davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Hello sir, I have two accounts with PayPal one under my name XXXX XXXX and email address XXXX and other account under my brother name XXXX XXXX under email address XXXX. 

In XX/XX/XXXX, Paypal informed me that I will not be able to use their service and they held my balance in total {$15000.00}. I have field two complains in the XXXX for each account and PayPal responded to my complains and they informed me that I have to wait 180 days to release my fund. 

I have waited 180 days and on XX/XX/XXXX, PayPal performed unauthorized transaction on the two accounts and they transferred all my money to an account called PayPal and they marked the transaction as corrections. Then, later they reported a problem about these transactions that they have performed on my account. 

I contacted PayPal asking about why they transferred all my money to this account that I am not a ware about. At that time I have informed that I have violated XXXX  policy and they will take all my money. 

I have tried to explain on a multiple occasion that I have not violated the policy and their claim is totally wrong. I have provided them on a multiple occasion that they are processing payment till this moment to the same research chemical product that I was selling at that time on XXXX. They said we will not return your money. I tried on a multiple occasion to ask them for evidence from their policy that I violated their policy, but they do not respond in a professional way. They said you violate the policy where there is no one single item in the policy states that research chemical products are not allowed. In addition, they still processing these kind of transactions till this moment for other websites. 

I have contacted the senator office in California to protect us from PayPal and I have been asked to file complain in the CFPB. I would appreciate if you can help me with this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX a collection company is reporting a balance from XXXXXXXX XXXX for the amount of {$2800.00}. This debt isn't valid and is apart of my loan forgiveness. Please removed this information so my true credit history can be reflected. The company didn't reach out to me and validate th einormation prior to reporting the account I learned about this account ater see it reported on my credit. Please delete this information as it is invalid and outdated. This debt has been forgiven please see attachment.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

This week I contacted XXXX  multiple times over chat and phone to ask for help. No one has been able to assist. I has disputed transactions that I reported and the company canceled the card. They issued a replacement. It takes 7 to 10 business days for the card to reach me according to Wisely. They did not offer at first to expedite the replacement. I got paid on XXXX and I can not access it in this account without the replacement. I can't move the $ through XXXX. My pay is entirely stuck. I have bills to pay and travel next week for work. When I got to speak to a manager yesterday XXXX, he offered to send a card via 2 business day shipping but said I would have to pay for it. I refused and asked for additional assistance and he hung up on me.
Consumer complaint received 2019-08-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I closed my mortgage with XXXX XXXX XXXX XXXX. My loan was bought by Lakeview Loan Servicing shortly after. I paid {$950.00} at closing for 3 months worth of property taxes that would be due for 2018 when I closed on the house in XX/XX/2018. The {$950.00} was instead sent to my escrow account and not to the property 's tax account. I received a notification of delinquent taxes from my county and addressed it with my loan servicing company. They took the money due out of my escrow account in the amount of {$720.00}. They subsequently increased my monthly payment by {$61.00} every month to account for the {$720.00} paid for 2018. 

I have been paying {$310.00} in escrow payments every month to account for year end property taxes. The {$720.00} that was due for delinquent taxes should have been covered by the {$950.00} that was put into my escrow account instead of my tax account at closing. That leaves a {$230.00} surplus on top of the {$310.00} I have been paying every month since I closed on the house. 

Somehow, the mortgage company seems to think I owe that {$720.00} to them now. I do not understand how a surplus of {$950.00} on top of monthly escrow payments minus a {$720.00} paid in delinquent taxes puts my escrow account in a deficit. I have addressed this issue with the company on four different occasions and have been told different answers each time. Between the original mortgage company that processes my load and the loan servicing company that bought the loan, the {$950.00} was not accounted for properly and I am being held accountable for their mistakes.
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act, account XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 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 an account without my written Instructions
Consumer complaint received 2022-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The account was transferred to a collection agency over 7 years ago, but the collection agency changes the date to keep the account active on my credit report. 

The account was a charge card for XXXX XXXX and the charges were added because I disputed a fee charged to me when the payment was made on the due date. I did not pay the fee, therefore late fees were added every month until it reached {$370.00}. I refuse to pay the amount and have discussed this with the collection agency. These fees are all charged because I disputed a late fee charge which they should have corrected. 

I am tired of this item being on my credit report and would like to have it removed immediately because I do not owe it and it has remained negatively on my account for over 7 years.
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MI)

This now I have been fighting with and I have writtten emails and responses. This is COMMENITY bank overstock store cardI have Other commenity store cards that over the last 2 yrs my credit line has went up even in XXXX of 2021 applied at a different store and my credit line was opened at XXXX dollers. so why commentiy decreased my over few months and in XXXX decreased is to XXXX dollers never missed a payment and every time I ask WHY? write a letter I did got the same generic response due to info recieved from one of your credit repoerting agebcys... CONTACT them. What I reply why? so I do then am told what I know as my score ans all is correct I need to contact them. I reply I was told to ask you what info you send to them. NO NO NO mae We update what we recieve not the other way around contact the card issuer. I do again and told again contact your credit buerous. I do again I am told they have nothing to do with sending any information contact credir issuer. I have did this and Like I said have proof run around not since XX/XX/2021 no answer. also I asked ok I know what ever your doing is incorrect I know my credit score you might have me confused with someone else. I was tols again write a letter I recieve same generic response. also I ask WHAT ID I JUST REQUEST a limit increase so you can get current info. Is it a hard or soft inquiry? commenity response.. ( I dont know ) contact your credit bureau ... What again going in a circle. You dont know? No we dont have tht info write letter or secure email wich I did and again same resonse. So DONT THEY HAVE TO TELL ME IF IT IS A SOFT OR HARD INQUIRY>???? Before I do that? And there information is wrong it makes no sence. and my credit bureau HAS NOTHING TO DO WITH IT How they keep telling me ask XXXX, XXXX and CONTACT XXXX for questions ....
Consumer complaint received 2019-11-17
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: CITIBANK, N.A. (SC)

Around XX/XX/XXXX received completed compliant from XXXX. Citimortgage closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. Citimortgage retained mortgage all this time Since XX/XX/XXXX .All they ever done was changed Account number. But Citimortgage has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on Citimortgage.
Consumer complaint received 2024-01-29
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. (WI)

On XX/XX/2023 I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer 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 pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''. Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. On XX/XX/2023 I sent a letter to all 3 consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. TransUnion and XXXX both came back with my personal information being validated. The incorrect is as follow : Names Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX I also asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX was removed/Deleted from TransUnion but not XXXX and XXXX meaning the information on my consumer report is incorrect. Debt of EdXXXX XXXX was removed from XXXX but not XXXX and TransUnion meaning the information on my consumer report is incorrect. Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Consumer complaint received 2022-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (FL)

okay my original debt was with a company called XXXX XXXX who i tried to settel before i asked to close my account. this happened in the middile of the pendemic and i offered to pay them a lower amount until things changed they refused my {$30.00} offer and them sold my information to LVNV funding LLC without my permission then this company started calling me until i blocked thier number from my phone. i have never conducted any business with lvnv funding and this company never issued my any line of credit so why is this on my credit report {$540.00}? PLEASE ask this company to you an original aggrement with my signature on it to verify that we conducted business together... thanks
Consumer complaint received 2020-11-10
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. (AZ)

I went to XXXX  XXXX  XXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this 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 )
Consumer complaint received 2022-10-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: United Consumer Finance, Inc. (CT)

I have been trying to pay multiple times with the card I have ALWAYS used and now they have blocked me from making payments. The card has been on file in their system. Just says the card is invalid everytime Ive tried to pay.
Consumer complaint received 2022-12-14
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. (GA)

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX : XXXX, have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Greetings, Back in XX/XX/2024 I have opened a secured credit card with the bank capital one with a deposit of {$500.00} and my card got approved and they send it fast because to my understanding I have been with them for years I have another regular credit card with them and XXXX checking an a savings account and right now they are in good standing and a few days my new secured card arrive they looked my account app and when I called it was for supposed fraud and when I called they acted very weird and they treat me like trash and when I went and try to activate my new secured credit card they told me that they need it to verify my Identity because of a posible fraud and I spoke to them and explained to them that I was with them for years and they did not wanted to hear it so I went and send a pdf photo of drivers license, my social security card and a copy of a statement of a checking bank account that I have with them and after XXXX days they rejected the bank statement wish they told me that to send in because it was going to work so I send another statement from another checking account that I have with them they rejected and when I called them and ask why they where playing around and did not took me seriously or even pay attention to me so I send another statement from a different bank account and still they rejected me so at this point I was so frustrated but still send my cell bill and a card from my my medical Insurance and even a letter from a business account that I also have and still havent heard from them and I will like to get this resolved as soon as possible because my experiences with capital one has been very horrible so far.
Consumer complaint received 2020-11-10
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/2020 my XXXX XXXX was stolen. The car was reported total loss after not being recovered and settlement claim was sent to Infiniti Finance. During the beginning of COVID Infiniti Finance switched to virtual operation leading to excessive hold times, supervisor inability to contact, and lags in all processes. 

XXXX submitted car payment in full request to Infiniti Finance on XX/XX/XXXX. This would close the entire account paid in full. After 1 week of followup we were told to re send the documents in which XXXX re sent documents after XXXX had already received confirmation of receipt. We had the local dealerships file complaints to Infiniti Finance as it took until XX/XX/2020 for someone to sign the form to collect payment. XXXX Finance was unable to deposit the money to formally close the account until XX/XX/2020 leading to a 30 day late fee on my credit report. 

I disputed my inquiry with Infiniti during the month of XXXX with a supervisor to ensure no delinquency was hit on my credit. Infiniti never closed the claim, communicated with me on the claim, and the claim was still opens of the end of XXXX when we received word of the delinquency on my report. 3 weeks ago we filled a second complaint to have the 30 day delinquency removed and it was not approved with request to have us mail proof to their headquarter office. The proof exists in their phone calls- specifically the phone call with the supervisor in the Month of XXXX who apologized for extended time to clearance and put the ticket to ensure no credit hit was made. The company will not provide me phone call records without a lawyer formally subpoena them. 

As a consumer I understood the CoronaVirus impacted their logistics during the beginning of the pandemic. This is the only delinquency I have on my entire credit report leading to a disqualification of my mortgage refinance costing me roughly {$30000.00}. I trusted a company would thoughtfully resolve a total loss understanding all they needed to do to collect payment was have a supervisor sign a check- however that was delayed as they were all virtual. This delay on their part due to corona virus led to my credit being impacted with no remorse, or concern about my credit score.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MA)

{$1400.00}. XXXX XXXX. I have sent XXXX XXXX a debt validation they have not responded to my letter and also reported to my credit report. Once again this item does not belong to me.
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

Leased Toyota XX/XX/2023 in XXXX Went to get license plate in XXXX where they knew we lived and couldnt with their paperwork. That was beginning of XXXX called dealership 5 times before someone told us where to call. Called Toyota financial. She said emailed to me and XXXX in XXXX busn days. Nothing. Called back at 7 days and she said they shouldnt have said that, they have until XX/XX/XXXX called back XX/XX/XXXX and she said we emailed. I said send it again. She wouldnt. She said she would mail. She said XXXX busn days. I called back on day XXXX and she said no 15 days. She told me can't try help until after XX/XX/XXXX. Today is XX/XX/XXXX. I asked to speak with supervisor and she wouldnt. I said I know Im being recorded and XXXX asking for supervisor and she put me on hold. I waited XXXX minutes and hung up. I have a lease I am paying on time on a vehicle I cant XXXX XXXX. Everyone I talk to kicks the can down XXXX XXXX instead of actually helping. I just want license plates and cant seem to get them.