davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (FL)

PayPal responded to my previous complaint that looks jus as below : It's the usual lack of responsibility. 15 years ago I had to close my bank account due to the same fraudulent activity from PayPal as it is in this case. Today I received email from PayPal that I have message on their portal but I'm blocked to use it. Suggested by PayPal addition of debit card where PayPal will send money doesn't work telling me that debit card I provided is bad. I provided two Visa debit cards info. Debit cards I use everyday for groceries, gas and pay bills. But for this poorly run PayPal company " this are bad debit cards ''. PayPal has my home address on file. 
I have requested via registered mail prior to my account was blocked to send this funds by check ( with {$1.00} surcharge ). Never heard back from PayPal, never got the check. Tried to reply to PayPal email via " reply '' button, turns out bogus email address from PayPal returned to me. 
Tried resolution center " no cases have been found '' tried using " call '' button on PayPal website- it's not dialing. 
Simple words : criminal intent company like PayPal is not to be reached. PayPal is a fraud on American market. It was naive of me to start with PayPal again after they trashed my life once.
Consumer complaint received 2021-07-31
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: United Resource Systems, Inc (PA)

One day this company reported/ showed up on myXXXX and XXXX  credit reports. I have been a recipient of identity theft, so I thought maybe this was another one again. Since the identity theft I watch my reports like a hawk now, so I dont ever have to go through that again. It was 8 months going through the XXXX  to get all that fixed before. So I contacted XXXX XXXX
and XXXX  and informed them of this alleged account appearing on my report that I dont know nor never done business with. Both bureaus lied and said that it was validated by the company. I have sent certified letters after certified letters for 4 1/2 years and they keep coming back with the same lie : verified or validated by the company. I have asked for them to do an investigation which they did not do. When they didnt do, but lied and said they did I asked them for the proof/evidence of their investigation. Which they still have never sent a single price of paper to this day.

After 4 1/2 years the company finally sent a price of paper saying this was for a medical bill. I told the bureaus of this and said this would be a HIPPA violation because I never signed nor authorized any medical information to be released to anyone. The United Resource said they dont have to have a HIPPA release. I contacted the alleged company that the United resource said they are trying to

collect for who said they sent a letter ( billing statement ) which I never received. Then they said they gave this immediately to United Resource to collect. I have lost count how many certified mail validations requests and investigation requests and showing I am not the owner of this alleged, no proof sent account. Each time comes back with the same lies of validated or verified. And XXXX even said they are not going to look into this again and ignore it. From the first time I saw it reported on my report through today no signed proof of ownership has been given to me. And no signed HIPPA release form has been given to me. And no billing statement from the alleged company nor signature has ever been given nor shown!
Consumer complaint received 2022-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wish to file a complaint to CFPB AGAIN as my rights have been violated under the FCRA Law and fair credit and billing Act and HIPPA Privacy law. I have been trying to resolve these issues with Transunion and have not heard back. I have continued to receive unwanted call from this company. I have requested Transunion to disclose what right the companies have under the fair credit and billing act to collection. I have not heard back. On XX/XX/2015, I contacted the credit bureaus to request a full validation of these accounts the person was rude and not helpful, so I decided to file a complaint with CFPB. I have no knowledge of this account. XXXX XXXXXXXX Opened XXXX {$240.00} ) I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. Based on my research these accounts have been sold to 3rd party collection at a much lower rate. I need to see this contract too. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. Please do what is necessary to validate these accounts in a timely manner.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is my 3rd time filing a complaint! I have been dealing with Bank of America EDD debit card account from California, Enterprise Resolution Department. The following is what happened to my account - as told to me my XXXX XXXX, Platform manager for Bank of America. The criminals set up a phone app, which allowed them to access my account and set up my account to automatically transfer money into a bank account that they set up. When the fraud was occurring i made numerous attempts to call Bank of America 's fraud department and anyone in Bank of America edd debit card account in California. Also, I never had a phone app set up and never set up transfers out of my account. XX/XX/XXXX first time criminal took {$5000.00} out of my account, then XX/XX/XXXX {$4400.00}. I shut down my debit card immediately and would never have access to my account after doing this. XX/XX/XXXX credited my account, XX/XX/XXXX criminals stoled the money. I still don't have access to my account XX/XX/XXXX my account was credited I believe, and the criminals immediately had it transferred out. XX/XX/XXXX again credited and immediately stolen. I have continuously contacted the Edd debit card branch. Also, filing letters with Attorney General and Congressman XXXX XXXX and the FBI and the XXXX XXXX police department. Again, I never set up a transfer on my account which I was constantly trying to tell them to remove it. Every time they refunded my account it alerted the criminals on the phone and it would be automatically transferred into the account they set up ( So I was told by XXXX XXXX ). He said he was going to work on having a check cut and sent to me after they closed my account. The only check I received was for XXXX cents. I have explained my self to different representatives from the Resolution department, they all seem to understand, but yet they don't call me back. They have someone else call me back and it is the same response that they have closed my account and it is resolved. Yet I have never been reimbursed the money that was stolen and I paid taxes on this money, since after talking to the IRS, they explained to me I had to still pay taxes and the fact that it was stolen has nothing to do with taxes. So here I am again filing another complaint, I have reached out to try and find a lawyer who is representing consumers who have gone through similar issues with this EDD debit card accounts Department of Bank of America in California.
Consumer complaint received 2021-07-31
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: Experian Information Solutions Inc. (MA)

This letter is about the following accounts : XXXXXXXX XXXX XXXXXXXX : # XXXX, which you claim, I owe [ {$460.00} or my account was charged off {$460.00} ], XXXX XXXXXXXX XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. XXXX XXXX XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. XXXX : # XXXX, which you claim, I owe [ {$160.00} or my account was charged off {$160.00} ] .This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$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 ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-07-31
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

I tried to start a PayPal I had an old account I cant recover because its asking for my previous phone number. I sold two items for {$230.00} tracking was supplied and customer recieved payment they banned my account and said I owed fees on my old account which I cant logg into I asked them for help and was refused I was told I have to wait 180 days to get my money all I wanted was to know what I owed so I can fix my account because I didnt think I owed anything to PayPal Now I will not get a response below are the attachments of my attempts to rectify the situation and getting the same response over and over again
Consumer complaint received 2019-12-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

On XX/XX/2019 I wrote a letter to our Mortgage Bank as we've been making late payments on our mortgage. We haven't missed a payment but being continuously late is not good. 
Last year we went into Bankruptcy, Chapter XXXX, because we had money stolen from our checking account due to a breach on XXXX. We only lost {$8000.00} but that was all the savings we had in order to pay our Mortgage payments on time. 
As time went on my husband was diagnosed with XXXX XXXX XXXX. The amounts we had to pay for tests and new medications really took a toll on our finances. 
My husband is XXXX and I am XXXX. We have tried looking for jobs but no one wants to hire us when they find out how old we are. 

We have reached out to our Mortgage Bank, Flagstar Bank only to be given the run around and told they are working on a solution without ever writing or communicating with us. I constantly call to find out the status of our request and be told we are missing documents. I have sent documents 3 times. I just called again on XX/XX/2019 and was told that I need to re-apply as the documents are not legible. Really? Why wasn't I told this before. I told them that I never receive any kind of mail from them and have to constantly call in order to see if anything is being done. 

My husband and I are so stressed and desperate to come up with a solution. We have asked for a forbearance plan of 2 months in order to catch up and make the monthly payments on time with no late fees in the future. 

If we have no choice we will eventually have to sell our home. We have accumulated about {$50000.00} or more in equity, so a forbearance plan would be ideal. 

We have been working with Flagstar 's Loss Mitigation Dept. and now have to re-submit all the paperwork, which is huge. 

Can you help us? 
Thank you in advance
Consumer complaint received 2021-07-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I'm a veteran so the VA loan on my property interest rate has dropped from XXXX to XXXX so my loan officer is doing the paperwork on the loan. Experian is showing me a score of XXXX. When my loan officer pulled the Experian score he received a score of XXXX. Last month I reported to the following ; Just want needs to be done I'm tired of getting cheated, because of bad reporting. 

Experian has not been reporting on my life for I will be turning XXXX next year and it's exulting just trying to navigate the credit world. About two months ago I used Experian Boost to improve my credit on Experian. My score went up by 30 points to a XXXX. It's only effective Experian FICO Score XXXX ( XXXX ), the other Experian FICO Score XXXX ( XXXX ), Auto Score 8, FICO Auto Score XXXX ( XXXX ), Bankcard Score XXXX ( XXXX ), Bankcard Score XXXX ( XXXX ), and Bankcard XXXX ( XXXX ) have not changed. When I applied for XXXX  XXXX of the lower score are used to deni credit again. Experian has systematically to fine was on how not to report correctly on my life. When I called to talk to Experian there was no one to talk to. This company needs to disband and restructure they should not be allowed to practice in this manner.
Consumer complaint received 2021-07-31
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. (FL)

Experian has been unsuccessful in resolving incorrect reporting information after several disputes. XXXX XXXX account # XXXX was originally included into bankruptcy chapter XXXX on XX/XX/XXXX. Unfortunately, Experian Credit Reporting Agency has failed to report correct information and listed 90 day late entry on XX/XX/XXXX which is inaccurate and false. 

This information is in violation of the fair reporting act and should be immediately corrected by removal from my credit report.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

Usbank consumer credit card. Using the mobile or desktop website to dispute a transaction is impossible. The " dispute transaction '' button offers different prompts and questions that DO let you do certain things like deactivate the card etc. But do not actually let you submit a dispute online or on mobile at any time for any reason. All prompts end with a directive to call the usbank 800 number for help. The mobile website support admit this is the reality and I think it's misleading to advertise a dispute function without offering an actual online dispute process. 

Since calling usbank the message was updated to " coming soon were working on it '' but still does not work as advertised.
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I purchased my home in XXXX via XXXX XXXX  who sold my Loan to XXXX XXXX in XXXX. 
Since my loan was taken over by New Rez I now receive 2 Different Statements, one from XXXX XXXX and one from Loan Care who supposedly is the Loan Servicer. When I call for the statement to XXXX XXXX who is supposedly the owner of my loan I am not even in their system, they refer me to XXXX XXXX. This whole situation has become confusing. 
I am a XXXX senior and at times have issues with my loan due to delayed social security check issues. When I call in for help, they refer me to my Bank. But it is not a Bank Problem. 
This combination XXXX XXXX / Loan Care has turned into a discombobulated mess, with no one to ask for help. You being passed around like a dog with no home.
Consumer complaint received 2021-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to get this information cleared up for over 150 days. Every time i reach out to the CFPB i get a response back saying " The company doesn't recognize you '' If they don't recognize my disputes then how are they able to continue to report inaccurate information on my account? I am really confused because i always thought that the information had to be 100 % accurate or it shouldn't be on the report? I also asked them to verify the information was mine but still nobody has verified anything, and the info is inaccurate. I need help from somebody.
Consumer complaint received 2019-12-13
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. (NM)

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EXPERIAN verify this?????? 
EXPERIAN has failed to do a proper investigation. I demand that EXPERIAN provide the method of verification under section 611 of the FCRA or delete this account immediately
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NM)

Resurgent Capital services agreed to remove a negative account from my credit report, as it was paid it full. The account still remains on my credit report. Now I have a payment plan for a separate account, which I may cancel due to their actions of breaking their end of the deal with the previous account. The previous account had been removed at one point and was added back on recently.
Consumer complaint received 2021-07-31
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (AK)

The personal information that I provided to AmeriSave Mortgage Corporation ( AmeriSave ) was disclosed as part of a recent security incident involving the compromise of my personal information leaked during the over 4-month period it took Amerisave to complete my refinance ( Loan XXXX ). 

During the month of XXXX credit was applied for in my name to purchase a XXXX  XXXX from XXXX XXXX  XXXX and from XXXX/XXXX XXXX XXXX XXXX. 
An auto transport and auto insurance policy were both secured with my credentials. You have been the only company to have accessed as well as obtained all of the information to which this individual has access. 

I am writing this email to lodge a formal complaint and to instigate an investigation as to how my credit and credentials were compromised by your corporation. Data breaches are nothing new to Amerisave.