davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I completed a transaction through paypal with a known individual via friends and family that were completed in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was notified that sender of the funds initiated a buyers dispute against me and a paypal case was opened. Roughly 20 mins later Paypal unilaterally decided the case in his favor. Paypal has acknowledged to me that he claimed through his financial institution that all transactions were fraud. Paypal reversed the transactions and are claiming that I have to reimburse them approx. {$1500.00}. I have evidence that the transactions were entered into legitimately and with a known individual. I have XXXX posts, messages, as well as a signed document when he took receipt the games that he reimbursed me for. Paypal has advised me that I have no recourse as the transactions were completed via friends and family and the financial institution issued chargebacks. However, XXXX ( XXXX, etc. ) provide chargeback rights for only 120 days after the posted date of the transaction. These transactions exceeded that timeframe not only of the card processor but also Paypal 's own policy of 120 days from the transaction date. Additionally, although PayPal is not truly considered a financial institution, my understanding is they are still held by government regulations such as Reg E. I would appreciate contact if this is a matter that your law firm would be interested in reviewing.
Consumer complaint received 2018-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (IN)

I would like to file a formal complaint on how discover student loans has handled a payment on my account. On XX/XX/XXXX, I schedule a one-time payment of {$12000.00} to pay off my outstanding student loan through the DiscoverStudentLoans.com website and my log in. As of XX/XX/XXXX, the payment was pulled from my XXXX  Bank Account ending in XXXX and on XX/XX/XXXX I received confirmation from Discover that the payment in the correct amount was being applied to my loan. As of XX/XX/XXXX, the payment has yet to be applied. I have contacted via the phone and their message center multiple times each but keep getting asked to send in more documentation. They have not been diligent on follow-up of this matter. As a lender, this is unacceptable that any payment not be applied immediately to the account in which is was sent for. This makes we question whether all of my previous payments were applied accurately over the lifetime of this loan. I have attached my bank statement showing the payment, the confirmation letter, and screenshots of my online account where the payment has not been applied as of today. I am also sure that is was noted elsewhere that in XX/XX/XXXX Discover took incorrect payment amounts from what sounded like thousands of customers from the letter they sent out after having to reverse and re-withdraw XX/XX/XXXXpayments.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (CA)

CITIMORTGAGE Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.
Consumer complaint received 2023-08-10
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17
Consumer complaint received 2019-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A man came to fix my furnace. He told me to pay him advance for the services, he said he would buy the part and then return to my home to fix my appliance. I paid him through XXXX XXXX. The man never returned- it seems now that the man has run this scam on others before. I paid him {$120.00}. My house was cold, I found the part myself, I fixed my furnace myself. I was assured by Bank Of America that I could submit a claim and my money would be recovered. Bank Of America waited 90 days to tell me my claim was denied. I submitted proof that the man never fixed my furnace again, Bank Of America waited another 90 days to tell me this second claim was denied. BOA says XXXX XXXX is a third party and they can't recover the money through them, it can only be recovered from a vendor. By now, XXXX XXXX has most likely considered my claim too outdated to consider. The man has scammed me, Bank of America wasted my time and XXXX XXXX considers the claim too old to investigate. 

The learning lesson is to not pay people in advance for work. Also beware that Bank Of America will not always refund your money as they say ( you are not always guaranteed through BOA ) and XXXX XXXX will not work in favor of the buyer.
Consumer complaint received 2018-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

My mortgage that was current with no issues was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX And I have never received any contact or information I have tried numerous times to contact via website but can not get access due to do not have my new loan number. Calling multiple times daily and can't get through and have left my number multiple times a day with no call back I have my payments and can not make them I am afraid of foreclosure or negative impact on my credit Just want my information to be able to pay my bills
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I opened a student loan in XXXX 2013 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have NOT found any help. Not to mention how did {$4500.00} go to {$5100.00}?
Consumer complaint received 2018-04-17
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (VA)

The account with Lendmark was paid in full on XX/XX/XXXX. The amount paid was {$6900.00} in the XXXX, VA office. 

The account was then reported delinquent on XX/XX/XXXX and I called the office at XXXX XXXX XXXX and spoke with the branch manager XXXX XXXX who informed me the acct is not reporting late and she did n't see it on XXXX. At that time I started a dispute with both XXXX  & XXXX. 

On XX/XX/XXXX I received notification that the account with from a derogatory status to a current status.

On XX/XX/XXXX I received notification that the account was closed.

On XX/XX/XXXX I received an alert that Lendmark was reported back on my credit file, acct opened XX/XX/XXXX. 

I did not attempt to call the office as the branch manager acted clueless about what was going on.This acct is closed and I have all the documentation but yet Lendmark keeps reporting different information to the credit bureau that is affecting my credit score. 

Please investigate this financial institution and coach them on better credit reporting. I should n't have to go thru this much headache when I close an account. 

Thank you.
Consumer complaint received 2018-04-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (KY)

My XX/XX/XXXX Total Student Loan debt in the amount of {$8500.00} owed to Sallie Mae, parent company on Navient, was discharged through Chapter XXXX Bankruptcy, In XX/XX/XXXX-XX/XX/XXXX Navient began to sending statements regarding this balance. They wanted me to begin making monthly payments. I did not believe I owed this debt since it was discharged in the bankruptcy, however I also did not believe I had any legal recourse or the funds to fight this in court, so I filed for forebearance and was approved in late XX/XX/XXXX. As of XX/XX/XXXX I am supposed ti begin repaying this debt.
Consumer complaint received 2018-01-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

on XX/XX/XXXX at about XXXX est, there was a bitcoin sent from a third party to a bitcoin address i provided. the transaction has been confirmed on blockchain and three weeks later coinbase has still not deposited said monies to my coinbase wallet. i sent several emails to coinbase asking where funds were. the first two responses were computer generated and referred me back to their website. after sending the third email on saturdayXX/XX/XXXX, i received an email stating as follows : " Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. '' their customer support site had a message up that stated they were experiencing delays since mid XXXX. however, today that message simply says that the only delays are involving id document verification. this would have me believe that previous delays were handled. however, i checked my account today and my deposit still does not appear.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$16000.00}????
Consumer complaint received 2018-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (NY)

I have this negative on my XXXX report from PHOENIX FINANCIAL SERVICES LLC for medical services. This is falsely reported.I never had any medical service in XXXX XXXX XXXX OF NY. This is making a big negative impact in my credit. I had Identity theft done to me and have made a police report # XXXX
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Account locked XX/XX/year> Multiple charges of {$500.00} via XXXX XXXX went through others were blocked {$500.00} And an additional {$40.00} gone via XXXX
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This has been an ongoing issue with Bank of America. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now XXXX XXXX XXXX, XXXX.Sent letters in XX/XX/XXXX, XX/XX/XXXX, In XX/XX/XXXX sent letters in XX/XX/XXXX and XX/XX/XXXX to  validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XX/XX/XXXXand XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX No XXXX ( XXXX. XXXX XX/XX/XXXX ),  they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I opened a student loan in XXXX 2012 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8100.00}????
Consumer complaint received 2024-07-25
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. (KS)

To Whom It May Concern, Subject : New Complaint and Evidence This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX - Fraud Protection Dept Case id XXXX # XXXX Case id XXXX # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least XXXX times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2018-04-17
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. (OH)

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!
Consumer complaint received 2023-08-16
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/XXXX a charge was made at XXXX XXXX in Arizona for the purchase of several items totaling XXXX. I did not make these purchases. They were made using a credit card I had applied for but had never activated.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$4100.00}?
Consumer complaint received 2024-09-13
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. (DE)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$540.00}