davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

***CFPB - DO NOT CLOSE AS " DUPLICATE '', THIS IS THE SAME BANK BUT A DIFFERENT ACCOUNT***!!! 

On XX/XX/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated " Your Bank of America Credit Card bills have been set up to be delivered to you electronically through Online Banking '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing - again - for paperless without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.
Consumer complaint received 2024-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPTUM BANK, INC. (MN)

In XXXX of XXXX, a rollover of {$500.00} was made from my XXXX XXXX account to my XXXX XXXX  account. This was a completely legitimate and authorized rollover as confirmed by my employer and the terms of my employment with the XXXX XXXX Wisconsin. The rollover was approved and recorded on my XXXX account balance. There was and is no reason for denying this rollover. Now, over three years later, Optum Financial claims the rollover was NOT legitimate and that claims they originally incorrectly denied in the amount of {$480.00} for other reasons, are now denied on the basis of an unapproved rollover. There is no evidence, rule or reason to reverse this rollover and I respectfully request that my account be restored with a balance of zero.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit.
The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries.
If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (TX)

Hi I applied for a credit card with unionbank and it was on hold and I called in and I verify information with the credit card underwriting rep and it was declined due to not verify information but yet I received a call from union bank and I had a active fraud alert and I Verify my information with the rep and today I received a letter saying my application was declined because I didnt verify information and I called unionbank today on XX/XX/XXXX and the lending rep was rude to me and told me I didnt answer the questions right and I explain to him there is no questions was answer to me at all ... and I would like this application XXXX to be reopen by a supervisor
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

In XX/XX/XXXX I became aware that a fraudulent PayPal account had been conducting transactions using my identity. The account was referred to collections because one or more transactions had been reversed resulting in a negative balance. I was unaware of this account until contacted by the collections agency, ACI. I disputed the debt with the collections agency and contacted PayPal to inform them of the fraud. Through an official CFPB complaint # XXXX, I was led to believe that this matter had been resolved. PayPal made an official determination that the account was fraudulent and I was told that I was not responsible for the debt, measures would be taken to ensure that no future unauthorized accountswould be opened using my identity, and would not be liable for any tax burdens resulting from the transactions on the account. Please see the attached letters and correspondencefrom PayPal to me. 

On XX/XX/XXXX, I received a 1099-K from PayPal for the fraudulent account. This 1099-K was issued in error and disregard for the statement made by PayPal during the earlier correspondence. PayPal is negligent in their handling of fraud and identity theft cases. I should not be liable for accounts and transactions that I did not conduct or authorize. I should not have to keep coming back to PayPal to clean up a problem that is entirely their fault and due to their negligence verifying user identities. If PayPal practiced industry standards for know your customer and fraud case management this would not have occurred.

I have attempted to contact PayPal through the XXXX email alias that was used to resolve my previous CFPB complaint. Even thought I put the CFPB case number in the subject line, no one has responded to me. PayPal 's automated system is not responsive and does not know how to easily connect me with a solution on this matter. I have contacted PayPal via telephone to request a revised 1099-K but was told that I could not request a correction until after XX/XX/XXXX. I explained that this 1099-K was due to fraud and I do not have control over the account associated with this 1099-K to make an official request. Further, the account has been closed as a result of PayPal 's fraud determination. While I have been issued an escalation ticket # XXXX, I was not afforded prompt resolution of a matter that is PayPal 's responsibility. PayPal needs to be held accountable for their negligence.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschenbaum & Phillips P.C (NJ)

On XX/XX/2023 ; I received an US post mail send to my mailbox addressed to a person named " XXXX XXXX XXXX ''. This letter stated this person owed {$16000.00} to XXXX XXXX, XXXX and Kirschenbaum, Phillips , & Levy P.C. 
Attorneys at Law XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Reference : XXXX Trying to collect this debt. They did not providing proper validation of the debt at all. However, when I replied the letter stated they had sent to wrong person and tell them that my name is XXXX XXXX not XXXX XXXX XXXX. Those are NOT my debt. But after replied back with the letter telling Kirschenbaum , Phillips , & Levy P.C. they should do due diligence find the correct person, they still non-stop sending people on my door, threatening with legal actions. I think they just don't want to admit they have made mistake on wrong identification to avoid violation of the FDCPA. There must have some way to curb their bad business practice. Please help me to slove this ridiculous case and stop this company from intentionly using deceptive means to attempt to collect a debt. 


Sincerely yours, XXXX XXXX
Consumer complaint received 2018-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have never been given appointments or scheduled calls with XXXX. I have had a person named XXXX follow up and leave me a random VM along with a collection department. I have made payments and have never been given disclosure that the keepyourhome california program expired and stop taking applications until XX/XX/2018. Shortly therafter bof a waited until the expiration to file this. This is not good faith or the ability to assist or help show options. I was then referred to the bofa special dept because my loan is being serviced by a special dept. I would like communication or will be forced to hire a debt defense litigator
Consumer complaint received 2022-05-05
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. (TX)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (TX)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

Filed against : XXXX XXXX Complaint Description : Mystery account for SYNCB/WALMART DC appears on my credit report. I have never sought credit from SYNCB NOR WALMART. FROM XXXX - " .. Company Name : SYNCB/WALMART DC Company Address/Phone : XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Last Activity : N/A Type : Revolving or Option Rate/Status : Pays account as agreed High Credit : {$3600.00} Terms : N/A Balance : {$14.00} Past Due : {$0.00} Most Recent Date Reported :XX/XX/XXXX Comments on Account : Credit card, Amount in H/C column is credit limit .. " DISCOVERED THIS ON MY CREDIT REPORT. I HAVE NEVER SOUGHT CREDIT FROM SYNCB NOR WALMART. SENT THE FOLOWING LETTER ON XX/XX/XXXX- " .. To whom it may concern : OnXX/XX/XXXX, I began credit monitoring under XXXX . After which time I have noticed a credit account on my report that I have no knowledge of. This account is ... Syncb/Walmart DC I have disputed this account with XXXX. Your response to their investigation was to report that this account belongs to me. It does not. I have never applied for credit with Walmart, GE Capital Retail Bank, nor XXXX XXXX I am contacting you to request written proof regarding this account, including the original agreement. I make this request, pursuant to Section 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ). I attempted to pursue this by phone, ( ( XXXX ) XXXX, ( XXXX ) XXXX ), but after 3 transfers, your agent hung up on me. I am sending this via tracked mail.
Your Desired Resolution : written proof regarding this account, including the original agreement.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (TX)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-05-05
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Recovery Services Inc. (PA)

XXXX XXXX XXXX ... Continuing to phone calls even after point of contact has been made. Requested to receive information in writing. I receive roughly 3-4 phone calls per day! Repeatedly asked not to be contacted, told them they were harassing me. They were rude and deceiving. They call and when you answer the line disconnects ; forcing you to return not a call to see whom it was. Asked not to be on a recorded line. They are contacting in regards to a debt that is past the statue of limitations. I am requesting for them to leave me alone. Either send the information in writing and allow me to contact them. They refused, as well as continuously hanging up on me without resolve.
Consumer complaint received 2022-05-05
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. (TX)

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account XXXX XXXXXXXX XXXX removed from my credit report. XXXX, XXXX and Equifax all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX and Equifax rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act

15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This clearly violates my federally protected consumer rights
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account XXXX  XXXX XXXX removed from my credit report. XXXX, TransUnion and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by TransUnion and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However Transunion and XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that Transunion made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party.

I did not give written permission to have the accounts added to my credit report.

I have also attached a recent copy of my FICO report to support and show inaccuracies.

This clearly violates my federally protected consumer rights
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-26
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)

there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2022-03-15
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. (AL)

I filed a complaint a few weeks ago and the companies are responding to me stalling and not understanding what my letters are stating. I will attach all letters that were sent to me and the returned letters from the credit companies. I need to have this false information off of my profile.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

US Bank Customer Service is horrible leaving me feeling unsafe to keep any funds in my account. If this does not go well I will take legal action against the bank for the lack of consumer protection and damages that went along with it. 

I purchased a product for my business around XX/XX/XXXX for roughly {$2200.00}. The supplier for my {$2200.00} product canceled the XXXX tracking number and the delivery was excessively late so I called US bank for a refund/provisional credit. They provided the credit but never mailed me the documents to fill OUT ANY PROVISIONAL CREDIT information, which US Bank reverses if not filled out. First lack of consumer protection. 

The supplier used a cheaper delivery service that does not have any tracking numbers and the product later showed up. Now I have the provisional credit and product. 

I call US bank to notify them of this immediately and to reverse the funds to the supplier. The banker tells me this can not be done and the case is closed. The banker even tells me to just keep the money. At this point, I am under the impression based on what I WAS TOLD BY MY BANK THAT THE CASE WAS SETTLED. 

I call my product supplier to tell them that my bank can not fix the issue and the matter is resolved. So to pay the supplier we create another order based on the information I had from US Bank. 

US Bank later reverses the first transaction and I call to ask why? Customer service does not tell me its because the provisional credit paperwork hasnt been filled out but because it wasnt decided in my favor and they can not assist me and I am out of luck. So now Im paying $ XXXXdouble for 1 order! 

I demand for 1.5 hours on the phone provisional credit on the second order and to date have yet to receive provisional credit documentation for either. During this time I finally find out that the only reason the first order was reversed is because I didnt receive the provisional credit work to fill out! So all this confusion with customer service caused 2 provisional credits and an additional order that was unnecessary for an ongoing complaint for a month. As a business I have not been able to deposit any money for a month due to feeling UNSAFE. 

If this second provisional credit gets reversed. My bank account will go {$2200.00} in the red and the supplier will get paid $ XXXX for one order and I will be expected to deposit another {$2200.00} to my account so its not in the red. So I will have paid {$6600.00} for {$2200.00} order because US Bank customer is a fraudish nightmare of a company to bank with. I request calls from US bank and they DONT CALL ME. 

In closing, i want to speak to someone high up at US Bank and file a complaint against every customer service person Ive spoke to except 1 person. Every single one has failed to give me any relevant information that wouldve prevent all of this and I am done with US Bank after this. And again will take legal action as well if needed.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.