davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Credit 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: Paypal Holdings, Inc (MA)

PAYPAL IS WITHHOLDING REFUNDS. 

In XX/XX/XXXX I placed an order for clothing with Woman Within for approximately {$130.00} On XXXX XXXX I returned {$94.00} to Woman Within at a local UPS store using Happy Returns. 

On XX/XX/XXXX I received an email from Woman Within that advised they issued a refund for {$83.00}. 

On XX/XX/XXXX I spoke with XXXX at XXXX XXXX, XXXX who initially told me that the refund was made to PAYPAL and then advised they didn't make a refund. 

On XX/XX/XXXX I filed a complaint with PAYPAL XXXX ID : XXXX XXXX XXXX a disputed claim, because the money was not returned to my PAYPAL account. 

PAYPAL requested a copy of my email from Woman Within and then turned around and closed the complain/dispute. 
I reopened the complaint and have heard nothing further. 

A local new consumer group advised I file a complaint with your office against PAYPAL. I still have not received the {$83.00} as of XX/XX/XXXX. 

Additionally this evening, I received an email from PAYPAL for an account that is NOT MINE. 

XXXX XXXX XXXX ( XXXX hour ago ) to XXXX Hello, XXXX XXXX PayPal XXXX just sent a {$580.00} USD payment View your invoice Transaction ID XXXX Transaction date XX/XX/XXXX Invoice number XXXX Payment from XXXX XXXX XXXX Payment to XXXX XXXX XXXX Shipping address Omega Ashante XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX United States XXXX X {$580.00} USD {$580.00} USD Subtotal {$580.00} USD Discount {$0.00} USD Shipping {$0.00} USD Tip amount {$0.00} USD Invoice Total {$580.00} USD Amount paid- {$580.00} USD Amount due {$0.00} USD Payment summary Total amount of this transaction {$580.00} USD Payment method XXXX XXXX {$580.00} USD This transaction will appear on your statement as PAYPAL XXXX PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 

PayPal Customer Service can be reached at XXXX. 

Not sure why you received this email? Learn more XXXX XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : XXXX ( XXXX ) XXXX : XXXX SOMETHING NEEDS to be DONE. PAYPAL is RECKLESS and operates WITHOUT JURISDICTION. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was affected by XXXX-XXXX, XXXX XXXX XXXX  closed my account and removed online access giving me no ability to pay the account while XXXX. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of COVID was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX  XXXX XXXX  or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO  score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX  XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to COVID and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was XXXX. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.
Consumer complaint received 2018-02-21
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. (GA)

I recently submitted a complaint about how Equifax stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. Equifax did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party XXXX. The information purchased by Equifax from XXXX has redactions that are required under XXXX XXXX laws. XXXX is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. XXXX then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, XXXX and Equifax have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that XXXX and Equifax be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-10-12
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. (NJ)

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

PNC Bank sent me a notice on XX/XX/23 saying that my account was in the negative however on my ledger I had {$700.00} in the account they claim they paid online fees, charges rather because I did not have enough money to cover. That is not true. On a second statement they sent me I had plenty of money now they are holding my credits and put a hold on my account and refused to issue the credit to my account and claim that I am minus {$500.00}. This is not possible because three days later I checked out money from the ATM in it for {$120.00} which I wouldnt of been able to do if I did not have the money in the account. They refuse to give me the money that is owed to me in my account and they closed it. I will be contacting XXXX XXXX XXXX  however would like this documented with your company please contact them because theyre saying the dispute will be 90 days and it plain as day to see that that overage on my account is not possible
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

I am in the process of cleaning my credit up do to identity theft. Lexis nexis has several items on my report that don't belong to me and/or are a result of identity theft. While they have deleted several items, several remain such as Name variations, my name is XXXX XXXX XXXX, in the past 25 years I haven't used another name. My maiden name is XXXX. Their are several variations of my name on the report. It also reports I have a Virginia License which I do not and have not ever had. My drivers license information is incorrect, all they have to do is check with Maryland MVA. My license number is XXXX and has been, their is information from XXXX, XXXX, and XXXX that don't belong to me. I have sent them copies of my license as well of my change of address. Lastly there is a bankruptcy from XX/XX/2015 that is not mine. The bankruptcy court say 's they didn't report it to them so I would like to know how they got the information and provide me with all of the identifiers as well as DL information ie picture and ssn number provided to file this bankruptcy. The consumer number for XXXX XXXX is XXXX and the Case number is XXXX. Please help
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal has taken adverse action against me and has discriminated against me and closed my credit card account and also marked my consumer report as a closed account. I am asking Navy Federal to cease and desist all forms of communication including them reporting negative information onto my consumer report. Navy Federal has violated my federally protected rights and has violated my right to privacy Navy Federal can see my cease and desist letter in the attached form and remove the account completely from my consumer report as it is a form of communication per the Fair Debt Collection Practices Act.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MN)

I have a Conventional Mortgage that has passed the 78 % threshold and meets all the guidelines stated in the Homeowners Protection act that should automatically trigger the removal of the PMI payment on my account. I have inquired with my Loan servicer to confirm that this will be taken off my account, they have replied that my PMI will remain even after meeting these requirements. The company is Specialized Loan Servicing ( SLS ) SLS.net They are refusing to get the PMI taken off of my account and will continue payments out of my escrow account. I have messaged and called on this matter and they are saying that they are unable to remove the PMI. The initial request was on XX/XX/ and the follow up call occurred on XX/XX/.
Consumer complaint received 2024-05-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp (TX)

I want to report A collection agency called Property Receivable - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, for harassment has been harassing on a debt I dont owe. As well as report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX. 
Property Receivable said the debt is from an apartment called XXXX XXXX, which they claimed is from 6 years ago for {$120.00}. They have reported this debt on my credit report, once to XXXX and twice times to XXXX. Each time I dispute the debt with the credit bureau, the debt is deleted from my credit report. I have called and requested that Property Receivable provide me with proof of debt, I have not received any proof or statement of debt. Each month they keep re-adding this debt to my credit report and harassing me with calls to pay a debt I DO NOT Owe. They claimed the apartment changed management and the previous property management is not responding to their requests.
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (OH)

They Always saying it wouldn't affect my credit score but when it did severely I contacted everybody that they Always redirect me to and Nobody Never Helped me!!! And after dealing with Fake XXXX XXXX XXXX my score still haven't got back to where I was before all this Ridiculous XXXX... And with the help of Experian, they're still false advertising the same exact XXXX!!!!!!!
Consumer complaint received 2022-09-10
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: Credit Karma (OH)

They Always saying it wouldn't affect my credit score but when it did severely I contacted everybody that they Always redirect me to and Nobody Never Helped me!!! And after dealing with Fake Credit Karma XXXX  my score still haven't got back to where I was before all this Ridiculous XXXX... And with the help of XXXX, they're still false advertising the same exact XXXX!!!!!!!
Consumer complaint received 2022-09-10
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: SYNCHRONY FINANCIAL (GA)

Delete Late payments from SYNCB/Care Credit from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX XXXX in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX  ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have called and mailed in a letter to remove inquiries on my trans union credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I was Recently sent a letter from Citibank NA Attached* And also a check for {$16000.00} I am Wondering if this is part of the settlement Citibank is repaying to customers affected? 

Or if this is a scam to reinstate an old debt passed the statute of limitations of which I already paid?
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

squareup scammed me out of XXXX USD!!!!!! 
I cant access any customer support by chat or by email! they just fully ghost me! They have my payouts on hold since XX/XX/2023!!!!!!! 
law enforcement has to look into this! THEY ARE A COMPLETE SCAM! I HAD XXXX CHARGEBACKS ON MY ACCOUNT! AND THEY JUST STOPPED PAYOUTS PRETENDING THEY DO A REVIEW! I SEND THEM THE INFO THEY REQUESTED! BUT NOW THE ACCOUNT IS COMPLETELY DEACTIVATED! AND THEY HAVE MY MONEY! NOBODY AVAILABLE TO TALK TO ME ABOUT HOW I GET MY FUNDS!
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Contacted equifax in XX/XX/XXXX regarding not able to access My Equifax account. After multiple attempts to talk to a human, I was told to mail proof of identity which I did in XX/XX/XXXX. After hearing nothing for 4 months I filed a complaint with CFPB. Here is the problem : I go to log into my equifax and it tells me to call an 888 number. after 8 minutes of prompts, then the computer states it will verify my identity by asking questions from my equifax report ( which I just received a copy of due to previous complaint ) and the  questions asked have no correlation to me or my equifax report. A recording comes on and states I need to send my proof of identity in to equifax, which I did on XX/XX/XXXX and still haven't been contacted except for the response to prior complaint, which did not address the original complaint. Can my login be reset so I can access my equifax account?
Consumer complaint received 2018-02-22
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: Innovative Collections, LLC (TX)

Wrong information and when calling them very rude, threatening to take me to court and mess credit report. Explained I have fraud alert on account this info is inaccurate and false of the debt owed. I have disputed and need off all three bureaus
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Avadyne Health Holdings, Inc (MO)

H & R acccounts, a collection agency in XXXX, has reported for several months an open delinquency on my credit report. The original creditor was XXXX XXXX. This account was discharged in bankruptcy in XXXX 2007, is not open, and represents double negative reporting since the bankruptcy and XXXX XXXX negative trade line show the account.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

TO WHOM IT MAY CONCERN : This is the 4th time that I am contacting the Consumer Finance Protection Bureau regarding my credit issues ; I am extremely grateful to the CFPB to right the wrongs committed by the crooked, militant debt collectors and the lazy, corrupt credit reporting agencies. I hope congress would increase funding for the CFPB and not reduce it as the Trump 's administration has recently done. 

This letter is in reference to a collection account placed by Portfolio Recovery Associates, of XXXX, VA, on my XXXX  credit report. On XX/XX/2018, I sent a letter, via certified mail with return receipt, to the debt collector with no response from the firm at all. The firm chose to ignore my request for specific answers regarding the derogatory account placed by them. 

In light of the above I humbly and kindly request the CFPB to order the above debt collector to eliminate the derogatory from my XXXX credit report.
Consumer complaint received 2018-02-22
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: CCS Financial Services, Inc. (TX)

I have disputed this many times before went to collection agency and bureaus. They have placed a fraud alert on account. I even sent a letter for them to send me a debt validation with the original contract and signature to state it belonged to me. Unable to provide me with the original contract with my signature and the company that they are saying I owe.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have uncovered deceitful and unfair practice of how bank of america is assessing overdraft fees. As of XX/XX/2018 my actual bank balance ( posted transactions ) was + {$89.00} ( in the black ). However, there were 4 pending transactions totaling {$120.00}. After accounting for the pending transactions, my " available balance '' was negative {$31.00} As a result, and based on my " available balance '', which factored in the 4 pending transactions, I was hit with two {$35.00} overdraft fees on XX/XX/2018. 

On XX/XX/XXXX, I could finally see all of the activity from XX/XX/XXXX ( this is not visible through online banking features until the next business day ). So I called to ask Bank of America how much money I needed to put into my account in order to ensure I did not incur any additional fees since the same 4 transactions that were pending on XX/XX/XXXX were still pending on XX/XX/XXXX and no new transactions had taken place. I was advised that one of the 4 transactions ( a {$29.00} annual auto renew subscription from XXXX ) would result in a {$35.00} overdraft fee. 

It is unfair, deceitful, and possibly illegal for Bank of America to factor in all pending transactions when determining the " available balance '' that is used as the basis for determining which posted transactions trigger an overdraft fee. It is fraudulent to then charge a customer an overdraft fee on the pending transactions when they finally do post since they were already factored into the historical balance used to determine overdraft fees. If pending transactions were excluded from the overdraft assessment, then I would not have incurred any overdraft fees on XX/XX/XXXX, but they were. Bank of America can then not treat them as newly incurred overdraft incurring transactions when they do post. 

I remember the days when banks would manipulate the order in which same day transactions posted to an account in order to maximize the overdraft fees they could charge ( regardless of the timing of when those transactions actually occurred during that day at the retail terminals ). This practice is now illegal. 

I have uncovered a new way in which Bank of America is manipulating the way in which they double count pending transactions against a customer to incur overdraft fees. They are manipulating pending transactions ( both while pending and again on the very same transactions when they post ) in calculating the balance used to assess overdraft fees. 

This is fraud, deceit, unfair and possibly illegal.