davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

XXXX5 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title.

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

*Capital One is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. Capital One, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, XXXX, Capital One, wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. Capital One never informed me of my right to exercise my non disclosure. 

XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2020-05-17
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. (IL)

On XX/XX/20 I received a credit report from Equifax and XXXX stating verified of inaccurate accounts still being reported on my file. I received a summary of credit scores from XXXX. 
They all failed to send me a copy of a signed contract I have requested the have violated my rights as a consumer. 
I am asking it be removed from my credit file
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (CA)

I had a mortgage with XXXX XXXX XXXX and they granted a 3-month forbearance due to the coronavirus. I received notification that the forbearance was granted, yet I got a message that they sent a bill ( during the forebearance ). Then they sold the mortgage to My Loan Care. I called XXXX XXXX XXXX  to ask them to send accurate information and they did not, instead they reported me to XXXX. Then I received notification that My Loan Care had transferred the forbearance, today, I received a letter from My Loan Care saying that I'm two months behind.
Consumer complaint received 2016-07-12
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Big Picture Loans, LLC (FL)

I borrowed {$600.00} from BPL and during the initial process I was told that the pay back balance would be {$810.00} with a monthly installment of {$210.00} via ACH payment. To my surprise BPL took the installment on every pay cycle that is the XXXX & the XXXX and the overall installment would end in 2017. So far I repaid {$630.00} and they advised that the pay off is in fact {$810.00} and the installment would incur fees which was never explained to me at the outset. I consider this evil and would like the Consumer Financial Protection Bureau to help with the following : 1.misleading information about due dates, fees, and total repayment amounts 2.incorrectly stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge.
Consumer complaint received 2024-03-07
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

In XX/XX/2023, Rooms to Go and BrandsMart who bank is the same, Synchrony Bank closed my store credit card. Rooms to Go limit being XXXX and BrandsMart being XXXX. I have never been late. I have always paid more that the minimum payment and paid in full even before the promotional offer expires. The reason that they have provided of closing the account is unacceptable, which they say was due to randomly checking my credit, since I only granted them permission to check my credit one time and that was the time in providing me with the initial credit. Now these closed accounts sit in my credit profile and have decreased my score. There was no communication or warning that this was being done or about to happen. When I went to purchase an item that is how I was being made aware of the closure.
Consumer complaint received 2020-05-17
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: Navient Solutions, LLC. (VT)

Some time in XX/XX/2020 I placed a call to Navient inquiring about an education loan that was showing up on my credit report. I gave Navient my information and they were unable to locate an account. The representative was able to locate an account when I gave my social security number but nothing else matched. I was told I would receive paperwork in the mail and to fill it out and send it back. On XX/XX/XXXX, I sent back to Navient the completed form, with copies of supporting documentation such as my social security card, my driver 's license, etc. 

I heard back from Navient on XX/XX/XXXX asking for a copy of my high school diploma. I got in touch with my high school and all they were able to do is provide me with a copy of my transcript. Being as that I graduated high school XXXX years ago, my high school is unable to re-issue a diploma. Further more, it is not something that they make in-house and would have to find the business that they worked with XXXX  years ago to produce another diploma. They assured me it was a certified copy and that it should serve whatever purpose I needed it for. I sent a copy of the diploma to Navient on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that Navient was unable to verify my claim of identity theft and that the loans were mine. The reasons they gave were that I requested deferments/forbearance/consolidation/forgiveness, and submitted correspondence acknowledging responsibility for the loan. 

On XX/XX/XXXX, I responded requesting evidence and documentation of these requests for deferments/forbearance/consolidation/forgiveness, and copies of any and all correspondence I have submitted that acknowledged my responsibility, and payment history, dates and and amounts of any and all payments made on the loan. I also requested description of the procedure Navient used to determine thevalidity, accuracy and completeness of the student loan such as the school name, address, name of person contacted, and telephone number. 

On XX/XX/XXXX, Navient sent a letter stating that they were unable to confirm my claim of identity theft/forgery for the following reasons : requesting deferments/forbearance/consolidation, not receiving requested documentation to substantiate claim, and that I expressed interest in enrolling in alternate repayment programs. 

I need help. It seems like Navient is looking at me as a person with a genuine and legitimate concern. I only receive form letters saying the same thing over and over. I have sent everything they have requested but there is no acknowledgement of these documents. The loan does not belong to me and I need help just getting them to listen and look at all the evidence I have provided. I was not even in US during the times Navient said these loans were borrowed.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Remex, Inc. (GA)

I contacted the Remex to settle the debt of {$540.00} as I need this removed from my report. I logged onto my account screen, but it does not show them as holding this debt. I contact all XXXX credit bureaus, but they have not removed it. So, now I have a company misreporting and none of the agencies will remove the debt
Consumer complaint received 2024-03-05
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 ()

Reference ID : XXXX Having held my PayPal account for over a year, operating as a freelancer on platforms like XXXX and within various XXXX groups, diversifying my payment collection methods is crucial for serving my customers effectively. 

On XX/XX/2024, I received an email from PayPal requesting specific information : 1. Business License Copy : I informed PayPal that as a freelancer, I am not obligated to possess a business license. 2. Bank Statements : I submitted both my XXXX bank statements and proof of account. 
3. Proof of Purchase from Supplier : All invoices were supplied by XXXX, and I provided evidence of these invoices. 
4. Explanation of Business Operations : I promptly responded with proof and screenshots of my XXXX account profile, where I have earned over {$20000.00} as a fully verified freelancer. 
All necessary documents have been diligently submitted, with additional tracking information provided where required and deemed necessary. 

On the XXXX, upon logging into my account and verifying that all required information had been successfully submitted, I was startled to receive an email approximately an hour later stating, " Based on the information we have today, it looks like there was activity on this account that we can not support because of the information in your consumer credit report. ". 

This revelation raised concerns, as I am a XXXX national and i live in the XXXX and do not possess a consumer credit report with any bank or organization. 

Seeking clarity, I promptly contacted my bank, which confirmed that no such consumer report existed. Consequently, I am inclined to believe that this issue may be an error, and I am eager to have it rectified swiftly to restore my account to its proper working condition. 

As a result of PayPal 's actions, I was compelled to refund over 21 transactions on XX/XX/2024. 

I am attaching my XXXX bank account, my XXXX invoices used to bill my clients for your knowledge.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

I was trying to set up a XXXX XXXX account for my online store. While doing so, I saw an advertisement on XXXX around PayPal integration through the use of PayPal Payment Pro to accept payment through the selling platform on Turbify. Since I already had an existing XXXX old PayPal account that is used for transactions, I decided to integrate it directly. In fact, I called customer service ( Thursday ) who assured me that this would be fine and that integration would take 2-3 days. 

Today, to my shock, I got an email with the message that You cant use PayPal anymore. On the basis that my account is inconsistent with our ( PayPals ) User Agreement.Through this, they are no longer allowing me to purchase or receive money. In addition, they mentioned they are going to hold money in my balance for over 120 days. 

My account manager, XXXX XXXX, who supposed to help me set up the account has since never responded. Despite me calling and emailing multiple times for updates, he never given an answer. Ive even called in to customer service directly multiples times, but no one has been able to provide an answer on why my account was essentially closed and why my funds would be held. XXXX representative even told me that my account was perfect, and that the reason for the account closure was confidential. I have since also filed an appeal, but this is a directly account my business operations.I want an answer on why my account is being restricted and the specific reasoning. I have been using PayPal, this account specifically, for over 18 years and its completely wild that they closed my account for no reason. I have also checked the terms of service and user agreement as specified, and nothing Ive done goes against their terms. 

Reference number : XXXX
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ability Recovery Services, LLC (FL)

The collection agency received a debt from my college that was supposed to be paid by financial aid. I called this morning. Without verifying my information ( other than my name ), the collector gave me the information, and then was very verbally abusive, rude, and even threatened to end the call. She refused to send me information stating that she would delete from my credit report even though she advised that she would over the phone. I advised her that she had been calling a number that was similar to my mothers number, but not hers. ( I have had the same number for 13 years ) she advised that I should have updated the information with the school. I tried to explain that I already had my degree and that I did n't know I needed to update the information. I never expressed a problem paying just wanted to have proof that what she said would happen would happen before I paid and that I had record since correspondence and calls were apparently going to the wrong place. She was very hostile. She refused to let me talk to someone else. she threatened to hang up in my face. She told me that she could email me if I paid when I asked for something while on the phone she started yelling at me for my address. I tried to redirect a few times to calm the call and she continued abusing me and threatening to hang up because I was not going to have it my way. I advised her that I was a bill collector and she advised me that I should know the fdcpa or something of that sort. Her name was XXXX and we spoke today at between XXXX and XXXX am today. I tried to explain that this was supposed to be paid by financial aid.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Dear Sirs : I am writing to you to ask for your help. I am a victim of a fraudulent hack. I managed to get it all resolved but for XXXX of XXXX transactions on PayPal. As you may know, it is impossible for a regular consumer to get through to a higher up when trying to get resolution. I have submitted my claim twice and twice denied. 
I have been a customer of PayPal for 20 years, nearly since its inception, without incident. With so many data breaches around the world, I became a victim. On XX/XX/XXXX, I saw unauthorized transactions on my bank to PayPal. After alerting my bank, I called PayPal. First call : dont worry, we hold on to the money, your bank will contact us nope. Second call 2 days later : oh, you have to open up a claim. I itemized the fraudulent charges and carefully indicated authorized charges. Both authorized and unauthorized charges were put on claims, didnt listen to me. Third call : I had them correct the claims. Fourth call : charges denied, refile them. Fifth call : charges denied again. By now, the money is long gone. PayPal has done nothing to protect me from fraud and being hacked. They dropped the ball continually with their out of country poorly trained customer service. I also believe their review systems are unsophisticated and do the most cursory reviews. Hackers are much smarter that PayPal. The charge is a payment to XXXX XXXX in the amount of {$990.00}. Transaction number XXXX. Please help me to process this fraudulent charge to get it reversed. Thank you so much.
Consumer complaint received 2020-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (GA)

XX/XX/2020 at XXXX I made transfer Walmart to Walmart online using XXXX XXXX. My wife was already there to pick up the money but was told I needed to call to verify info first and the amount exceeded the amount allowed to be received. At this point I called customer service at XXXX XXXX  to cancel the transaction I was told I couldnt cancel transaction because u needed to verify info first so I was transferred to department for verification and was on hold for over 3 hours. Once I finally verified all info I cancelled transaction but was only refunded partially due to not canceling in required 30 minutes although I was not allowed to. I have recorded communications where customer service representatives misrepresented themselves as supervisors and refused to transfer calls and terminated calls although issues were not resolved. I have made dispute with my bank and am requesting full refund for XXXX due to not being able to cancel Im 30 minutes when I was told I couldnt. These tactics used are equivalent to sales fraud and the customer service representatives handled this poorly and were very disrespectful
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am filing this complaint because Transunion LLC has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that XXXX abides by the law and provide documentation or delete immediately. 

Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : # XXXX
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I paid XXXX by check and advised them i would not use my USAA Visa credit card. I gave them a check for {$720.00} dollars .I then called XXXX XXXX ( XXXX ) XXXX XXXX EMAIL XXXX because they charged my credit card and i never gave them my card. If you XXXX complaints about XXXX you will find many complaints about them. I am XXXX and not demented at all. XXXX said you did give me your credit card. I then emailed him all of the complaints about XXXX. 
I have a USAA Visa credit card and i wrote a detailed complaint. USAA 's computer bounced it back at me stating " it is too lengthy. I then received a letter saying that my dispute was denied because i did not give them enough information. I then wrote a letter to the CEO Mr. XXXX he had XXXX XXXX ( XXXX XXXX XXXX ) Customer Advocate EXT.XXXX. You must say " extension '' after the options end. 
call me. She argued the The Fair Credit Lending Act did not apply to this case. I then discussed this with my banker and she said that usually THE MAX one should be paid per The Law and usually it was nothing. 
I called back XXXX and she said " they do not think your case is valid '' .The " they '' remained confidential. She stated i owed USAA Visa {$380.00}. I see both XXXX ( i reported them to Florida State Attorney general ) and XXXX as scamming a senior citizen. In Florida that is a 3rd degree felony punishable by a {$10000.00} fine and up to 5 years in jail. I am reporting USAA Visa because when i XXXX USAA complaints i found a flood of complaints. I have been a USAA card holder for many years. I am a retired XXXX  XXXX XXXX XXXX XXXX with decades of service. I ask for you help with this problem because if i do not pay the {$380.00} they will damage my credit.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This credit reporting agencies has not properly verfied this account belongs to me by getting the creditor to validate information with proper documentation showing this is my account. Because the creditor havent send me proper verfied document. And proving that i have a contract with XXXX.
Consumer complaint received 2024-03-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I received a call from the debt collector trying to verify my information regarding a debt I was told I owed. they wanted my SSN # dob, etc. which I would not give because I didn't know who they were. I advised them to send me the information they had on me to the address they had on file for me. I received the letter with me name on it. First it's for an apartment I've never rented in a city I don't live in and they sent it to me home address which tells them I've never lived in the city. I was told to forward my mortgage, SSN # and dob to prove it wasn't me that rented the apt . I have lived in my home for 22 years and never lived in XXXX. How can we get this cleared and my name taken off or my contact info if it was another person with my name which would have happened and the debt company looked up all the persons with my name and just sent me the letter trying to find the right person which is not me.