davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-30
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (GA)

There was a charge back issue that occurred as a result of my former bank XXXX. XXXX did an intense investigation and found err on their part and returned XXXX back to PayPal 's merchants bank to be placed back into the sellers account. I have sent them proof from the bank that the funds has been returned via the visa network on XX/XX/2016 and posted into pay pal 's merchants bank account. However pay pal is refusing to give the seller the money ( XXXX ) that is due to him after the bank explained it was error on their part and sent the money back!
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (CA)

I switched from XXXX to XXXX back in XXXX 2015 and switched XXXX lines I had with XXXX. XXXX agreed and plan was to pay any early termination fees or cell phone fees owed to XXXX just to transfer to their company. After I changed all XXXX lined to XXXX, the rep told me I needed a bill from XXXX showing all XXXX lines remaining balance owed for each phone. I right away took in the XXXX bill which showed the balance for each line. The rep that assisted me that day denied the bill. He said the bill must also show the phone numbers for all the numbers. The bill only shows the last XXXX numbers I believe. XXXX should know I transferred XXXX lines from XXXX and the bill shows XXXX lines, it 's a no brainer! I left and asked XXXX to print me a bill that displayed the phone numbers next to the balance owed per line. XXXX mailed me a bill that was pretty much miring the last bill. This went on for months, back and forth with XXXX and XXXX. XXXX kept rejecting my bill which they would n't process for payment, which meant I could n't pay the balanced owed on my XXXX account. XXXX would n't print the bill in the format XXXX reps were requesting, even though when I would call they would say they would do it but when the bill came in the mail it was not in that format. I was so tired of the calling game to XXXX trying to get the bill the way the XXXX 's rep was requesting, mind you, XXXX never tried once to submit the bill to see if it would get processed and paid. Then XXXX day I get a letter stating I was sent to collections. I was devastated, upset, in shock, etc ... I have XXXX, and instantly it made my XXXX and I got really ill. I was sick in bed for almost a month, till this day my XXXX but I can work. I have so much XXXX that I get XXXX everyday. It 's just not right! I own a home, so for me/us it 's a big deal because if I/we want to refinance, it will have a big impact due to my credit score dropping due to the negative mark given from XXXX. I trusted XXXX blindly to pay XXXX for the balance of my XXXX phones timely, that 's why I switched with no worries! 
I was treated unfairly and wrongfully by XXXX and XXXX. I strongly feel this negative mark should be removed from my credit score because I did n't do anything intentional or wrong. I was doing everything I was supposed to do and did everything XXXX and XXXX instructed me to and timely. How did that lead me into collections? That is just so wrong! Please help me! 

Thank you!
Consumer complaint received 2017-01-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Select Portfolio Servicing ( SPS ) has sent us XXXX letters, XXXX dated XX/XX/XXXX and the other dated XX/XX/XXXX ( both attached ). In the first paragraph of each letter which referenced our mortgage loan account were the following words : " the mortgage servicer on the above referenced account, participates in the XXXX Treasury 's Making XXXX XXXX program ( XXXX ). '' We sent in a HAMP application to Select Portfolio Servicing and received a response that did not even mention that our application was utilizing the form from the Making Home Affordable XXXX Treasury program. When we received the second letter, I called regarding the letters claiming participation in XXXX and was told that these were form letters and that our loan could not be modified. They have repeatedly said that the investor does not participate in XXXX. I would like to know why they are sending us letters of this nature when they know that they will not assist us with a XXXX loan. I for XXXX am extremely angry since I nearly died in the hospital from an attempted suicide on XX/XX/XXXX because SPS verbally granted a HAMP application review and then did not review our application as a HAMP. It seems like a computer can be programmed not to send out a form letter if it is not applicable. I believe that their so called " form letter '' shows their deceptive trade when dealing with our account. 

The pool service agreement XXXX PSA ) does not show any restrictions to XXXX loan modifications. Even if there were such restrictions, which we do not believe even exist, according to the XXXX Handbook XXXX Section XXXX regarding Servicers Participation Agreement ( XXXX ) servicer participants should " use reasonable efforts to remove any prohibitions and obtain waivers or approvals from all necessary parties in order to carry out the requirements of the XXXX? '' Furthermore, under XXXX XXXX of the XXXX the servicer should contact the investor in writing at least once, encouraging the investor to permit modifications. Every time we have applied for a XXXX loan modification and our loan applications were not handled as a XXXX application, we have asked SPS if per Section XXXX, had they made reasonable efforts to gain approval, and per Section XXXX, had they contacted the investor. We have never once received an answer to the above questions.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I went investigation of XXXX XXXX XXXX. It took about 25 day saw XXXX XXXX XXXX XXXX XXXX, XXXX. So I call customers XXXX XXXX, XXXX at XXXX so I went online gave {$50.00} Account Number XXXX and XXXX XXXX/XXXX/XXXX approve 2-3 day. So I go decide to go pay XXXX {$290.00} paid off. So I got a email from Manager XXXX XXXX XXXX/XXXX/XXXX them.and told me thank you its going about 7 day XXXX, Tx XXXX. So I online an I see XXXX {$290.00} and now I owed. I call XXXX XXXX XX/XX/XXXX and customers and he 's at lunch I will call you about I hour and they have n't call me back. I have approve Confirmation # XXXX XXXX/XXXX/XXXX XXXX # XXXX and Conformation # XXXX XXXX/XXXX/XXXX # XXXX XXXX {$290.00}. I paid it off.
Consumer complaint received 2017-01-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Collection agency is reporting false information to the credit reporting agencies. Collection agency says I owe them for a debt. I asked the debt to be verified and proven that I owe this debt to collection agency. Collection agency failed to prove that I owed the debt. Collection agency is violating my rights by reporting false and inaccurate information.
Consumer complaint received 2024-10-19
Product: Credit reporting 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)

I have found several items on my credit reports that are being reported incorrectly and includes information that does not belong to me. I have tried contacting the bureaus and disputing this information several times to no avail and as this information is damaging my financial reputation I am now reaching out for help in this matter as the bureaus employ several different tactics to ensure that you can not reach anyone for help within a reasonable amount of time and because they continue to provide automated responses to complaints instead of verifying information as requested.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN EXPRESS COMPANY (CA)

I am a XXXX year old widow with serious health issues. When I XXXX I had XXXX and went to a XXXX XXXX for several weeks with ultra high co-pays in addition to medication co-pays. Because I could no longer make payments to a debt management company, for distribution to American Express, XXXX XXXX XXXX and XXXX XXXX Master Card I was dropped from the program. 
Now the above companies are demanding payment, but I am currently unable to pay. My only source of income is Social Security. In terms of health care I am a member of a Medicare HMO with high co-pays. My XXXX has been struggling for the past several years and I am now XXXX. The above companies refuse to give me more time to turn these events around. XXXX XXXX is insisting that I make a payment of over {$500.00} by XXXX XXXX. American Express wants the current balance due of {$1500.00} by XX/XX/XXXX. This is impossible! The calls and notices are never ending. No one seems to be concerned about my current state of health even thought I have been a client in good standing for decades. In many ways I do consider this to be a form of " XXXX abuse! '' Keep in mind that the above companies have tacked on considerable late fees and onerous interest rates above XXXX %. Help!!
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Health Services Asset Management, LLC. (AK)

I have requested removal of an item from my credit report. The creditor removed it from my XXXX credit report correctly, but has not and will not remove the same account from my XXXX credit report. I 'm asking that the creditor please remove this deragatory mark from my XXXX report as well. The company is Health Services. This information posted on XXXX is incorrect and should be removed as it was removed accurately from XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request a thorough investigation into an ongoing issue I am experiencing while applying for assistance, as a victim of XXXX XXXX. Each time I attempt to submit my application, I am repeatedly met with the same error, which states that I need to verify my identity. Despite following all necessary procedures, I have been unable to resolve this issue, and no one has been able to provide a clear explanation for why this is happening. 

I demand a proper investigation into why this repeated identity verification error is occurring, and I insist on receiving a clear resolution that ensures my identity is easily and accurately proven. As a victim of a natural disaster, I can not afford delays or errors in the processing of my application for assistance. 

Please address this matter with the urgency it requires, and provide me with a detailed response outlining the steps being taken to resolve this issue.
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (UT)

I received an offer to open a Citibank gold checking account with a promotion code to receive XXXX miles after meeting certain criteria. 
After opening the account I received an email stating that my request to open this checking account had been approved. I inquired to verify and the promotion was confirmed and I initiated opening funds for the account. 
After I thought I had completed the requirements, I chatted ( see attached print out of chat ) to confirm I had done so, at which time I was made aware there was one more requirement I needed to complete. I asked how long I had and was given the date. 
Again, I completed this requirement within the date given to me by the agent over chat ( see attached ) and I chatted again to verify completion. The Agent confirmed " I see that you have successfully met the requirements ''. I asked how long it would take for the bonus to post and he said " in the next statement cycle ''. 
After the statement cycle when the bonus did n't post, I called and confirmed and that I had met all of the requirements of the promotion. The Agent said they would file an investigation. Weeks went by and I did n't hear back so I called again. This Agent said the investigation had been concluded and I had been sent notification ( that I never received ) stating I did n't qualify and there was no promotion attached to the account, which was very confusing and frustrating to me since as you can see from the attached chat conversations that the promotion and my having met the requirements had been verified on several occasions. They asked me some questions and said they would file another investigation. 
I just received another letter ( see attached ) saying that " there was no promotion offered with your account ''. This is a direct contradiction to the information I received from several customer service agents stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. 
If at any time I was not eligible for this program or it was not connected to my account, I should have been advised of this on any of the occasions I inquired specifically about this promotion. This is deceitful and fraudulent on Citi banks part, all the while billing me {$30.00} in monthly fees to maintain this account while they try to deny me this promotion that clearly was the enticement to open this account in the first place.
Consumer complaint received 2017-09-05
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. (NY)

XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$3500.00} Comments - Payment History 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
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY (PA)

I contacted Nordstrom credit to ask for an evaluation of my interest rate. The default rate is 31 % and can be implemented any time a customer falls behind. 
However, I was told that the system would not allow an eval and Nordstrom is unable to do any evals for at least the next few months. I asked if customers lower rate would be retroactive ... I was told they cant even access the tool to determine if a rate adjustment is possible. The agent could not even XXXX me a timeline as to when the system would be working again. 
Why are customers expected to pay extra for months without any way to re-evaluate? If that is the case, Nordstrom should not be allowed to raise interest rates until the entire system is fixed. I was told TD Bank is running the system -- seems strange they can not get things corrected when they are up and running branches and other services every day. 
These default rates are robbery -- but to be forced to continue to pay higher rates with no way to reduce or even be considered..is fraud. If you multiply the extra charges over thousands of customers..it could be substantial profit for the company while being a hardship for people struggling to pay their bills on time and catch up late payments.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL (NJ)

I purchased the order number, XXXX coast {$44.00} from walmart.com on-line using my walmart master card end number XXXX name on the card is XXXX XXXX XXXX, on XX/XX/XXXX, but since one on line site named XXXX was getting from my credit card $ XXXX, even i reporet dispute and froud to the credit card, so I closed the account on my request, but I asked the customer service representative to pay the balance, which is the amount of the oreder mentioned above, he told me to pay it in any walmart store, since he closed the account, on XX/XX/XXXX i payed {$44.00} by the order pay XXXX, by my XXXX XXXX XXXX XXXX XXXX vis card REF # XXXX, I received statment from the credit card to pay a balance for the same order, which i payed already. 
I called XXXX XXXX and XXXX XXXX from walmartonline.com, to update my payment to master card, they gave me on phone master card representative XXXX XXXX or XXXX?, who is asking me to take the responsibility to prove to him even he was contacted by walmart.com, and i told him i can mail to you the reset, or contact walmart to invistegate, but it was useless.there is no co-operation between the XXXX branches at the same company. 
i would appreciate if you can help me to solve this problem and not to have my credit history affected, Iattached is my documents.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in those account 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. 


( CREDITOR NAME ) 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 2017-09-05
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: BARCLAYS BANK DELAWARE (NJ)

I contacted the credit card company on 3 separate occasions regarding a charge on my card for XXXX XXXX which should have been a credit. The company refused to remove the charges or did an investigation. The reps were rude. The last person spoke to was a male claiming to be XXXX. I requested a supervisor. He kept me on hold for 15 mins. After returning to the call informed that no supervisor was available. He could set up a call for a retutn call in the next 42-76 hrs. Totally unaccountable. Violation of my consumer tight
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I noticed an unauthorized transfer of {$300.00} under my Bank of America checking account. I called Bank of America immediately to report this. The transaction was still pending. I asked them if they can cancel this transaction since it is still pending. They told me that I had to file a claim. Fine. So I filed my claim and changed my log in information. Couple days later, to my surprise, I noticed the transaction went through. I called again to ask why. The rep told me there is nothing they can do at that point and I had to just wait. Fine! Couple days later, I received a " friendly '' email saying that my claim had been declined because they determined that the transaction was authorized by me. Their explanation : you said your ex-roommate might have your log in information. " If at any time you give your Online ID or Passcode to someone, personal or business ; that person or entity is authorized, by you, to perform that transaction. '' I never said I gave me ex-roommate my log in information. I said she might have it since my user name and password are similar for many accounts. But the rep wo n't listen. I called back several times to argue with the rep, but she was being impatient and rude. I had been with Bank of America since 2008. I had a checking account where I deposit more than {$50000.00} yearly and a credit card which I used to put more than $ XXXX spending yearly. I would never lie to get {$300.00}. The way they treated a loyal customer makes me mad. Claim reference number:XXXX.
Consumer complaint received 2017-01-13
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

I received a {$200.00} American Express giftcard for XX/XX/XXXX. I used it once and charged {$90.00}. I went to try to use it again and it now has a zero balance. When I looked at the statement online, it says it was used for the balance {$100.00} by XXXX. American Express gave me no answers. I called XXXX and they are the company that makes the machines where the cards are swiped. I have no recourse basically because there seems to be no way to trace where this card was even used!
Consumer complaint received 2017-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account in question in the amount of {$300.00} that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you can not provide adequate documentation showing that I have ever done business with Debt Recovery Solutions with my signature on it than you must remove this negative tradeline from my credit report at once. Debt Recovery Solutions did not follow through with the proper notification before placing this debt on my credit file which is against the law. If this tradeline is not removed Debt Recovery Solutions is subject to have legal action taken against them.