davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I opened a PayPal account in 2017 to explore if the service would work for collecting rent from my tenant at that time. If I remember we may have even tried a test transfer of a dollar but I may be wrong. I have never used the account and want PayPal to close it. When I call to request it be close I am told I will have to send them a copy of the lease agreement with my tenant which has since expired and the tenant has moved. Of course, I would never share this information with PayPal. When I ask to speak to a XXXX  I am told that it will do no good and they usually disconnect the call. How can I get PayPal to close my account that I have never used?? Please help!
Consumer complaint received 2017-05-01
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: Navient Solutions, LLC. (AR)

Th is company has been reporting that I have paid them on my credit report. I have never paid a dime to Navient. In addition, during the dispute I have not received any kind of communication from the firm, but a collection agency stating that I owe some off amount. I do n't believe they have accurate information on my account. The fact they are reporting false information is enough for me to ask that account be removed for vio lating FCRA regulations.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NJ)

XXXX  sent me a copy of my credit report file  XXXX  on  XXXX / XXXX / XXXX . Someone applied to  SYNCBBP  DC on  XXXX / XXXX / XXXX  for credit in my name. I initially had a fraud alert on my credit file, then removed it in order to rebuild my credit and establish new accounts. These inquiries that are not authorized are hurting my score and a false representation of facts being reported in my file.    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX    XXXX    Attn : C omplaint Department   XXXX   XXXX    XXXX   XXXX , PA  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my  XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have been reviewing & disputing inaccuracies a fraud alert has been placed on my credit file, although the damage has already been done. The inquiries are not authorized and I sent supporting documents fro m 2 accou nts as of date stating I was a victim of fraud. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is  for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XXXX / XXXX / XXXX  ) admitted fraud apllication company removed SYNCB/BPDC (  XXXX / XXXX / XXXX  )
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

Over draft fees due to fraudulent charges. Submitted a claim with Regions Bank. This has happened to me numerous times with Regions and they are theft out of my account. Regions has never returned stolen money. My question is why is the FDIC insuring the customers money when they dont follow that law?? 
Every other big bank in the US does a much better job at protecting and replacing stolen money. Apparently Regions Bank gets away with this protocol and the US Government does nothing. How many Class Actions suits are against Regions? I am sure I am not the only one. Please contact me at+XXXX, XXXX XXXX
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC (TN)

I recieved bills from a collection agency on XX/XX/2018. I called them and tried to figure out where these bills were coming from they refused to tell me over the phone. A week later i found out that they are not licensed in the state of tennessee to collect the debt. And i habe also requested validation of the debt. I have not heard from them. I just want to see why and how they can collect a debt in a state that they are not licensed in when they have to be licensed and bonded in the state of TN according to TN CODE - TFDCPA 62-20-101 and 105 thru 127. The company is XXXX XXXX XXXX.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX Account XXXX Was Deleted From My Credit Report in 2022 and now have been reinserted back on Credit Report .I am not Liable for this Debt and have not signed any Contract with Impact Recievables Collection agency..I demand this Account be removed once again I was Not notified of this reinsertion of this previously deleted item. 
By Law I Demand you delete reinserted items from my credit report
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC (MA)

Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called XXXX  directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. 

I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, XXXX will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

OnXX/XX/XXXX XXXX  notified me that someone had applied for a credit card in my name at Capital One. With XXXX XXXX   help we called Capital One to inquire and Capital One stated that an application had been applied for but the Capital One would stop processing and remove the credit check at the credit bureaus.

On XX/XX/XXXX, I received a letter from Capital One stating that I had been approved for a credit card containing a $ XXXX limit. The letter was sent to an old address in XXXX  VA, then forwarded to me. I currently live in XXXX XXXX FL. I called Capital One and was told to provide my issue in writing to them which i did.

On XX/XX/XXXX I received another letter sent to my old address from Capital One dated XX/XX/XXXX, stating that they did not see any fraud! When I called Capital One and gave the automated system my information it stated that my credit card had been approved and a card was being sent to me! I am asking Capital One to cancel this application that I did not apply for, provide me with a copy of the original application for the card and also remove the credit check they issued on my credit at the credit bureaus onXX/XX/XXXX. Attached are copies of my letters with Capital One.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

XXXX and XXXX equfax keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}
Consumer complaint received 2016-12-15
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (WI)

My XXXX XXXX XXXX is under lease with Ford Motor Credit Company ( FMCC ). The lease ended in XXXX XXXX, but I have been working on buying out the lease. FMCC has been calling me and leaving messages for an account resolution. This I get and understand because they 're trying to protect their property. 

I 've not answered FMCC 's calls or communicated with them because I was laid off from my employer in XXXX XXXX. I 've been in an extremely active job search, but I have n't received any offers yet from interviews. It 'd been my hope that I 'd secure a job prior to performing a lease buyout on the vehicle. 

My complaint is this : On XXXX/XXXX/XXXX FMCC contacted my sister and brother attempting to skip trace my information. This is perfectly within the company 's right to do so. My sister and brother both verified the information FMCC had on file was correct. What is outside of FMCC 's legal right to do so was to : 1 ) Advise my sister and brother my lease was past term. 
2 ) Advise that FMCC would take legal action. 

FMCC has no legal right to discuss, release or make known my private financial matters ... even to my family.
Consumer complaint received 2016-01-27
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I sent Bank of America qualified written request in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. XXXX, and The Gramm Leach Bliley Act, A TILA Request in compliance with the Truth in Lending Act and a Dispute of Debt and Debt Validation Letter in compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and FIOA on XXXX XXXX, XXXX. My qualified written request was notarized by XXXX XXXX XXXX, XXXX Republic for the Commonwealth of Massachusetts and was sent certified mail number XXXX XXXX XXXX XXXX XXXX. I received a response from XXXX XXXX, Litigation Specialist II on XXXX XXXX, XXXX stating that only XXXX pages were to be included ; however on XXXX pages were received and I have until XXXX XXXX, XXXX ( only XXXX day ) to respond or they will close the case. This letter had no contact information other than a fax number and the XXXX pages that they received was not included. I tried reaching out to Bank of America to contact XXXX XXXX and no one there seems know who she is. I have faxed the qualified written request to XXXX today and also attached the fax transmittal sheet as proof. Bank of America is acting in bad faith and is refusing to comply with my request. 
I am writing Bank of America to inquire about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. 
To date, the documents and information I have, that Bank of America have sent, and the conversations with their service representatives, have been unproductive and have left unanswered questions. As a consumer, I am extremely concerned about predatory practices, specifically regarding this mortgage company or anyone who has any interest this matter. 

I am concerned about the possibility of potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices that may have negatively affected my credit rating, mortgage account and/or the debt or payments that I am currently, or may be legally obligated to. 
THEREFORE, I am legally and lawfully able to demand, and do demand, first hand evidence and information from Bank of America, pertaining to the original, uncertified or certified, security, regarding my account, # XXXX. Failure to provide this security will be confirmation that you had not created or owned one. Bank of America is not above the law and by law they have to comply.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NY)

I signed up for the Chase XXXX credit card and the contract included a XXXX for XXXX International Business Companion benefit. However, that benefit was NOT as advertised. I paid for a year of the benefit ( per the contract ) and those benefits did not last the year I paid for - they actually were restricted and ended on XXXX XXXX, 2015. Chase blatantly lied about the card 's benefits so I want my annual fee back.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

This complaint is being filed because I have tried to reach out to experian telephonically and have been unable to get through to a live person. On XXXX XXXX I sent Experian a copy of my police report because I have been a victim of identity theft. In the cover page I included a list of the fraud accounts including the XXXX account # XXXX. For some reason all of the other accounts were removed but this one was not included. I have tried to reach by phone but can not get through to a representative to make them aware of this situation.
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (CA)

XXXX, Experian, and XXXX continue to report inaccurate information onto my consumer report. My only name is XXXX XXXX. No other name or spellings should be listed on my report. My address is XXXX XXXX XXXX, XXXX, CA XXXX this should be the only address report. Under federal law the credit bureaus are responsible for damages caused my inaccurate information being reported.
Consumer complaint received 2022-09-06
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: NAVY FEDERAL CREDIT UNION (CA)

There was an account opened up around XX/XX/2021 that is on my credit report that isn't mine. I've provided documents to the bank and the credit reporting agencies and they're still reporting the account valid. I even went as far as going to the bank and providing my documents and still no luck. They showed me the account and the only thing that was correct was my name and birthday. The address, email, phone number, and social was incorrect. Its clear that this is not my account.
Consumer complaint received 2016-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC. (TX)

Repeated and unwanted calls. False debt. Calls from XXXX numbers ( XXXX ) XXXX & ( XXXX ) XXXX. They are based in XXXX XXXX listed under EGS Group.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

My name is XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. We reviewed our credit report online. I noticed that my XXXX 2014 Mortgage payment is being reported late. The payment was made on time and I have attached the documents to support this payment. Please feel free to contact me if you have any questions or need additional information. 
Thank you
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX separate accounts from the same creditor listed, except that XXXX of them could not possibly be mine because it was opened in on a date when I was still a child and has a completely different account number to the correct XXXX, which strangely enough at the time which the valid one was opened, card received and all, after about a month, I received a call that said that I was mistakenly approved and the account was closed by the credit card company. The same applies for the inaccurate XXXX from 1999 with a completely separate account number, balance, and credit limit.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX XXXX XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX I sent someone {$220.00}, or so I thought. Venmo put a 21 day hold on the money, no warning, no reason. Venmo now says they can not do anything about the hold, I can not get money released, person I sent it to can't get the money out of jail. Venmo gives different information when you call. Venmo is using customer money for 21 days but not paying interest when they release it. I have had conversations with XXXX different people at Venmo, including a supervisor, and it seems the only phrase they know is " I'm sorry '', not even once a " We will get this fixed ''. 
I sent the money to buy a hard to find part. By the time I get this solved the part will probably no longer be available.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP (GA)

Received a letter from the magistrate court of XXXX County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of XXXX.

Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''.

The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed. Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX   The law firm that sent the letter is Aldridge Pite Haan , LLP The APH File number is XXXX
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (VA)

I originally submitted a complaint concerning Experian on XXXX 2015 concerning an account that was previously deleted, then sold to another collection agency and Experian was the only to place back on my credit. They have not provided final resolution. Since then have dropped my score XXXX points on XXXX/XXXX/15 for my XXXX account credit limit increasing from XXXX to XXXX. No not me using the balance, but the limit increasing? Then here recently XXXX/XXXX/15 I was notified my XXXX that my score reduced again my XXXX points due to me paying down a credit card owned by XXXX by {$100.00}. This makes absolutely no sense. My scores with the other CRAs are XXXX - XXXX and XXXX XXXX XXXX . My score with Experian shows XXXX. It is always between XXXX points lower???? 
I have placed at least a XXXX complaints with them of the last two years for several items that they erroneously report. I am sick and tired of there incompetency.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I am currently i repayment status on my Student Loans, I have been paying on time since XXXX with my last payment on XXXX XXXX. I made a payment on XXXX XXXX via the website and on XXXX XXXX, I received an email saying my payment was still due. I called the agency and spoke with a agent who confirmed that their system was not reflecting that I made a payment on the XXXX XXXX. I accepted his explanation and made another payment on the XXXX XXXX at XXXX XXXX EST via XXXX web page and received a payment confirmation number on the page and a confirmation email from the them as well. Today, XX/XX/XXXX, I received a email stating that my loan payment has not been paid and when I looked at my account it said my account is past due. I am not sure why their system is refusing my payment and I am afraid they are reporting my payments as late even though I made my payment on time.
Consumer complaint received 2017-02-10
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (OH)

I filed a complaint with the CFB against Citi Bank regarding a {$300.00} bonus that Citi initially refused to pay, but was later honored. The day they credited my bonus ( XXXX/XXXX/17 ), I initiated a transfer to move the funds to XXXX Bank. The amount of my deposit plus the {$300.00} bonus was {$10000.00}. I transferred the funds. I logged into Citi on XXXX/XXXX/17 and noticed the account was overdrawn by {$34.00} ( the exact amount of the fee ). I later discovered that Citi does not make pending credits available for withdrawal until posted. I do n't agree with this since the amount the amount displayed as available for withdrawal was {$10000.00}. I called Citi, and the credit the {$34.00} fee back. Now the account was at a XXXX so I requested to close it. They complied with my request. On XXXX/XXXX/17 I noticed the funds from XXXX were placed back into the Citi account. The original transfer never went through. I was charged another {$34.00} fee. They refuse to reverse the fee because the account is closed. I am also unable to access my money because the account is closed. They are penalizing me for the same transaction twice. They also tell me it 's likely I 'll receive a check in the mail for the balance of my account. They are very unhelpful.