davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Neon Newco Corporation (LA)

I received a direct deposit on XX/XX/2024 onto my PayPal account now l received a message that my transfer was successfully but I never transferred no money I contacted the card my PayPal account linked to which is PayPal Prepaid No Funds she it couldn't have posted yet she didn't see anything I waited till that Monday still no money now I'm trying to reach out to PayPal customer service can't get in my app password was reset still calling finally I reach a representative she recover my account reset my password I gain access to my account I explain to her that my direct deposit was transferred the only card I have on file was XXXX No ma'am Card ending in XXXX XXXX XXXX all I know ok file an appeal go to the resolution center in the app check for updates on your claim I get an email go to PayPal message center I'm locked back out my account back to the phone now she helps change email removes unknown phone numbers tell me that the XXXX ending card been removed but denied my dispute no suspicious activity WHAT? IM VERY UPSET IM MESSAGING THEM IM CALLING IM COMPLYING WITH THEM now I got ta wait on a appeal decision to DENY me again I've been patient I'm bout to be no lights no water and homeless I need my money please PayPal is 100 % Accountable I trusted them with my money that's y'all job to notice usual actions I'm contacting y'all after every email of someone trying to login to my account I have never been so stressed out I'm so hurt I'm just so broken behind this I'm reaching out to you today to PLEASE PLEASE HELP ME
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX made a purchase at XXXX XXXX XXXX department store in XXXX, mo. Received by XXXX bill. I made a payment from on line banking of {$100.00} to XXXX. Unfortunately I had XXXX accounts with this merchant ; a store card and a Mastercard. XXXX account was closed. The {$100.00} payment was posted to the closed account. In XXXX when I received by bills ( XXXX account had a credit of {$100.00} ) and the other account was delinquent. I immediately called XXXX. They indicated that the seen the issue and they would re-apply the payment to the correct account. I asked if I should make another payment. XXXX replied no. A few days later I received a collection call from XXXX. I explained the issue to the agent, who indicated that the could see what happened, but indicated that there were no notes on the account. They explained that they would re-apply the payment. I asked about my credit and indicated that they would note account and XXXX5 business days, my account she me corrected. A week later I receive an email from indicating by credit had a delinquency reported due to this past due account. I immediately call XXXX again and demand a SupervisorXXXX. XXXX indicates that the notes show me calling in several times and he was unsure why the {$100.00} was not transferred. He removed all the late charges ( so he explains ) and indicates that he will take care of this immediately. He will also make sure by credit is restored. I told him I would like to pay the card in full and close the account. He indicated it would be best to wait until the account is accurate. I agree. He explains that this will be expedited, XXXX5 business days. He also indicated that he will call me when the payment is posted and credit is restored. I requested a letter that would provide me with assurances that this will not affect my credit or me in any way. I am trying to purchase a house and this can effect by interest rate. To date, nothing has happened on my account. I have exhausted every possible means of getting this rectified. I am not sure how to clean up their mistake. I am getting no where. I recently wrote them and was told I need to contact their customer service team .... 120 days and the payment of {$100.00} is still in their possession, sitting in a closed account. I would like XXXX to correct their errors.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (VA)

Account XXXX XXXXXXXX Account XXXX XXXXXXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

Delete those late dates and update the statuses of the accounts mentioned below. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} and XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Consumer complaint received 2015-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (NC)

This is the XXXX complaint that I 'm filing against United Recovery Services since they started to call me like a fool XX/XX/XXXX at XXXX on my home phone and XXXX cell phones. They called me again today at XXXX on my home phone XXXX time, XXXX time on my XXXX cell phone at XXXX and XXXX times on my XXXX cell phone at XXXX and then again at XXXX. My previous XXXX complaints filed gives you an overview of how I 'm being harassed by this debt collector for some reason. For the past XXXX months, XXXX XXXX XXXX ( XXXX ) XXXX has consolidated and have been getting XXXX debts that I owe paid down, paid off, and resolved. But XXXX of these XXXX creditors seems to me to have taken it upon themselves to launch a retribution, harassment, and spite campaign against me, XXXX XXXX XXXX, or both us the way I see it. The creditor, whoever he or she maybe, is using United Recovery Services as a proxy to harass me throughout the day. All along, XXXX XXXX XXXX has been representing me pertaining to these financial matters for about XXXX months now ... since XX/XX/XXXX/XX/XX/XXXX. I 'm not a lawyer, but I feel rights are being violated by calling me after XXXX, calling me on my XXXX cell phones without my permission, and calling me more than XXXX times a day, sometimes XXXX times a day total. This is illegal and criminal if it is being done intentionally.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2024 I made an On-Line withdrawal from my Home Equity Line of Credit that Huntington Bank did not process. I followed up with Huntington at the branch ( after I was unsuccessful with Huntington Customer Service a several levels to resolve the error ) where another transfer was made by the branch personnel. The original on-line request still appears in the Transactions Pending and has not been cleared and can not be canceled by my action or by Huntington.

After the second withdrawal, the amount appeared in the transferred to Huntington checking account on XX/XX/2024. 
On XX/XX/2024 I initiated a Transfer from the Huntington Checking to a XXXX Checking account. The amount was debited from the Huntington checking account on XX/XX/2024 but has not been deposited to the XXXX Checking account as of XX/XX/2024. 
It is troubling that the Huntington has debited the funds and has not completed the transfer on a timely basis. 
I am well aware that it is practical for funds to be transferred in real time. When transferring funds from XXXX XXXX  accounts to the Huntington Bank accounts, these happen in real time ( immediately ). 
It appears that the Huntington is deliberately withholding the transfer of funds for their profit. 
My complaint is, that this withholding of funds for several days places an undue burden and cost on consumers. in order to access Home Equity Line of Credit funds from my Huntington account, I have to begin the process more than a week in advance ; thereby costing additional interest accumulated on the Home Equity Loan.

Additionally, not having access to the funds where and when needed may cause additional charges to the consumer. 
I believe that the Huntington Bank is negligent and deceitful in holding consumers money by unduly delaying funds transfers between banking institutions for their profit. 

I would ask that rules for transfer be created so the bank-to-bank transfer of funds occur in real-time ( immediately ).
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OH)

On XXXX of 2023, Account XXXX ans routing number XXXX with US Bank under XXXX & XXXX XXXX XXXX 's name was closed. 
Prior to the acount being closed on the same month, a transaction was made, XXXX filed a dispute on the transaction on the amount of {$2100.00} and a provisional credit was placed by US Bank. 
The account was closed a day later after the provisional credit was placed in the account. However, US bank keeps reaching out stating the merchant never returned the money and that I need to pay the provisional credit US bank placed on the account, and that the balance is about to go to collections. 
Reference number : XXXX from XXXX company is who returned the full amount to US Bank on XXXX. 
I will attached the proof, which XXXX provided with more details below.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2015-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: P.S.C., Inc (WA)

Please see the attached letters. Both clients moved from the house, advised the City of XXXX, and then filed bankruptcy. The City of XXXX, WA code does not permit ongoing charges to a consumer for water bills if they advise the City that they are leaving the house and want the water shut off. The consumers did provide such notice. The City has failed and refused to produce its file for this account, and the debt collector, Puget Sound Collections ( or PSC ), and its attorney, XXXX XXXX, refuse to respond for demands for documentation. Additionally, the amounts keep varying by literally thousands of dollars, without explanation.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (MD)

On XXXXXX/XX/year> I realized I made two mortgage loan payments for the XX/XX/year> payment. Both payments each of {$3100.00} were submitted via ACH from my checking account. It took JP Morgan Chase over five days to process the request for a refund of the electronic ACH OVERPAYMENT i made. It wasnt until XX/XX/year> when Chase mortgage processed the overpayment. As of today, XX/XX/year> the {$3100.00} overpayment is not credited back to my account. I have repeatedly asked Chase to locate my money and they suggested I call XXXX a transaction processing company that speaks only to businesses not people. My bank told me the funds were not received. This is causing me hardship because I dont have the {$3100.00} to make other payments. Please request Chase locate my overpayment and credit my account today which is taking too long ; 11 days after my initial request. Thank you.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

1. A small claim in LA Court has been filed with Capital One for providing misleading information on XXXX transaction. The case # is XXXX. Please let me know which person I can serve the legal documents. 

2. On your multiple response, you never explained the voice call I've attached. During the call, the agent from Capital One confirmed with me XXXX is cash transaction and its completed once the money is deposited into the account. 

3. I've been using XXXX to transfer with friends before and never had issues. We can go to the court to request the transcript you mentioned in XXXX XX/XX/XXXX and XX/XX/XXXX. If I wasn't told the wrong information, I wouldn't use XXXX for transfer. Can you please clarify if you believe the attached voice recording is misleading or not?
Consumer complaint received 2021-06-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.
Consumer complaint received 2015-04-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (GA)

I signed up for a US Bank XXXX XXXX XXXX Visa a few years ago. It came with prescribed benefits for paying a {$75.00} annual fee which I have paid each year. I just renewed my annual fee in XXXX and US Bank has removed the best benefit for me. Stay XXXX or more nights and receive your XXXX XXXX free. I have asked US Bank to refund my annual fee since they have chosen not to honor the terms of the agreement I signed up for but they have refused to do so. This is clearly a breach of contract and I am asking for CFPB to get involved. I am attaching XXXX documents that show the benefits as described by US Bank and the statement that all these benefits are included for paying the {$75.00} annual fee.
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pinnacle Credit Services, LLC (UT)

Debt collector continues to contact me for my ex-wife 's debts. I have told them several times over the phone that we have not been married for 10 years and to stop contacting me. Now they are emailing me about those same debts that they have been told are not mine.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA has incorrectly reported the status of my mortgage, since XX/XX/XXXX, to the credit reporting agencies. A " DISPUTE '' dated XXXX/XXXX/XXXX was submitted to BANK OF AMERICA recently. BANK OF AMERICA letter, dated : XXXX XXXX, XXXX, with regard to my Mortgage Account No. : XXXX, stated : '' ... We 've completed a review of our records and have confirmed the information we provided to the CRA is accurate. '' Since their reply is not true, I wish to file a complaint against BANK OF AMERICA with the CFPB.
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (NY)

My fiance and I are in the process of closing on a XXXX bedroom XXXX in XXXX, NY. After doing our research, we chose Citibank due to the closing cost assistance program they offer to first-time home buyers. Since starting the process in XXXX ( 6 months ago ) we have received very poor customer service. Our first representative ( we are currently working with a 3rd set of representatives ) would n't email us in a timely matter, sometimes going weeks at a time without a reply. Since we needed to submit an application to the XXXX board for approval, his delay caused us to miss our first XXXX deadline, potentially having us loose the bid on the property. Since XXXX, we have had multiple errors on our file including address, identifying information, misspelled names, etc. We are now having trouble receiving information regarding our mortgage lock, interest rates and a date to close.
Consumer complaint received 2016-10-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TX)

I am writing to complain about Central Financial Control Agency, CA reporting on the XXXX credit reports that I have unpaid medical payment. 
The balance on the medical bill was transferred to the collection agency by XXXX XXXX XXXX, XXXX, TX XX/XX/XXXX due to an error from their billing department stating that I missed a monthly payment. I had to fax over my credit card statements showing that I made the payment before it was resolved. I asked for my account to be removed from collection, since it was an error on their part but was told that they could n't retrieve it since it was already in collection. 
I started paying monthly payments of {$100.00} to Central Financial Control, CA from XXXX/XXXX/XXXX and made the final payment of {$100.00} for the balance on my bill on XX/XX/XXXX. I asked for a letter stating that I had finished paying the medical bill ; I was told the letter would be sent to my address. I was surprised a few months after to receive a bill stating I was owing another {$100.00}. 
I called several times and was told that a refund was issued to my credit card and that caused me to owe that amount. I told them I did not receive any refund and faxed over my credit card statements showing no refund issued to me. I was told several times that it was being sent to their research department. I never got a response back and called for several months, even till XX/XX/XXXX. 
I felt it was resolved and forgot all about it, until I saw it on my credit reports XX/XX/2016. 
I paid the final balance on the bill on XX/XX/XXXX and do not owe any amount since I did n't get any refund on my credit card as stated by the collection agency. I want the {$100.00} medical item deleted from my credit report with the XXXX credit reporting agencies - XXXX, XXXX and XXXX. 
Thank you for your assistance in getting this resolved.
Consumer complaint received 2015-10-10
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: D. SCOTT CARRUTHERS (CA)

This company has called friends of mine, referrals that I placed on prior application loans and told him he 's an attorney ( although he 's not ... when I spoke with the rep he said he 's with Scott Carruther 's law office ). They 've discussed my debt with other people, they call other people ( friends and family of mine ) on their cell phones and scare them telling them they 're an attorney and that I must call them. They call me several times a day, they 're making false statements, bothering my friends and family. I have never gotten anything from them in writing. I asked them to stop calling me that I 've disputed this debt on my credit report and they said I have to send them something in writing. I 'm about to send them a certified letter in the mail.These people are thugs and no attorney in California who is still practicing should put his name along with these types of blatant tactics that are obviously against the law. They do this to helpless people and think they can get away with it by quoting this man 's name The Law Office of XXXX. and he knows their tacts. I 've read hundreds of reviews from other people regarding him and his obvious and I ca n't believe they 're still in existence and that they can continue to treat people like this. I hope that this organization can do something about this. They threaten legal action saying they 're going to summon me and take me to court on a loan amount that I have no idea {$18000.00} when the original loan was {$5000.00} and half of it which I paid off to them.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In my credit report, under the section '' Employment Data Reported '' indicated i had worked for XXXX '' and " XXXX '', but i never worked for these XXXX companies, and i am afraid someone else use my identities to work for them.
Consumer complaint received 2021-11-05
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 — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CAVALRY PORT XXXX Balance Owed : {$4200.00}