davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I accidentally sent a transaction to the wrong friend 's account. Once I realized the mistake ( a few minutes later ), I asked him to send it back. He told me the money was not in the account. I contacted XXXX  to ask them to reverse the transaction. They told me they needed my friend 's permission since my transfer went to an " active account. '' My friend contacted XXXX while I was talking with XXXX   and gave them permission to reverse the transaction. XXXX  explained to my friend that his account was " frozen '' due to a negative balance as a result of prior transactions that XXXX  could not recover from his bank. XXXX  's payment system " automatically '' applied my payment to my friend to his debt being held with XXXX. I've called XXXX  to ask them to credit my account and revise my friend 's balance with them, which would make things right between all parties involved. XXXX REFUSED. I escalated to a supervisor twice and each time XXXX  's representatives told me my only recourse was to hound my friend in person or outside of XXXX 's service to get reimbursed. I find it unacceptable that XXXX has no process in place to protect users of its services from mistakes or human error, or that they could contemplate running a payment service transacting in billions of dollars per year with absolutely no mechanism to reverse incorrect or otherwise misplaced transactions. I've paid XXXX for their services and have an account in good standing and I think I should be entitled to some process or claims procedure to have my money reimbursed. XXXX  can still pursue debt collection of my friend in any way they see fit, but " automatically '' applying payments received by an " active '' but " frozen '' account and then claiming to have no way whatsoever ( I asked specifically for a room of humans to get involved and make a decision and they said no ) to reverse the transaction is unacceptable. 

On top of that, I suspect this practice violates a number of debt collection laws. My friend attests that he was never made aware of XXXX 's holding of a negative account balance against him. When he logs in to his account, it displays {$0.00} and not a negative amount. XXXX  representatives told me it was a common practice to take any deposits coming into an account and apply it to negative balances held first. I said that this is not the same as my friend making a deposit on a power bill in arrears. They took my money and used it to pay down my friend 's debt, all without me or my friend knowing!! That has to be violative of a number of rules and regulations, and if it isn't, IT SHOULD BE!
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank offers an XXXX XXXX XXXX and they advertise that they will provide XXXX  XXXX reward points for all spend at XXXX online or instore. Upon an audit where I thought I should have more points than they are allocating, I see that they have only been providing XXXX  the points for my spend at XXXX. I primarily only use the card for XXXX purchases. I realize its net spend ( exc taxes ) but they are not giving me the correct amount of points. I went back to XX/XX/2021 as this is as far back as I can go, and there were never XXXX points provided. I have copies of my points account and my credit statements to show spend was at XXXX. By my calculation, I should have another XXXX points. I dont believe I have ever received the correct points, even going back beyond XX/XX/2021. This is false advertising, plain and simple. If they only want to provide XXXX points, then change their site. I have contacted them on several occasions and they state they will look into it and then ignore me. I Lodged a complaint with the XXXX  and they ignored that too and XXXX  closed the complaint. XXXX themselves do not take any responsivity as they do not run the credit program
Consumer complaint received 2021-06-25
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 (WI)

On or around XX/XX/XXXX " permanent limitation '' was placed on my PAYPAL account which locked me out and stated that PAYPAL has mandated to hold my funds in amount of {$730.00} for 180 days. I tried to contact the Resolution Center to no avail. I called on XX/XX/XXXX and again XX/XX/XXXX. Nobody could tell me why my account was locked other than told a machine algorithm determined I am a permanent risk. There was no way for me to prove my identity, get a case opened, submit documentation or get help to resolve this problem. This is a mistake. I have had this account with absolutely no problems or issues for 20 years, since XXXX! I have committed no fraud and am a law abiding citizen and small business owner. The random action by PAYPAL has harmed my ability to conduct business. I am the sole proprietor of XXXX XXXX, XXXX XXXXXXXX ( my professional name ) and I lie awake with worry about the future. My PAYPAL and business email is XXXX XXXX
Consumer complaint received 2019-03-15
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)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX XXXX/XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX - XXXX XXXX XXXX XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (NC)

The debt was paid XX/XX/16, they are telling me that I need to wait two more years for the account to be dismissed, which never happened before, if the account is paid in total, companies immediately accept the dispute and erase it. 

Here is the accurate information for you to help me out, I need to repair my credit. 

FRANKLIN COL ( XXXX XXXX ) Account # XXXX Account Rating XXXX Original Creditor : XXXX XXXX ( utilities ) Remarks : XXXX XXXX Amount Placed : {$110.00} Opened : XX/XX/16 XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Respecfully XXXX XXXX
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Account opened XX/XX/XXXX. 
Fraud occurred late XXXX. 
Company notified ... couldnt make payments for several months. 
Police reports submitted : all late payments reported to credit bureaus and then listed as charge off. ( Despite what they knew! 
Contacted in XX/XX/XXXX again explained situation and asked how to remove from reports. Was given a payment option. Made payment with promise of removal of charge off and late payments from report. 
They did not remove. I did pay. 
Ive been calling and writing them for over a year and still nothing.
Consumer complaint received 2024-03-04
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)

On XX/XX/2023 i send your company a dispute letter which its being completely ignored .By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only XXXX percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, Citibank closed my XXXX XXXX XXXX XXXX XXXX Mastercard account. 

On XX/XX/XXXX, Citibank closed my XXXX XXXX XXXX XXXX XXXX Mastercard account. 

On XX/XX/XXXX, Citibank closed my Citibank XXXX XXXX Visa. 

When calling Citibank customer service, no one could give me any information over the phone and I was instructed to write a letter to Citibank to obtain the reason why they closed my accounts. In addition, I received letters from Citibank stating that I may request a statement for specific reasons for the action taken to close my accounts in writing. Per the letters, upon receipt of my request Citibank stated that they would send me information in writing within 30 days. 

On XXXX, XXXX, I separately sent letters XXXX letters to Citibank requesting information about the XXXX   accounts and on XX/XX/XXXX, I sent a letter requesting information about the XXXX XXXX Visa account. 

After 30 days, I never received a response. 

On XX/XX/XXXX, I send a letter via certified mail requesting this information again and I still have not received any information. Per the U.S. postal tracking system, Citibank received the letters on XX/XX/XXXX. 

My credit score is exceptional and I was never was late or missed any payments. 

Additionally, based on my discussion with Citibank customer service agent, by Citibank closing my account with no logical explanation and without any notice, my XXXX cash rewards funds were forfeited by their unilateral actions. I consider this action to be both unethical and without merit. I have demanded that my XXXX cash rewards amounts in excess of {$1600.00} be remitted to me immediately. I have been using the XXXX card for many years and have never been late on any payment and have paid my balance in full every month. My card and the card in my wifes name was being used for substantially all of our purchases on a daily basis and we use this card almost exclusively to earn this cash rewards rebate..
Consumer complaint received 2019-03-15
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: ENCORE CAPITAL GROUP INC. (NY)

In XX/XX/2019 XXXX  came back to me with the infornation from MIDLAND FUNDING HAS VERIFIED the information ... 
Why do I have to notify you that its a VIOLATION of the FDCPA to report a collection with PAST DUE BALANCE ... 
I will attach the report sent from you where you MIDLAND FUNDING has " VERIFIED '' the violation to XXXX.. 
WHY ARE YOU REPORTING A PAST DUE BALANCE IN A COLLECTION? .. THIS IS A VIOLATION OF THR FDCPA AND MUST BE DELETED FROM MY CREDIT REPORT ... 
I am asking to remove for violation MIDLAND FUNDINGXXXX reporting a past due balance is a Violation FDCPA. 
You are gon na see the the before and after the investigation in the report showing the past due balance. 
Also, MIDLAND FUNDING is reporting a 1 month term.. 
XXXX send a letter indicating they will not re-investigate but why should you investigate when I provinding with proof of the report? ...
Consumer complaint received 2022-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

A complaint not being only submitted to this request under the TILA AND RESPA AND QUALIFIED WRITTEN REQUEST FOR ALL INFORMATION REGARDING THE ACCOUNT AND ALL FEES AND PAYMENTS MADE AS TO THE TRANSFER DATE OF THE LOAN FROM XXXX XXXX  XXXX XXXXXXXX XXXX  TO THE CURRENT XXXXXXXX XXXX XXXX SPECIALIZED LOAN SERVICING. THUS THE AMOUNT PAID AND ALL FEES CHARGED WITH ALL REASONS AS TO THE CHARGES AND FURTHER THE DEBT WHICH WAS DISCHARGED AMOUNT AS ON THE LETTER RECEIVED RECENLTY AS TO THE PAYMENT AND STATEMENT THAT WAS NOT TO BE SENT AND NOT KNOWN THE DEBT FOR THE BANKRUPTCY FILES WERE NOR PROVIDED WITHIN THE REASON FOR NOT ALLOWING ANY STATEMENTS BUT ONLY WILL BE AS A REQUEST. THUS AS A REQUEST I AM ASKING FOR THE DOCUMENT THAT PROVIDES THE DISCHARGED DEBT AS TO THE MORTGAGE OF THE SUBJECT PROPERTY AND THE EXACT AMOUNT AND DATE OF THE DISCHARGE IN THE FILES WITH BOTH XXXXXXXX XXXX XXXX XXXX  LOAN
Consumer complaint received 2022-01-19
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. (NJ)

XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX DE - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXXXXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX  XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXXXXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-04-08
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. (NY)

Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from XXXX XXXX XXXX in regard to a CD account I had with them. 

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the 30 & 60 day late payment on my report. 

I spoke to the dispute department @ XXXX XXXX to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I ordered my free annual credit reports from Equifax, XXXX, and XXXX on the same day. The reports from XXXX and XXXX  arrived within 15 days, showing the date ordered ( XX/XX/XXXX ). The Equifax report arrived about a month later, showing the date sent ( XX/XX/XXXX ). When I called asking them to correct that mistake they said they couldn't and I would have to wait until after XX/XX/XXXX to order my report next year. This is unacceptable since it is the first time that all 3 reports didn't have the same date in them. The federal Fair and Accurate Credit Transactions Act provided for these free annual reports and they didn't call it the " annual, plus 25 days '' report. I always order my credit reports on the same day and don't want to delay two reports that come on an annual basis to allow for more than a year for delivery of the third report.
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (OH)

Navy Federal will not refund me money that was not authorized. I disputed a charge in XXXX on my account in the amount of {$670.00}. I have attached a statement containing the disputed charges and have highlighted it. I am a victim of theft and i did not make these charges/debits. I have requested that the aforementioned fraudulent charges be refunded back to me. I have spoke with the bank numerous times and I have also emailed and wrote letters to this bank. I have yet to receive my funds back. I was with this bank for over 20 years and never had any issues until now. I have attached a police report of case number XXXX when this occurred and gave them all other documentation confirming all the information of this charge.Social security number is XXXX
Consumer complaint received 2020-09-22
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. (GA)

To whom it may concern, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from XXXX XXXX XXXX in regard to a CD account I had with them. 

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the 30 & 60 day late payment on my report. 

I spoke to the dispute department @ XXXX XXXX to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX - XXXX XXXX   XXXX XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus  and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2021-06-24
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. (NJ)

I submitted valid Identity Theft # XXXX reports back in XXXX. I also submitted letters expressing my issues with the fraudulent accounts. I contacted the creditors and they were unable to validate these accounts. I am requesting validation of these accounts under the FCRA. I requested my signatures from the creditors and they have failed to produce signed documentation. I went to the NJ Police department filed a complaint. I contacted each credit bureau and they have not removed the fraudulent items.