped off my report. I called Equifax and discussed my concern, the representative could not provide any reasoning as to why this happened. He stated is all part of their calculations and algorithm. This is mind boggling and very frustrating, I cant even get specific answers as why my score dropped significantly. A inquiry falling off your report is a beneficial thing. Please help me, Im trying to buy a house and this unfair, and Equifax can not provide me any details and say its not disputable cause its their algorithm. I feel so helpless after working so hard to get my score up to obtain a mortgage loan, and to have this happen, I feel depleted and hurt.
Consumer complaint received 2019-05-22
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. (MO)

Inaccurate, unknown, and unauthorized accounts is constantly being mis reported on my credit file. I have requested the Method of Verification from the 3 CRA on numerous occasions to no prevail. My next step will be to file suit against XXXX, XXXX, and Experian for not honoring my demand for a Method of Verification or to block these unauthorized accounts inwhich held me victim to their reportings inwhich caused me more distress inwhich I could write about. These 3 major CRA all has recently responded to previous requests stating " accounts verified ", but never once provided me with physical documentation of this so called Verification. I'm demanding to know how and who verified this because as a general rule of thumb electronic Verification can not be accepted as proof of anything. Also as stated within the FCRA laws inwhich is backed by the FTC, if these 3 CRA can not produced the above request then these following accounts shall be blocked and removed from my credit files immediately. 

Accounts 1 ] XXXX XXXX XXXX {$680.00} 2 ] XXXX XXXX XXXX {$350.00} 3 ] XXXX XXXX XXXX  {$140.00} 4 ] XXXX XXXX XXXX 5 ] US Dept of Education {$3800.00} 6 ] XXXX XXXX XXXX 7 ] XXXX XXXX {$130.00} 8 ] XXXX XXXX {$72.00} 9 ] XXXX XXXX XXXX {$71.00} 10 ] XXXX XXXX 11 ] XXXX XXXXXXXX {$30.00}