davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (TX)

Ive sent MULTIPLE letters to this bureau and Ive requested multiple times to show me hard proof of any signed documents that I physically signed. According to 15 USC Chapter 41, that is required by the bureau when requested. I dont agree with any third party verification or the E-Oscar system. Nothing involving me and my credit report should EVER be verified through any software. I am asking for hard proof, if not. This should be deleted. Ive attached all the letters Ive sent requesting the HARD PROOF VERIFICATION, not any verification through any software, third party verification, and/or E-OSCAR!
Consumer complaint received 2024-05-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am filing this complaint against Bank of America for their failure to adequately resolve a dispute over a credit card transaction regarding defective products purchased from XXXX on XX/XX/year>, for {$58.00}. My attempts to resolve this issue with both the merchant and Bank of America have been unsuccessful, leading to unwarranted financial implications. 

Summary of the Issue : Initial Communication and Evidence Submission : I notified Bank of America of the defects via fax on XX/XX/year>, providing photographic evidence to support my claim. This evidence was sent from my phone number ( XXXX ) to their designated fax line ( XXXX ). 
Bank 's Inadequate Response : The response from Bank of America lacked substantive feedback and failed to acknowledge my rights under the Fair Credit Billing Act, which mandates a thorough investigation of disputes involving defective merchandise. 

Relevant Bank of America Agreement Terms : Billing Rights Notice : As outlined in their " Billing Rights '' document, I am entitled to dispute charges for goods that were not delivered as agreed and am protected against any collection activities on the disputed amount during the investigation. The document states that the bank must acknowledge my complaint within XXXX  days and resolve it within two billing cycles or XXXX days, whichever comes first. 
XXXX XXXX XXXX : The " Cardholder Benefits Guide '' suggests additional protections for items purchased that turn out to be defective. Although my dispute centers on a defective delivery, the principles of ensuring product integrity as outlined should analogously apply to the transaction dispute process. 

Impact on Me : The unresolved dispute has led to financial losses due to the persistence of the charge and associated costs, despite clear evidence of the merchandises defectiveness.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

This ONLINE PAYDAY COMPANY XXXX XXXX pulled my credit report without my permission. They also hit my credit with hard inquiry. I did not give any permission to them to do so.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

This ONLINE PAYDAY COMPANY XXXX XXXX pulled my credit report without my permission. They also hit my credit with hard inquiry. I did not give any permission to them to do so.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

There are several hard inquiries that i never authorized to run my credit and some are on there multiple times. The Inquirer and Dates are as follows : Name : Date : XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-05
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. (CA)

I have submitted disputes to you and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you in advance.
Consumer complaint received 2017-02-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CA)

Due to the way Paypal manages their accounts it 's not entirely clear which country your Paypal account is tied to. In my case my original Paypal account was not tied to the US and when I received funds ( ~ {$1600.00} ) into this account I could n't withdraw them without having to pay a transaction fee of about {$65.00}. When I contacted Paypal I was advised to transfer these funds to my US based Paypal account after which the transaction fee would be reimbursed. 

After making this transaction Paypal refused to reimburse the transaction fee and after talking to a handful of Paypal representatives and not getting anywhere I decided to file a complaint with my credit card company as I used my credit card to pay for this transaction. 

My credit card company ( XXXX XXXX ) was able to get my transaction fee back from Paypal but as a result the funds I originally transferred were nowhere to be found. XXXX XXXX only received the {$65.00} transaction fee while Paypal 's official description of these funds is that they were in " limbo '' ( I have an audio recording of a Paypal representative stating this ). 

My Paypal account however shows my current balance to be in the negative for this exact amount so I am personally on the hook for Paypal 's systems losing this money. After talking to Paypal for at least a dozen times I have n't been able to get this resolved. To make matters worse, Paypal has now given this account to a debt collector for follow up. 

I am not sure what to do here as I have n't been able to find somebody at Paypal who is willing to accept responsibility and take the time to resolve this in the right manner.
Consumer complaint received 2022-01-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2018-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My major complaint is that my payments were mis-applied and then my file was sent over for Foreclosure. 
They have stated that I have gotten 3 modifications and that is not true. 
If they are a debt collector, then my alleged debt has already been paid when it was transferred over to them and I would like for my file with them to reflect that. 
XXXX did not forward my information over to SPS Servicing and I had to start the modification process all over again, only to be told that it was not a good business decision by my servicer and to deny me any services
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-04-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Claim ID : XXXX Claim amount : {$40.00} Initiation date : XX/XX/2024 Merchant name : XXXX XXXX XXXX XXXX  Transaction Date : XX/XX/2024 Transaction Ref. # : XXXX Bank of America 's response to the disputed credit card charge failed to meet the expected standard of diligence and consumer advocacy. Despite clear evidence of misadvertisement and physical harm caused by the merchant 's negligence, the bank 's actions were inadequate.

Rather than acknowledging the severity of the situation and taking proactive steps to address the issue in accordance with XXXX XXXX dispute resolution guidelines, the bank 's response appeared dismissive and failed to provide meaningful assistance to the consumer.

Furthermore, the bank 's assertion that the consumer may be held liable for the disputed transaction overlooks the consumer 's rights and the merchant 's failure to deliver the advertised product as promised.

In essence, Bank of America 's handling of this matter raises concerns about its commitment to consumer protection and its obligation to act in the best interest of its customers, as mandated by regulatory standards.
Consumer complaint received 2022-09-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I got a call from Citi for complaint number XXXX. She said her name was XXXX and to call her back at XXXX or XXXX. Her voice wasn't very clear so it's either of those numbers. Those numbers don't exist.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to Equifax. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

XXXX XXXX The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

XXXX I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

XXXX XXXX disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I emailed them on XX/XX/XXXX and again today on XX/XX/XXXX requesting my full repayment history with no reply. 
I called them on XX/XX/XXXX requesting my full repayment history and was told they would send it within XXXX business days. 

They have lost all payment information since their transition to their new online platform.
Consumer complaint received 2018-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

there is 5 accounts with RashCurtis & Associ acct no, XXXX for {$3000.00} acct no XXXX for {$2300.00} acct no. XXXX for {$1600.00} acct no. XXXX for {$410.00} acct no.XXXX for {$390.00} I reported to XXXX that these do not belong to me for the past 12 years and can not get them to remove them ... .. then XXXX   XXXX acct no.XXXX for {$220.00} then XXXX XXXX XXXX acct no . XXXX for {$200.00}
Consumer complaint received 2018-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

On XX/XX/2018 I sent a letter to who I believed to be the owner of the debt in question to validate said debt. Creditor responded by sending a " account summary report '' as opposed to what is required by law. 

On XX/XX/2018 I submitted letters to all three credit reporting agencies demanding that they remove the account attached to " XXXX XXXX '' from my credit report as inaccurate. I disputed this report because ( 1 ) the listed owner of the debt did not accurately reflect the entity attempting to collect the debt, and ( 2 ) the entity collecting the debt did not provide adequate information under FDCPA because they did not submit a signed copy of the contract from the initial credit provider. Subsequently, the account was removed from my credit report. 

However, about a month later, the debt was recertified on all three credit reports. I sent another letter to the entity that was attempting to collect the debt requesting that they verify if they were the owners of the debt, and if not, to cease and desist attempting to collect. I again was sent an " account summary report '' with no response to my further questions.
Consumer complaint received 2018-07-07
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: ARS National Services, Inc. (CA)

I have contacted XXXX XXXX numerous times to dispute an account that is not mine and may be a possible case of identity theft. I have no memory of this account.I have asked that thisaccount be removed after exercising my right under Section 609 ( a ) ( 1 ) ( A ), the requirementof creditors and credit reporting agencies to verify accounts through physical documentation, verification of the original signed consumer contract and/or identification used to open the account. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I have requested such documentation from XXXX XXXX and it has not been provided. I also requested physical verification from XXXX XXXX, XXXX, and XXXX, all of which have not provided any sort. Somehow, these credit bureaus keep verifying data without furnishing any proof of a proper investigation or obtaining the physical proof required by section 609 ( a ) ( 1 ) ( A ) of the FCRA. When asked about this, XXXX, XXXX, and XXXX XXXX personnel replied that they use the E Oscar system to verify debts. This is not acceptable. These credit bureaus keep verifying information that is incorrect by basically matching numbers already in their data base, thus making it next to impossible to remove an account that isn't mine to begin with. This is not a reasonable investigation and their willful noncompliance is a violation of my rights as a consumer. This is my last step in trying to resolve this issue before seeking relief and monetary damages for violations under FCRA sections 616 & 617
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX a notarized letter was sent to Transunion for information regarding ( achieve ) account. No information was provided under 30days per 15usc 1681. This company is in violation and request to have this item deleted from my file.
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with SANTANDER CONSUMER USA. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, repossession, and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Available balance showed more than enough funds before 4 occurrences of credits leading to 4 overdraft fee charges. Bank of America representative ( supervisor XXXX XXXX in Michigan ) claimed it fees were valid without any further explanation and just hung up on me.
Consumer complaint received 2024-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ACCT # XXXX XXXX BANK Verification demand letter was sent out to all XXXX credit companies. TransUnion responded back verified without any additional information,
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NV)

Letter submitted to Chief Judge XXXX XXXX of US Bankruptcy Court for the XXXX XXXX XXXX New York : I am writing to you as a creditor in the bankruptcy case of XXXX XXXX, which is well-known to have declared bankruptcy in the summer of XXXX. Like many others, I was impacted by this unfortunate event and have been awaiting the distribution of the bankruptcy settlement, which is being administered by XXXX. 
On XX/XX/XXXX, I received communications from XXXX, outlining the procedure to claim my distribution through PayPal. These communications included separate claim codes for Bitcoin ( BTC ) and Ethereum ( ETH ) holdings. However, my attempts to redeem these claims have been fraught with systemic issues, leading to an inability to access the funds rightfully owed to me.

Initially, a technical glitch in PayPals form prevented me from entering my date of birth in the required format, thus stalling my claim redemption process. After a delay of several weeks, hoping that this technical issue would be resolved, I encountered further obstacles. Despite successfully entering my details, PayPals system was unable to verify my identity, repeatedly failing to progress past the verification stage.

Subsequent interactions with PayPal customer service yielded no resolution, and their advice to contact XXXX led to an equally frustrating dead end. Despite multiple attempts to reach out to XXXX via phone, email, and their customer service form, I have received no substantive response, only automated replies indicating a high volume of inquiries. 
My persistent efforts to redeem the claim codes through PayPal continue to be met with the message : " We are unable to redeem that code. Contact XXXX for more information. '' This has left me in a distressing limbo, unable to access the settlement funds, which represent a fraction of my original investment following the significant losses incurred due to the collapse of XXXX. 
This situation not only exacerbates the financial distress experienced by many creditors but also raises concerns about the efficiency and reliability of the mechanisms established for the distribution of the settlement. It is disheartening to witness continuous hurdles in accessing what is owed to us, especially after enduring the substantial financial and emotional toll precipitated by the collapse of XXXX. 
I respectfully urge the court to intervene and mandate immediate corrective action from both PayPal and XXXX. It is imperative that they address these systemic issues promptly and ensure that all affected XXXX bankruptcy claimants receive their entitled distributions without further delay or hindrance. 
Your attention to this matter is not only crucial for the timely resolution of my individual case but also signifies a broader commitment to upholding the rights and interests of all affected creditors in this bankruptcy proceeding. 
Thank you for your time and consideration.