davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

It is an ongoing problem with PayPal. They keep freezing or making it impossible to send my money I have earned through XXXX. The latest is last month they asked for id and social security card, which I gave, as PayPal said to resolve account, yet one month later, still can't get or send my money. 
PayPal has done this to me at least 3 other times
Consumer complaint received 2019-11-07
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

hello- I had fraudulent activity on my bank accounts. I initially reported it through the XXXX number for my bank. The bank verified the deposit online. I was applying for a loan with a 3rd party. I did a 3 way call with the bank and the third party to verify my account and provide access. Mobile deposits that the bank deemed fraud were deposited to my account without my knowledge. When I noticed the first one I thought it was an ACH, then realized it was a check. I then called the bank and they went over the check stating that the routing and account number on the check were valid, since then those checks were returned to maker stating they were fraud. The bank has been uncooperative in my fraud claim and I have called numberous times over the course of 3 weeks to verify my account status. I was told my balance would be XXXX once they balanced my account, then I was told at a later date that acct was a negative XXXX. The bank has not provided me with any statements to verify what activity was mine and what was not mine. I initially reported the Fraud on XX/XX/XXXX to my bank, still now, they have not cooperated. I also called the police for the checks and there is an investigation. This uncooperation from the bank is impeding on my ability to recover funds from this fraud issue I am dealing with.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I closed my account after only about a year in XXXX XXXX after having my credit limit lowered twice in the past several months ( I was declined for a medical payment I was making when I logged on and found out my credit limit was lowered ). In early XXXX I completed the autopay enrollment process to pay off my balance on this account with continued monthly installments. On XXXX I received a bill with a higher than normal minimum payment and when I logged on I see my pmt is past due. The company did not process my autopay for my XXXX pmt and hit me with a late fee. When I called I was told it would take a billing cycle for the auto pay to kick in and I should have received a disclaimer telling me this. It did not. I have a screen shot of my enrollment due to previous issues with this company 's online account features related to payments and bank accounts associated for payment. So now, for the at least the second time I have been charged fees due the company 's less than adequate online payment system.
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I received a settlement check from my homeowners insurer to settle a homeowners claim on XX/XX/XXXX in the amount of {$45000.00}. The check was made payable to me and my mortgage servicer at the time, XXXX. XXXX was holding the insurance claim funds in escrow pending completion of repairs. On XX/XX/XXXX, before repairs were completed, my mortgage including the insurance claim escrow account were transferred to a new servicer LoanCare LLC. I contacted LoanCare LLC on XX/XX/XXXX and spoke to XXXX XXXX who confirmed that LoanCare LLC received the insurance claim escrow account with a remaining balance of {$35000.00} ( some of the repairs were completed and paid from the escrow account before it was transferred to LoanCare LLC ). XXXX XXXX also advised me that once the mortgage is paid in full, the entire balance in the insurance claim escrow account would be released in the form of a flat disbursement to me. I have now sold the property in question and paid off the mortgage with LoanCare LLC in full on XX/XX/XXXX. I paid for pending repairs to the property with my own funds to avoid delay in closing on the sale of the property. I contacted LoanCare LLC on XX/XX/XXXX to request disbursement of the funds they were holding in the insurance claim escrow account and spoke to XXXX XXXX who informed me that LoanCare LLC WILL NOT disburse the funds in the account to me.
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MN)

Quicken Mortgage The mortgage banker refuses to process a mortgage application. My credit scores are good. I have 30 % equity in the home. 

XXXX XXXX with Quicken Mortgage will not run the application. 

XXXX
Consumer complaint received 2017-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (FL)

My credit report has a medical collection which should have been covered by my XXXX coverage ( for the XXXX of my XXXX ).
The original creditor was XXXX XXXX XXXX.
They sent the bill to : Syndicated Office Sy XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX The collection account was opened on XXXX XXXX, 2012 for {$4000.00}.
I 'd appreciate your help in removing this collection.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (CA)

American Financial Resources is my mortgage servicer. My monthly payments includes an amount paid to escrow for insurance and property taxes. American Financial Resources debits my escrow account for disbursements, such as the property tax bill, but the tax assessor does not actually receive the check payment until 25-30 days after when the disbursement was taken from my account, meaning AFR is floating the payments to their benefit. Most recently they disbursed my tax payment on XX/XX/2016 for a bill that was due on XX/XX/2016. I called AFR customer service and they stated the check had been mailed on XX/XX/2016, yet as of XX/XX/2016 the tax collector has not received it. This is creating a problem for me as I am refinancing with closing the week of XX/XX/2016. The new escrow agent is reporting the taxes as up-paid and requiring me to pay twice, even though I have shown them AFR claims the payment was made. AFR should not be allowed to float the escrow payments as is their practice.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.
Consumer complaint received 2019-11-07
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. (TX)

On XX/XX/2019 I was charged {$430.00} by XXXX XXXX in error.I disputed the erroneous billing charge with CitiCards and on multiple occasions provided the final billing statement which showed I was charged for mileage in error as the statement states unlimited miles are included. In addition to the total due being far less than {$430.00}, I've attached the last submission and copies of documentation provided to Citi showing this. 

Citi however, has refused to correct this billing error despite being informed and provided with the documentation provided by XXXX directly of what the actual amount due and correct charge should have been for. 

On XXXX I received a letter from citi stating Without a valid credit slip they are unable to intervene on my behalf with the merchant or their bank.Yet, Citi has been provided with all the necessary documents needed to dispute this invalid charge, and simply refused to do it.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation (MI)

Back in XX/XX/2019 I had wrote three checks to XXXX and XXXX, I have waited two months after for the telecheck service to attempt present the checks to my bank, they never did cleared my account ive provide the telecheck company everything I got told to give them showing that the check didn't attempt to clear the account. My bank don't have any record of the checks. There are try to get me to pay returned fee. I've try to dispute it they disapprove my dispute.
Consumer complaint received 2017-07-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I obtained XXXX separate student loans from XXXX to XXXX to attend XXXX XXXX XXXX XXXX  XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XX/XX/XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the XXXX XXXX XXXX. In XX/XX/XXXX, I applied for XXXX XX/XX/XXXX XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I  received a discharge letter from XXXX. All XXXX of my loans are being reported XXXX on my credit report by XXXX. XXXX corrected the status of XXXX of these accounts to " current, paid as agreed '' after I disputed a false late pay on my Equifax report during XX/XX/XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining XXXX loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all XXXX of my loans on my credit file with all XXXX bureaus a XXXX time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all XXXX of the loans are listed on my report by the XXXX XXXX XXXX in a paid, written off collection status. These loans reported by the XXXX XXXX XXXX were in good standing up until the point where " inappropriate '' corrections were made. In short, I have XXXX separate loans that are being reported XXXX times with all three bureaus. Each loan is being reported as a derogatory account XXXX, XXXX by XXXX and XXXX  by the XXXX XXXX XXXX. This amounts to XXXX derogatory accounts on EACH of the XXXX bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are XXXX they should be completely stricken from my credit file. I have attached the letter of discharge from XXXX.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2021-10-30
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: FORD MOTOR CREDIT CO. (CO)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Consumer complaint received 2020-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

In early 2019 I had an issue with a sore hip and pinched nerve in my lower back. I had numerous Dr visits, tests etc within the XXXX XXXX XXXX in the XXXX are of Wisconsin. Two days prior to leaving on a vacation, I had a XXXX XXXX in my XXXX and due to the quick scheduling my insurance company had not yet approved the procedure prior to me having it. I paid for the procedure in full on the day of service. A week or so later my insurance company approved the procedure and issued a payment. I never received a refund of the payment I made to them. Subsequently I had some additional Dr visits and XXXX XXXX  appointments. I made copay payments at the time of each service. 

I later received a notice from a collection agency ( Americollect Inc of XXXX WI ) that I owed {$200.00}. I called the billing office at the hospital requesting a complete accounting of charges and payments for 2019 and never was provided them. I made this request 4 separate times each time being promised that the records would be sent. The final time I was told that they can't provide the information because the account was turned over to collections. 

The collection agency has also refused to provide the information I have requested. I don't know what else I can do. I have told them that I will pay it if they can provide a complete accounting as my records indicate that I have overpaid amounts owed and in fact due a refund.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (WA)

Alliance One has been repeated calling my home for the past few months looking to collect a debt for a person called XXXX XXXX XXXX. At first tried, I just selecting the option on the recorded message they leave that says I do n't know this person. That did not work. I then called them and informed them that I do not know that person and do not know how they can contact that person. I was informed they would remove me from that record. Yet just yesterday ( XXXX/XXXX/2016 @ XXXX ), I received yet another call from them. I called yet again this morning ( and recorded it ). I told them once again that I do n't know the person. They told me I would be removed from their calling lists. Though at this point I have very little faith they will actually remove me. 

This is causing my a lot of anxiety. I never know when they 're going to call as they have called from different phone numbers and they call at all times of the day, often waking me up on weekends. I do n't think this is acceptable business practices.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NJ)

I do not receive paper bills. Discover Card tells me I missed a payment but I never received a paper bill. ON DO NOT BANK ONLINE. Yet Discover Card demands that I use its website to make payments. I do NOT know how to use its website. I WANT PAPER BILLS. I never agreed to nor authorized paperless bills! It is not fair for Discover Card to say I missed a payment when I never received a paper bill and do not know how to use the Discover website to see what I owe or do not owe!
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My credit information from XXXX XXXX regarding my account is incorrectly reported. My account is being managed with a Credit Counseling program XXXX XXXX and the agreement with XXXX was for the entire full balance owed. The acceptance letter agreement from them to me states that they would not negatively report my account and they would not charge off my account ( I am uploaded this letter ) The did charge off my account and negatively reported I am submitting a copy of this and the payment record was not accurately reported all payments were made as agreed and {$6900.00} was paid to them to date. 
Proof of these payments are uploaded with this complaint as well as the final statement from XXXX XXXX showing the balance.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

This credit card was my fathers card. He added me as a signor but I never applied for credit to be included on the account. I did not use the card. My father passed away XX/XX/XXXX. Since then they have tried to collect the debt from me and reported it on my credit. I have disputed this with all credit bureaus. After multiple times, Chase agreed to remove the information on my account. However in XX/XX/XXXXthey hit me again on my taxes with a cancellation of debt form 1099-C in the amount much less than what shows on credit report still in XX/XX/XXXX. 
Still to date, this shows as a negative closed unpaid account on my credit. How many times can they impact me negatively through my fathers card? Enough!
Consumer complaint received 2017-07-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DC)

I returned a leased vehicle in XXXX 2017. When I returned the vehicle, I informed the dealer that my address was not current, but he told me not to worry about it.
Today, I was contacted by a debt collector on behalf of Nissan Motor Acceptance Company. Because this was the first I had ever heard of any outstanding balance, I requested verification of the debt. The collector told me that they had sent verification but would not tell me to which address they had sent it. She directed me to NMAC.
I called NMAC and, as predicted, they had mailed the invoice for a {$400.00} lease disposition fee to my old address. Despite having my email and phone number, NMAC did not try to reach me by phone or email and did not recognize that their mail was being returned. Instead, the first contact I received about an alleged debt was from a debt collector. I am unsure if this has impacted my credit report, but I should not suffer harm because of NMAC 's incompetence.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

I filed a dispute with my bank TD bank. They denied my first dispute within 24 hours even with a police report and then i had to open a new claim again about 4 more times with the police report that clearly states my phone was stolen along with my wallet and pin that was in my notes in my phone, updated and supplemental information added to police report that was sent to them. I sent them a copy of the new phone purchase and the fact that I am a victim of theft. The transactions in question are fraud and I want them to do their job and please investigate the transactions throughly. They still have not issued a provisional credit with all the proof I sent them. As stated by TD and Visa that I am not liable for unauthorized /fraudulent activity that occurs on my account. They closed my dispute 4 times already without truly investigating because it was closes within less then 10 days. Here are the new claim numbers and thet only issued temporary credits for one claim when in fact all 3 claims are a result or the same fraud that happened to meXXXX XXXX XXXX XXXX XXXX XXXX - this one has been credited but the other two below have not and needs to be as this is truly unfair. {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My life has been turned upside down because of this and TD bank and I have a family to look after. Please!
Consumer complaint received 2019-04-27
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (AL)

A representative at LexisNexis told me the bankruptcy on my credit report had been removed. I called back again and another representative told me the bankruptcy has not been removed nor was it ever disputed. I have asked for additional information regarding their dispute process and have received nothing. LexisNexis is required by law to verify the accuracy in my record with the courts. The representative at the courts has confirmed I do not have a bankruptcy. The representative at the court also confirmed no one from LexisNexis has contacted them for verification. LexisNexis is not properly researching negative items on my report. If the negative items are not removed from my report, I plan to pursue this matter to the fullest extent of the law.