davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Sometime last week, I'm not positive about dates due to the fact I have zero access to my own account, someone attempted to deposit a counterfeit check in the amount of {$500.00}. The bank returned the check and then closed my account. I have been speaking with them since last Thursday XX/XX/XXXX, about needing my funds immediately, as a single mother of XXXX young children my money is very important to us. I was told by the first person I spoke to that she would put in an expedited claim to release funds to me and that she would have an answer in 24 to 48 hours. I called back the next day and was given 3 separate timelines on when my money would be " sent back to me. '' One gentleman even spoke to a supervisor asking that there be a credit given to allow me to have some sort of funds available to me immediately given I have XXXX young kids who rely on me, the supervisor denied the request. I called back first thing this morning, since they were closed during the weekend, for them to tell me that there has been no expedited claim filed for my account and it will take an additional 3 days to be able to access my money. This is absolutely ridiculous. I'm being treated like a criminal over something I didn't do to a bank I've been banking with since XX/XX/XXXX, 10 years of loyal service to be treated like a criminal and have my money basically stolen from me. I am supposed to be paid this Friday again, and I can't even go open another account at another bank because I have XXXX money to do so.
Consumer complaint received 2023-01-14
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. (TX)

I reviewed my Consumer Reports and noticed that I had late payments and misleading accounts on my report, I was never late and fix some accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts, and update the erroneous accounts also : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX & XXXX XXXX  XXXX
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (FL)

In XX/XX/2019 I had a account with XXXX which included insurance on the ( 2 ) Two cellphone, which were being pay each month in the bill amount, I went XXXX and the cellphone were stolen, on my return I call XXXX and reported the matter then I went to a XXXX  store and was awaiting them contact me and in stead a collection agent AMSHERCOLLECT SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, Telephone number ( XXXX ) XXXX for amount {$4400.00}. I explained my situation to them and informed them about the insurance which was on the account because my phone screen broke before and it cost me {$190.00} so after that experience I added insurance to the plan to cover any damage or if the phone is lost or stolen, only thing they are tell me is that I need to pay this amount and my account condition is DEROGATORY but I am asking about the insurance that was being paid for these purposes and these situations.
Consumer complaint received 2019-09-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Consumer Portfolio Services, Inc. (PA)

We asked to be released from the loan, when we noticed they closed the Account without warning.There also charging the account while its closed at the same time. We found out the vehicle was a rental which wasnt disclosed not only that, its been in several accidents. We tried taking it back after we seen the report on the XXXX which the dealership provided. Heres the problem they asked for money down which was {$4000.00} then we was paying on time every month & in a 10 month range the total of the vehicle never declined nor decreased. At the moment we do not have the vehicle & we are still being charged for the vehicle after they closed the account. All we want is to be released from the loan as soon as possible. I feel like they ripped me off & never did anything about it when I brought it to there attention. I have read they not only did it to me & my wife but theres others the pushes over & made threats too. Consumer portfolio service is the company
Consumer complaint received 2019-09-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In mid XX/XX/2019, I discovered my credit card had been compromised when there were many charges I did not recognize and many duplicate charges I did authorize. I called and disputed these transactions totaling less than $ XXXX with Bank of America. XX/XX/2019, just three business days after filing the disputes, I had many " fraud dispute reversals '' for what I disputed, but more significantly a dispute reversal in the amount of {$6500.00}. I visited my local branch to no avail and called customer service about 10 times trying to find out what this was for and how I could have it removed because clearly it was a clerical error of some kind. Everyone I spoke to at Bank of America said the same thing- " We can not connect you with the team that investigates fraud, they will contact you IF they need to but there is Nothing You can do. You just have to pay it. '' This charge stayed on my card through for two weeks causing loss of sleep and panic attacks. The charge mysteriously fell off and all that remained was the other " fraud dispute reversals '' which still alarmed me but did not surprise me with how Bank of America was handling everything else. Then XX/XX/2019 I received yet Another reversal totaling {$2300.00} which again does not reflect the total amount disputed considering the many other reversals. I have gone to two Bank of America branches and called customer service and fraud on many occasions for everyone to say the same thing : " There is nothing you can do and no one can explain where it came from, you just have to pay it. '' This is absurd!!! These " fraud dispute investigators '' clearly have no interest in researching any of the fraud or they would see it is indeed fraud. They are taking complete advantage of me and probably many other people that have no idea how to handle a situation like this! Even BOA Employees have told me to file this complaint, thank the lord I found CFPB on XXXX!
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

My mortgage of 14 years with Ocwen transferred to PHH mortgage services in XX/XX/2019. Due to hurricane Florence I was in a 6 month forbearance plan. I didn't call Ocwen and ask for the plan, Ocwen called me and made the offer. Before Ocwen shut down there website I printed off 1 year of payment history and printed the last 6 months of confirmation of payments. When PHH mortgage services took over the loan they told me I was delinquent for the XX/XX/2019 payment. I sent PHH proof the XX/XX/2019 payment was made, ( confirmation number and bank statement ) I've sent 5 certified letters with copies of confirmation numbers and bank statements to prove all payments have been made on time and my account has never been delinquent. I've had numerous phone calls to the company and spoken to 6 different people, to no avail. PHH will not correct the error on their end. I know they have taken one of my payments and applied it to XX/XX/2019, which, had already been paid and I've sent them proof of that, which now means 2 payments were made in XX/XX/2019. Now PHH persistently insists I am a month behind regardless of all the confirmation of payments made on time and the bank statements. I think this is a deliberate attempt to try and foreclose on my home due to the equity I have in it.
Consumer complaint received 2019-09-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (TX)

I found XXXX, XXXX pesos bills while cleaning out my garage. I didn't know where to exchange them or their worth and asked several people. I was told to try BBVA. I went to one branch and was told they would exchange the pesos at 19 %, approximately  {$1500.00} US dollars, but only if I had a checking or savings account. I was told by a teller that I had to have a {$25.00} deposit to open an account and the pesos would be exchanged and the funds would be deposited into that account. I left that branch to think about it. After a couple of hours, I went to a different branch closer to my home and was told the exact information from two tellers. I opened a savings account and received a receipt for the pesos with the buyback quoted at XXXX. The next morning, I received a phone call from the bank stating that I wouldn't receive the exchange. I was told that the two tellers at the second branch and the original teller all made a mistake and I could pick up the pesos and I could keep the account I only opened to exchange the pesos open. After I questioned why I was told the pesos could be exchange if I opened an account with a {$25.00} deposit, I was told the account could be closed at no charge or fees. I feel that I was scammed into opening a savings account and mislead. I have a receipt with the quote for the pesos at an approximate amount of {$1500.00}, which is what three different tellers at two different branches told me, and now the bank refuses to exchange them. The receipt does say the rate quotes are subject to change and are only an indication rate. But the rates didn't change. I gave the bank my money to open an account I didn't want and told to pick up the pesos. After arguing with the branch vice president and president, I was told I would be called back the following day. I have been playing phone tag with them since. I feel that this is a serious and important issue and that I'm being ignored and swept under the rug, hoping I'll go away. I would like the account I never wanted closed, my {$25.00} returned, and an explanation for why the bank won't honor a collection receipt for the exchange of the pesos, as promised by the three tellers.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (MD)

On or about XX/XX/2016, I received notification on my credit report through XXXX  XXXX  that Receivables Management from what appears to be XXXX XXXX as the original creditor. However, XXXX XXXX is a urgent care facility and this debt has been PAID IN FULL -- as they will not treat a patient ( my minor daughter ), if there are ANY OUTSTANDING DEBTS on the account. This account was paid when I visited XXXX XXXX again with my daughter. 

Receivables Management Systems did not provide enough information on my credit report for me to VERIFY the debt. For example, there is NO ACCOUNT NUMBER referenced, no " TYPE '' of accou8nt, and I've repeatedly tried to DISPUTE this account with both XXXX and XXXX on numerous occasions. 

So let me ask, if there is NO WAY for a consumer to reference an account number to any payments made, how are ANY accounts being appropriately debited for payments received by consumers? 

Should the CFPB allow Receivables Management Systems to continue to collect debt and falsify credit reports of consumers by making it impossible for consumers to prove their debt with this collection agency has been resolved, paid in full, or even settled? If there is no account numbers reported, this company can literally be accepting payments from consumers all across the USA and never reflecting the payment ( s ) on their accounts.

XXXX   has had this dispute open for SEVERAL MONTHS without resolve. 

Is there a law regarding how long a company has to prove a dispute to be correct or incorrect? I thought this federal law was 30 days??? Why is this company STILL REPORTING I OWE MONEY TO THEM on two out of three credit reporting companies?

And in addition to all of this, when you go to their website http : //rmscollect.com/ and click on PAY ONLINE, the very 1st question is " Account Number '' -- and it's a required field to move forward. This collection has been on my credit report FOR THREE YEARS -- even though I've continuously disputed it -- and it has NEVER REPORTED an account number.
Consumer complaint received 2019-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

This complaint is about PayPal 's ( Headquarters : XXXX XXXX, CA ) unfairly taking side in an online sale dispute case. 

This PayPal case ( CaseID : XXXX ) is about a transaction of one brand-new set cookware priced at {$240.00} on XXXX, we are the seller. The buyer filed a PayPal case of " Item not received '' initially and a second case of " Item not as described '' subsequently. 

We received PayPal 's notices about the cases and forced us to provide information, and we did. We have contacted PayPal several times from XXXX to XX/XX/2019 and asked PayPal to ask the Buyer to provide a little more information on ( 1 ) when did buyer received the item, ( 2 ) who delivered to him and ( 3 ) what's wrong with item. Although some of the PayPal representatives said they would ask the buyer the questions, but we have not received a single answer from PayPal. 

PayPal ruled on the case XX/XX/2019 and decides to refund the buyer based on the argument that the decision was made by the buyer 's financial institute. PayPal refuses to ask the buyer to return the item to us and refuses to provide the contact information of the buyer 's financial institute, so we can contact for the item being returned to us. 

This is a sale transaction on XXXX and financially through PayPal. We have no problem with any buyer 's refund request, but the buyer should return the item for refund, can't have both of the merchandise and the refund. We don't know why PayPal wants to take side in this case, feel unfairly treated by PayPla with all the excuses, left with loss of the item and the transaction fund. 

Thank you for reviewing the complaint.
Consumer complaint received 2019-09-30
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: Experian Information Solutions Inc. (IL)

Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. 

ACCOUNTS XXXX ****XXXX not mine XXXX XXXX ****XXXX not mine XXXX/DEPT ****XXXX  never late XXXX/XXXX ****XXXX not mine PUBLIC FILINGS US BKPT CT XXXX XXXX/XXXX not mine COLLECTIONS ****XXXX {$84000.00} not mine
Consumer complaint received 2019-09-30
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-14
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. (PA)

Involved in my consumer report I notified the credit bureaus due to these inaccurate accounts on my consumer report to be removed, Due to these accounts I was not able to get a rental property because of that accounts on my consumer report that is not accurate, I request for those to be deleted I never received any information in the past due to their in reinvestigation they have not provided completed documentation information stated how did they validate accurate information and no one from any agency did not speak to me myself during the investigation as well. And also due to the data breach, my information has been stolen and sold to God knows who I feel unsafe with these companies. Entrusted my information with I was not notified
Consumer complaint received 2022-10-03
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 (WV)

PayPal flagged my account for selling collectible pocketknives, suspended my account permanently and has attached over {$8000.00} since XX/XX/XXXX. 

PayPal account. ( Ref ID - XXXX ) I previously used PayPal in XXXX and XXXX providing the same product and business model without incidence. XXXX 's sellers weekly use PayPal for thousands upon thousands of the same transactions I did. I've had no disputes over sales and all purchasers received their collectible pocketknives as fast as XXXX priority mail shipped. I have been singled out and unjustly discriminated against. I understand it's even a policy of XXXX and PayPal, that all sellers on XXXX, including sellers of knives, must have PayPal as a payment option.
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: F.H. Cann & Associates, Inc. (MD)

I Have been paying my monthly payment as I have been requested to each month for nine months to get my loan back in good standings and out of default, Fh cann asked me to fax over paper work back in XXXX after I found out my taxes were taken and I could set up payment to be back in good standings and off off the offset list. I was asked to fax over tax forms and pay stubs alone with employer info which I did along with my terms and condition form ( I have fax confirmations and emails. ) Without this form i will not be able to go back to good standing within 9 months, I have been contacted several time throughout the year stating they did not receive the form. But they received all other forms? I have faxed emailed and mail this letter nemours times in hopes that this would be settled. Only to get a call back months later to say they still have not received all the paper work but yet still taking payment from my bank account. I tried reaching out to management which is always busy and cant get on the phone, ask for corporate number with no luck and being told that I need to call the same XXXX number as customer service ( XXXX ) I don't know where My money is being sent at this time all I know is that I am making payment. Tried to reach out to Department of education with hopes of getting somewhere unfortunately I've been told they can not help me at this point until Im in good standing.Which I should be at this point but I feel im getting no where with this company. I need help Because as a single mother I cant afford to make these payments not knowing where they are going and to have my taxes intercepted again when in reality Im doing all that I should be doing.
Consumer complaint received 2023-01-14
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. (SC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 XXXX XXXX XXXX