davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to a consumer 's dispute within 30 days. If the review isn't completed, the agency is obligated to remove the disputed error. 
As of XX/XX/2021, Experian has failed to respond in my certified request letter asking to validate the accuracy of their investigation regarding the following accounts ; XXXX XXXX. Account ending in XXXX, XXXX XXXX Account ending in XXXX, XXXX. Account ending in XXXX.
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

My issue involves an unjust ruling by PayPal in a payment dispute that favored a claim by a buyer that he did not receive the goods he paid for, where in fact that he actually did. I have filed my complaint both online in the PayPal Resolution Center and by speaking with two separate customer service agents. I have also taken the matter up by email with two PayPal customer executives : XXXX XXXX, VP of Global Customer Service, and XXXX XXXX, Senior VP of Global Customer Service. I have not heard back from anyone about my complaint. The dispute is PayPal case ID number : XXXX XXXX 
The matter concerns a payment transaction through PayPal by the buyer on XX/XX/XXXX for {$300.00}. This was an in-person sale where the buyer had my home address and cell number in order to pick up my merchandise. It was some 10 months later on XX/XX/XXXX that the buyer filed a claim against me and that I was notified by PayPal that the buyer filed a claim of not receiving his goods. According to PayPal rules, a buyer has up to 180 days after a purchase to file a claim for not receiving goods. Why would a buyer wait 10 months to file a complaint, especially when he had both my home address and cell number. And why would PayPal go along with this unjust ruling in favor of the buyer? Upon my notification of this dispute, I personally called the buyer on his cell phone to find out why he filed the dispute, and was told that upon reviewing his expenses for XXXX, he came across a {$300.00} payment that he couldn't account for. I reminded him of the goods I sold him and he told me he failed at the time of the purchase to notate what it was for. I urged him to contact PayPal and tell them it was a big mistake. After I made several follow up attempts with him, by phone and email, he would not reply. At that point I realized that I was scammed by the buyer. Lastly, please note that I have provided PayPal with hard copy evidence showing cell phone screen shots of texts with the buyer indicating when was coming to my house on a specific date and time to pick up his merchandise. And to make matters worse, I have just received a collection notice from PayPal 's collection agency, XXXX XXXX to make restitution for the {$300.00} ( plus a {$15.00} fee imposed by PayPal, which could now impact on my personal credit rating. PLEASE HELP ME TO RIGHT A WRONG MADE BY BOTH A BUYER SCAM ARTIST AND PAYPAL. I have been a long-time buyer using PayPal for many years and have come to trust their services. Now this one time when I am selling personal goods and accepting PayPal payment from buyer, I get stiffed.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I rented a care through a third party ( price line ) for XXXX XXXX  XXXX  I returned the vehicle two days late and the car company over charged me {$1000.00} for the two days. I disputed the transaction. and bank of America allowed it. I provided rental agreements and receipt
Consumer complaint received 2017-06-20
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: EQUIFAX, INC. (GA)

I previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.
Consumer complaint received 2017-06-20
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. (GA)

I previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OR)

Citicard offers a program called "  PRICE REWIND  ''. They advertise - you buy, we track, you save..   See their website :   XXXX   XXXX   XXXX   As it is mentioned they ( citicards ) tracks the prices, however, the majority of my purchase price adjustments are rejected under the heading.     " Proof of lower price found '' - so they track but I have to provide proof of lower prices of the items???     How come they advertise " we track '' and then reject my price rewind benefits where I have to proof the lower price advertised.
Consumer complaint received 2017-07-26
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. (CA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

This is  my 3rd attempt at  trying to resolve this matter with FEDLOAN.    FEDLOAN re fuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great   XXXX     XXXX  and  XXXX  trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus state s : " Section 623 ( a ) ( 2 ) of the FCRA addresses the  duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. (  1 ) T hus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ' ' FEDLOANS failure to u pdate the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA S ection 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addr essed.
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc. (IL)

Dept of ED/NELNET {$1100.00} PAID IN FULL Dept of ED/NELNET {$46000.00} PAID IN FULL Dept of ED/NELNET {$27000.00} PAID IN FULL all paid in full I have received paper work but my fico score has not went up from this and should be changed as soon as possible on XXXX, XXXX, AND XXXX XXXX I received letter in mail on XXXX XXXX. This is the law and it is against the law that my credit score has not raised up and a total of {$74000.00} was paid off on my credit report and my credit score should show the rise in my credit. Thank you I will wait until next Thursday XX/XX/year> before contacting a Attorney for further actions. 

THANK YOU IN ADVANCE
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (AL)

My XXXX score has improved considerably but my requests to lower interest rate has never been answered. Poor customer care to not even respond. 

Ive asked to change the checking account for withdrawal many times over the past 2 years. Again, very poor customer care to not even send me an email. Any correspondence is flagrant and disrespectful. I consider this company fraudulent because their tv ads are filled with lies about their customer care.
Consumer complaint received 2022-02-28
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. (AL)

Equifax did not properly investigate the account listed on my credit report. I contacted The XXXX XXXX XXXX to inquiry about an old account that is listed on my credit report. I contacted this company and they did not have any information on this account because the customer service representative named XXXX said it was sold to XXXX ( XXXX XXXX XXXX ) she gave me their phone number which is XXXX. I called this number and it says that this company is permanent close. Equifax is saying that this account is verified and accurate how is this so when the company do not have any information and the company that bought this debt is permanently closed.
Consumer complaint received 2017-06-20
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. (NY)

I have been my sister 's legal guardian for over 5 years. She turned XXXX last week on XXXX XXXX, XXXX. We tried to register her online with SocialSecurity.gov to receive her benefits ( because her mother is deceased, she gets benefits ). When we were asked security questions, we answered none of the above to all of them. She does not own a house, have a mortgage, a car or a credit card. She just turned XXXX and by law you can not obtain any form of credit until you 're XXXX. We received a message stating because she could pass the verification process and we answered the questions incorrectly, we could not register online. We went ahead to try to obtain a credit report via XXXX and the same thing happened. We are not stuck at a stand still. We ca n't obtain a copy of her credit report to dispute what is on there.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX I arrived home from a 45 day rehabilitation retreat where we were not allowed any contact with outside world. Once home I checked my XXXX Bank of America Card Expecting to have {$4000.00} +. When I checked I noticed my account had been drained. I immediately called BofA and was informed I needed to call back on Tuesday the XXXX because the Claims was closed for XXXX XXXX. I shut off access to my card on that call. 

I called the claims department 1st thing Tuesday morning to report my claim. The claim amount was for {$4200.00} of unauthorized charges. 

On XX/XX/XXXX I Received a Provisiona Credit in the amount of {$4200.00}. On XX/XX/XXXX I received mail from the BofA Claims department saying the charges were unauthorized and the provisional credit will stay. 

On XX/XX/XXXX or possibly the XXXX my account was closed without any warning and the {$4200.00} was deducted from my account. 

That same day over XXXX people had the exact same thing happen to them. 

On that same day I received another piece of mail from the Claims department but this time the letter said they had ruled against me. 

I contacted the Claims department immediately and for the next 4 months was given the run around as BofA played the blame game blaming XXXX while XXXX said the issue was with BofA. 

Well we all know now the truth and the truth is BofA was using automatic fraud filters and on the same day everyone whom had am unauthorized claim had their account closed and money deducted. 

I fought this for 6 months and lost everything. Then I got word that BofA was fined XXXX XXXX and ordered to pay back the people ( me ) who were impacted by this atrocity. 

I called in and was informed they reopened my claim on XXXX XXXX. 

Since that date I have called over 25 times. Been put on their TRACKER 10+ TIMES AND HAVE OVER 15 COMPLAINTS FILED through their CSR Every call it's the same XXXX YOUR CLAIM HAS BEEN REOPENED THEY ARE WORKING ON IT. 

I've requested access to their investigation after they ruled against me more than 4 times and never received anything... you know why. ... nothing was investigated ... itbwas an auto decline due to a faulty filter system. 

As of today it's almost been 2 years. 

.. BofA has broken every rule in the banking book when it comes to the handling of claims.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. CREDIT REPORTING AGENCY RECEIVED CORREPSONDENCE FROM CONSUMER REQUESTING FULL DISCLOSURES AND OPT OUT NOTICES, CONSUMERS WET INK SIGNATURE EXPRESSING THEIR CONSENT AS WELL AS COMPENSATION FOR THE VIOLATIONS. EARLY WARNING SERVICES FAILED TO PROVIDE THE REQUESTED INFORMATION XXXX ( a ) .EARLY WARNING SERVCIES IS CONTINUOUSLY VIOLATING THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EARLY WARNING SERVCICES MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO EARLY WARNING SERVCIES TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY FULL OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES ADN PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S FILE ID NUMBER XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANSACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Uplift, Inc (IL)

On XX/XX/XXXX, I applied for a loan with uplift for a loan and received an adverse action letter. I am a natural person, consumer who extended my credit in good faith to obtain a loan through Uplift. I was denied an extension of credit. Can someone look into this for me immediately! Pursuant to 15 usc 1691c 1692k 1691
Consumer complaint received 2017-06-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (KY)

Leased XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX, KY. Loan financed by Chrysler Capital. The motor vehicle tax ( MVT ) and registration fees were of course paid at that time - in XXXX.. In XXXX XXXX Chrysler Capital added the MVT and registration fees to our XXXX car payment. In XX/XX/XXXX we received a bill from the XXXX County clerk that the MVT & reg. fees were due - in XX/XX/XXXX. instead of XXXX. Apparently there is an entity, Santander bank, that pays these charges inXX/XX/XXXX. and then Chrysler Corp. bills us. We received this notice on XXXX XXXX and had to go to the Clerk 's office to pay these fees as Santander had not, and we faxed notice of payment to Santander on that dayXXXX. In speaking with Chrysler Capital, they told me that Santander had paid the fees after we did on XXXX/XXXX/XXXX and that before our acct. was unblemished Chrysler Capital had to receive a refund of their payment. Why they paid the fees after we had faxed them proof that they had been paid is unknown. Nevertheless, if we must continue to renew our registration in XXXX instead of XXXX we will have to pay these fees 4 times on a 3 yr. lease- XXXX XXXX - XXXX XXXX - XXXX XXXX and XXXX XXXX. The lease expires in XXXX XXXX. Two calls a week apart to Chrysler Capital yields apologies but that they are unable to resolve the situation until they receive their refund for XXXX which in my opinion is no fault of ours, as we paid the fees on time and faxed to them the proof of payment. There is no more that we could have done.
Consumer complaint received 2017-06-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX-exhausted my going back to school defermentXX/XX/XXXX-ca n't lower payments because they take my cosigners income in consideration to my income. Wo n't try anything because his income needs to be added into financial hardship. Which wo n't help because two incomes wo n't show that I 'm i ca n't pay that much. We do n't speak anymore and his income is not my income it 's supporting his family and their expenses.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (IL)

I reached out to XXXX to correct information on an account, as they have a responsibility to report information accurately per 15 U.S.C.1681e and required to provide documentation to prove their claim per 15 U.S.C. 1637 ( b ) upon request. I have not received requested documentation. This is a tortuous and negligent act of willful civil non noncompliance per 15 U.S.C.1681n and 15 U.S.C 1681o, to which XXXX will beheld liable without adhering to the F, C, R, A, and violating my consumer rights.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (UT)

I've requested numerous times to freeze my credit report online and by mail. But yet I'm met with stall tactics asking for my ID and social security number putting my personal information at risk. I'm requesting that all these Consumer to Freeze my personal file. I will not keep submitting information and being told nothing came in the mail. Under the provision of 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These follow Consumer reporting agencies refuse to freeze my personal credit file. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America added a {$5000.00} charge into mortgage balance. On XXXX XXXX, Bank of America employees came and cut down the hedges in front of my home. I never asked Bank of America to come out and cut my hedges which decrease the value of my home. The employees were supposed to look at my property as it going through a modification to avoid foreclosure. The statement is from Bank of America yet when I call them, they tell me '' We use vendors including XXXX XXXX and XXXX, XXXX '' I called both XXXX XXXX and XXXX XXXX and they told me that Bank of America is responsible for my loan. Please help