davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my 3 years old account mistakenly and will not help me with getting it back. I've been doing business with PayPal for more than 3 years, My current monthly turnover is over $ XXXX, Everything was fine till yesterday. Since I got a message from PayPal that My account has been limited permanently from for violating the Acceptable Use Policy. I don't know why they did it because 1 years back, They limited my account, asked for more information and Verified our business, Nothing changed, We're still providing the same service. Even though My competitors are still using PayPal on their site. Reputation of my account is above average, We always make sure that our customers are happy! My account Had more than above {$6000.00} in my PayPal wallet, Which is also on hold for 180 days. 

I am not sure if this is some mistake as I assume it has to be. I can strongly say that I'm not breaching any guidelines. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently in my business a currently my business is stuck. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have been disputing Experian over what they have on my report for the last 2 years, they keep stating that my student loan was included in a bankruptcy and I have already sent proof that it was paid in full. They keep stating that the information is not sufficient. I have sent the even a letter from the Dept. of ED stating that it was paid in full and not included in a bankruptcy ( which is not allowed by the way in CA ) and they don't change anything. I believe that they are just rejecting the claim and not investigating anything. they are hurting my credit score because I have to pay higher interest over something is not even accurate. they need to fix the problem or at least update my credit report. Attached is another letter from the Dept. of Ed dated XX/XX/2018, stating that it was paid in full and that they can contact them to the XXXX. XXXX XXXX XXXX XXXX is they wish to confirm the information.
Consumer complaint received 2018-05-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (CA)

XXXX failed to provide me proper services. I had spend countless hours with them. I finally gave up and cancelled services they agreed for certain credit and asked me to pay certain amount, which I paid immediately. They later on have decided no they can't I have no idea why. They kept sending me letter. I contacted them on few occasions and every time they said they will get it resolved, I should not worry. XXXX later on sold my account to collection company XXXX I spoke to collection company they agreed to put the account in dispute and not to inform credit bureau. They said they will contact XXXX and get it resolved. Well they didn't and reported to credit bureau. I called XXXX today they said they have sold my account so they don't care. I requested for the transcript of my conversations. They pretty much refused. How can organization like XXXX do that to their customer. In fact they owe me money for time energy frustration and I couldn't work for months because of service.
Consumer complaint received 2018-05-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Our loan was transferred from XXXX to Rushmore and they did not send our Forebearance information from XXXX and we are now receiving threatening mailings from XXXX XXXX XXXX. I also sent an the approved Forebearance Attachment to Rushmore over 2wks as well to : XXXX and did not receive any acknowledgement. This is causing tremendous XXXX to my husband and I as we have gone through enough with our XXXX  who was XXXX for over 34 days in XXXX which has caused tremendous XXXX and extenuating financial circumstances which is why we had to go through the loss mitigation process with XXXX XXXX and we thought all the information would be transferred seamlessly to XXXX XXXX XXXX. However, we are still receiving threatening notices from XXXX XXXX XXXX.
Consumer complaint received 2018-05-29
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. (WA)

XXXX XXXX continues to report a debt on my Experian credit file. I have never had a debt with this company/Bank. I have disputed this through Experian and they continue to show it paid late. They last showed paid late on XX/XX/18. This is incorrect information that is damaging to my credit report. I want them to remove it in my Credit report.
Consumer complaint received 2018-05-25
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)

This is the second request to have this erroneous item removed from my report. Previously on XX/XX/XXXX, I requested to have collections that's presently listed as XXXX XXXX XXXX completely removed as this doesn't relate me. However on XX/XX/XXXX, I received an update from Experian regarding their results. What they did was adjust account type to remove the word " collection '', adjust the status to remove all previous details, and lastly remove all the blank payment history section.
Consumer complaint received 2018-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

This company XXXX XXXX XXXX also operates as Resurgent Capital Services and they respond to me as Resurgent Capital Services, but the credit report states they're XXXX XXXX XXXX. 

I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. 

Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. 

Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$700.00}. 

The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. 

Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per 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 ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. 

Please advise immediately how you expect to proceed.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-05-29
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. (SC)

Enclosed you will find two letters : 1. XXXX XXXX Security Freeze   Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting this. 

Thank you.
Consumer complaint received 2018-05-25
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: EQUIFAX, INC. (MO)

I have never had a account with this company, now they are reporting in my credit under a bankruptcy. I told the rep I disputed this account requested validation of the inaccurate account on my credit report, then added it to a disputed bankruptcy on my credit report. I was also told they open this accounts online. I told the rep I am a victim of identify theft also had a problem with a security breech, They refused to remove this account from my credit or provide me proof of who opened this account, I also requested a contract with my signature. This is not my account and has been damaging my credit for years. 

The address the rep gave I have never lived at. I am demanding this removed this is a fraudulent account & has not been filed under a bankruptcy. I believe this status was added to keep this inaccurate information on my credit longer after my dispute with this company.
Consumer complaint received 2018-05-29
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. (IL)

Hello- I have tried numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have XXXX and Experian Credit reporting agency remove this Bankruptcy. I've never filed for bankruptcy also this bankruptcy has never showed a dollar amount. I've tried calling, emailing and sending letters to them and they will not remover this. This bankruptcy is totally fraudulent and I need help removing this.
Consumer complaint received 2018-05-29
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. (SC)

Enclosed you will find two letters : 1. XXXX XXXX Security Freeze Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting this. 

Thank you.
Consumer complaint received 2018-05-29
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. (IL)

Hello- I have tried numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Equifax and XXXX  Credit reporting agency remove this Bankruptcy. I've never filed for bankruptcy also this bankruptcy has never showed a dollar amount. I've tried calling, emailing and sending letters to them and they will not remover this. This bankruptcy is totally fraudulent and I need help removing this.
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I opened a account with u.s. bank. I deposited XXXX in money orders. First money was on hold for 5 days. No one told me this at the bank when I deposited it. I was given access to XXXX. I get a temp. Debit card that would not work. So I could not even access the XXXX. I called and they said it was because a new card was sent. That would void temp card. Then I get funds released. I get a new debit card and credit card from U.S.Bank. The new debit card is now frozen. I called and was offered no help. Then I get a text that another card is being sent. Why I don't know. Now my debit card is frozen. My credit card is frozen and my online account will not let me on. I have called and emailed the bank. No one can help me. I was told a person named XXXX is the one that put the hold and he is the only one that can release my account. He will not return my call. He is unable to be located when I do call. I do t know what the problem is. This is my money. I have rent and bills to pay. I can not even buy food now. I am very frustrated. I want answers and I can't get any.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (PA)

Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with Atlantic credit and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened me.
Consumer complaint received 2018-05-29
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. (MA)

I have disputed an alleged debt reported by XXXX to all three credit bureau however each time Ive disputed the alleged debt all three bureaus have stated that XXXX has disagreed with dispute and therefore the alleged debt has remained on all three bureaus. XXXX  reporter to the bureaus that I opened and established a loan in XX/XX/2005 with them however I was not a college student. I asked the bureaus what form of verification did XXXX provide to them supporting the alleged debt however they were unable to confirm the documents. I also inquired from the bureaus is there any documents that I could give to confirm that I wasnt a college student and nor that I ever entered a loan agreement with XXXX. I also asked the bureaus if XXXX provided any original signed agreements supporting the alleged debt however I received no response, they were unable to provide that information. I am asking that the alleged debt of XXXX be removed from all three bureaus.
Consumer complaint received 2018-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This account XXXX was charge-off status on my credit reports that I have no knowledge of. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a balance of ( {$770.00} ), and charged offXX/XX/XXXX The account was sold to Portfolio on XX/XX/XXXX per XXXX XXXX XXXX. I didn't received a notice from Portfolio. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Portfolio on several occasions asking for VALIDATION, original account level documentation. Every time what I requested was refused but Portfolio would send me a printout of incorrect information. On my credit report Portfolio re-aged the debt showing the account was opened on a different date. This is not my debt with XXXX XXXX, but Portfolio is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. I've even disputed it with All credit bureaus and they all state that debt is verified not VALIDATED from the furnisher on record.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America US Pride Credit Card went MISSING!!! -- so i did not make any of the charges currently on the card. I have already reported the card missing many months ago, and so these UNauthorized charges should NOT be on my account still! Moreover, I was told upon reporting this that " Visa 's Zero Liability Policy guarantees that customers would not be held responsible for unauthorized charges made with the account ''. So the fact that this still has not yet been fixed is a breach on policy.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

While I am on vacation I noticed a debit card purchase that I bought through XXXX  I was issued a recurring payment that stated the funds in the amount of {$84.00} that would be withdrawn from on my account that it was a one time purchase. Upon reviewing my bank statement and seeing this was a recurring payment I first contacted Wells Fargo who basically told me there is nothing they could do to help me because it was a 3rd party charge and basically rushed me off the phone and advised the 3rd party to request a a stop hold, which I did. They advised I contact XXXX or Wells Fargo as the only way I could stop a payment is through them. XXXX was almost impossible to get to get in contact with but I managed. Again advised this was an issue with Wells Fargo and it would be an internal review that would take a look at the claim within 48 business hours and that my checking account could be hit again aand again with automatic debtors on my checking/debit card account until the issue was resolved through Wells Fargo. I contacted Wells Fargo back who seemed very combative and did not wish to positively resolve the issue with a seemingly easy result. The representative was almost argumentative in way I had to say and was told there was nothing he could do but put a freeze on the account and possibly stop the funds from being withdrawn again. POSSIBLY, really! I explained my story over the 2nd and 3rd and 4th members of the management team who only had the same useless explanation. They told me there are 0 guarantees that my money would be refunded if debits again and may have to be reviewed again by other department. Totally unacceptable that I would call and waste several hours of my vacation time to fight with a financial institution about the protection and guarnttee of my money that is deposited into a protected financial account. The only names I was able to retrieve were XXXX XXXX, who forced me into listening to a XXXX   disclosure, followed by XXXX, then XXXX who all seemed to back XXXX b/c he was forced into reading me a disclosure b/c he was forced to to cover his supervisors XXXX, which was used against me whenever I had something to say that I was read a disclosure I never agreed to to listen to! What a joke! I hope you can listen to these calls and teach Wells Fargo employees how to act and be truthful to their customers! Bye, bye Wells Fargo! Hope you all can whip theses guys into shape into being a successful bank again!