davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MN)

I've been using Paypal for over 10 years without issue. The account had sat dormant as there has been little business since COVID. When a client sent me a deposit I found the money was not accessible. The message I had was that I had to wait 21 days, which I did. I then tried to access the funds again, again with no luck, This time I contacted Paypal who indicted that they needed business information less than 6 months old. The only thing I have, since my XXXX expired, was my tax forms, which I sent along with my scheduled C. That didn't get the money released so I went to refund the client the money, who was on board with just mailing me a check. I attempted a refund, but Paypal attempted to take the entire XXXX out of my banking account rather than the XXXX plus in transaction fees. I then blocked Paypals access to my account. I again, contacted Paypal. The lady who called me back indicated that she had returned the fees associated with the transaction so I could refund the money once the original attempt was rejected. I got that notification today and attempted the refund, which again was rejected. I contacted Paypal yet again and received a call stating that because I didn't have a bank account attached. In other words they are using circular tactics to maintain control of my money for the next 6 months when they tell me it would be released .... I don't really even trust that at this point. All without paying me any interest for the money. This also effects that way that the clients may view me, potentially costing me business. I simply want to return the money to my clients so they can provide me a check for their deposit but they are refusing. Paypal prevents screen shots so I am unable to provide a copy of the months long conversation. I also just noticed that they have erased the fee reimbursement in the activity log but still shows in my total " available '' funds.
Consumer complaint received 2019-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

American Adjustment Bureau showed up on my report. I was puzzled when I saw that it was from XXXX  XXXX Hospital as I have no children and have no knowledge of owing a children  hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

on the XX/XX/XXXX I was double-billed by XXXX XXXX and the Bank of America paid 2 identical payments of XXXX. The bank refuses to return the money. I called the branch and was told they couldn't do anything, I called customer service, what a joke, they said go to the branch. All of this XXXX XXXX nonsense over an obvious double bill. Who pays 2 identical payments to a vendor on the same day? No one. Their online dispute form isn't available and may or may not be in 24 hours. This bank is a dreadful grift on the American people and needs to be broken up in a thousand pieces. I want to close the account but you can see the difficulty when they're talking 45 days to resolve a minor dispute. They are really mind boggling incompetent. They might be big but they're not very good, pathetic in fact. Can't even do sums. XXXX XXXX
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake, when they said the payment had been returned. I asked why I was not notified and they said the system doesnt notify because they assume you have the funds. I said that is terrible customer service what can we due to fix this. They said nothing, which brings me here.
Consumer complaint received 2020-02-25
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: World Acceptance Corporation (GA)

There were two accounts that appeared on my XXXX credit report from World Finance Co. with account # XXXX & XXXX that I have no knowledge about. I sent a certified letter to World Finance Co. to  validate the debt in fact belongs to me on XX/XX/2020 and asked them to provide the following documentation : " An explanation of what this alleged account balance is for ; A calculation of this balance, including the complete payment history on this account, so I have proof the amount is correct ; Documentation showing I agreed to pay this debt ; Provide the agreement that grants them the authority to collect on this alleged debt ; and A copy of their State license ; including license number '' and their response on XX/XX/2020 stated they searched their records with my name and address and were unable to identify the account or account holder. 

I mailed a certified letter to XXXX  on XX/XX/2020 & XX/XX/2020 advising the creditor failed to validate the debt and under the FAIR DEBT COLLECTION PROTECTION ACT this debt should be removed from my report or provide validation documents confirming this debt belongs to me. I also received an updated dispute response from XXXX dated XX/XX/2020 stating they verified the debt belongs to me ; but no documentation provided again to show proof the debt in fact belongs to me as stated in paragraph above. If the companies can not provide proof of validation of these two debts then the accounts need to be removed from my XXXX  credit file confirmation # XXXX.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I lost my job a few months ago I started to get unemployment so I call the mortgage company to let them know the situation and that at this moment only income that I have coming in is my unemployment to see if they will work with me but that did not happen so because of that I fallen more behind on my mortgage now it's been 7 months since I mad a payment on my mortgage I called the company every chance that I got to see can I work out something and they refuse all they talk about is me paying all the seven months and all the fees that call mes with it over {$7000.00} money that I don't have at one point they put me on a payment plan that I could not afford because only thing I was getting what's the {$510.00} from unemployment they had me on a repayment plan off almost {$1300.00} a month something that I could not afford and now I am pending foreclosure now I am working full-time 40 hours a week and they still refuse to assist me no matter what I do no matter how much documents I show them about the job they just want to foreclose on my home to a point now that I am going to file for bankruptcy to keep my home. They receive all this bailout money and still refuse to help homeowners that is struggling to keep their home and make their monthly payment
Consumer complaint received 2020-02-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched Fraud Claim letter dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX. ( Explains TEMP CREDITS ARE MADE PERMANET WHEN INVESTIGATION OVER. ) {$470.00}. ( **Please confirm PERMANET CREDIT APPLIED effecting my bal. ) Please explain HOW PERMANET CREDITS APPEAR ON STATEMENTS so I can find All these Credits. See attatched statement XX/XX/XXXX There are TEMP CREDITS to begin fraud investigations TOTAL TEMP ADJUSTMENT PURCHASES CREDITS are {$320.00} PLEASE CONFIRM THESE HAVE BEEN MADE PERMANET. The investigation MUST BE OVER BY NOW. see attatched Statement XX/XX/XXXX TEMP ADJUSTMENT PURCHASES CREDITS PLACED TO BEGIN FRAUD INVESTIGATIONS They TOTAL {$1.00}, XXXX TOTAL TEMP CREDITS THAT ** NEED TO BE MADE PERMANET. Investigation MUST BE OVER BY NOW. TOGETHER THERE ARE {$1.00}, XXXX TEMPS NEEDING MADE PERM XX/XX/XXXX XX/XX/XXXX and XXXX {$470.00} NEED PERMANET CREDITS APPLIED FOR ALL THESE TEMP CREDITS TO BEGIN INVESTIGATION
Consumer complaint received 2016-01-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

I got a loan with Drive Time in XX/XX/XXXX till XX/XX/XXXX, was charges 25 % rate, I was never late or missed a payment. XX/XX/XXXX I discovered my payments history was not reported to any of the credit agencies. Drive Time claimed it was a mistake and they would fix it. Mean time they gave me a letter showing my perfect payment history. XX/XX/XXXX I found out Drive time still did not report my history , Drive time tells they are not going to report it because I had filed Ch XXXX prior to getting the loan. This makes no sense, since the only reason I got the loan and paid 25 % is to build my credit. Please help
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Was contacted by XXXX XXXX  XXXX constantly. I told them not to call but they continued. I asked for proof of the debt and they have not responded to that request. They sent someone with documents indicating they were going to sue me.And this person came to my door and tried to force his way in my home, I blocked him took the papers and then went out and took a picture of his licence plate and reported him to the police.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XX/XX/XXXX-present Fifth third bank continues to have unusable online banking. There are complaints all over their social medias from hundreds of people with the same issue for the same amount of time. Not only is the online banking not working, the company refuses to communivate with their customers or give updates. At most they have a random person give generic answers to a few comments and thats it. When you call their customer service line they either do not pick up to talk to you, or you waste an hour of your time to talk to someone who has no idea whats going on, or has no way to give a status update. This is unacceptable, these incidents are not far and few inbetween. 
If one only reads the horror stories on fifth third banks social media accounts and reviews that were given, the reader would surely just think this bank is filled with crooks. It was only a few months ago that fifth third bank went down entirely and no one could access their funds, with no communication from the bank, other than a few responses to comments on their XXXX, nor could anyone get any kind of answers. Something needs to be done about this company immediately.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TN)

I settled this account on XX/XX/2020 for {$200.00}. I received a letter stating that my balance is now {$0.00} from the corporate office as requested on XX/XX/XXXX, and that they would inform XXXX, XXXX  and XXXX  within thirty ( 30 ). As of today, they are still incorrectly reporting a balance of {$210.00} on my XXXX  and XXXX  credit report. I have contacted the corporate office asking that they report the account with a XXXX  balance, but to no avail.
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A. (MN)

Was contacted by Meseri and Kramer constantly. I told them not to call but they continued. I asked for proof of the debt and they have not responded to that request. They sent someone with documents indicating they were going to sue me.And this person came to my door and tried to force his way in my home, I blocked him took the papers and then went out and took a picture of his licence plate and reported him to the police.
Consumer complaint received 2020-02-25
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: EQUIFAX, INC. (GA)

There were two accounts that appeared on my Equifax credit report from XXXX XXXX XXXX. with account # XXXX & XXXX that I have no knowledge about. I sent a certified letter to XXXX XXXX XXXX. to validate the debt in fact belongs to me on XX/XX/2020 and asked them to provide the following documentation : " An explanation of what this alleged account balance is for ; A calculation of this balance, including the complete payment history on this account, so I have proof the amount is correct ; Documentation showing I agreed to pay this debt ; Provide the agreement that grants them the authority to collect on this alleged debt ; and A copy of their State license ; including license number '' and their response on XX/XX/2020 stated they searched their records with my name and address and were unable to identify the account or account holder. 

I mailed a certified letter to Equifax on XX/XX/2020 & XX/XX/2020 advising the creditor failed to validate the debt and under the FAIR DEBT COLLECTION PROTECTION ACT this debt should be removed from my report or provide validation documents confirming this debt belongs to me. I also received an updated dispute response from Equifax dated XX/XX/2020 stating they verified the debt belongs to me ; but no documentation provided again to show proof the debt in fact belongs to me as stated in paragraph above. If the companies can not provide proof of validation of these two debts then the accounts need to be removed from my Equifax credit file confirmation # XXXX.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

I have already come to you the reporting of information that was identified as identity theft and they promised to get this information off my credit report and if you look it is still reporting on all three credit report and giving me negative hard inquiry and messing up my credit to get a house and I want it removed asap
Consumer complaint received 2020-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Submitted a dispute with Transunion on XX/XX/2020 and dispute was to be completed by XX/XX/XXXX. Received an e-mail that there was a error and I need to re-dispute on XX/XX/2020. The dispute is that I paid XXXX XXXX off and I received a letter stating this .My report is supposed to read XXXX balance account closed paid/settled. Transunion is reporting account is still open and reporting an incorrect balance. They also lowered my score for disputing this. Trans union is refusing to look into this as if they are angry that I paid the account off. To ask me to file a dispuste again has reset the date to XX/XX/2020. If they would have done the first dispute the end time would have been XX/XX/XXXX. The other two bureaus XXXX  and XXXX are reporting correctly why aren't they. I feel they should finish this investigation by the original date. Which is XX/XX/2020. I know they make money this way but please report correctly. Original amount XXXX paid to XXXX amount and closed and settled on XX/XX/2020. Originally Disputed XX/XX/2020. Thanks
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (WA)

Credit Alert of Hard Pull on my Credit Report that negatively affected my score. Accessed by SYNCB/TJX CO without my permission. Contacted XXXX to file a report. Called TJMax ( TJX CO ) about the issue but they were unable to be of any service. The only reason TJMax would be doing a hard pull on my Credit, is if someone was fraudulently applying for a TJMax Mastercard in my name.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have always made my payments on time. For some reason. I have a loan with XXXX XXXX XXXX.I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. 
, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXX Date Opened XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2019-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA ()

Hi, My account has been locked for over a year. I have written several emails, postal lettrs requesting access to my account- but all in vain. 
I am in a different country ( XXXX ) ; and I called in on the helpline- the automated server acknowledged that they knew I was having trouble accessing my account, byt kept me on hold for over 15 mins, but no rep came on the line. 
This lock has prevented me from accessing my loans, dented my credit score negatively and caused me great emotional stress as my loan amount keeps increasing and I keep getting payment reminders. 
I have email proofs that I have been trying to access my account since the past year.
Consumer complaint received 2023-03-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (TX)

Please be advised I requested validation of said stated debts from listed debt collector ( s ). I received a response that clearly violates my HIPPA rights. The collectors did not provide me with a HIPPA release that releases my medical information to them, therefore by providing such information these companies this company is in violation of my HIPPA rights. Documents were received in response to a dispute asking for validation in which the listed company have not provided me the services, charges, and cost WITH a signed HIPPA release. 
- On XX/XX/2021 I received a letter in an attempt to validate a best from company Credit service company , INC for an alleged debt amount of XXXX . XXXX XXXX XXXX XXXX  XXXX, CO XXXX
Consumer complaint received 2022-07-24
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)

XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX Account XXXX has 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 a account without my written instructions