davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-25
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (TX)

I ' am a seller on eBay so I use PayPal for payment. I sold a XXXX XXXX XXXX handbag on XXXX/XXXX/16 and invoiced the buyer the same day for {$2500.00}, which included adult signature and insurance. The invoice was paid the same day, as the invoice on the invoice was the receipt, the box with the XXXX card. The buyer signed for the package on XXXX/XXXX/16 and I have proof from USPS of signature. The money is released to me but I never transferred to my bank account just online shopped using my PayPal account. Then the buyer wait until XXXX/XXXX/16 stating that she never received the item, which she did on the XXXX, and signed for it why, would she literally 7 days fraud that 's why. I sent PayPal all my info uploaded my usps documents Then on XXXX/XXXX/16 PayPal decided in my favor so they released the money to my account, the buyer and myself received the email as well. Then XXXX/XXXX/16 the buyer then take 7 more days to change her first claim from not received to oh she received it but now its not what she wanted. The first claim was false and the XXXX claim is false then I supported my timeline of events which is extremely a lie so PayPal decided in the buyers favor on XXXX/XXXX/16 this time due to her giving false documents, which she still have my item and they have a - {$2500.00} on my account if anyone read the time lines and my proof you can see how PayPal XXXX the sellers and make it where we are out of money and this go on our credit report. I filed a complaint with the XXXX, and I got a nasty response of basically XXXX it up - {$2500.00} and move on well I 'm not I also filed with the Texas XXXX as well.
Consumer complaint received 2021-10-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2021. I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-01-10
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. (NC)

There were fraudulent accounts created, once I was aware the accounts were closed. I also stated that these were to be deleted or removed and they remain on my credit profile and they were not authorized at all by me. These accounts were all done in fraud I have sent letters emails and phone calls
Consumer complaint received 2017-02-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AL)

Purchased a XXXX truck from Kia Motors in XXXX, Oklahoma and shortly after that purchase the truck was totaled in an accident. Insurance paid the truck off and Gap Insurance made up all differences. While insurance was being processed and evaluated the truck payments were still being made. All insurance and Gap money was sent to Kia finance to settle loan and pay off truck in total including payment overage. There was an overage of funds as payments continued and were made after the accident of {$2000.00} that should have been refunded to the owner after settlement. Kia Finance in XXXX TX received those funds and posted them on XX/XX/XXXX from XXXX and XX/XX/XXXX from GAP insurance. Multiple calls were made to recover funds and no refund check was issued or cut until XX/XX/XXXX with a promise of 3-5 days in mailing. No refund check for the overage has ever been received as of XX/XX/XXXX. Kia customer service Escalation team suggested that we allow them to cancel the check and reissue and that process would take another 15 days plus 3-5 days in mailing. They added there was no way to expedite that process. They were also asked if they were paying interest on the money they have been withholding since XX/XX/XXXX. They answered no, they do not do that. I am pretty sure if the situation was reversed they would expect interest. To date we have spoken to 38 people in Kia customer service in 17 weeks, no check received, had 4 promise of call back and have received none. It has been 3 weeks since they say they mailed the check and none received and the process has been 18 weeks so far with no satisfaction. Now they want another 15 days to reprocess the check and 3-5 days to get it here in the mail. My confidence lever is zero in their ability to mail a check. These are horrible business practices and extremely horrible service. They got their money back in XX/XX/XXXX along with mine and I want mine back with interest. If they were an honest company they could step outside " normal '' policy and expedite the check with interest and apology..
Consumer complaint received 2016-09-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (IL)

Daily computer phone messages from The Offices of Arnold Scott Harris asking that I call XXXX. No debt is owed, and I have not received any written notice of any debt. I have lived at my current address for more than 13 years, and if I owed a debt, I should have received a written notice of past due payment. How do I make the computer stop calling? Attempts to call the phone number they leave just leads to more computer interactions that go no where.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Andaccording to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Resources
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

Ditech took down access to statements and online account access for 10 days. This is impacting my ability to refinance as I can not get my statements. I agreed to go paperless. What they did not disclose was a way to get access to my statements during the upgrade - I called and they could n't even fax them to me. If companies are to provide online statements they should keep them accessible online and not inaccessible for more than 48 hours. I want to know what the law is and am certain Ditech is not within the law. This disclosure I attached and they posted does n't tell you that consumers ca n't access copies of their mortgage statements for over 10 days.
Consumer complaint received 2015-06-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: E*TRADE BANK (VT)

My wife and I file joint tax returns and refunds are issued to both of our names. Federal refund is deposited electronically to the account I specify in Tax Cut software. State of XXXX issues a check that I usually deposit to my account. We do that over a decade. There was never an issue with that. On XX/XX/XXXX I tried to deposit such check by phone to my account ( at E*Trade Bank ) but it was rejected as unreadable - that seldom but sometimes happens. I called them and they said I have to mail it in. But when they received the check, only then they said they could not deposit it to my account, because it was issued to both me AND my wife. This despite they deposited those checks for 15 years every XXXX without a single complaint, and despite me being their customer for even longer than that, and despite both me and my wife have accounts there linked on-line. They suggested that the check may be deposited to our brokerage account since that account is joint account in both of our names. However, a day had passed and I do not see the check deposited in either my checking account or our joint brokerage account. I got an email with the PDF form referring to the name change without explanation. I understood they want my wife to file the name change - because at that bank she still uses her maiden name, and on this refund check she already has my last name. But she did not change the name at marriage, and that change was therefore not recorded on the marriage certificate. She changed it at naturalization. And besides - I am with the form in XXXX, and she and her signature are in XXXX - maybe sometimes during the summer she will find the time to deal with that name change. But we need that check deposited or cashed yesterday, not sometimes in the future. Now their agent can not locate our physical check - she only sees the image of my rejected mobile phone deposit. Which leads me to believe that they were not completely honest with me when they told me the mobile deposit was rejected for readability. If they spoke up about the XXXX names issue, I might have handled the situation differently. But now they are in possession of our check and they are finding an excuse after an excuse for not depositing it, and finally they lost track of it. This is an outrage. They should be held liable for theft.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have an account with target I pay my bill on time every month but I have noticed for the past few months when I check my available credit it tells me I have a certain amount then 2 days later it 's gone ex paid XXXX bill on the XXXX went to target spent XXXX on the XXXX I only have {$9.00} available credit called them they told me it was interest for XXXX I asked them is n't XXXX interest included in my XXXX payment and he said yes so the why I see it I 'm paying interest twice. I told him if I have {$200.00} credit available at XXXX XXXX and I spend XXXX I still have XXXX left until my next billing cycle I have never heard of this type billing before
Consumer complaint received 2015-07-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (GA)

On XXXX XXXX, 2015 a transaction occurred on my checking account that was completely unauthorized. {$2500.00} was debited from a business that had my card information. I called TD Bank immediately and spent the better part of XXXX hours trying to get through to someone who could put a hold on the transaction, as it was currently " processing ''. I was told by multiple persons, in multiple departments that although every other bank can process a typical " stop payment '' that TD was unable to do so, and I would have to wait until the transaction processed in order to proceed with any kind of reversal. The merchant has no receipt, no invoice, no signature, no verification whatsoever of the transaction, refuses to answer my calls, and TD Bank has refused to do any legitimate investigation and get my money returned, though I provided a full account email to them, faxed verification, and was told within hours of submitting all my information that they were not interested in helping, and that I would have to contact the merchant. The same merchant who will not respond, and this has put me on par with being told the house break-in victim has to contact the burglar.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

In XXXX I opened a CitiGold checking account with CitiBank. I confirmed in XXXX that I had a promotional offer of XXXX XXXX XXXX XXXX miles attached to the account with the following requirements : -Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card . 
-Schedule 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month. 
The AAdvantage bonus miles will be credited within 90 days from the end of the statement period in which you complete all offer requirements. 

However, I contacted Citibank in XXXX after completing the requirements and waiting for the bonus to post. I was informed that my account was not eligible for the bonus, despite the previous confirmation that I was eligible and the bonus was attached to my account. I feel this constitutes a flat out lie by Citibank.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

EXPERIAN REFUSES TO RE-INVESTIGATE RE-AGED ACCTS ( PROOF UPLOADED ) EXPERIAN ALLOWS WITH IMPUNITY A CREDITOR TO RE-AGE ( PROOF ENCLOSED ) ITEM XXXX XXXX XXXX MUST LIST A DATE OF FIRST DELINQUENCY ON A CHARGED OFF XXXX DOFD IS XX/XX/XXXX ; THE DATE OF LAST PYMT IS XX/XX/XXXX. 
7 YEARS WILL EXPIRE FROM DOFD ON XX/XX/XXXX.CREDITOR MUST DELIVER COMPLETE ACCOUNT INFORMATION SO AS TO DETERMINE 7 YEARS AND PREVENT RE-AGING, AN ILLEGAL PRACTICE OF CREDITORS.EXPERIAN HAS A LEGAL DUTY TO NOT COLLUDE WITH CREDITOR IN RE-AGING BY DEMANDING COMPLETE INFO.FROM CREDITOR OR DELETING ACCT.THAT IS THE DUTY OF EXPERIAN ACCORDING TO FCRA. 
XXXX XXXX XXXX XXXX REPORTS ( # XXXX ) AS A COLLECTION IN XXXX XXXX, REPORTS PAID CLOSED IN XX/XX/XXXX.THEIR PREVIOUS REPORT UPLOADED IN CFPB XXXX SHOWS A XX/XX/XXXX PAID IN FULL STATUS.THIS DENOTES RE-AGING. 
THE PROOF IS ON THE FACE OF THE RECORD, EXPERIAN MUST DELETE AS CREDITOR HAS VERIFIED XXXX DIFFERENT DATES THAT BOTH CAN NOT BE TRUE. 
IT IS AMPLE EVIDENCE OF RE-AGING.
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (PA)

I called the Macy 's Credit card department on XXXX/XXXX/2015 because I could n't get online. I 've been a customer for several years and have never had an issue. I spoke to someone named XXXX regarding my balance, applied payments and finance charges. When I asked XXXX for my rate, she said " it 's like 25 % ''. I stated to her that she was not allowed to paraphrase a rate to me, that she had to quote it exactly, and after I asked XXXX times, she still would n't quote it to me exactly. I asked to speak to a supervisor. I was told that my online access would be fixed. I was told over the phone, because after a week and a half I still do n't have access to my account or my statements, that my finance charge had increased over {$10.00} in XXXX statement period ( from {$43.00} to {$54.00} ) with my balance having only changed by {$74.00} dollars. The supervisor waived interest charges for two months, but also refused to quote me the finance charge formula they use to calculate the interest. I 'm incredibly skeptical of Citibank , N.A . XXXX at this point, because their employees are unlawfully refusing to quote exact rates that are being charged on my account, they refuse to provide the formula for interest calculation, and at this point still have n't provided me with access so that I can review my account history and how my payments are being applied. I feel like by limiting my access i 'm falling into predatory lending schemes, and i 'm outright being lied to by the service reps on the phone. I still do n't know how much money i 've lost in payments since i ca n't access my account. All I know is that i 'm not making purchases, and my finance charge is increasing, without my rate increasing and i have no paper trail to prove anything.
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OK)

I closed the XXXX XXXX credit card after someone had changed the personal information ( Address, Login, and Password ) on the account. I paid a balance I had not charged just to get the card closed. XXXX XXXX accepted more charges after the card was closed and have sent it to collection. I have tried working with the collection agency, XXXX XXXX and Experian to no avail. They say that I lived at the Pennsylvania address the charges are attached to. I have never lived in Pennsylvania. You can see by the payment history reported to the credit bureau that everything was perfect to the date I closed the account, XX/XX/XXXX. They still reported the account in good standing for XX/XX/XXXX. Then " No Data '' for XX/XX/XXXX. Then it shows " Charged Off ''. There is no data for XX/XX/XXXX because the account was closed. The charges were incurred after the account was closed and XXXX XXXX, XXXX, and Experian refuse to correct the error and remove this from my credit report. Attached are the Investigation results and correspondence with XXXX.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (CA)

I requested and paid {$420.00} to Flagstar bank to facilitate an appraisal on my property. The appraiser spent 15 minutes at my house and a couple days later submitted an error riddled report that reflected both a failure to perform the due diligence required in an appraisal as well as basic mistakes in measurements and calculations. The most glaring mistake was in the recording of the square footage of my house. The appraiser left out XXXX square feet from my XXXX square foot house. This resulted in choosing less comparable homes as well as undervaluing the comparable homes chosen by {$4500.00} to {$6000.00}. When the square footage was corrected the appraiser refused to change the opinion of value even though XXXX of the XXXX comparable homes used in the basis for his opinion, increased in value from {$4500.00} to {$6000.00}. When correcting the square footage error, Cost Approach method increased by nearly {$16000.00}. In addition to the square footage errors, the appraiser failed to account for the increase in market value from the sale date of comparable homes to the date of my appraisal, in XXXX case a period of eight months. I provided three separate letters detailing the errors and omissions committed, and none of the responses addressed more than one of the issues I addressed in the letters and none addressed the inconsistency in the comparable values and impact to the Opinion of Value. Flagstar bank claims to have its hands tied and has been unwilling to facilitate an accurate and error free appraisal.
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX-XX/XX/XXXX, my Macy 's American Express Card was fraudulently charged XXXX times for almost {$8000.00}, way above my credit limit of {$2700.00}. My card with a chip was in my possession. Inside job, I told them. I called them to complain XXXX XXXX. They told me that they will remove the charges and that I will not be liable ( but, of course! ). XXXX XXXX, XXXX, they sent me a new statement : they closed that particular card, transferred XXXX fraudulent charges to a new card, charged me a late fee and interest charges for XXXX fraudulent charge that they did not transfer. I called again and complained. They said to ignore again, and that it will take 3 months for them to look into the matter. XX/XX/XXXX, they sent me a statement again, Interest charge and late fee accumulating, and I called to complain again and the said to ignore again. They did the same in XX/XX/XXXX, and when I complained again, they said to ignore the statement and that next month, a zero balance will show. I asked them to write me a letter to say this, they said they do not do that but the next statement will show a XXXX. Today I get a statement again, with accumulated interest charges and late fees. I called them again before I write this complain to you, and they said to ignore again. And why all these? they said they are sending me a statement without my being responsible for it. Them why sent me a statement at all!!! I asked. 

Please help me Sir, Madam at CFPB. My XXXX every time I get these statements, which they tell me to ignore. Is this fair? I told them that this has also happened once with XXXX other credit card that I have. But the other credit card, XXXX XXXX XXXX, wrote me after it was over, 1 month. Only XXXX charge. How could Macy 's Amex allow all these XXXX charges in 2 days to even go over my limit? Inside job, I told them. To top it all, I also emailed their XXXX of XXXX XXXX in XXXX, Ohio, no reply. Thank you for your time and attention. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2016-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates (GA)

The collection agency is sending false information about a debt to the credit beauros. They are not providing enough info related to my debt that they are trying to collect. I sent a dispute letter to this collection agency asking them to verify the debt but the company is sending their computer screenshots and saying that its a valid debt. 

I contacted the the supposed original creditor XXXX and they acknoledged that the debt shouldnt have been reported in the first place. I got a call from XXXX saying that they would delete this negative item from my credit report and they promptly removed it. 

On the other hand, LJ Ross is reporting this debt as a deliquent account and hurting my credit. This js absolutly unacceptable. They would need to contact XXXX regarding this debt and verify the validity of this debt and remove this item from all of my credit reports.