davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights 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.
Consumer complaint received 2019-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Reference number XXXX I respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service.I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I feel a bit victimized and angry, and a bit like PayPal was pushing me around and doing whatever they wanted with my balance Pay Pal has previously requested for various forms of documents to prove I am a legitimate business in order to release my funds which I complied, to no avail. I understand PayPals need for holding funds for credit card charge back purposes, however a review of my account history will reveal a very low charge back rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an  unnecessary abuse of power. 

All of my customers have all received FULL refunds because pay pal consistently hold my funds which causes delays in my customers funds and products. I Spent countless hours to gain the trust of customers and in the end had to start over again from the point 0. There will be NO Charge back as all of my customers have been all been refunded. I feel that this was a fair resolution while still preventing PayPal acquiring any future charge backs or credit card disputes to my account.
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (CA)

In XX/XX/XXXX I switched phone companies XXXX bought out my XXXX contract as part of the deal for switching to them. Then in XX/XX/XXXX, I noticed XXXX was still charging my bank account. I went through all my Bank statements and realized they had started charging me {$80.00} a month starting in XX/XX/XXXX without sending any sort of bill. 2 months after XXXX bought out my contract. I called XXXX Customer service to figure out what the issue was. The gentlemen on the phone told me that he could see that I had switched services but was still showing I was being billed. He submitted a refund request for me and closed everything completely. Then in XX/XX/XXXX, my mom received a letter from XXXX at her house halfway across the country as I live in CA and she is in MO. it was a bill saying I was past due {$170.00} and it was going to collections. I called XXXX customer service again to figure out why they are still billing me. The women told me that my account was closed and it was an early cancelation fee. she also informed me that my refund request for the 6 months of being charged {$80.00} was denied because they informed me that they were billing it in my email. which I went back and looked I did not receive one invoice from XXXX the only emails received were wanting me to come back to XXXX. I asked for the {$170.00} to be waived because they had stolen money straight from my account while I had no services opened with the company during the time. and XXXX bought out my contract to include all fees. This request was also declined. I tried explaining the situation to the debt collectors. XXXX messed up on closing my account when I switched to XXXX, they refuse to reimburse me and the debt has hit my credit report 3 times. No one has been willing to work with me on resolving the situation. I don't understand how the same debt can continue to knock my credit score for something that was XXXX mistake and they refuse to take responsibility.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I have an issue with my bank again. This time will be the last because Im going to close bank account with Bank of America. I again have been charged overdraft fee of {$35.00} for scheduled payment of {$27.00} to my XXXX credit card. The payment was scheduled for XX/XX/XXXX ( when I had plenty of money on my account to cover this payment ) and they withdrew overdraft fee today XX/XX/XXXX. In the past Bank of America could charge me overdraft fee because on the day of scheduled payment I didnt have enough money to make scheduled payment even if I deposit money next day after scheduled payment and the payment would be withdrawn the day when I have enough money Bank of America still was charging me fee. So the explanation they had is that they dont care the day you scheduled you had not enough funds so doesnt matter that you deposited after and the day payment if withdrawn there was funds enough to cover payment. That was their principle. Now theyre trying to go opposite and convince me that doesnt matter that I had enough funds when I scheduled payment. Once my balance became negative ( yesterday ), negative few cents, not even one dollar, thats the moment they cought to charge me overdraft fee of {$35.00} that is bigger that a payment of {$27.00}. Its ridiculous. Of course I called and tried to solve it but respond is very tough and not helpful in any way. They are trained very well not to help with overdraft fee. I absolutely sure that this time Im changing my bank. They charge me {$25.00} every month for maintenance if I dont have XXXX but there are other banks that dont require this much to maintain my account with no fee charge so its already enough for me to be not very happy. But with this overdraft fee with and without good reasons Im more than fed up
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Cares Act and the Heroes Act, XXXX XXXX ( Account # XXXX ) has violated my rights, XXXX  XXXX reported 4 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Consumer complaint received 2023-07-05
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

After checking credit profiles connected to me, I have learned that XXXX XXXX company are the cause of many adverse reactions and retaliations placed upon me. I have never given XXXX XXXX permission to furnish personal information and inaccurate information. 

XXXX XXXX has no permissible purpose to furnish this account. I would never volunteer for my any personal information be placed in the public eye let alone my personal information be shared and sold for profit by affiliate sharing. This is a violation of Fair Credit Reporting Act & Fair Debt Collection Practice act. 

Violation : 12 CFR 1016.10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSON INFORMATION TO NON AFFILIATED THIRD PARTIES. 

XXXX XXXX this is your notice to Cease & Desist all communications regarding this matter until all record of documentation on record of books of accounting, validation, method of validation, wet signature of contract, all is provided to me. Please send everything by U.S mail. 

XXXX XXXX did not provide me with proper disclosure to opt-out of credit reporting as the option to opt-in. I was not giving full disclosure so any decision made I was uninformed and things was not clear. Per : VIOLATION ; 12 CFR 1016.7 FORM OF OPT OUT NOTICE TO CONSUMERS : OPT OUT METHODS. 

Please by me understanding my consumer laws and rights the creditor XXXX XXXX, Equifax, XXXX, & XXXX has violated the following : According to 15 USC 1681 section 602 ( a ), I have the right to privacy. Furthermore, as outlined in 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing an account without my written instructions. Additionally, as per 15 USC 1681 ( c ) ( a ) ( 5 ) sections, consumer reporting agencies are restricted from including certain adverse items of information in consumer reports, except for records of conviction of crimes dating back more than seven years. Lastly, under 15 USC 1681 ( s ) ( 2 ) ( a ) ( 1 ), it is stated that individuals are prohibited from providing inaccurate information relating to a consumer to any consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. 

I am exercising my rights under 15 U.S CODE 1692k - Civil liability that each mention violation not exceeding {$1000.00} : or in case of class action...
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

I had a mortgage serviced by Shellpoint mortgage. I refinanced my mortgage through another mortgage company and paid off my existing mortgage with Shellpoint. 

The payoff details they provided me with is confusing and appears to be inaccurate. I've contacted them several times to connect with my closing officer to review the transaction history associated with the payoff of the loan. I provided them with all the necessary written authorizations for them to speak with my closing officer. He has since called them 2 times and I have now emailed them 4 times with NO response. It appears they owe me another $ XXXX and they will not respond. 

They are making it impossible for me to get a clear understanding of the payoff and the remaining balance they owe me and WILL NOT RESPOND to get this cleared up. 

I'm happy to provide you with the payoff payment history so that you can see how confusing it is. My closing officer IS ALSO confused by the payoff history. 

XXXX
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated, which XXXX reports negatively that I owe this company. There is no contract. This debt is not mine.
Consumer complaint received 2022-08-28
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. (TX)

TRANSUNION credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of not responding TRANSUNION has said that these debts which are FRAUDULENT have been verified as accurate. TRANSUNION has violated my privacy rights TRANSUNION DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant TRANSUNION permission to add these items to credit file. TRANSUNION has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX  XXXX is currently reporting the account thats reporting to my credit report in violation. On XX/XX/XXXX I notified the credit bureau 's that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( Equifax ). I then directly contacted the furnisher on XX/XX/XXXX to let them know about the inaccurate date of last activity which they did not delete or correct the information. On XX/XX/XXXX I then notified the credit bureau 's that the date of last payment is reporting inaccurately it ' reporting : XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( Equifax ). I also notified the furnisher directly on XX/XX/XXXX of the inaccuracy that remains on my report inaccurately reporting. I also filed a XXXX  complaint on XX/XX/XXXX which still remains unanswered. Last but not least the account is reporting conflicting activity after the account has closed how can I be paid on time and charged off at the same time? Clearly this account is reporting inaccurately.
Consumer complaint received 2024-03-06
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 2019-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX charged an application fee but I was not admitted due to an error on an XXXX Enrollment Specialist making an error. I had to wait until the following semester to start school so I disputed this charge until or unless XXXX refunded me for the application fee. They took awhile so I filed a dispute with Capital One. Then a few days later XXXX settled the issue and paid me back in full. Now Capital One is refusing to release the provisional funds back to card until the Merchant responds to some letter. The merchant has responded. They paid me back. I need this case closed and the dispute cancelled. I'm being held up for admittance for the next semester now due to this. This dispute is over. XXXX fulfilled their duties. Cancel the dispute immediately.
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Hello, I opened a new Citi bank ( Citigroup Inc. ) checking account # XXXX for {$300.00} new checking bonus as I'm eligible per fine prints on XX/XX/2022 and deposited new money {$15000.00} on XX/XX/2022 as screenshot attached. 

On XX/XX/2022, I did receive a welcome email for {$300.00} bonus offer from Citi bank ( Citigroup Inc. ) as screenshot attached because I had followed all the steps to qualify the bonus condition. 

I had kept required minimum balance over {$15000.00} over 60 days per bonus condition until XX/XX/2022 from XX/XX/2022. 

But until today XX/XX/2022 I have not received my bonus {$300.00} yet, which must be deposited to my checking account already per fine prints.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AR)

Credit Management LP- Amount {$230.00}, labeled under cable or cellular. I have know clue as to what this is and would like to have it removed from my credit report. It is showing first delinquency date back in XXXX and last reported XXXX/XXXX/XXXX.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on XXXX  Formerly XXXX The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank your
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$940.00} XXXX XXXX  XXXX Balance : {$720.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$85.00}
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Opportunity Financial, LLC (IL)

I have the same collections but submitted on different times why is it showing up twice on my credit report and closed account. I have disputed it but its not being removed if the company has sold my debt it is no longer mine. XXXX XXXX  is on my credit report 3 times and XXXX XXXX is closed and opportunity financial is on here 3 times for one loan.