davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (DC)

Hello XXXX XXXX, We received the case ( s ) you filed on XX/XX/2021. 
We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered. 
We're sorry for any problems you may have experienced with the transaction ( s ). 
Transaction information : Dispute Case ID : XXXX Transaction Amount : {$200.00} XXXX Dispute Amount : {$200.00} XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 Thanks, PayPal Pay pal transfer the money from my account to XXXX without my authorization. I did not filed for author payments. XXXX is a fraud company. They did not provide service for me in XXXX at all. I cancelled the account. XXXX provide a poor service for me in XXXX for which I paid {$250.00}. I agree on XX/XX/XXXX and authorized the charge. Due to poor service I cancelled my campaign with them on XX/XX/XXXX and filed 2 cases with Pay Pal. I just got the respond read above. Please, HELP. I am a XXXXl XXXX XXXX and every dime is important for me. I am very upset with pay pal decision. 
XXXX XXXX XXXX. 
The receiver of this payment is Verified http : XXXX XXXX Payment Sent XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I moved during Covid worse in XXXX XX/XX/2020 and was told not to come in to XXXX  store to return cable box i hung on to it never heard back from them even though I still am a customer ... they sent it to collections named XXXX XXXX XXXX it dropped my score 98 points after being alerted of this by Experian I called XXXX and went in returned the box worth {$59.00} ... I was never told this would go to collections I was told to hold on to it I need this REMOVED from my reports not just marked as paid COLLECTIONS
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

On Thursday XX/XX/XXXX of 2021 at XXXX, I sent a formal request via email to Planet Home Lending for an appraisal of my home to be able to see if I could remove PMI. 
I am required to only use appraisers from Planet Home Lending. 

I received a response email from Planet Home Lending ( PHL ) stating all I had to do is send documentation of home improvements and costs for them to schedule the appraisal. 

On Tuesday, XX/XX/2021 at XXXX is sent two receipts from my over XXXX dollars of renovations to PHL. 

On XX/XX/XXXX of 2021 at XXXX I asked about the status of my request for an appraisal. 

On XX/XX/2021 at XXXX I was notified by PHL that my request for an appraisal was denied and cancelled for not meeting requirements to deserve an appraisal. 

I believe I am being unfairly charged PMI when I clearly have increased my home value by over XXXX dollars. Even my local tax office in XXXX XXXX appraised my home at over XXXX dollars more than last year. Yet PHL will not even let me have an appraisal ... ..just to keep me paying more money.
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: EQUIFAX, INC. (LA)

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management (MI)

My debt was paid off. When I have tried to dispute this with XXXX, I am unable to log into my account. It will claim I don't have an account with them, but when I attempt to create an account, they say my info is tied to another account. I called them months ago when the the debt was originally paid, and they said it would be removed from my account. It hasn't been yet.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

I had a mortgage ( # XXXX, XXXX XXXX XXXX, XXXX XXXX serviced through " My loan care ''. The property was sold on XX/XX/XXXX. Release of mortgage was not filed until XX/XX/XXXX. Received a letter from the attorney XXXX XX/XX/XXXX ) of the purchasers of the house saying that the release of mortgage had not been filed. Called every phone number on their correspondence and any number I can find for the company through " XXXX  '' and got the same recorded message to either change my address or hear my 1098 info, with no option to talk to a human. Finally found an email address online for a research department for said bank ( XXXX XXXX Sent an email on XX/XX/XXXX. Received an automated response with a ticket # of XXXX on XX/XX/XXXX. 
Received an email on XX/XX/XXXX with an attached release of mortgage. Mortgage was filed in the wrong town ( XXXX, CT ) when the original mortgage and house reside in XXXX, CT, and with the wrong date. I, and my attorney have sent numerous emails since trying to get them to correct the error, and have received no response or correction.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

XXXX  and Experian is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Consumer complaint received 2021-05-20
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: AMERICAN EXPRESS COMPANY (NJ)

I am the owner of XXXX XXXX, an event company that books tickets for Broadway shows, concerts, etc My business was shut down due to Corona. I had a large balance with American Express XXXX at the time, due to inventory purchases for future events. I knew most would be refunded as the events one by one began to get canceled. I tried negotiating with Amex based on this, requesting a credit on the estimated refunds, but they would not listen and they went ahead and filed a lawsuit. 
I ended up settling the account which started out as a balance as high as XXXX but then was lowered to about XXXX due to refunds. More refunds were anticipated over time. I finally settled with Amex for XXXX to be paid over a period of a few months. 
I asked at the time what would happen with additional refunds, AFTER I paid the agreed settlement, but they did not know exactly how they will go about that and informed me that they will look into it. In the meantime, I made payments towards the XXXX settlement, as agreed and I was getting thousands of dollars in refunds at the same time. Those refunds were NOT counted toward my settlement balance nor were they refunded to me. I would like those refunds to be made to ME directly, since the settlement was reached on XX/XX/21. And is currently PAID IN FULL. 
We called Amex numerous times to try and set up those refunds paid directly to me. They informed me that I should be receiving those back. So far, I have not received any refunds from Amex and at this point they are giving me the runaround. I have attached the settlements agreement and stipulation from American Express and the attorneys.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 2021-05-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Cant access my prepaid account on website, it was said that my security information is incorrect, before it displayed incorrect security information I still used the card on website couples of minutes ago when I have to sign in back it kept kicking me out
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021, I deposited {$500.00} into my PayPal account, and a couple days later, PayPal blocked all transactions on my account, and told me they were closing my account because they suspect fraud. I asked a PayPal represent active if I could be given an opportunity to prove no fraud had been used with my account and they said no, the account is scheduled to be closed and a refund of available funds will be mailed to me in 180 days. 

PayPal refused to allow me to access my {$500.00} for 180 days and is closing my account without providing me details of why that decision was made, and refused to give me an opportunity to keep my account open. 

I was also charged {$10.00} which was an unauthorized transaction which I disputed and my dispute was not appropriate handled, leaving me with a balance of {$480.00}. 

PayPal has engaged in harmful, reckless, unfair, and discriminative behavior when handling my account.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (WA)

On XX/XX/XXXX my stimulus payment was applied to my account. Navy Federal Credit union decided on their own without letting me know that they were applying a {$140.00} provisional credit to my account for my benefit so that I could have full access to my stimulus payment, which was deposited into my savings account. My savings account was {$0.00} at that time, even if they think they had a right to put a credit in my account there was no reason for the credit. Now, 60 days later without contacting me prior they have taking the {$140.00} back out of my account, meaning they reversed the credit leaving my savings account - {$140.00}. When I called and talked to the bank the supervisor I spoke to jokingly with a little snicker says, we are prepared to offer you budgetary counseling, if youd like! I am really irritated about all this, especially because I dont have an extra {$140.00} and I have been without a job for over a year now due to COVID-19 and this is happening to me now. Its ridiculous!!
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nationwide Title Clearing, Inc. (NJ)

On XXXX XXXX XXXX XXXX XXXX XXXX by Nationwide Title Clearing Inc. its attorney-in-fact assigned mortgage to XXXX XXXX XXXX  with XXXX XXXX signing as Vice President. 
I would like to file a complaint against NTC and demand they disclose who autorized them to prepare assignment to XXXX XXXX XXXX  On XX/XX/XXXX XXXX XXXX XXXX then assigned mortgage to XXXX XXXX XXXX XXXX For XXXX XXXX XXXX XXXX by XXXX XXXX XXXX  XXXX with XXXX XXXX signing as Assistant Secretary. 
I would like to file a complaint against XXXX XXXX XXXX  XXXX and demand they disclose who autorized them to prepare assignment to XXXX XXXX  XXXX XXXX for XXXX XXXX SC XXXX ( even though XXXX XXXX states in letter attached that they do not own the loan or mortgage nor service the account ).
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

This is a continuation of this complain, XXXX. Transworld Systems INC and the XXXX XXXX XXXX XXXX is extorting my daughter for being ignorant of the law. They refuse to settle this case and they have taken her income tax check of {$1900.00} in a pandemic. This account was settle in the court in the state of Idaho. These charges were made by her now ex husband without her consent, and he agree to paying it in a court of law. " garnish his taxes '' The credit limit on the XXXX XXXX XXXX account was {$1900.00}, This case should be closed and documentation stating its closed should by sent to us as well as the credit agencies. 

Please review and advise XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I had an account with XXXX XXXX. Due to fraud it was closed and sent to collections. 
Portfolio Recovery is the third collections company it was sent to. I had payment arrangements with them so it wouldn't be reported to the credit agencies but it was! 
My bank returned a few payments due to insufficient funds. I had identity theft this past year and due to the Covid Pandemic I have being going through some financial hardships. I need this taken off of my reports. It lowered my scores 30 points on all three reports!!! Technically I do not owe this debt because I had fraud through XXXX. And I thought companies were not allowed to report collections because of the Pandemic according to the CaresAct. Read below! 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic.

The Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act.

The FAQs address the credit reporting requirements of the CARES Act, including considerations for furnishers when reporting consumers as current as required by the CARES Act. The FAQs also clarify that reporting that a consumer is affected by a natural or declared disaster is not a substitute for complying with the CARES Act credit reporting requirements. In addition, the FAQs address the Bureaus guidance that provides temporary and targeted flexibility in the event CRAs or the furnisher experience challenges as a result of the pandemic in investigating consumer disputes. All CRAs and furnishers remain responsible for conducting reasonable investigations of consumer disputes in a timely fashion. The Bureaus statement makes clear that the Bureau expects CRAs and furnishers to make good faith efforts to investigate disputes as quickly as possible.
Consumer complaint received 2021-05-19
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. (FL)

I filed a police report with our local police department, case number XXXX, in regards to XXXX XXXX XXXX XXXX, and XXXX XXXX accounts that do not belong to me. I disputed these accounts with XXXX Transunion and XXXX  and also provided them with the police report. 

After their investigation, XXXX  Transunion, and XXXX refused to remove these accounts. Yesterday, I contacted XXXX fraud department who agreed that these accounts did not belong to me. XXXX  fraud department can be reached at XXXX XXXX XXXX XXXX XXXX. ( I spoke with XXXX XXXX. 

On a hunch, I decided to look at my husbands credit report, and bankruptcy creditor list from a few years ago and found his old XXXX  XXXX account listed on my credit report, I have never been a joint account holder on my husbands XXXX  XXXX, or XXXX  XXXX accounts. 

As of now, I do have an active XXXX XXXX credit card. The other charged off XXXX XXXX accounts do not belong to me which doesnt make sense that XXXX XXXX would issue me a credit card if I had recently charged off to previous credit accounts. 

Bottom line, XXXX  Transunion, and XXXX are not investigating which has hurt my family and I financially in regards to being denied credit or better interest rates.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

YOUR COMPLAINT I processed a mortgage through BOA. The process began on XX/XX/2021 with a settlement of XX/XX/2021. What started as a deal with only {$7000.00} to {$10000.00} down payment ended with a down payment of over {$44000.00} or no mortgage. I believe I was a victim of mortgage predatory lending. After all the information was submitted and a conditional approval for the home was received, it was understood to qualify, a debt would need to be paid off. I paid off the debt. I also received a gift letter for {$30000.00}. I had asked the agent many times if there were any concerns. If I needed a co-signer. I was told everything looked good. The bank responded XXXX week before settlement to say I was not getting the loan because I could not get mortgage insurance. Apparently the bank had not applied for mortgage insurance prior. I needed to then come up with a 20 % down payment. After pulling that together days before settlement I was then told that I did not qualify for the promotion we original agreed on because I was putting down 20 %. I was offered the option of putting down 19 % and trying for mortgage insurance again or lose the discount. As my back was against the wall with settlement in a few days I was cornered. This left multiple people scrambling to come up with more money. My agent never offered assistance or options. I asked for a phone number to speak with the Supervisor and was told I could only email. The Supervisor responded to 4 emails one time the day before settlement. A phone number for the Supervisor was listed on the website but was not in service. To add insult to injury final approval of the loan was not granted until XXXX the night before settlement.
Consumer complaint received 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On my TransUnion Report I have unauthorized inquiries besides XXXX  XXXX and XXXX  XXXX XXXX and XXXX XXXX I do not authorize