davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2016 I sent {$2100.00} to a friend. I sent it as a payment so it incurred {$64.00} in fees to my friend for the transaction. Then she got a notice from PayPal stating that she could not get the money for 21 days because of a hold. 
The money I sent was done as an Instant Transfer and the money was immediately taken from my bank account so I was shocked that it needed a 21 day hold? I bank with XXXX XXXX so should not be any problem clearing. At this point, we decided it was faster and easier to just send a check via USPS. She then processed a refund the money to me on XX/XX/2016. 
When I checked my PayPal account on XX/XX/XXXX, it stated the refund is " pending '' deduction from my bank account. However, when I checked my bank account online it was deducted the instant I submitted the transaction to PayPal. 
I still had to pay my friend the money so yesterday I sent another transaction, via Friends and Family option, and the money was again instantly taken from my account. When my friend received the funds, Paypal wanted to put another hold on the funds that I sent, but my friend was able to access 50 % of the money on XX/XX/XXXX and then have the remainder avaiable on Friday, XX/XX/XXXX. 

Today is XX/XX/XXXX, both transactions I initiated through Paypal as Instant Transfer were deducted from my account but I am still waiting on the refund that was processed on XX/XX/XXXX. 
Both transactions were deducted " instantly ''. On XX/XX/XXXX I spoke to a " XXXX '' at Paypal about the " pending '' refund. He told me that he could see the money had been deducted on the XXXX and he would escalate the transaction and I should see the money in my account in 24-48 hours. As, I need the money back from the first transaction. This is {$2100.00}. It is now past 48 hours, I called this afternoon on XX/XX/XXXX, to Paypal, and the person I spoke with kept telling me that the funds had not cleared from my bank account yet, which is a big fat lie! How could they have given my friend 50 % of the funds on XX/XX/XXXX if they in fact did not have the money from my account. This is total scam and I will never use their service, if it can be called that again. I they are holding my {$2100.00} just to hold it. If they want to call them self a payment method they need to step up their game. Next time I will send via XXXX XXXX or snail mail. I need the refund processed on XX/XX/XXXX refunded asap. I hope someone at your office can assist me in getting the cash back. I can provide documentation ( screen prints ) from my checking account that show the funds were " instantly '' transferred. They should be able to " instantly '' put them back. XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-03-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

Crown Asset Management , LLC - XXXX, Georgia XXXX Violated the " Fair Debt Collection Practices Act '', ( 1 ) By purchasing a former Creditor 's Debt, that originated with XXXX XXXX & trying to Collect their " Own Debt ''. ( 2 ) Seeking Interest & Fee 's without a " Contract ''. I had written a letter of dispute to Crown Asset Management & their acting Attorney 's - XXXX - XXXX, Fl. XXXX. But they have chosen to have me appear on a Summons for alleged Debt, without good cause. I signed " No '' written Contract or agreed to any terms or conditions with any Collection Agency, such as Crown Asset Management LLC. I wrote my letter in my dispute. " I conditionally consent upon proof of claim & upon proof of cause. If you can provide a signed Lawful Contract with equal consideration ; Full disclosure & Lawful terms & conditions of the Alleged Debt to " Crown Asset Management , LLC. That I signed a contract or obligated to pay any, or all of the alleged claimed funds Crown Asset Management. I am under " No '' Legal Obigation to any collection Agencies & my written contract was with XXXX XXXX. Neither Parties responded to my Request, because they knew, all too well, they could n't. Now I must defend myself in Court of Law & being the Victim of mischievous & unfair practices by these parties. I am asking for Fair Justice & to investigate this serious Matter & prevent such Activity from occurring in the future with other poor Victims. Respectfully Submitted
Consumer complaint received 2017-02-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

I acquired this loan on XXXX XXXX XXXX XX/XX/XXXX. I am so sorry that I ever agreed to let this company finance my loan. It has been nothing but XXXX and heartache. I have had this loan now for five years of XX/XX/XXXX. 
Over the length of this loan I have made late payments. The reason for this was either being laid off, lost a job and unable to find a new job. I am not currently on XXXX and making much less then I was making. 
Since the loan began I have made 45 payments. In those 45 payment I have made payments in the amount of {$18000.00}. From those monies the company has applied {$14000.00} to interest, {$3000.00} to the principal and {$1300.00} to late fees. So how is it over a five year period they have only applied a little of XXXX dollars to the principal. This clearly is a rip off. 
I received my current statement in the mail yesterday and they are telling me the amount due is {$1800.00}. They have to be at of their XXXX minds. I was behind and received a letter stating that they wanted {$1000.00} to make the loan current and I made that payment on XX/XX/XXXX. Then in XX/XX/XXXX made a payment of {$400.00} They are clearly taking advantage of their customers. On this statement they are saying there is past due amount of {$400.00}, accrued interest in the amount of {$210.00} and Unpaid late fees in the amount of {$1000.00}. 
This is absolutely crazy that these creditor are allowed to take advantage of hard working individuals. So my loan it do to mature on XX/XX/XXXX. How in the world will that ever happen at the rate they are XXXX me?????????
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank Americard VISAs charging me for XXXX flight XXXX from XXXX to XXXX which took place XX/XX/2016 and returned XX/XX/XXXX. The flight was actually paid for through my XXXX card and the flight taken. Originally I attempted to book this flight on-line through a travel site called XXXX. My Visa card was denied twice by XXXX. I called both Bank Americard which said the card was fine and the travel site which said it was not their problem. Because my trip to XXXX was urgent to visit my XXXX sister, I switched to another on line travel site XXXX and booked the flight using my XXXX card. The booking was confirmed on XX/XX/XXXX, I was sent an XXXX and subsequently took the flight. I also called Bank Americard to make sure my VISA was not charged ... I believe right after I received the confirmed booking. Visa indicated my credit card had been charged and they would begin an investigation. 
I received letters from VISA Bank Americard on XX/XX/XXXX assigning me a case number and identifying a Ticket number ... the first time I was aware that a ticket might exist. On XX/XX/XXXX I received another letter from Bank Americard saying they could not resolve the dispute. The letter contained the following statement : " The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. I asked for clarification about what this meant but the customer rep refused to reply. I received still another letter on XX/XX/XXXX repeating this explanation and demanding that I pay for the ticket. At not time did I ever receive a ticket or booking confirmation from either XXXX or XXXX. In my discussions with XXXX the customer service rep indicated they had been paid by XXXX and not Visa and I should take my dispute to the travel site. I have talked to the travel site twice but have not heard anything. They seem to be a shell company owned by a XXXX, apparently standard among on line travel sites. Please note I previously paid for the XXXX flight using my XXXX card and took flight XXXX to XXXX and return. I never ever received a confirmed booking from XXXX for the same flight i originally attempted to charge to my Visa BankAmericard. It therefore seems outrageous that I am expected to pay {$960.00} for a flight for which I never received a confirmed booking or XXXX. Someone in this convoluted affair is disassembling. Bank Americard maintains they paid XXXX, although XXXX stated to me they had only been paid for XXXX ticket with my XXXX. The Travel site XXXX refuses to say if they were the recipient of a Bank Americard payment. I have spent countless hours trying to resolve this problem. I can not. Please help me get the disputed charge of {$960.00} off my Bank Americard Visa. Thank you. XXXX thr after i received a message through a travel site XXXX through which I and
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi administrators, I addressed the financial institutions of Bank of America. Regards were making an attempt to establish credit. I applied for a XXXX Credit Card. Furthermore, now several attempts have been initiated. Please would you be given the time to investigate one more final time. I surely appreciate it. 
Thanks, XXXX
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc. (UT)

I had an account with XXXX XXXX but was mislead from the beginning on what the monthly payments would be. After that I switched my account over to XXXX who was supposed to pay off the transfer fees but never did. I received Collections calls from a company called Valentine and Kebartas regarding the debt. I worked with them for some time making bi weekly pmts of XXXX dollars. I had paid off almost half of the debt and came upon harder financial times. I spoke to a single rep regularly, but one day when i called back I spoke with a rep I had never before spoke with. I made a pmt of XXXX dollars and made him aware that I would only be able to pay monthly and that I would not be able to afford to pay what I was paying before. He told me that was fine and that he would schedule for me to be called in a month. Following that payment and agreement with the rep, I continued to receive up to five collections calls per day. After a week of receiving those calls during work and at all hours, I finally answered and spoke with the rep that I normally worked with. I asked why I was still receiving calls after having made a payment and worked out an arrangement with the other agent. She told me that the payment I made was not enough and that the account had been sent back by the " System '' and that is why I was still getting calls. After having worked with them for so long and even having made a payment as recently as the day before, that amount of calls was definitely harassment. Statements of my account automatically being sent to the system were also false and misleading. I work in collections and am very familiar with the way an auto dialer works and the work that is taken to load them. Arrangements should not have been agreed to if they were supposedly not " sufficient '' to keep them off of the dialer. receiving collections calls the next business day after having made a payment and agreements, is harassment and not fair collections practices. And blaming those tactics on the " system '' is misleading and a downright lie. 

I discussed witht he rep and a supervisor settlement options to avoid legal assistance or escalated complaints, but was not given any real help. I have already paid over half a debt for a service that I practically never used, and canceled because of misleading and deceptive tactics used by a sales rep belonging to the same mother company, XXXX XXXX.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Current Information on TRANSUNION CREDIT report is Incorrect These account are not mind and would these credit report TRANSUNION to provide my with how account are mind. I need proof in writing that TRANSUNION has the right to REPORT this INCORRECT Information. 
XXXX XXXX Other XX/XX/XXXX Closed {$0.00} Account Details Last Reported XXXX Creditor Name XXXX Account Type Telecommunications / Cellular Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$610.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due $ 0 Times XXXX Days Late XXXX Latest Status : Collection/Charge-Off no payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/2017 Creditor Name XXXX XXXX Account Type Secured Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$410.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late XXXX Remarks Payment after charge off/collection Dispute resolved ; customer disagrees Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX XXXX XXXX IA XXXX XXXX _____________________________________________ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency AD XXXX Original Creditor 12 XXXX 69 Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility XXXX XXXX {$0.00} High Balance {$300.00}
Consumer complaint received 2024-08-04
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. (TX)

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. 
XXXX XXXX XXXX with an account number XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX  account # : XXXXXXXX XXXX XXXX XXXX  account # : XXXX, XXXX XXXX account # : XXXXXXXX XXXX XXXX XXXX  account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX & XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX account # : XXXX has violated my rights. 
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.

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.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I was approved for a loan modification on XXXX XXXX, XXXX in the amount of {$1100.00}, to begin XXXX XXXX, XXXX. ( refer to pgs XXXX ). Said payments where paid in certified funds as requested. ( pgs.XXXX ). On XXXX XXXX, XXXX, I received a letter stating THIS IS YOUR SECOND WRITTEN NOTICE, which prompted me to call SPS as to the nature of what the letter was about. I was told that numerous pieces of mail were mailed to the property address for me to accept the terms of the {$1100.00}. I asked that the call be recorded. At no point in time did I ever receive anything via USPS or cert mail. I requested that anything and everything that was sent to me in regards to accepting the terms to please send again and mail to my work address for if it needed to be signed for I would be there Monday -Friday from XXXX. Today being XXXX XXXX, XXXX, I have yet to receive. My trial period was for 3 months and as a homeowner I did as requested and continued to pay my {$1100.00} as agreed. ( pgs XXXX ). XXXX XXXX, XXXX I receive a letter to qualify for loss mitigation ( which over the course of the last four years, I already had to do TWICE just to get approved at the current amount of {$1100.00} ) for a new payment amount of {$1700.00} effective XXXX XXXX, XXXX. I have already been approved for {$1100.00} and should not have to be put through this again. In addition, I was approved based on my income, which has not changed but SPS increased over {$600.00}. This is being set up for me to fail. SPS has already done the numbers and I have provided everything they requested and increase of such will force me to lose my home. ( pgs. XXXX ). XXXX XXXX, XXXX I receive a letter that my loan was referred to the foreclosure department, but they just tried to get me to accept new loan modification terms. ( pg XXXX ). XXXX XXXX, XXXX received another letter from SPS in regards to assistance. ( pageXXXXXXXX ). XXXX XXXX, XXXX I receive my cashiers check back for my XXXX XXXX payment stating that it was short. How can it be short? The new terms where not excepted nor even due until XXXX XXXX, XXXX. On top of that they tell me that {$170000.00} need to be paid or I will go into foreclosure on XXXX XXXX, XXXX but wait they want to increase by loan modification as of XXXX XXXX, XXXX. Not only do SPS timelines NOT add up. I have continued to pay my {$1100.00} and fulfill my obligation as a homeowner only to get railroaded. SPS is no more than bullying me, strong arming me and my son out of our home. My loan modification was approved, I continued to pay and now they are trying to use some loop hole to discredit everything I have worked for. This should be a criminal action. Just last week I read an article in XXXX about mortgage companies pushing homeowners out. What I thought was a done deal is now a nightmare again and I need your help.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAVALRY INVESTMENTS, LLC (MN)

This has been an ongoing issue for the last 10 months. I disputed this with each of the credit reporting agencies 3 times each, sent the company an E-Mail once and even a certified letter. As of today, the result was in compliance with FCRA or pending. 
Cavalry is a debt buyer that has bought my XXXX account. I did own up and knew this was my debt so I paid for it to Cavalry. 
Back last XXXX, XXXX XXXX I noticed that XXXX had aged off my credit report, and that the collection account remained. It is my understanding that collection accounts are deleted at the same time as the original account. I disputed this XXXX XXXX and reported the response back that it meets FCRA Guidelines. I tried to dispute again in XXXX XXXX and received the same response. XXXX XXXX, I am disputing this again and I am awaiting the investigation results. 
In the meantime I E-Mailed Cavalry in XXXX XXXX and received a response. " Cavalry reports account information to the credit reporting agencies consistent with the industry mandated 'Metro 2 Format ' reporting guidelines. Unfortunately, we are unable to honor your request to remove Cavalry 's credit reporting. " I honestly do n't care what software they use, point is there is a problem at their end and just because they use the required software should not mean its OK to make an error. 
I did also sent Calvary a certified letter, pending delivery but feel I will be receiving the same response. 
So I have credit reports going back 10 months showing that XXXX is NOT listed on them. But on those same credit reports I am showing the collector Cavalry is listed, with a note that is is a collection account for XXXX ... but there is no entry what so ever for XXXX. Cavalry is consistently refusing to help me, I even give references to articles on collection accounts being deleted with original accounts but they are not even budging. From everything I read this collection account should not be listed on NONE of my credit reports. They obviously continuing the debt longer then it should be on my reports, because the original entry is at all no longer listed on my credit reports. I gave it more then enough time in case of a simple month or so delay in reporting but 10 months later of reporting a collection on an account that has already aged off my credit report ... that is at least 10 month that I know of. 
I am going on this issue aggressively this time around because it is an issue that can not wait any longer on getting corrected. 
Again, I may be repeating my self, but I have a collection account that still hanging on my credit report where the original creditor has aged off my report. This has been happening for at least the last 10 months and Cavalry refuses to correct this.
Consumer complaint received 2016-05-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AmeriCash Holding LLC (IL)

I got a loan with americash loans in XXXX XXXX illinois for {$1000.00} it was slow at work and I was unable to pay on time so they began to garnish my wages I sent in a written request to cancel the wage assignment. An employee at the store called my employer and proceeded to tell them that I had not made any payments on my account and that I could not by law cancel the wage assignment which is what my employer said to me. They then proceeded to deduct {$1200.00} from my wages until I finally went and filed a chapter XXXX bankruptcy. The bankruptcy was dismissed and now I find out that this company is suing me for {$1600.00} not only is this ridiculous but I later found out that it is not illegal to stop a wage assignment so this company just forcefully took the {$1200.00} they got from me already.