davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (PA)

I used my Paypal account to buy an item from XXXX. The product did not show up until 6 weeks later and was faulty. I went to Paypal seeking a refund from the Vendor and was denied because it was over thirty days in billing. I 'm out of {$12.00} and most likely so are thousands of other people.
Consumer complaint received 2023-03-30
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FISERV INC. (SC)

My account was held for funding for 4 transaction from FISERV merchant services and I am being promised all will be good to go in 24 to 48 hours sense XX/XX/2024 with no resolve no communication and they are charging me fees for my money they will not release to me they have asked for bank statements invoices that I sent to them via email and had me answer a questionnaire, they keep making appointments and then miss them causing me to loose time at work and so. Please help me
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (CO)

On XX/XX/XXXX at exactly XXXX, I received a call from a company called XXXX, XXXX XXXX. Called was not answered so there was a voicemail left was from an unknown number and the number I obtained to contact the the XXXX XXXX XXXX back was XXXX. They referenced a case number of XXXX. The voicemail stated that there was a civil complaint that had been filed against me. I contacted the phone number left for me to call back at XXXX. I gave the case number and was transfered to an XXXX XXXX who notified me the complaint was from US Bank for a debt that I owed. 

US Bank was just sued in XX/XX/XXXX for improper posting of debit card transactions before deposits causing customers accounts to be overdrawn and a series of overdraft charges to be charge to consumer accounts. Which is how I came to have a debt US bank. With the XXXX Law suit US bank now has a settlement of XXXX for people in most states and based on the year that you had an account with them.. My account with US bank was through from XX/XX/XXXX-XX/XX/XXXX and for the state of colorado concerning the settlement I am elgible to be paid back for for the debt was supposedly owed by me. 

This company XXXX XXXX XXXX verified all my information which they more than likely received from public or social as they are a predatory collection company and they have complaints and are all over the internet as scammer. I did not give them infomation. They stated they would file a lien against my XXXX ford Taurus and try to sell the vehicle and was they were not able to recover from the sale of the vehicle they would then garnish my wages. I live in the state of Colorado and the statue of limitations is 6 years for debt. This group I believe is hoping to serve me with papers and hope that I do not show up so I an get a default judgement against me and then try to garnish my wages. But knowing what I know and what they do n't i am willing to got to court as i advised them
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ZIONS BANCORPORATION (CO)

XXXX XXXX XXXX XXXX XXXX in XXXX of 2021. Wife XXXX XXXX XXXX was co-owner of the account but inactive. The account had {$3500.00} and it was reduced to a small balance but we were unaware that monthly fees would be charged as the balance was reduced below a certain level. As the account was inactive and we were conducting no business with XXXX XXXX  we were unaware that they first took the entire balance in fees then created a negative balance, and continued to add additional fees, charge interest and report delinquency. As we became aware through a telephone call from their collection department we did pay off the balance but desire the negative reporting removed or amended to indicate their billing and activity caused the concern, not actions on our part. In a perfect world they would refund the {$80.00} original balance as well as {$55.00} in additional fees and interest that we have paid to satisfy and close the account.
Consumer complaint received 2022-09-05
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. (DE)

I would like to state that Experian is in violation of 15 - USC- 1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the cnsumer. 
I the consumer never gave Experian any written consent to report anything on my consumer report. I told them to remove these inaccuracies off my consumer report. They are hurting my consumer report keeping me from extending my credit. if not removed i will not extend my credit to anyone or allow Experian to furnish a report for me. 
Persuit to 15 - USC - 1681 ( A ) 1 states that the banking system is dependent upon fair and accurate consumer reporting.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i started a secure credit card with {$400.00} with capitol one. after a {$49.00} fee i had {$350.00} of credit. now when i started the card it stated i could increase the amount by adding more to the account. today i recieved a letter saying after XXXX/XXXX/16 i could no longer increase the amount by deposit. this was not the contract i entered into. i contacted cap. XXXX to tell them this fact, we were disconnected. they did say i could increase it until XX/XX/2016. when i informed them that legally this was not able to be done only new accounts i was cut off.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A credit card was opened in my name without my knowledge. I did not find out until I financed a car. I then placed a set Report with the state police also contacted Bank of America several times filled out forms they sent me still on my credit report
Consumer complaint received 2024-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I don't recall having a contractual relationship with this collection company I C SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2015-09-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

XXXX things are happening at TD Bank : First, they offer overdraft protection on checking accounts. They deliberately process transactions in an order that results in the highest fee. For example, if there is {$30.00} in a checking account, and a transaction for {$20.00} and XXXX for {$35.00} is put through. Regardless of which gets there first, they process the higher amount first and then the lower amount, creating XXXX overdraft fees. Also, they do not post overdraft fees at the time it occurs, but rather post it days later. So your online balance shows positive, but days later several overdraft fees are posted! And what you saw as a positive balance, really was not. I used the overdraft but have never had so many problems keeping my balance on the positive side!! And it 's the excessive number of overdraft fees that are being applied after the fact that is making it impossible. It took me a year to figure out why I was having so many struggles with my checking account. I am looking for a new bank. I realize that what they are doing may not be illegal, but it certainly is unethical. It is usury in disguise!
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

I had contacted XXXX to purchase a firearm and received a confirmation via email & text for my order once funds have been transferred ... and within moments of the transfer I did not receive any further information via text realizing that the website was fraudulent I contacted my bank to stop payment and they said the transfer was too late and already processed I asked to investigate where the payment went considering it was from my direct account to a valid number to no avail
Consumer complaint received 2023-03-30
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pinnacle Credit Services, LLC (SC)

Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection XXXX submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XXXXXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2017-02-20
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (FL)

In XXXX XXXX Borrower obtained XXXX funds in the amount of {$43000.00} from the Florida hardest hit to repay her reverse mortgage arrears. {$39000.00} was applied to the reverse mortgage default and an amount was placed in a set-aside account for future taxes and insurance. In a phone call on XXXX XXXX, XXXX RMS confirmed that {$7000.00} was placed in the set aside. 
Sometime thereafter RMS paid the renewal for Borrower 's insurance policy in the amount of {$3000.00} with funds from the XXXX set-aside. A balance of {$3900.00} was left in the set-aside. In XXXX XXXX Borrower 's property taxes were mailed out by the county property appraiser. On or before XXXX XXXX, XXXX Borrower called RMS and requested that funds from the XXXX set -aside ( {$3900.00} ) be used to pay her property taxes. RMS advised Borrower to submit her request in writing. On XXXX XXXX, XXXX Borrower faxed over the request as instructed and received a fax confirmation that her request was successfully transmitted. On XXXX XXXX, XXXX we called RMS and we were told that the information has not been received and in order for the taxes to be paid Borrower will need to fax another request. The customer service representative " XXXX '' was not helpful and pretty much told Borrower " we did n't receive your request. Too bad. Send another ''. 
Borrower is concerned because if the XXXX funds are not used before a certain date, which is fast approaching, the XXXX set-aside will be applied to her loan balance and will not be used for taxes and insurance as intended. This would be egregious and highly prejudicial to Borrower because she has had to give a mortgage to receive the XXXX funds and if the funds are applied to Borrower 's loan balance, she would not receive the intended benefit of the funds and will likely cause her to fall into default.
Consumer complaint received 2016-04-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cooling & Winter LLC (FL)

Credit card was placed intodebt dispute, during the process of dispute XXXX Law firm issued a suit, We sent in a settlement check which was cashed by the XXXX law firm, we are now receiving further suit threats via Cooling & Winter a law firm who apprently now has taken over this account. We sent XXXX firms faxes with the canceled check and furhter letters of suit are still arriving
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
Consumer complaint received 2015-12-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (TX)

I sumbitted a complaint against drivetime reporting againt my credit bureau report inaccurately and they responded back that they would remove their tradeline from my credit report but it is still showing. I have disputed with the bureaus with the letter drivetime provided that they will remove but its still reporting.
Consumer complaint received 2024-03-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridge IT, Inc. (OH)

Sometime last year and sometime this year, I have disputed this account multiple times with the company. I have emailed them. I have that on file they havent responded. They responded at first, but then stopped after I said the account was fraudulent. Ive disputed it a few times through the credit bureau report as fraudulent and lock my account, but I have had no success.
Consumer complaint received 2016-09-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

On XXXX/XXXX/2013 a district court Judge ruled in my favor, XXXX XXXX XXXX XXXX, for my house to be given back to me because Wells Fargo trustee for XXXX mortgage services had no legal standing in illegally for losing on my home, n also, I never signed for my home to be refinanced. I was a victim of identity theft, the documents were all proven to be forged. And neither XXXX mortgage attorney in fact for XXXX XXXX XXXX. Had no legal standing. I deeded my home to a family member. I just recently learned per my family member, the home I gave to her in which the deed was registered n certified with the deeds office, was stolen from her without her knowledge without knoticefication. I learned that Wells Fargo trustee for XXXX mortgage servicing, deceitfully and illegally stole the property and sold it to an unauthorized trespasser through a realtor using a very crooked forecloure attorney firm in MI. They never returned my escrows, or monies they illegally took from payments on this fraudulent mortgage. I am bringing this matter to your attention as I am requesting actions be taken immediately monies returned property returned along with punitive damage as soon as possible. All of this was done without knowledge without notifying by use of fake, forged, n fraudulent documents to the court. This can not go on. The person that living in the home is illegally trespassing, and Wells Fargo, XXXX mortgage illegally trespassed into a property that was not theirs.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (SC)

Account info @ XXXX XXXX XXXX XXXX XXXX My balance of {$4400.00} has been sitting on my account since XX/XX/2024. 
I have attempted to get a refund and close the account. Venmo has been unable to transfer it to my debit card or previously on file checking account. 

Therefore I requested a check refund in the amount of {$4400.00} to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Once the refund is made I requested the account to be closed. 

This still has not been done even though their supervisor has been promised it would.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Account name JPMCB CARD Account number XXXX Corporate card, I had an employee card working at XXXX XXXX XXXX the company since than closed and JP Morgan Chase is saying that i am the primary card holder when i never agreed or signed to anything like that! 

More than 10 employees had a card to use for various reasons such as gas hotel etc...
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

We deposited {$4100.00} dollars into the ATM in cash on XX/XX/2024 at XXXX. 

The ATM machine indicated it was " having some trouble '' and then printed another screen with a phone number to contact Chase and provided a receipt of the transaction without any indication of the deposit amount. 

We contacted Chase immediately at XXXX who told us their claims department was closed and instructed us we would have to contact them in the morning. We called XXXX and filed a claim. Chase indicated to us they would issue a provisional credit while they audited the ATM. Today, XX/XX/2024 at XXXX XXXX that provisional credit has still not been issued and the bank has not responded with any updates.
Consumer complaint received 2016-05-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vengroff Williams, Inc (FL)

I recently applied for a mortgage and found out that this haed inquiry is on XXXX report as of XXXX/XXXX/XXXX. I contacted bot XXXX and the agency and neither are willing to help. they pass the ball to each other so no one is responsible. on XX/XX/XXXX I faxed a request to have removed and my report was updated that the inquiry will be removed XXXX/XXXX/XXXX. This FRESH report from XXXX/XXXX/XXXX shows its still on there but set to come off 8 days prior? I need removed Immediately
Consumer complaint received 2015-08-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (OH)

Hyundai Finance refuses to give the consumer any paper title, even when the loan on the vehicle is paid off. This is a racket as it causes the consumer great hardship when wanting to sell the vehicle ( unless you go back to Hyundai or XXXX of course. ) Our situation is that we bought a new vehicle in XXXX from Hyundai in XXXX XXXX. We bought a XXXX XXXX XXXX and financed it through Hyundai as a great rate was offered through the dealership and factory. ( We did n't think anything about not getting a paper title because we had a loan on it. ) Once we paid the loan off in XXXX, XXXX, however, we requested the title. The XXXX number for Hyundai Finance said we would receive it in the mail and if any problems to just call them back. We also told them we were in process of moving, but it did not concern the customer service representative. We moved to XXXX for a job transfer in XXXX, XXXX. Our mail was forwarded, but all we received from Hyundai was a " Dear Customer '' letter dated XXXX XXXX, XXXX. It states, " Congratulations! Our records reflect that your retail installment contract, referenced above, is paid in full. '' In the next paragraph it states, " The original lien on your vehicle was filed electronically and your title will be forwarded to you by the Department of Motor Vehicles. You should contact your local Department of Motor Vehicles division for questions regarding your title if you do not receive it. '' So we called XXXX DMV, where we resided since XXXX and the where the vehicle was registered since. XXXX DMV told us our vehicle was still titled in XXXX. Upon calling XXXX, they said to fill out a form and mail to them and they would send us a " replacement title '' because the title is only electronic. I find this horrible practice by Hyundai, causing a lot of consumers unnecessary grief and confusion regarding an expensive asset. Is n't it a violation to not give the title back to the consumer, and put this all on the states and their residents? What about people who have to move for a job or military? I ca n't see XXXX or XXXX doing this practice.