davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANCO POPULAR DE PUERTO RICO (NC)

Since I have been a customer, either my payments are not registered on my account or my certified cashiers checks are placed on hold. The certified cashiers check from XXXX are GURANTEED FUNDS .No one can explain to me why payments have this interference. 

Either my payments are missing or placed on a 5 day hold. I am attempting to use the card but keep a zero balance so I mail my payments in advance.

I am hoping to buy a home and have to keep my cards low or zero balance.

I feel that my account and my person has been " singled out '' by this company.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WV)

We purchased and transferred service to XXXX for cellphones. They assured us we had service in our home town area. After using it for a while, it seemed to go in and out. I spoke with them SEVERAL times regarding this. After speaking with a manager, the manager informed me that we could be let out of our contracts due to our area being a bad spot and XXXX not offering service there. We switched companies and now they are charging us for these contracts that I was promised would be released. I do not owe this money. I have fought with them for years over it and then they placed it in collections and it is on my credit. I have disputed it as well through my credit agencies and they refuse to acknowledge that I do not owe this money. They 100 % gave me that option, I took it to have phones that work for our business and work, and now I have this showing and affecting our credit. I would like this to be canceled from their systems and the debt removed from our credit reports.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MT)

On XXXX XXXX my Venmo account was suspended. I have a balance of {$580.00} in my account so I contacted them almost everyday since as nd everyte they say someone will cont as ct me via email in 7-10 days. It is now XX/XX/2022 and I still can't access my money nobody has contacted me and nobody can help me. I have changed my password and pin I've sent photo id it won't let me add a bank account or update my phone number. I am beyond frustrated I can't get answers and I've lost my job because I couldn't get gas to get to work I can't feed my child.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

Today date Comenity Bank closed an account I am using for lack of use. This cause my credit rating to plummet by XXXX points. I am being punished yet again by action not of my own making. This seems outrageous and unfair. The credit says they can do nothing unacceptable!
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I got my free credit reports this past Friday. My Experian credit report shows an incorrect current employer. I am worried someone has tried to steal my identity. I have tried contacting Experian through phone, calling multiple numbers, at different times. I can not reach a live operator and there is no option on their menu to report inaccurate information. It does not appear possible to contact the company to report a mistake on their report.
Consumer complaint received 2016-05-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I called my current bank to ask for a refinance on my current car loan. I am currently at a 6.9 % with 54 payments to go. I have improved my credit greatly since I took out this loan. They approved my loan and then offered me a rate higher than what I have at the same number of payments left. I did not know a bank can try and put you into a loan that created no benefit and raises my payment and term.
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

Repeatedly I have asked that certain items on my credit report be corrected or removed. This is affecting my credit score and rates of interest being offered by lenders! I have asked the erroneous addresses on my report be removed .I asked that incorrect items that are being reported by lenders/vendors be investigated and corrected, They are : XXXX for {$1000.00}. I changed to XXXX after there was interruption in service due to the weather conditions, but XXXX kept their service going even after I requested it to be turned off. XXXX also kept billing me for a number I had already transferred to XXXX. XXXX staff was paid for service. I asked for them no to deposit the checks I left until next day and I had a chance to transfer funds between accounts. 
Equifax has NOT responded to my request for investigation.
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (KS)

XX/XX/XXXX Received {$500.00} Vanilla gift card as a retirement gift XX/XX/XXXX Tried to use card - it had a XXXX balance XX/XX/XXXX called Vanilla Visa and filed a complaint. Was given case # XXXX XX/XX/XXXX Received claim paperwork - filled it out and emailed right back to the email address indicated XXXX XX/XX/XXXX checked progress on website balance.vanillagift.com- it said they were waiting on paperwork from me XX/XX/XXXX called and representative said that the email XXXX was not good. Send to XXXX AND XXXX. 

XX/XX/XXXX resent my gift card dispute packet to both email addresses. Also am filing this complaint per advice from others on XXXX. : )
Consumer complaint received 2022-02-04
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. (TX)

on XXXX XXXX XXXX closed an account for non use. As a result my credit scored took a XXXX point drop with XXXX and Equifax. Once again I have to deal with a drop in my credit score from action which was not of my own doing. this XXXX adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly and truly deceptive practice. It is absurd that I should be punished for an action I did not take and XXXX allows to continue to happen.
Consumer complaint received 2017-08-14
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: Experian Information Solutions Inc. (LA)

I sent a verified letter asking for verification for numerous accounts on my credit report. I sent letter one XXXX17. I sent letter two XXXX17. I then receive a letter from Experian on XXXX-17 stating they have completed the process of my disputes, and will no longer reinstates these accounts anymore. I did not receive verification according by law 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I did not receive verification from numerous accounts.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (CO)

I am currently having XXXX issues with RCS : 1. Their inability to honor my requests to remove PMI from my loan. I 've sent a couple of requests via fax (?!? ) to their Correspondence Department to have PMI removed since I have satisfied their requirements. At no time have they honored my request and have even told me they never received my last XXXX requests. As a result of their ineptitude the most recent payment for XX/XX/XXXX has not been applied to my account which of course made my XX/XX/XXXX payment late ... here comes another late fee. 2. They received my XXXX payment on XX/XX/XXXX for a XX/XX/XXXX due date and they did not apply it to my account until XX/XX/XXXX, thus making the payment late. They then charged me a {$130.00} late fee due to their inability to apply my payment timely. They are not acknowledging their error and refuse to credit back the late fee.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC (ID)

The collector has called me daily since XX/XX/21, leaving intimidating voicemails saying if I do not call them back, paperwork will be filed with the county. After not reaching me on the phone, they called my husband, who happens to be an XXXX. He attempted to verify that the debt is real. They provided bogus information, refused to provide any information regarding the particulars of the debt ( amount, date debt was occurred, etc. ), were abusive in their communication, and refused to provide contact information for him to send a letter or representation. They argued with my husband, stating he was not a real XXXX  ( he very much is ), and continue to leave harassing phone messages with me, daily. In the messages, they do not identify any information other than they are calling from " MAC, '' they do not indicate they are attempting to collect a debt or anything else that debt collectors are required to do. 

The only information they provide is the company name of " MAC '' and a number, XXXX. They call from a VOIP number XXXX. 

I believe they are using outdated information from my credit that is well past the statute of limitations and manipulating that information to harass and scam me into giving them money.
Consumer complaint received 2022-02-04
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 limit my account for no reason and they won't assist me with this. 
I don't know whether this is some mistake on their part so I accept it must be. 
It's been a month and no clear response from them that they will help me on what to do to fix it. So I recalled that I could send a report here as I was frustrated that they are not doing their job properly and it is affecting me as a great deal as I used PayPal frequently. 
My email connected to PayPal is XXXX.
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

My student loans have been with Navient a.k.a XXXX since XX/XX/XXXX, When I graduated in XX/XX/XXXX, I was told by a representative that I was not allowed to consolidate my loans, do an income-based repayment plan, apply for a forbearance or deferment, or lower the interest on my accounts. Over the past 7+ years, my loans have more than doubled. Going from {$47000.00} ( the original borrowed amount ) to {$97000.00} ( according to the amount posted on their site. ) When I spoke to the representative during that time, I was told that my monthly payment would be almost {$600.00} and I told them that I had only made about {$XXXX} working part time at XXXX XXXX. 
Now, my credit report is severely damaged as each loan is broken down as individual loans and not a consolidated loan.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: RGS Financial, Inc. (CA)

My current contact information is available on any of the XXXX Bureaus. XXXX, XXXX, and XXXX. RGS Financial claims they have sent me via mail the verification paperwork, which is untrue. The RGS Rep I spoke to could not even recite any address that the said paperwork had been sent to. I gave the RGS Rep my current address to forward any and all documents that support their claim ... that this account belongs to me. The RGS Rep was surprised that my address is XXXX, not XXXX. They never sent any paperwork. That would only validate my side. I sent a letter to RGS which I have attached. A second one today. They are in violation of the FCRA guidelines and I need assistance with this problem. In speaking with the RGS Rep he continued to circle back to the same directive, " how would you like to take care of this, XXXX, XXXX? ". I explained that I have never had a XXXX account now or in the past. The time frame they are claiming is only assisting in verifying my claim. They state the account was opened XX/XX/2016 ... well I have been in XXXX, XXXX going on two years. The RGS Rep stated it was an account from XXXX. I was not in XXXX at the time They claim. It is a farce. I would like your Agencies assistance in my request of either getting it removed from my XXXX report or forcing RGS Financial to forward me all the documentation they are claiming verifies this account as mine.
Consumer complaint received 2022-02-04
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. (FL)

I'm writing this complaint and there is no third party involved. This company XXXX, Experian and XXXX XXXX is very deceptive and unfair, they keep ignoring the situation based on the instructions I'm gave them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me. 

This is my privacy and I take very serious and if XXXX, XXXX XXXX and Experian wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. XXXX, XXXX and Experian broke the law and they keep doing stuff 's with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW XXXX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how XXXX often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. They Talk about For many complaints, Experian frequently stated it would take no action because it believed the complaints were submitted by third parties, however, it did respond to the remaining complaints with substantive responses. 
XXXX made similar promises and frequently failed to provide the outcomes of investigations to the CFPB. It often stated it would take no action on complaints because it believed the complaints were submitted by third parties.. I need XXXX, XXXX and Experian to take responsibility and stop doing this illegal practices .... 
I don't want the same thing happen to me, Im attaching new copies copies that I have sent today to XXXX, XXXX and Experian. 
attached with my social security card, ID and proof of Address.. Lets see what will be the excuse this time. 

PLEASE NOTE THAT IM NOT TALKING ASKING YOU TO INVESTIGATE OR VERIFY THIS ALLEGED ACCOUNT, IM THE ONLY ONE WHO CAN VERIFY.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: First National Collection Bureau, Inc. (CA)

I received a collection letter from First National Collection Bureau XXXX Inc for {$940.00} for creditor XXXX XXXX XXXX, original creditor XXXX XXXX Bank, N.A./. 
This is a false debt so i called them to dispute it. 
The first person I talked to claimed it was a credit card between XXXX and no other information was available. After a brief discussion I explained how this was not a valid debt ( the last credit card i owned was around XX/XX/XXXX ) and she said to send her that info in writing. I hung up and after doing some research on the company I found out they have an unsavory reputation preying on expired SOL ( statue of limitations ) debt. I called back hoping that I could stop any more badgering by pointing that out. The next person I talked to gave me more information about the account ( meaning the other person lied about no other information being available ) and told me that a SOL did not matter with their company. I told her that was inaccurate and that the FTC states one can not be sued for debt out side that SOL. She claimed that was innacurate information and they were a private entity. I asked her if her company was above the FTC. She said no but that info was wrong. Furthermore, she told me the account had been closed by the previous rep but she would reopen again it due to my verbal complaint which sounded like a threat! In the end they ended up being unprofessional, manipulative, and liars. I am sending them a cease and desist letter and I hope that is the last I hear from them.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My XXXX Account debit card was stolen. An unknown person deposited counterfeit checks in the XXXX  account due to this Bank of America decided to close the account because of this my personal account was frozen my direct deposit was placed into my personal checking account the bank refuses to allow me to get my funds out of my personal account and provide me with multiple dates of the account closure of when they would send a cashiers check I spoke to several different employees who provided many different answers all of which were incorrect. The last time I spoke with an employee she told me I can go into a local bank and withdraw my funds from my personal account when I went to the bank the teller advised me I will not be able to get the funds I called back the bank who then told me that my account will be closed on XX/XX/2020 however the last representative told me that it will be closed XX/XX/2020 I have made several requests to the bank to immediately close the account so that I can retrieve my funds. They said that they would submit a request for me to be able to withdraw funds however they can not guarantee that that request will be approved. I was transferred to many different Departments I was hung up on several times. I am requesting that investigation investigation be completed to make sure that Bank of America is following banking regulations when it comes to a fraudulent claim. I have been violated twice by the person who stole my banking information and by the bank for not allowing me to get my funds that were deposited by my employer I have had Bank of America for over 14 years and this is despicable.
Consumer complaint received 2023-04-05
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Acc XXXX XXXX XXXX XXXX Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX. Balance {$1700.00} 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-12
Product: Credit 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: CITIBANK, N.A. (NY)

A few months ago, I was trying to change travel plans with XXXX XXXX due to illness. I XXXX  for a customer service number for XXXX XXXX and called the number XXXX provided. 

The person I spoke to claimed to be a XXXX representative and charged me nearly {$700.00} for the option to cancel my flight and receive the remainder of the cost back. As this was way less than the total cost of the flight, I agreed, despite my misgivings. I immediately realized something didn't feel right, and asked them to cancel the transaction, but they refused. 

I later found a different number for XXXX on the official website, and found out that cancelations are free, and that I had been scammed. The representative worked for some kind of travel agency pretending to be XXXX ; I received absolutely nothing in exchange for my ~ {$700.00}. 

I immediately called Citi, my credit card company, to dispute the charge and let them know I had been defrauded. Weeks later I received a notification that they would not reimburse me for the fraudulent charge. I spoke to a Citi representative who understood the situation and told me she would take care of it and secure my reiumbursement. Again, several weeks later, I received a notification that they are still refusing to reiumburse what is quite clearly fraud. I challenged it yet again, provided proof that I had received nothing in exchange for the {$700.00}, no good or service, and was denied a third time despite the merchant not providing anything that refuted my claims. 

I have provided Citi detailed documentation of this fraud, including copies of an email the company sent me with a XXXX logo in their signature, as well as my immediate request to cancel the transaction. At this point, my only recourse is to continue submitting my claim through the same process that has now denied me three times. 

Furthermore, I am not the only one who has suffered this exact scam there are news articles ( which I also provided to Citi ) about this exact phenomenon.