davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

After being a member of Paypal for around 15 years, I received a notice from the company that they have frozen my account since they could not verify my identity. I provided the identify verification documents to the company and they have since not responded. On XX/XX/2020 I received a notice that my account has been restricted and my funds will not be made available for 180 days. My current balance is {$3300.00}. My Paypal email is XXXX I have talked with Paypal customer support and was notified that I violate their Terms and therefore my funds will be frozen for 180 days. I asked which term I violated and was told that they could not share that with me. This is absolutely arbitrary and capricious and doesn't make sense. They have not legal authority to freeze my funds. They do not have a judgment order or any other legal avenues through which they could legitimately freeze my funds for 180 days.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-02-05
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: EQUIFAX, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 




1. USDOE/XXXX  Account Number : XXXX 2.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed items is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AZ)

Fay Servicing of XXXX, Texas sent our BK XXXX Trustee a final Notice of Cure indicated we needed to pay {$8700.00} to complete all of our final payments and bring our monthly mortgage payments up to date. Our records agree with the amount owed except for {$870.00} that was labeled " Outstanding Corporate Balance ''. We immediately paid the {$8700.00} dollars to Fay Servicing two months ago. This amount was applied to our account and recorded on the past two months statements. However, our statements are still indicated that we owe XXXX of dollars more for the past two months even with Post-Petition Notice of Final Cure payments applied,. 

I talked to Fay Servicing 's representative XXXX today and he indicated that the {$870.00} was adjusted off the bill and that Fay Servicing still needed to reconcile the mortgage records. 

I am very concerned that the reconciliation of such critical records has not taken place and our mortgage statement continues to reflect that we owed thousands of dollars two months after complying with the courts Notice of Final Cure payment. 

I am concerned that we are going to receive a delinquent notice or worse yet a notice to start a foreclosure process.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (OK)

On XX/XX/2019 I used my XXXX XXXX XXXX debit card at the bank of Oklahoma outside ATM between the hours of XXXX and XXXX XXXX. The branch address is XXXX XXXX XXXX XXXX XXXX, OK XXXX. 

I attempted to withdraw {$400.00} and there was a {$3.00} service fee since I do my banking at XXXX  XXXX XXXX. After putting in my pin number and typing in how much money I wanted to withdraw the ATM completely turned off. I waited a few minutes and the machine did not come back on. I pulled around to the front of the building and went inside to talk to the teller. She said Oh man ... It turned off again? She assured me that the {$400.00} withdraw would show up as processing on my bank statement for a few days and then it would completely fall off since the money was never dispensed. I withdrew {$100.00} from inside the branch and left. 

About a week later I noticed that the {$400.00} ATM withdrawal that I never received was debited from my account. My husband and I have contacted Bank of Oklahoma several times and have even filed complaints through XXXX XXXX XXXX or assistance with this issue. Bank of Oklahoma says that the money was dispensed. If that is the case, we have been asking that they view the security footage from the ATM because the money was not received by me. My only guess is that the ATM came back on eventually and dispensed the money to someone else. After multiple claims have been opened, we have not reached the proper resolution.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON MY XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

On Date XX/XX/XXXX there was an unauthorized charge on my PNC debit card for {$100.00} made at a gas station in XXXX XXXX about 50-60 minutes from where I live. I have never been to that area in my life. On XX/XX/XXXX, there was another unauthorized charge of {$99.00} on my debit card also at a gas station in the same area as the previous transaction. My debit card was in my possession at all times and I did not lose it or let anyone borrow it. I called the bank on XX/XX/XXXX when I saw the transactions and reported the fraud. The bank never advised me to contact the merchant, as a matter of fact, I asked for the merchant address and they told me they did not have the information and told me to XXXX it, nor did they tell me that it was necessary to file a police report. They temporarily credited my account. I received a letter on XX/XX/XXXX that my claims had been denied with no explanation why and was told that the money would be withdrawn from my account. I called the PNC fraud department and was told that I should've known that I had to call the merchant and file a police report without being told to do so. They were extremely rude and unhelpful. Finally after asking several times how this bank protects my account from fraud, without an answer, my concern was sent to the escalation department. I received a phone call from them the same day along with an email. I called the phone number and left a message to the escalation manager who sent me the email. She never returned my call. I wrote her an email as well and she never replied to the email. I called the XXXX number and waited for another escalation manager to help me and got through to someone and explained what was happening. He stated that my claims were denied because other charges on my account hadn't been reported. I told him that the other charges were valid and I made them and they had nothing to do with the two fraudulent charges I didn't make. This makes no sense. 
He said he was going to submit the claims again for another investigation so that I can have my money returned to me. This was on XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating that my claims were denied. I don't understand how a proper investigation was done in two days. I also called the police and filed a police report on Friday XX/XX/XXXX reporting this fraud. I called the escalation department and advised them that I filed a police report and to call me back so I can give them the report number. No one called me back. I'd also like to add that I've had a mortgage with PNC since XXXX as well as a bank account. I've had nothing but terrible customer service and feel very unsafe in keeping this bank account open.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

VALIDATION AND CEASE AND DESIST Dear Sr : Re : Name : Address : Account # : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

Our grandmother passed away in XXXX, and my husband rented a mini ban to transport our family members to the funeral, then an XXXX  truck to clear her apartment. He opted out the collision waiver, since it was included in our Citi Double Cash Card, per its brochure in XX/XX/XXXX and a benefits update e-mail in XX/XX/XXXX. 

Both rentals were vandalized and damaged, and XXXX and XXXX charged us for the damage. I called the benefits department on XX/XX/XXXX, and was told they removed the collision waiver on XX/XX/XXXX. We were never notified about the change, so I asked to speak to her supervisor, but after the representative put me on hold for twice, I was told the supervisor was not there. 

I called customer service twice to file a complaint, but nobody contacted me. I sent a letter to them on XX/XX/XXXX, asking them to reverse these charges from rental companies, but never heard from them.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OR)

I, XXXX XXXX, opened a savings account with Citibank. I was supposed to receive a {$400.00} bonus for opening the account and meeting certain terms ( XXXX in new money within 30 days and held for 60 days ). I was also supposed to receive a {$100.00} bonus for two direct deposits in consecutive months to my checking account within 60 days. I met all the requirements and did not receive the bonus within 90 days as stated in their terms. I have attached a screenshot of the terms that I took when I opened the account, just in case Citi decided not to honor the promotion.
Consumer complaint received 2020-02-04
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. (GA)

I have a problem with XXXX. I was recently denied a HELOC loan based on my XXXX   score. My score dropped by 54 points on XX/XX/2019, although there was no negative information reported on my file during this time. The XXXX  representative ( XXXX ) could not explain the drop to me, except to say that it was automatically done by their computer. These credit bureaus are a racket. It is difficult to get an agent on the phone who speaks clear English, after their persistent attempts to sell you a monitoring product. Ive worked hard to improve my credit score. In the case of XXXX, they have put a 54 point drop on my score, but cant explain it to me. This should not be allowed to happen. I want an explanation, as well as a restoration of my 54 points, at least.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

I had all of these 3 accounts set up for auto bill pay, ( amount owed XXXX credit limit XXXX ) ( amount owed XXXX credit limit XXXX ) ( amount owed XXXX credit limit XXXX ) which if you see my pay records I am always on time with my payments. At the time I lived in a different house and I ended up moving. There was an issue with auto pay which I was unaware of due to me moving, so I never got notified till it was too late. The accounts had got late payments and gone into collections. I called sometime in XX/XX/2020 to negotiate with the collector ELAN Financial Services to get those items paid and removed but refused to assist with the issue. Due to these collections and late payments reporting I am unable to get approved for any type of credit or even get a mortgage. Causing plenty of financial distress.
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX and XX/XX/XXXX, my company utilized Chase 's POS machine for transactions. After I settled batches for those two days on my terminal, XXXX XXXX  on XX/XX/XXXX and XXXX on XX/XX/XXXX, I called Chase to confirm these two settlements. After several days, I realized that my business bank account did not receive those amounts at all. Then, I immediately called Chase to ask about the situation. The first operator told me that the risk department was currently reviewing those two settlements, and they will release them as soon as possible. However, I waited for two days more, but I still received nothing. I called Chase again, then, they finally told me that they sent over verification documents to my email and I needed to provide evidence to authenticate those sales. 

I attached evidence ( Invoices and contracts for required transactions ) to the email and replied to them. I called again to confirm that if they need more information or documents. The operator told me to wait for 24 hours, and they would get back to me with a resolution. The next day, I called again because I did not receive the resolution from Chase. Then, they told me that they need customers ' address to proceed with the verification process. I then quickly contacted my clients and provided their addresses to Chase on Friday night. I waited until Monday afternoon to call Chase again, and they again told me their analyst was off on Monday. They asked me to wait for another 24 hours. Today, the XXXX of XXXX, I called again they promised me they would send over a resolution to my email by the end of the day. Now, I still received neither my two settlements nor the resolution. This is unacceptable because Chase Risk Department should not be so ineffective.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2020-02-04
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 — Problem with personal statement of dispute
Company: Arcadia Holdings, LLC (NY)

On XX/XX/2020 around XXXX. I received a phone call from XXXX. The lady on the phone asked me for my personal info e.g. Date of birth. I told her with so much phone scam going on, i dont feel comfortable giving out my date of birth and other personal info. I also informed her that the {$100.00} balance was already paid by check on way to them. She told me that " now you are not going to have a good day ''. I feel this is a threat towards me and she is trying to give me a bad credit report because i dont want to give out my personal info over the phone. 
this behavior is very upsetting and she doesnt care i told her that the payment is already made, instead of asking me the payment details, she instead took the route to threat me. 
I want to report this behavior.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

Ive repeatedly disputed a chapter XXXX bankruptcy case with Equifax because they are reporting information that has not been verified and is being wrongfully reported as this case does not belong to me. It belongs to an ex spouse. I would like this Ch. XXXX bankruptcy to be removed from reports immediately since they have failed to verify me as the responsible party. The only thing that they have done was update the bankruptcy as closed /dismissed but the responsible party information was never verified and the bankruptcy still remains.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OH)

On XX/XX/XXXX approximately XXXX XXXX  I tried to deposit {$800.00} into my XXXX   checking account XXXX had in the past made such deposits through a US Bank at a other locations. the atm machine had taken the {$800.00} cash deposit when I hit print to get a receipt for the transaction the machine return most of what i had given it, but {$140.00} was missing, it was stuck in the atm, I went to the branch manager explained what had happen, he told me I had to file a Regulation E claim with my bank for an investigation to take place. So I have contacted customer support 3 times as of this writing with no help. To be honest they should have a ob in the banking industry when they know so little about rules and regulations. I'm asking XXXX XXXX  to use this regulation E to reclaim my lost money from the atm machine at that location. Here is the following information including a link to US Bank Regulation E procedure, the machine number is XXXX, this transaction took place about XXXX XXXX  on XX/XX/XXXX as stated earlier form using my card number ending in XXXX. Im asking XXXX XXXX  to do there job in helping me in recovering money that was taken. below is my name address phone number and a link to the US Bank E Code Regulation Im asking for XXXX XXXX  to do recover my lost funds ... thank you have a great day.. 



To whom it may concern : The above is the email I sent XXXX XXXX  My Bank, XXXX XXXX  says they have no record of this incident, U.S. Bank whom the compliant is about since it happened at the branch location they are the owners of the atm machine but it is serviced by a third party company they were the ones who instructed me to have XXXX XXXX  do an e regulation investigation into this missing un returned cash lost in the U.S> Bank atm machine they own. I'am asking for an investigation into my lost money of {$140.00} In U.S. Banks atm machine here is there information : XXXX XXXX XXXX Branch XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX The Atm Machine Indetifier at that location XXXX My home address and ph number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX