davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I confirmed to make a new business PayPal account rather than using my personal account because i was confusing my transactions and not able to keep track of them. After a few days I begun receiving funds for my sales and sending invoices to some of my buyers, one is currently on a payment plan while the other paid in full. The transaction that was paid in full was around XXXX for a signed item. I added a tracking number for the product and the person who paid for it received it in the mail accordingly. The money was still on hold after a long time so I decided to enter more of my information into PayPal website to get my account a faster money transfer because its a high amount to have on hold. After adding my information into PayPal they said it would be under review after more than a week I hadnt heard back and emailed them. They said they would take a bit longer to confirm, later finally my account gets confirmed but then says theyve decided to permanently ban me for suspicious activity when I only have 3 transactions on my new business account with all the information needed and provided. They are holding more than XXXX of my money and I need to access this and be able to continue my business. Its a new account so I dont understand how theres been suspicious activity or breach of contract. I spoke to a PayPal representative and they said sometimes PayPal makes an error when banning accounts and I should call legal department but they did not answer or acknowledge my concerns. They can not provide proof of anything suspicious or illegal ive done because there IS nothing Ive done.
Consumer complaint received 2022-04-27
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: Spring Oaks Capital, LLC (FL)

In accordance with the Fair Credit Reporting Act, the entity listed below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 16841 Spring Oaks Capital , LLC Acct # XXXX has violated my consumer rights. 

15 U.S.C 1681 Section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C. 1692b ( 4 ) not to communicate by postcard.

15 U.S.C. 1692b ( 2 ) not to state that such consumer owes any debt.

15 U.S.C. 1692b ( 5 ) not to use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been calling SLS to be placed in a COVID forbearance however, every time that I reach out I am given the run around, told verbally I won't qualify, yet given no reason as to why. I have suffered a reduction in income as a result of COVID- yet no options have been offered to me at all. I have also asked to have a new point of contact, as the last representative misinformed me, XXXX and other representatives, XXXX has refused to explain why I can not apply for COVID assistance. They seem reluctant to help me and whenI ask for a new person to speak with, I am told someone will call me- yet I receive no calls.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

I am writing to file a formal complaint against Comenity Bank regarding the inaccurate reporting of my credit information to consumer reporting agencies. The details of the complaint are as follows : Account Information : Original Creditor : Comenity Bank Account Number : XXXX Inaccurate Date of Last Activity ( DLA ) Reporting : XXXX is reporting DLA as XX/XX/XXXX, while XXXX is showing XX/XX/XXXX. This discrepancy in reporting raises concerns about the accuracy of the reported information. 

Inaccurate Open Date Reporting : XXXX is reporting the open date as XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX. Again, this discrepancy raises doubts about the accuracy and consistency of the reported information. 
Transfer of Account : Comenity Bank sold off my account to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Despite this, Comenity Bank continues to report inaccurate information to credit reporting agencies. Comenity Bank no longer services my loan, yet it persists in furnishing inaccurate information about my account.

Prior Complaint : Reference is made to my previous CFPB Complaint filed on XX/XX/XXXX ( REF # XXXX ) regarding Comenity Bank 's inaccurate reporting. Comenity Bank responded on XX/XX/XXXX, asserting the accuracy of their reporting. ( Attached : Prior CFPB Complaint and Comenity Bank 's Response ) The attached documents prove your furnishing of inaccurate information.

Legal Violations : Comenity Bank is furnishing inaccurate information to consumer reporting agencies, which is prohibited by law. 
Violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) of the FCRA, which mandate accurate reporting and correction of known inaccuracies.

Demand for Action : Comenity Bank is hereby put on notice to cease and desist the reporting of incorrect/inaccurate information immediately.

Pursuant to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), Comenity Bank must delete the erroneous account from my consumer reports within 10 calendar days.

In conclusion, Comenity Bank has violated federal laws governing accurate reporting and furnishing of credit information. The continued reporting of inaccurate information has caused severe harm to my financial standing and reputation. I demand this account be deleted.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested from TransUnion to verify with method of verification of an collection account on my credit report from " Fair Collections & Outsourcing XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. As to this date I have not received from TransUnion any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof of method of verification. I have attached the letters sent to TransUnion.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I reported fraud and suspicious activity on my boa accounts since XX/XX/XXXX   at XXXX XXXX XXXX XXXX  XXXX va. XXXX did a intense research as per her letter stated XX/XX/XXXX on all of my accounts (XXXX XXXX XXXX)First of all as the attachments show my name is at the top of the XXXX   account. In XX/XX/XXXX $XXXX dollars was transferred to a account # XXXX as per documents from boa XXXX. She stated that their were no linked accounts. My address of XXXX  XXXX XXXX XXXX nc XXXX was reported to boa in XX/XX/XXXX after selling my XXXX XXXX XXXX home. As per the documents sent to me by the cfpb file my address was taken off my account of XXXX and combined with Mr XXXX XXXX accounts and my account information was denied access to me due to boa sent my XXXX to XXXX XXXX XXXX XXXX   XXXX va  in XX/XX/XXXX. we were legally separated as of approx XX/XX/XXXX as per the court records that was  entered by Mr XXXX .I need the authorization documents that were signed and on record with boa on who transferred all the funds out of my XXXX in XX/XX/XXXX and whose account it was transferred to ending in #XXXX. Also I need the authorization documents that were submitted to boa to combine my personal XXXX account with Mr XXXX XXXX sole account info in XX/XX/XXXXand changed where my account info was being sent to  since Mr XXXX entered the seperation agreement in XX/XX/XXXX.  By bank of America changing my address to XXXX XXXX XXXX XXXX   XXXX va instead if my reported address if XXXX XXXX XXXX XXXX nc XXXX it  denied me access to my monies and funds info to keep track if the fraud and suspicious activity that I reported    were being  tampered with .Attached are the #XXXX transfer proof in XX/XX/XXXX sent to cfpb by XXXXProof of my XXXX  being comingled with Mr XXXX  personal accounts in XX/XX/XXXX and thru XX/XX/XXXX attached as sent to the cfpb by XXXX in XX/XX/XXXXAddress change proof attached in XX/XX/XXXX as per attached info to the cfpb in XX/XX/XXXXAnd a card # XXXX was used to transfer funds toI need to request info documents on all if the above Thank you XXXX  XXXX
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

After reading my credit report I noticed false inquiries that were not made by me on my credit report. One from XXXX XXXX XXXX XXXX as well as XXXX XXXX Services. These inquiries were not made by me.
Consumer complaint received 2019-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (NC)

My husband passed away in XX/XX/XXXX.  I contacted his bank to ask for a printout of the last 3 months in order to contact any accounts he had.  I contacted Lending Club and they stated it was a joint account because I had signed for the loan.  I absolutely did not.  I had no knowledge this loan existed and would not have agreed to take out a loan from them.  They sent my denial through the their fraud department.  Their decision was that it was a joint account, therefore, I owed the debt.  I asked for a copy of my signature but was told it was done by checking a box electronically.  I asked for date and time signed and IP address of computer used.  I was told all of that would be sent to me.  Nothing was ever sent.  I never received an email, phone call, package of information in the mail, or anything to let me know a loan was taken out in my name.  I was unaware the loan existed until my husband passed away.  I never speak to the same person at Lending Club.  Each person I speak to assures me the information requested will be sent.  At one point, I was told the information could only be sent to an attorney so I gave them the name and number of my attorney-still nothing.  I sent a letter to the Lending Club corporation but did not receive a response.  I was told they would re-investigate my claim and someone would call to talk with me.  Instead, they placed the loan in a charged off file and it is destroying my credit.  I filed a dispute with the 3 credit reporting agencies.  XXXX has deleted Lending Club from my file.  XXXX   and XXXX have not as of yet.  If my name was used, it was used without my permission or knowledge.  I didn't keep a list of all dates and times but here are a few:  XX/XX/XXXX spoke with XXXX.  He did tell me the loan began XX/XX/XXXX.  I asked for the time and IP address and he said it would be sent to me.  He forwarded me to someone else.  I left a message but received no call back.  XX/XX/XXXX spoke with XXXX.  He said it was being investigated and someone would call to ask me questions.  XX/XX/XXXX spoke with XXXX.  She said the account was determined to be mine.  I asked how that was possible since they were supposedly investigating and someone was supposed to talk with me.  She said she must have made a mistake and someone would call me.  XX/XX/XXXX spokje with XXXX.  she said someone would call me.  Later in the month, the fraud specialist called to tell me I was responsible because it was a joint account.  My attorney is XXXX XXXX, XXXX.  Please advise.
Consumer complaint received 2021-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

I became unemployed and took a forbearance with my mortgage company Loan Care. I came back to work in XXXX and by XXXX was ready to resume payments starting in XXXX for concern of the amount owed. I was assured I would not lose my home and was given information about a deferment and placing the owed amount on the back of my loan. They were supposed to reach out and never did. I called back numerous times, each time receiving different information. I was told a deferment was not an option for me and that a supervisor would call. I have called each month trying to get accurate information until I called once again in XXXX and was told I needed to submit a mortgage assistance application. I have and they have since given me the run around and made me provide tax information for XXXX and XXXX, which have nothing to do with COVID or unemployment. I called again Friday XX/XX/XXXX and they made me print the return and sign and date it and then fax it. I had already emailed them PDF copies but the representative stated they needed proof from me it was real with a signature and date. I told the representative due to the COVID relief package my mortgage is able to move the amount on the back of the loan and he stated they are the ones that make that decision. I let them know they are not above the law and I know my rights and will seek a lawyer if need be. The way this company is treating someone who has been trying to pay since XXXX is not okay and they need to be addressed for the added stress of the process of doing things " their '' way.
Consumer complaint received 2019-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Assurance Professionals LLC (TN)

My ex-wife took my daughter to the eye doctor.  The eye doctor charged an exorbitant amount for a check up.  I paid the collection agency a reasonable amount and per TN law they have been paid in full as they negotiated the check. They are in violation of the law by reporting bogus information to the credit bureau in an attempt to make me pay an amount I do not owe and never owed.  My ex-wife took my daughter to the eye doctor not me.  I never agreed to pay any amount prior to my check dated XX/XX/XXXX for a charge from XX/XX/XXXX.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (CA)

This is regarding a transaction with XXXX XXXX XXXX XXXX I have a one year contract with them. The contract number is XXXX I wanted to use my home warranty plan to cover the cost to replacing my kitchen faucet which had started leaking. I had purchased my own faucet that I wanted to have installed in my kitchen. I contacted XXXX XXXX XXXX XXXX about this and they created a work order for this job. The work order number is XXXX XXXX XXXX assigned this plumbing job to one of their in-network plumbers called XXXX XXXX XXXX and XXXX ''. The date of service was XX/XX/2022 The plumber arrived on the day of service and he indicated that he could replace the leaky faucet ONLY with the replacement faucet that he carried with him and not with the one that we had purchased/wanted. 

We did not like the style/color of the faucet that he carried with him and and since he would not agree to install our chosen faucet, we told him that we did not want his services. 

The plumber left without doing the job but I received a bill from XXXX XXXX XXXX XXXX for the service fee ( {$85.00} ) I tried calling First American but their wait times are too long. I also wrote a letter to them explaining this situation. I have not received any response yet. However, XXXX XXXX has transferred this case to one Debt Collection Agency ( A.R.M Solutions Inc ) and that company keeps sending me mails about outstanding debt.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have 5 missed/late payments on my student loans which is inaccurate! I have been deferring my loans every year on time since I have been out of school. I should not have any late payments at all. There is also some information that is reporting different on the different credit bureaus. My accounts are incorrect and reporting differently which is confusing and misleading
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America keep sending promotional email to open small business banking and by maintaining $ XXXX balance for 60 days will receive reward {$500.00} or $ XXXX will receive {$750.00} and need to make 5 transactions, which I did. 

Unfortunately after going to the branch and calling the customer service, everybody always take note and said will do some research about it and never come back as if nothing happens. 

It is not fair that even until today Bank of America is still sending promotional email saying will give cash for opening account but didnt honor it after 60 days. 

The account is just checking account, no interest paid or anything and on top of that we have to maintain a big amount to make sure we can get the cash reward which then is not honored. 

It is very manipulating to entice a XXXX XXXX XXXX  to open account and maintain balance so that it looks like their business growing for the quarterly report but not honoring the reward. It is a manipulation. On top of that none of the customer service seems to understand what's the deal and always take note and promise to come back but never did. 

I felt cheated as it took me a lot of effort thinking to earn the reward but then seems like nothing and nobody care at Bank of America. It is a big company and we sound just a joke to them.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

TransUnion delete 3 collection accounts that after an investigation dispute XXXX and collector fail to provide proper documentations to validated the debt and Collectors report only to XXXX XXXX and delete this accounts I contact XXXX and XXXX to investigate why collectors did not report properly to the other credit bureaus to delete the accounts and dispute was summit it and never received no documentation under section 623 My compliant is to correct and update this information properly to all credit bureaus and delete this inaccurate accounts that dont belong to me Midland funding LLC Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX used credit Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX XXXX Account # XXXX Deleted on XX/XX/2020 by XXXX
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (CA)

This HORRIBLE company has repeatedly tried to contact me on a debt that is not mine for {$1300.00} I've sent them a letter via CERTIFIED MAIL/RETURN RECEIPT they received on XX/XX/19 asking them to stop calling me and to prove the debt is mine. They have failed to provide me with a signed contract with my signature that shows I entered into any contractual agreement. They have sent me a very graphic and threatening text message to try to scare me, to my phone, with continued phone calls, false reporting on my credit reports, contacting my relatives, and other third parties. including getting robocalls. 
You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
I intend to follow through with the suit if I do not hear back from you within 15 days.
Consumer complaint received 2017-12-19
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. (TN)

XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Consumer complaint received 2020-12-08
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: ALLY FINANCIAL INC. (NC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.