davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I purchased an item in XX/XX/2018. I called paypal since the item I received was defective. They recommended I call my credit card company to report an unauthorized purchase. I knew this was unethical so I told the representative to go through with a return. I was told I would receive a refund for shipping. I returned the item and paypal removed the item from my account so I can not follow their process to get a refund. I have emailed them 10 times and they do not read my response.
Consumer complaint received 2023-04-06
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2023-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WA)

Navient calls my family members up to 10 times a week despite being told not to call. Yesterday they left 3 vms for my XXXX old dad and one for my friends daughter who lived with me 8 years ago for 4 months when she was XXXX. Both were told theyre trying to contact me to collect on my student loan debt - so humiliating.
Consumer complaint received 2019-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I signed up for a new checking account and savings account with chase with a promotional coupon code so you would receive {$200.00} after opening a checkingaccount and you've met the requirements stated in the fine print. For some reason two accounts were open in my name with chase. Upon noticing this error i messaged chase and they said they would remove the extra account for me and KEEP OPEN THE ONE THAT HAD THE PROMOTION CODE ON IT. ( PROOF IN MY MESSAGES OF THIS CONVERSATION ) WELL, thinking everything was all set I had my employer start putting weekly payroll into my checking account. 
I kept checking in with reps ( again, proof on phone calls and in my messages with them ) and all of them guaranteed they see I've been fulfilling the fine print promotional requirements and that my {$200.00} bonus will be deposited within 10 business days. Ok, 10 business days go by and 3 weeks of direct deposits and still not bonus. I call, and the lady said " I do see you have the code! Since today IS the 10th business day but it's Friday..funds are deposited on Tuesdays so technically yes, 12 business days '' ok ... my patience is thin but whatever. Tuesday rolls around. No deposit. I call. Then a representative tells me the other rep closed out the WRONG CHECKING ACCOUNT. are you KIDDING ME. UNACCEPTABLE. and EVERY SINGLE PERSON kept saying I'm getting the deposit. Every week and NO ONE SAW THIS MAJOR ERROR UNTIL AFTER??? IM LIVID. so then they put in a extra " investigation '' so Tuesday and fast forward to today, Saturday. I finally get a call back with the conclusion, even though they admitted it was THEIR MISTAKE there's NOTHING they can do. I'd have to " create " a new checking account with new coupon code and have my employer start direct deposits all over again in a new again and set up my auto pay bills from a new account too. Basically a huge inconvenience and terrible customer LYING service.
Consumer complaint received 2023-04-06
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$360.00}.
Consumer complaint received 2019-04-02
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 — Their investigation did not fix an error on your report
Company: Io, Inc. (PA)

I have indicated to the credit bureau as well as the creditor the medical bill had been paid to the original creditor and it is still showing as an unpaid bill. A payment was made through an XXXX account for the XXXX XXXX provided to the original debtor not a collection agency. I have not received correspondence or a bill from a collection agency
Consumer complaint received 2023-04-06
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

On XX/XX/2019 I called to settle a debt on all 3 credit reports. I C System Collections promised to delete the debt on all 3 reporting agencies if I paid the debt in Full. I paid both debts in full and all I received was a letter stating promise to pay or what I C Systems calls a receipt. I have called repeatedly asking for a deletion letter and they refuse to do it after they promised to do so. I paid {$300.00} to remove both debts. I have also asked them repeatedly to remove the medical bills from my credit report because it violates my privacy rights. IC Systems continue to be rude to me when I call after I paid the debt. 
One debt was {$110.00}, the other was {$180.00} The company reported each debt but I paid them both together. 
IC Systems Collections XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I have had an account with OCWEN since XXXX of XXXX, and paid it off in XXXX of XXXX. I am currently filling out past tax returns and tried to log onto website as I normally do, I could not log on. 
I called and was told that since I had paid it off, the account was closed and there is no information. I gave customer service my loan number, name, social security number and they still could not find any information. I tried to submit a request on their website, but could not as it said my account does not exist. 
I tried to reason with the customer service rep, I told them I will need the information for my XXXX taxes, etc ... 
I have had mortgages in the past and am still able to log onto those companies and look up tax information. 
Not being able to access my tax information is not acceptable to me and I am pretty sure that the IRS will not take my explanation that my information somehow disappeared. 
OCWEN Loan Account # XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa XXXX Sold XX/XX/XXXX Any help or information would be greatly appreciated. 
V/r XXXX XXXX
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

PA CHILD SUPPORT XXXXXXXX XXXX  XXXX XX/XX/2012 Amount : {$1300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts dont report this type of account. 

Its also a violation of permissible purposes, they need direct written consent from me to report anything on my credit report.
Consumer complaint received 2023-07-25
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: ONLINE Information Services, Inc. (SC)

First of all this account is over 7 years old and it is illegal to collect on old debts according to the FCRA and FDCPA. 
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2019-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I'm in the XXXX and going to be XXXX to XXXX for 9 months, so I set up auto payments for my capital one credit card. I never got a phone call from the credit card company to tell me anything was wrong afterward. Until I received notice that I missed a Payment from XXXX XXXX. 
The payment was only {$25.00}. But now has lowered my credit score by 177 points! 
I called capital one and talked to a supervisor, even paid my balance in full, he continued to tell me he wouldn't change the missed payment, and that it was my fault I didn't follow up on the auto pay I set up with their company. 
I have never missed any payments on anything since I started building credit. 
I fell like I did my do diligence by setting up the auto pay, if the company had a problem with it, they should have contacted me BEFORE destroying my good credit status. 
I would like your assistance in a fair resolution in this matter.
Consumer complaint received 2019-09-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OK)

Lviv account number XXXX XXXX date XXXX XXXX XXXX XXXX XXXX account XXXX XXXX date XX/XX/XXXX two joint account Im single wrong debt on my credit scoring with XXXX XXXX XXXX account number XXXX date XX/XX/XXXX XXXX date all three equal XXXX XXXX in bad debt on credit scoring not mine dispute with XXXX   has negative items on credit til XX/XX/XXXXXXXX XXXX account XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I recently opened a Citi Bank High Yield Savings account. At the time of opening the account is was disclosed to me that I could transfer funds out of the account 6 times per statement period. ( this was a government rule ) When I finally tried to transfer funds out of this account, I found out that I was limited to a maximum transfer of {$10000.00} per day. And the transfer maximum was also limited to {$10000.00} per week. Therefore, I was only allowed to transfer out {$10000.00} in a week 's time period. 

This transfer policy should have been disclosed to me when I opened my saving account. 
If I would have know this, I would not have opened this account. Citi is more than happy to take my money, but acts entitled to hold onto my money. I feel deceived and I am harmed by this lack of disclosure.
Consumer complaint received 2023-04-06
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

I refinanced my mortgage with XXXX XXXX. My mortgage was with SunTrust prior to the refinance. On XX/XX/XXXX SunTrust sent a payoff statement to XXXX. However, the payoff statement was inaccurate because I had cancelled my XX/XX/XXXX payment but SunTrust included the payment in it's calculation for the payoff statement generated on XX/XX/XXXX. On XX/XX/XXXX SunTrust realized that I cancelled the payment so they generated a new payoff statement which they claim was sent to XXXX on XX/XX/XXXX. However, XXXX never received this payoff statement and SunTrust has no record that they actually sent the statement. 
So on XX/XX/XXXX a wire was sent to SunTrust to payoff the mortgage. The amount sent was based on the XX/XX/XXXX payoff statement because no one knew about the statement generated on XX/XX/XXXX. At that time SunTrust contacted XXXX XXXX company to let them no the payoff was short. Silk then contacted XXXX on XX/XX/XXXX to let them know. I was never notified of this issue. On XX/XX/XXXX by my own efforts I discovered there was an issue with the payoff. However, for 6 days I had two loans one my property both of which were accruing interest. This could have been solved in multiple of ways. Most notably I could have been contacted by XXXX on XX/XX/XXXX so that they payoff could have been corrected and I wouldn't have incurred extra fees and interest. Additionally, SunTrust should have honored the first payoff statement because they have no proof they sent it. XXXX said they would honor the XX/XX/XXXX statement if SunTrust could prove they sent the fax.
Consumer complaint received 2023-04-06
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (LA)

My student loan servicer is FedLoan Servicing. I am working to achieve Public Service Loan Forgiveness ( PSLF ) on my student loans. PSLF requires 120 on-time monthly payments. Due to low income and family size, my monthly payment was set at {$0.00} from XX/XX/XXXX until XX/XX/XXXX. During that time, I should have received credit every month for on-time payments even though the payment required was {$0.00}. However, on my Fedloan account, I am not receiving credit for about 15 months of {$0.00} payments ( XX/XX/XXXX - XXXX XXXX, XXXX XXXX, and XXXX XXXX - XX/XX/XXXX ). I have contacted Fedloan Servicing a few times about this issue. Each time I call, they assure me that the problem will be resolved and that I should receive credit for those months but, I never do. Each Fedloan employee I have spoken to reviews my account and can see that I have called before and the actions taken by previous employees and they say that " this time '' it will be fixed. It is still not fixed. On XX/XX/XXXX, I was told that my account would go through a qualifying payment review and the process should only take a couple months. As of today, XXXX XXXX, XXXX, a Fedloan employee is still unable to give me any information about the status of the review.
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation (CA)

M. Leonard and Associates attempts to charge interest on medical debts that they are legally not allowed to charge interest on per federal law stating that debt collectors can not charge interest that is not in the original contract. I have a medical bill with them in the amount of {$210.00} that I now supposedly owe {$270.00} on due to fraudulent interest charges. When I stated this and told them that I was not going to pay it at that time, they simply said, " Well it's already on your credit report. Have a nice day. '' and hung up. I can only imagine how many people have unfortunately been scammed by this company.
Consumer complaint received 2019-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MD)

I have been trying to refinance a vehicle from ally for almost a two months.Back in XX/XX/2019 I had asked for a payoff faxed to submit to my credit union.The fax was sent to me.I then decided because of my credit to stick out with ally.I called and was told someone would be contacting me about a rewrite.Fastforward to XX/XX/2019 I contacted them about a late charge that was sent to me but when I paid the note it wasnt on their website.I spoke to a young lady by the name of XXXX around XXXX.I got the run around about finally got to the Department when I asked what would the terms be the phone got quiet and then the survey came on.It was like she hung up or sent me to the survey.It seems like they dont want me to refinance.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and corrected : XXXX  XXXX
Consumer complaint received 2019-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I made three ( 3 ) separate purchases using my Bank of America debit card on the website entitled XXXX. 
It is the normal practice of XXXX to send a confirmation email within minutes of making the purchase on their website. I grew concerned when I did not receive a confirmation email. I could not reach a representative at XXXX so I immediately called Bank of America at XXXX on the same date XX/XX/XXXX. A Bank of America representative indicated that the charge had not yet come through but that as soon as they did come through I would be given a temporary credit and my claim/dispute would be processed. 
On XX/XX/XXXX, three ( 3 ) charges appeared on my Bank of America account in the amounts of {$95.00}, {$95.00} and {$330.00}. 
As promised, on XX/XX/XXXX, Bank of America provided three ( 3 ) temporary credits matching the three ( 3 ) XXXX debits. 
To date, I have not received the items purchased on the XXXX website nor a confirmation email. Instead, XXXX insists that the 3 orders were failed due to payment failure As such, XXXX continues to insist that I was not charged. See attached screenshot of my communications with XXXX. 
Bank of America, without explanation, reversed the temporary credits on XX/XX/XXXX in the amount of {$95.00} ; on XX/XX/XXXX in the amount of {$95.00} and the last one for {$330.00} on XX/XX/XXXX. XXXX has not provided the items purchased and maintains that XXXX did not receive payment. 

Bank of America received my XX/XX/XXXX fax complaint and on XX/XX/XXXX Bank of America sent to me two emails indicating that they would not be returning the credit to the account because XXXX validated the purchase. Yet, I have no idea how such a validation was made by XXXX   since I still do not have the items purchased.
Consumer complaint received 2019-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXX XXXX XXXX SYNCHRONY BANK CITGO XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The above accounts were from id theft. I have sent the companies all of the verifying information the police report, the id theft affidavit, my verifying information. these companies have re-reported this information after they recieved the the police report and all other information, and spoke with them on the phone multiple times.