davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I toured an apartment complex and paid a one time {$35.00} tour fee. I never selected an apartment with them, signed any kind of obligation to them, nor ever even verbally confirmed with them that I intended to move in to their complex. They checked my credit and said they could offer me an alternative deposit arrangement for an additional {$300.00} over their normal deposit due should I wish to sign with them. I told them over the phone I was undecided. Months later I got a collection company call saying I owed this complex {$300.00}. I explained this was either a mistake or fraud and described the above interactions. I immediately called the complex and spoke with a woman in the office and told her this was a mistake or worse and it needed to be corrected. I heard nothing back. I called again and left a message. Again no reply. A third call and another answering machine and no reply. I emailed the XXXX XXXX XXXX detailing my dispute. No reply. I then saw this showing up on my credit report and I disputed it there. No reply! Now today I see it STILL SHOWING on my credit report only now turned over to a collection company. There is absolutely no possible way this debt can ever have been verified because it simply does not exist. This is either a coding error or fraud on the part of the rental company.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

On XXXX XXXX, 2017 I noticed that my credir report dropped a significant amount. This was due to an error that XXXX XXXX made. They erroneously reported that I was using between 12 and 29 % of my credit for the month of XX/XX/XXXX. On XXXX XXXX, 2017 Supervisor at XXXX XXXX XXXX stated she would message the XXXX reporting agencies, Equifax, XXXX and XXXX of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached 2 screen shots of my credit report. The correct one and the one that took a hit uneccessarily. Please fix this error ASAP.
Consumer complaint received 2017-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On  XXXX   XXXX     2017 PayPal d ecided to please limitations on my account and place a holding on {$1600.00} on my money for a period of 180 days. With out giving me a reason why after numerous emails and phone calls all I was told is it 's there policy and in the user agreement. When I asked to review what has caused them to do this I was told I would need a court order or subpoena to do this. After days of research I have found that this is common practice for them. They have had  XXXX  class action lawsuit they have settled over this and still continue to do it. After filing a complaint with the Better Business Bureau,  PayPal response was they cleam fraudulent activity and for fear of  charge backs on my account, I have had zero complaints against my account. After reviewing there user agreement, it  States that any buyer protection is only good for 45 days, so why are they holding my funds for 180 days? When  I asked if I would be received an interest for six months I want to hold my money The customer 's service agent I was speaking to on the phone just laughed and said no. They are collecting interest on my money for their profit and they stayed this in the user agreement. This is completely illegal.
Consumer complaint received 2017-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent TransUnion a letter on  XXXX / XXXX / XXXX  in regards to unauthorized inquiries being reported to my credit report. I 've advised them that I did not authorize these inquiries and to review and delete. Today I 've received a response in regards to my dispute letter from them dated  XXXX / XXXX / XXXX . They 've refused to investigate and delete these inquiries. A valid dispute should be reviewed in 30 days but I 'm almost positive they did not come up with a valid resolution for this dispute because they came up with a resolution  XXXX  days letter. There was clearly assumption from TransUnion that these inquires were unauthorized, with no investigation or proof. What they stated in the letter was " The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for  XXXX  years. '' As you probably know,  Credit Reporting  Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting  Act15 USC 1681n  ( a ) (  1  ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization.     The following unauthorized inquiries are as follows : -  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 2020-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (PR)

O have tried 6 times to make a hardship application and they have pull my credit and started paying them theXX/XX/XXXXand XX/XX/XXXX of each month and cant paid the full amount in full and they keep canceling my application with out a good reason. Im doing everything on my end and show them all my income and account and cant keeping doing payments and they are reporting that I have not do a payment for months and it not true. Should I get a bankruptcy or else. They are just not giving me a alternative. I havent get a letter or anything for the last 30-60days. From PenFed
Consumer complaint received 2020-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (PR)

I received a letter from McCarthy, Burgess & Wolf in behalf of XXXX XXXX XXXX, in which they charge me {$1200.00} for an alleged service I received in Pennsylvania. Thing is, I have never lived in Pennsylvania and it is through that letter that I learned my identity has been stolen. The person in question has my social security number, and therefore my personal credentials. I filed an identity theft alert in all of my credit bureau accounts, and even did a report with IdentityTheft.gov. I have even done a police report concerning my identity theft problem. Since then, I called XXXX 's office on XX/XX/2020 to let them know of my situation. I also sent them a copy of my identity theft report on XX/XX/2020 to validate my claim. Today, XX/XX/2020, I received a letter from XXXX in which they claim they did an investigation and that I supposedly benefited from the service and therefore I owe that debt. They also say the balance is my responsibility. How can I live in two places at once? That's ridiculous! And of course the debt has been placed in my name, since the thief has MY credentials. They also say the investigation has been closed at this time, and the balance is due and payable on XX/XX/2020, and the letter got to me today XX/XX/2020.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST HERITAGE CREDIT LLC (MS)

I need late payments removed off my credit report as charge off when I refinanced my loan and is currently paying on it. I would like this removed from my credit, because it is negatively affecting my credit.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc. (CA)

A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.
Consumer complaint received 2017-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

I made a purchase throug h PayPal, fun ded by my  XXXX   XXXX  credit card, to an out-of state mercha nt ( 4-auto par ts.com ) on or around  XXXX / XXXX /  XXXX   in the amount of {$230.00}. Th e Merchant creat ed a fictitious  XXXX  shipping label and also signed for delivery to give impression that item had shipped and delivered. After no item or shipping confirmation appeared, I asked merchant about status. He was immediately abusive and evasive, so I started a dispute with PayPal. I did not feel the length of time allowed in their policy, for the seller to respond, was reasonable so I went to the funding source,  XXXX   XXXX  to dispute the transaction directly. They immediately issued a credit for the purchase amount, but rescinded it upon response from the seller and asked for more evidence in support of my argument. I provided this additional information, and on  XXXX  they reapplied the original credit back to my account.   Unfortunately, I received another letter from  XXXX   XXXX , dated  XXXX / XXXX /  XXXX  , stating that they were rescinding the credit again, because PayPal inferred refunds had already been issued for the transaction and they were under the impression I had been paid twice. PayPal failed to disclose, however, that these applied amounts were actually valid refund amounts ( {$130.00} from  XXXX , and {$32.00} from autopartswarehouse.com ) from  two other completely different transactions, and from two completely differe nt vendors, both from  one another, and the business named in the original dispute ( 4-Auto parts ).    It is now  XXXX , and I have yet to see a permanent credit in the amount of {$230.00} from either party, and both  XXXX   XXXX  and PayPal blame the other, but have still not issued the credit. I do n't know who is lying, but someone is, and I still do n't have my money back. Further, I have asked the Attorney General 's office in the state of the merchant to investigate them for mail fraud as I have evidence supporting his questionable practices as regular occurrence as well.
Consumer complaint received 2016-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Dream Center Education Holdings (WA)

In 1997 I was XXXX, just had a baby and just received my XXXX I thought the best choice for me would be to get further education. I saw an advertisement for both XXXX tech and The XXXX XXXX of XXXX. I set up tours to both schools. XXXX XXXX XXXX told me that they would recommended that I NOT enroll at that time due to my age and the fact that I just had a baby. I then went on a tour at the XXXX XXXX. I remember the recruiter stating that the only way I can go to school there is if I claim independence from my parents. At the time I lived with my grandparents and they supported me and acted as parents. The recruiter stated that all I had to do is write an essay explaining that I was independent of my parents then their income would not be counted. The recruiter then helped me write this essay so that a loan could be issued. I was in class less than 4 days later. I graduated at the age of XXXX and attempted to find a job. I went on several interviews and was told that I was too young to work around the equipment and that it would be a liability to hire me. The career office never assisted me and I ended up getting a job as a XXXX and never using my diploma. I have yet to have a job in my area of study to this day. I feel that at the age of XXXX I was misled and taken advantage of. I have since then went back to school and was able to find a career in XXXX. Over the years I have told every single loan servicer my story. I have been informed that I was at the age of majority and therefore able to legally sign a contract, even though I was a minor. In recent years the DOJ has sued XXXX XXXX XXXX XXXX XXXX for improper recruiting techniques. There is also a judgement stemming from a lawsuit that recruiters were given incentives to enroll students. I believe this practice is the very reason that I was urged to write that essay and allowed to obtain a loan worth over {$10000.00} at the age of XXXX. Some students are getting their loans forgiven because of this judgment. I fear that I will not be included as my loan was obtained in 1997 which is before the time period of the lawsuit. This is my first step in the process of seeking assistance in this matter. I would like my loan forgiven on the basis that I was a victim of improper recruiting techniques and that I was in essence manipulated to write an essay that was filled with half truths in order for the recruiter to obtain a bonus or increase enrollment numbers. This was not done in the best interest of the student but rather the best interest of a For-Profit college. The recruiters at The XXXX XXXX of XXXX should be held accountable for their actions and my loan should be forgiven. Thank you for any help you can provide in the matter as it is not clear how one would go about applying for debt forgiveness.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/XXXX, I sent an email to FIRSTBANK in order to find out why they requested my credit report from XXXX  according to a XXXX XXXX notification. Their response was that FIRSTBANK don't entertain complaints over email directing me to use regular mail along with a specific set of questions. On XX/XX/XXXX, I sent a certified letter over XXXX with all the information requested by FIRSTBANK. This week, I received a letter dated on XX/XX/XXXX in response requesting the same information that I have sent twice plus additional information including a request for copy of my credit report which is the subject of this complaint since it is not of my interest to share with them. My report is confidential and I'm not interested in any financial service from FIRSTBANK. 

NOTE : This complaint is about an unauthorized request from a bank, not an employer. I don't have or currently am interested in any service from this bank.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SANTANDER BANCORP (PR)

I have enough funds on my account and the bank is charging for non sufficient funds. Inclusive the bank sent me a letter indicating that there will be a {$0.00} charge for the ( false ) non sufficient funds on the account. This is a theft from the bank Santander of XXXX XXXX.
Consumer complaint received 2017-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed multiple  XXXX    XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NJ)

Hi, I deposited a check for {$62.00} in XX/XX/2016 in Chase Bank. The bank claims that they never received it and reversed the amount from my account. Meanwhile, I have a copy of the endorsed check from XXXX ( which issued the check to me ). I have tried resolving this with Chase to no avail.
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I logged into my Citibank online account on   XXXX     and made an online payment for {$150.00}. My payment was due on   XX/XX/2017 .  On   XXXX     I noticed that they never removed the money from my checking account, so I logged into my account and saw that their website did not process my payment. So I made the payment immediately. Citibank charged me a late fee of {$25.00} on  XX/XX/2017.  I have requested that they remove this fee since it was an error on their website and I have never had a late payment before. They have refused to remove the fee even though I did log in and make the payment on  XX/XX/2017   . It is not my fault their website did not process it.
Consumer complaint received 2017-05-22
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: CORELOGIC INC (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit reports   (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Consumer complaint received 2017-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (NC)

Recently while conducting a monitor of my credit report I discovered that OPTIMUM OUTCOMES #  XXXX  has furnished some items that have unverified information. I believe under  the Fair Debt Collections Practices Act , I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from OPTIMUM OUTCOMES but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under the  HIPAA  law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT  OF 1996 ], to pr otect my privacy and medical records from third parties. I do not recall giving permission to    XXXX   XXXX   XXXX   XXXX   to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and  HIPAA  authorization.   1.Please provide breakdown of fees including any collection costs and medical charges  2.Provide a co py of my signature with the provider of service to release my medical information to you.    3.Cea   se any credit bureau reporting until debt has been validated by me.
4.Please send this   information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as a  HIPAA  compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.   Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

I can not get Ditech Financial to process my XXXX XXXX to my account. This will be my 2nd attempt in getting Ditech to process the Dodd-Frank Certification with zero assistance. My first attempt was on XXXX XXXX, 2016. The documents sent into Ditech three ways - mailed, faxed and uploaded ( located Hardship Uploads ) on to Ditech webpage to my account profile as directed in notice dated XXXX XXXX, 2016 - Ditech failed to process these documents. 2nd attempt XXXX XXXX, 2016 - Mailed, faxed and uploaded on to Ditech webpage ( located Hardship Uploads ) as directed in notice dated XXXX XXXX, 2016. Detech keeps sending me the Document to fill out but refuses to apply the document to my account status adjusting my balance.