davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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 ()

Paypal permanently limited my BUSINESS ACCOUNT. 
Here 's what happened : Paypal asked me if I owned a PAYPAL PERSONAL ACCOUNT beside my PAYPAL BUSINESS ACCOUNT. I replied " YES ''. 
Then asked me If I already solved the problem regarding my personal account. I choose " No, because the document I sent is still under review and I have to wait for 5 days. 
For this reason, Paypal limited my BUSINESS ACCOUNT without waiting for the result of my other account.

Paypal took 3 weeks to restore my PAYPAL PERSONAL ACCOUNT.

So I think that it was a mistake on Paypal 's part not to wait for the results of my other account before they limit my BUSINESS ACCOUNT. 
Hoping for that kind consideration to remove the permanently limit on my BUSINESS ACCOUNT because I use it always on my online transactions and this is where my boss sends the money from my weekly work. Thanks!
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NJ)

Hi I called Citi Bank executive regarding my issue charge came wrongly .. I told him this guy was nasty not listening keep on harassment Nd abuse This Citi bank total time fraud for customer
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (TX)

Thursday, XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Chase numerous. I am requesting an adjustment my Slate and Freedom account with Chase. I know this request is unusual, it is ruining my good credit standing. I realize things happen and my bank account has not had a high balance like normal and my utilizations on my credit card was over the limit over a month. If you look at my records, I was always on time and keep money in my Chase account. When Chase closed my account I was sending a payment of {$3600.00}. I plan on meeting with my financial advisor to put more money into my Chase bank account before XX/XX/XXXX. 
I have kept a honest and responsible relationship with Chase and will deposit over XXXX in cash into my bank account before the end of the month. I am requesting that you all re open my Slate and Freedom account. I know this request is unusual, it is ruining my good credit. I have attached statements for all of the accounts that I am requesting to be reopened. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

I do n't know what else to do with Equifax. I disputed XXXX XXXX on my report and the company agreed that I had paid the account and it was closed, as can be seen by the {$0.00} balance and statement. Equifax did not properly update this and is still showing it as XXXX days past due. I complained to the CFPB and received a response saying that it had been looked into and to call Equifax for results. I called for results and the man, XXXX XXXX, that I spoke with told me that they never received a CFPB complaint and that the CFPB was lying if they said that Equifax responded because they did not. He also told me that I was not allowed to dispute XXXX XXXX anymore and just had to accept that it was wrong. This is completely outrageous that they would be allowed to circumvent and lie to a government agency, the CFPB, and knowingly leave mistakes on a person 's credit report. I am outraged.
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I 'm filing this complaint because equifax has ignored my request to provide me with the documents that there company has on file that was used to verify the accounts I disputed. Be that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to '' ... promptly delete all information that can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thanks
Consumer complaint received 2019-12-19
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. (MA)

I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, Equifax and XXXX XXXX collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and XXXX XXXX is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber (NV)

I have asked Grant and Weber to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (LA)

I called the company on XX/XX/2022 and requested validation. I also sent IQ Data International a Certified Letter, dated XXXX XXXX, XXXX  requesting that they validate the debt within 30 days. Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX. The company has yet to respond to my Certified letter.
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP (MO)

According to letters that I received from U.S Bank, I was supposed to receive {$13000.00} worth of provisional credit from fraudulent charges on my account. In the letter dated XX/XX/XXXX, it says, " Please note, provisional credit totaling {$13000.00} will be provided 10 business days after receipt of your OCC concerns, which was XX/XX/XXXX, if the claims are not complete by that day. '' I did not receive the credit that they themselves said I would and it has been more than 10 days. In a previous letter from XX/XX/XXXX that I received in the mail, it said that they would need the claims in writing which I provided, but they did not give me proper time to submit them in writing seeing as they said they must receive them in writing 10 days after initiating a claim.
Consumer complaint received 2022-11-15
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. (NV)

A few months back I tried applying for a home through a FHA program and was denied. I pulled my consumer report and noticed I had inquires that were not authorized by me or from me. The inquires are as follows ... Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ). I tried disputing with Equifax and was told to contact the creditor. I got no results from the creditor and tried having Equifax reinvestigate my dispute and they told me to file a CFPB report and or police report and a FTC report and send it in. It is XX/XX/XXXX and ive yet to receive the satisfaction of my disputes.
Consumer complaint received 2021-12-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (FL)

I wrote letters to Nelnet LNS, XXXX, XXXX and XXXX about inaccurate items on my credit report including duplicates with both accounts. I didn't get a response after 30 days about the inaccuate information.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I already sent report to FTC with FTC report # XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX  XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$590.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} ; MEDICAL XXXX Balance {$690.00} ; MEDICAL XXXX Balance {$3300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-12-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jon Barry and Associates, Inc. (MS)

on XX/XX/2016, I disputed a medical bill debt with Paragon Revevue Company with the XXXX credit bureaus and the debt was deleted.. I have recently received a copy of my credit report and Paragon has re inserted the debt back. Paragon is a third party collection agency and they have put the debt back on just under a different name. I am asking that the collection mark be removed from all bureaus immediately. They were given thirty days to respond back to the disputes.. The company has violated all Hipaa laws as well as debt validation requests.. I am asking for the prompt removal of all inaccurate accounts from this copany and the debt owed was paid in full from an insurance claim..
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (ID)

I received a notice in the mail from the municipal bureau services in New York about a ticket that I received while I was still a minor and its about {$30.00} less than what the original ticket stated. They told me that my drivers license would be suspended if I didnt pay this off but it doesnt show up on my credit report. I already paid XXXX $
Consumer complaint received 2016-09-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

We have our home loan with bank of America as we have a grace period on when it has to be paid before a late fee is added & we get phone calls from them all the time asking when payment will be made as we tell them we have till a certain day to get it paid so why are you calling us & they say to get payment - hello were still in our grace period.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rodenburg LLP (MT)

XXXX turned me in to a collection debt company and I have signed an agreement to pay them XXXX a month. 
I mailed a check and sent it back to their lawyer office and just today they labeled me as an uncollected and loss to the company to XXXX. It lowered my credit score. What can I do to get it removed since I already started to pay it off with Rodenburg law firm.
Consumer complaint received 2021-12-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

Hi whats going on? My name XXXX XXXX and my SSN is XXXX l and I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but its seems youre taking things lightly. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you
Consumer complaint received 2016-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

Navient continues to contact my co-signer and me several times per day at least 2 - 3 times a week. I have reported them to the XXXX as well as asked them to stop calling so often. They will even call from different numbers starting as early as XXXX. and " ending '' ( if you will ) as late as XXXX. I know that I 've been late but it appears that very often the late charges increase the pay-off so it 's difficult to get ahead. However, the harassment and constant phone calls must stop.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

On XX/XX/2021, my account was at a - {$360.00} due to several refunds and payments that were applied. My statement closing date for that month is XX/XX/XXXX. Since my account was at a negative, I requested I be reimbursed the - {$360.00} via a check, which was sent to me via mail. I did receive the check, although I've yet to cash it. 

On XX/XX/2021, Discover added the {$360.00} back to my balance for XX/XX/2021 's statement. This makes 0 sense to me. I was owed a credit/refund, but now I owe Discover the money back? 

If I were to make a purchase at a store and decided to return the item for a refund, I wouldnt then pay the store in the amount of the credit that was owed to me. I dont see how it would be any different for Discover. 

I asked XXXX supervisors to investigate, but no one has provided me with a satisfactory answer.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (CT)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a XXXX XXXX XXXX was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2015-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (WA)

I am being told that I had a home phone through att and that the bill was paid religiously on time every month. well for one if the bill was paid every month how is there a amount owed. and how do i have a bill when i never had att. I have had cell phones for the better part of 10 years through XXXX and the only home phone i ever had was through XXXX. also on my credit it states that the account is closed but another area says it is open. I want this off my account asap.
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (IL)

I contacted Flagstar Bank, the holder of my mortgage, on XX/XX/XXXX to discuss refinancing and spoke to XXXX XXXX. We verbally agreed to pursue a refinance and I applied, sent in documents, etc. Due to long delays in communication from XXXX, and the loan processor XXXX XXXX, my closing was not scheduled until XX/XX/XXXX. I was already very frustrated at this point as waiting for the refinance to close was negatively affecting my overall finances. However, two hours before closing, I was notified that Flagstar did not have the final closing disclosure ready due to still not having the payoff document from my HELOC ( which was their responsibility to acquire. ) We had to cancel the closing and now, XX/XX/XXXX, two WEEKS later I still do not have a rescheduled closing. My credit score has dropped while I've been in this financial limbo, rates have risen, and Flagstar 's incompetence has XXXX XXXX XXXX
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (MN)

A few months ago I took out a {$500.00} XXXX XXXX MoneyLion loan. Upon taking out the loan they only advanced me {$120.00} of the alleged {$500.00} loan, and stuck the other {$370.00} into an " escrow '' account that I can not withdraw from until my loan was paid off. Last Thursday XX/XX/2019 ; I paid off the entire balance using my debit card ending in XXXX for {$380.00} at XXXX CST. According to the terms of the payoff, if you use your debit card, the funds from your escrow will be immediately available in your MoneyLion checking account. 
Well, my funds were not. I contacted the company now 3 different times and have been told a plethora of different reasons. I heard from the first call that the issue was on " MoneyLion 's side '' and that they would have to submit a ticket to the engineering team. On the second call on XX/XX/2019 ; I was told that it was submitted and I would get my funds. Today I checked my account and there is no money and the escrow account is still showing my balance of {$370.00} which is MY MONEY. 
Today I have asked for a supervisor several times as I did on prior calls and was refused the supervisor. I am instead placed on hold exceeding 30+ minutes straight until my life makes me hang up due to an onslaught of frustration.

This is FRAUD. MoneyLion has no contractual ability to hold my funds and yet they are not responding to requests to give me my money back. I want the feds to investigate them. A simple XXXX search shows a multi-million dollar class action against them for fraud and theft. 
They should not be able to operate in this country period!