davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2020 This complaint is against PayPal Credit Card for deliberately ignoring my dispute of a billing error on their statement dated XX/XX/2020 in violation of section 1666 of the Fair Credit Billing Act ( FCBA ). 
On XX/XX/2020, I contacted PayPal Customer Service by phone and spoke with a Customer Service Supervisor named XXXX. I informed Ms. XXXX that I am calling to dispute an amount listed on the XX/XX/2020 billing statement because I believed it was a billing error. My dispute was based on PayPal Credit ACCOUNT Agreement section titled YOUR BILLING RIGHTS SUMMARY and the FCBA.

After receiving my dispute, PayPal was required by FCBA to take the following actions : 1- Provide written acknowledgment within 30 days of receipt of the dispute.

2- Conduct an investigation of the disputed amount. 
3- Provide me with a written explanation or clarification after having conducted an investigation, not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after receipt of the dispute. According to section 1666 of the FCBA, the written explanation should set forth the reasons whether the creditor believes the account of the obligor was correctly shown on the statement, or whether there was an error.

It has been more than 90 days since I contacted PayPal Customer Service and submitted my dispute. However I have not received ( 1 ) an acknowledgment letter within 30 days and ( 2 ) I have not received a letter explaining the results of the investigation and whether PayPal Credit has found the amount in dispute a billing error or not.

PS : THIS COMPLAINT IS ONLY ABOUT PAYPAL CREDIT IGNORING MY DSIPUTE. THIS COMPLAINT IS NOT ABOUT THE DISPUTED AMOUNT. I RETAIN THE RIGHT TO SUBMIT A DIFFERENT COMPLAINT ABOUT THE DIPSUTED AMOUNT IF NEEDED.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

Hello, I have had a Citi Visa Costco card for about 6 years. My card has been compromised 4 x. This last time, I complained to the company but they just kept telling me they would get me a card soonest. I keep my cards in protectors and do not let anyone else use them. Within days my XXXX XXXX was compromised and I had to get a new card-first time for them. I am very frustrated with Citi. I plan on talking to Costco too. I have had a XXXX XXXX for over 30 years and it has never been compromised. My XXXX card is around XXXX that has never been compromised. I believe that the Federal government passed laws to protect us but does anyone make sure the laws are followed? I overheard a conversation about how terribly lax a major phone company is. Is lack of enforcement the problem? 

thank you for your time and attention
Consumer complaint received 2020-11-17
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. (GA)

I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. XXXX  DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX  HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (CO)

I received an email from : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) We are grateful for your purchase. For further details, kindly Search the attached file without delay They said it was a Paypal charge for internet protection and when I called the number I couldn't get any help to reverse the charge
Consumer complaint received 2020-11-17
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. (CA)

I went to XXXX XXXX today XX/XX/XXXX to purchase a car, but they did not approve me because of negative accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U.S. DEPARTMENT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX ). My personal information birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my name and personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as the results of these accounts being opened. I need these accounts blocked as they are a result of identity theft and they don't belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. I certify to the best of my knowledge, all the information is true and correct.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

First, I was never put on forbearance during Covid pause and my auto-debit payments continued. 

I called Aidvantage on XX/XX/22 and XX/XX/22 to request refund for payments towards Direct Loans that I made during the Covid pause. According to government guidance, I am eligible for the refund. I called specifically to get this processed before my consolidation went through and before my loans were transferred to XXXX because I am applying for XXXX. 

I called Aidvantage on XX/XX/22 and found out that Aidvantage never submitted my refund request. This has made my consolidation/PSLF process even more complicated. If my refund was processed as it was originally requested, everything would have been included in the consolidation. Now, I need to re-submit another form to add reinstated loans. 

The Aidvantage phone representatives were not knowledgeable and gave me incorrect information on how to request refunds for eligible loans. In addition, they failed to process my original refund request in a timely manner. The loan servicing specialist who have been answering my emails have been very helpful and commendable and the only ones who gave me clear answers however I am unhappy with the customer service over the phone.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I numerous credit inquiries on my Experian credit report unknown and without my consent. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. I disputed the inquiries and they came back verified without proof of my consent or sign documentation.
Consumer complaint received 2019-05-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Advantage LNS Inc. (FL)

This Event was one of the Most Challenging experience in my life regarding XXXX XXXX XXXX, Burglary and False Reporting in order to get more money after they allowed their Maintenance men to enter my home while I was at work and the Babysitter step out with my 2 year old son at the time to grab valuable items along with changing my locks because the Judge from My domestic violence case Granted to permission that I was allowed to break my lease due to safety reason that happened prior. On XX/XX/XXXX There was a domestic assault that on the complex which the XXXX XXXX was notified that my safety was at risk. I reach out to the Apartment Rental Office XXXX XXXX XXXX to inform them of the situation because the Police was involved they continue to ignore my communication regarding my safety and using my security deposit for relocation. I got grant from the State showing I was approved for relocation money documents on file showing this event. With no warning or 30 day notice on XX/XX/XXXX I got a call from my frantic Babysitter XXXX XXXX that she was locked out and cant get in. I immediately left my job upon arrival I called a locks smith got into my place we immediately notice items was stolen before my items was even remove from the apartment. My security deposit was in the amount of XXXX which I uploaded they kept. To insult to injury after being XXXX from previous event that took place on XX/XX/XXXX I had to deal with getting robbed by the apartment complex maintenance men along with them covering up their actions in keeping my deposit, ruining my credit, stole all of my electronics has I provided in my documents. I have submitted police reports and they continue to try to hide the corruption. XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Fl, XXXX phone # XXXX. This Company Goes by several other names such as XXXX XXXX. I have sent several emails to them and they just ignore they fact that their lying and I don't owe any money to them. Not only did they ignored my plea they stole many valuable items from home in the process in trying to destroy my credit .When I contacted the collection agency they sent me letter Stating the Creditor stated I owe money because of Soda Damages? Just so they can accumulate a fake debt to cover up what they have done. The apartment had no damages at all because I was not in there for that long. Please look at the dates on everything they send because it doesn't add up. They know I'm a struggling mother and they want to take advantage of that during a time I was assaulted.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I requested a security freeze with Lexis Nexis for my Lexis Nexis account in XXXX. In XXXX in addition to requesting a security freeze, I also opted out of any C.L.U.E reports with Lexis Nexis. I asked that the information Lexis Nexis had for me be frozen and not available to anyone including credit reporting agencies and possible employers. ( Please see the enclosed letter dated XX/XX/20 ). 

On XX/XX/XXXX, I received 2 ( two ) letters from Lexis Nexis confirming both my freeze as well the opt out. ( see the enclosed letters ). 

XX/XX/XXXXis saying they were able to verify public record information about a bankruptcy on my credit report by using Lexis Nexis. I demand to know how Lexis Nexis obtained any information regarding my social security number and a bankruptcy filing. I need to see proof my social security number on a bankruptcy filing. I demand to know how Lexis Nexis is validating any information in my Lexis Nexis files after granting a freeze that I have never requested be lifted. I demand that this erroneous information be removed from my information Lexis Nexis or Lexis Nexis file immediately. I demand that Lexis Nexis correct the false information they illegally supplied to XX/XX/XXXX and the bankruptcy information be removed from all my credit reports immediately.
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore loan services is in violation of federal and state regulations regarding loan processing, financial services and real estate procedures. 

At issue is a short sale request that was submitted to Rushmore on XX/XX/19. Rushmore ordered a property evaluation which came back at XXXX. Rushmore is required by law and regulations as the seller to pay for fees associated to a transaction such as taxes, settlement fees, real estate commissions, etc. Fees typically equal about 9 % of the purchase price of a property as commissions alone are 6 %. 

Rushmore is illegally demanding that they only have to XXXX or about 2 % of the purchase price. This is unethical, illegal and in violation of several regulations regarding financial transactions, acting in bad faith and real estate procedures. 

It appears Rushmore is attempting to make such a ridiculous demand so they can illegally violate the CAHBOR which requires lenders and servicers to help homeowners avoid foreclosure. By making illegal and unethical demands they are in fact denying borrower 's right to avoid foreclosure. These violations must CEASE and DESIST immediately. 

Federal regulators must investigate Rushmore to see how many other borrowers are being violated in this manner. This is an outrageous violation of laws and regulations.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I never received credit for a check I returned and never cashed. ck # XXXX for {$2000.00} dated XX/XX/XXXX. 

I was charged a late fee for an illegal, improper debit of my account for a mortgage payment on XX/XX/XXXX while they were holding my check # XXXX for that payment which they had received XX/XX/XXXX via XXXX and did not process until XX/XX/XXXX. 
I believe the late fee of {$20.00} was imbedded in a improperly posted deposit I made to the escrow account on XX/XX/XXXX for {$360.00}. I only received credit for {$340.00} deposit despite the amount on the actual check. 

My mortgage was sold with incorrect balances to XXXX effective XX/XX/XXXX and these issues were never acknowledged or resolved.
Consumer complaint received 2020-11-17
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: CBC Companies, Inc. (GA)

on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.
Consumer complaint received 2020-11-17
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. (NV)

I got a copy of all three of my credit report personally for myself for the 1st time in years and there is a few accounts and personal info on them that do not belong to me and I do not in anyway recognize. I filed a police report, identity theft report, and disputed it with all three credit bureaus and they have not removed the accounts. I should not be held liable for accounts that a company allowed someone else to open in my name and am furious that they have not taken them off my reports. I have decent credit and should not be liable for something I didn't do.
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TX)

Once a month I receive a phone call from XXXX XXXX XXXX, which claim they are a mediation company, the individual on the phone states they are attempting to collect a debt. After I verify that I am the the person they are trying reach with the last 4 digits of that social security number the operator tells me they are trying to collect on a Chase acct. I inform them that I never had a Chase acct, have not had the name they show on the acct for the last 6 years and I want the threatening calls to stop. After that they either put me on an indefinite hold or hang up on me. 

If I let the call go through to voice mail, it is a recorded message stating they are going to serve me at my home or office but the operators they can not verify either address.
Consumer complaint received 2024-08-19
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. (CA)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I am having issues withdrawing my funds of {$25000.00} They first placed standard holds on deposits which was just, however after they placed an extended hold for " fraud protection '' for almost 50 days. When I contacted support they said they would unlock that if I verified my identity. I verified my Identity then after a while the support said yes I'm verified but they can not change the extended hold. 

I am filing this complaint regarding an extended and unjust hold placed on my funds totaling {$25000.00} by Coinbase. I initially understood and complied with the standard hold placed on my deposits for fraud protection. However, after the standard hold was lifted, Coinbase imposed an additional extended hold for nearly 50 days, citing " fraud protection. '' I contacted Coinbase support and was informed that the hold would be lifted if I verified my identity. I promptly verified my identity, yet the hold was not removed. Instead, I was told that despite my verification, the hold could not be altered. 

This extended hold is both unjust and unwarranted. I have repeatedly requested clarification and assistance, only to receive generic responses and no valid reason for why my account is still restricted. The customer support logs show a lack of transparency regarding the reason for the hold, and the process seems arbitrary. Despite multiple verifications and compliance with Coinbase 's procedures, I am still being denied access to my funds. 

The extended hold is severely impacting my ability to access my own money, which is essential for my financial well-being. I am attaching the chat logs from my communications with Coinbase support for your review. It is clear that I have complied with all requirements, yet the hold remains in place for an unjustified reason. 

I am requesting that the CFPB intervene in this matter to ensure that I am granted access to my funds immediately and that Coinbase provides a clear explanation and resolution. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Reported fraud on XX/XX/XXXX. A {$1500.00} transfer was made to a XXXX   which I have no idea about. Also a {$76.00} charge for checks that usaa said was sent to some woman i have never heard of in another state. My account was credited these amounts in the following days. Since, i transferred money to my credit union account in the amounts of {$4900.00} and {$4900.00}. It was in my credit union account for over a week when USAA requested it back from my credit union? It was withdrawn on XX/XX/XXXX and as of today, USAA has not given me credit? Im out almost {$10000.00}!! Please help! Ive spoken to dozens of people at USAA and get a different story EVERY time! No one cares! I need this money!
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NC)

My information and password was exposed in the data breach. I am writing to formally dispute inaccurate information on my credit report and request the removal of late payment items reported under my name. I believe there has been a violation of several laws, including 15 USC 1681 ( Fair Credit Reporting Act ), 15 USC 6802 ( XXXX XXXX ), and 18 USC 1028A ( Identity XXXX ). 
Upon reviewing my credit report, I found several late payment entries that are inaccurate and do not reflect my true payment history. I have documentation to support my claims, including proof of timely payments. The inaccuracies may indicate a breach of my consumer rights as outlined in the FCRA, which mandates that consumer reporting agencies maintain accurate information. 
Additionally, I believe these inaccuracies may also violate provisions of the XXXX XXXX regarding the safeguarding of personal financial information. If any of this information has been mishandled or misrepresented, it could fall under identity theft concerns as addressed by the Identity Theft Act. 
In light of this information, I request the following : A thorough investigation into the disputed late payment items. 
The removal of any inaccuracies from my credit report if they are found to be incorrect. 
Written confirmation of the results of your investigation and any actions taken to rectify these errors. 
I appreciate your prompt attention to this matter and look forward to your response within the XXXX timeframe as required by the Fair Credit Reporting Act. 
Thank you for your assistance. 
Sincerely, XXXX XXXX