davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

I was charged {$25.00} for a Payoff Demand Letter, and PennyMac did not disclose the fee upfront. Even the customer service rep ( who was very nice ) agreed that made no sense. PennyMac would not refund it when I pointed out that the fee was never disclosed to me and isn't published on the page of My Account where a Payoff Demand Letter is requested. There is no reference to a fee anywhere, and the Customer Service Rep wasn't able to provide me with a reference to where this fee is mentioned anywhere, either. I will never do business with this company again. 

As of XX/XX/2020, this is the text on the Payoff Demand request page ( I have a screenshot ) : Payoff Request If you are working with an escrow officer or attorney as part of a real estate transaction, they will contact PennyMac on your behalf to obtain this information. 
Important things to remember : You are responsible to continue to make all payments on your loan until it is brought to a XXXX  balance. Late fees/adverse credit reporting may be affected if payments are not received. 
If you pay off your loan and you are set up on PennyMac AutoPay you must cancel the service at least three ( 3 ) days prior to your scheduled payment date in order to avoid a draft from occurring while your payoff is being processed. 
When sending in payoff funds, please follow the payment instructions in the payoff statement. 
If you are moving, please remember to update your Mailing Address so we can be sure to get important documents, notices and/or refund checks to you promptly. 
If your loan had an escrow account, any remaining funds will be mailed to you within 20 days from the date your loan is paid in full. 
After your loan is paid off, you will continue to have online access to your loan for 18 months. You will be able to access your Statements & Document section and review your Loan Information. 
How It Works Select a date that is available for you to choose to payoff your loan. 
You will receive a notification when your payoff statement has been processed and you will be able to view it in the Message Center where you can view and print your payoff demand. 
Payoff Demand Statements are time sensitive documents the message will be auto-deleted in 30 days, encourage you to print save on your own device. 
Get Started PayOff Reason Expected Payoff Date Please choose a payoff date within the next 30 days. 
Submit
Consumer complaint received 2020-05-13
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. (AR)

I pulled my credit to myself to check the reason why my score was so low. i knew i was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (NC)

I looked on my credit report and noticed that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows Equifax to repost anything on my consumer report. Without my consent Equifax has committed Identity Thief. There are four different accounts that need to be removed. I have given them 4 different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by Equifax, a signed letter from a Notary Public, and a invoice for the 4 federal violated rights. Each violation made my Equifax are for {$1000.00} dollars per violation
Consumer complaint received 2019-09-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (PA)

On or about XX/XX/2019 BB & T sent a letter to me stating they have suspended my ability to obtain advances on my line of credit. They stated because I have delinquent credit obligations with other creditors. This info was obtained by BB & T thru XXXX. I pulled my credit using the Annual Credit report website and chose XXXX. My credit history with all but one creditor was in good standing. The creditor in question was a card my wife and I had in both our names. She put some dental work on the card and forgot to pay it and didn't even realize she was behind until my line of credit was frozen. 

I called BB & T XXXX PA Branch and spoke with XXXX XXXX NMLS ID XXXX. She was also the person I spoke with when I applied and obtained the loan in the first place back in XXXX/XXXX  2019. She looked into it and she called me back, said that the line of credit would be frozen for a year. I was in shock. I have plans for this money in the next 12 months and now everything must be placed on hold. She suggested a formal request to unfreeze the a/c to escalate the problem in the BB & T company. I received a notice stating that again my line was frozen because of the same delinquent account and would remain frozen. Also, this loan was opened with a variable rate. I asked if the could be fixed so I can build a payment plan to pay the line of credit off as soon as I can. She looked into it and got back to me, she stated that no, the loan can not be changed from a variable to a fixed for the same reason as the suspension, delinquent account. 

The delinquent account that caused this mess is now caught up with the payments and in good standing. My credit report reflects this. Its outrageous. I work hard on my credit to be in good standing. All of my other accounts are impeccable. One credit card with a {$600.00} balance that was grossly overlooked and my HELOC and all the plans I have for it is in jeopardy. 

How I want this to be resolved is 1. I want the suspension to be lifted from my HELOC and be able to use the funds immediately and 2. be able to lock the HELOC into a fixed rate loan.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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. 
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 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 2022-06-23
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: U.S. BANCORP (TX)

This is a formal complaint against Elan Financial Service located in XXXX XXXX, Missouri. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Elan Financial Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I had a chime account. 
I file 2 different disputes and 2 different rebuttals because they denied my disputes EVERY SINGLE TIME! 
They didnt proceed with any thorough investigations. My claims were denied in less than 24-72 hours. Together the balance of both claims was over {$4000.00}. Ive submitted proof and documents to prove that those transactions were unauthorized. Today. XX/XX/2022 my account was deleted without any warning! I called and even complied with the supervisor of chime and she was EXTREME rude to me and threatened to hang up on me. I am a single unemployed mom of XXXX boys, XXXX XXXX XXXX XXXX  And I am also XXXX XXXX XXXX  with no form of income. I am emotionally and mentally exhausted with this situation. All I need is a little help. 
The first dispute that was filed was faulted by chime. I had an issue with XXXX XXXX before and I politely asked them to block that merchant, they assured me they did. 2-3 months later my purse was lost with all forms of ID and also credit and debit cards. And over {$2000.00} was stolen from me through XXXX XXXX Which was a fault on chimes behalf.

Chime has a policy saying after 10 business days is the dont come to an decision that I automatic receive a provisional credit to my account, but they deleted my account on the 9th day.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc. (WA)

I am trying to link one of my external accounts to my SoFi Bank account. 

I got all the way through the process. Received a green check from the SoFi application indicating the account has been successfully linked. However I'm not able to see the linked account. Customer service seems to indicate they can see the account but I can not see it in any customer facing view. Screenshots attached of my 5th attempt. 

Also I'm not awarded the necessary points for linking an external account. I've contacted customer service who opened a ticket. No communication was provided to me and the ticket was closed with no issues found. 

The issue is still not resolved. One agent today told me that everything was resolved and I should just try again. That didn't work. I had to call in twice today, XX/XX/22, and have a brand new ticket filed because they are unable to re-open the first ticket. 

Rather than just closing a ticket and not solving the issue, I need the issue to be resolved and the points to be awarded. 

I feel I'm getting subpar customer service with issues not being addressed.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX I was scamed out of my retirement 0f {$29000.00} thru a wire transfer. I have tried to get it back from my bank XXXX who tried to reclaim the money from Wells Fargo where the money went. XXXX had closed out the claim due to not being able to reclaim the money from Wells Fargo. I have filed a police report, and a report to the FTC. I need this money back. It is my retirement. I have even sent the police eport number to Wells Fargo and the FTC report I filed.
Consumer complaint received 2020-05-14
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. (PA)

I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.
Consumer complaint received 2020-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc (AZ)

XXXX XXXX AKA PayPal Paycheck Protrection Program loan Underwriting Team on behalf of XXXX XXXX XXXX XXXX XXXX, UT discriminated against me by using a credit score as a basis for the SBA 's Paycheck Protection Program. I had no disqualifying factors for the PPP loan : I was not suspended by any Federal agency from participating : I have not defaulted on an SBA loan in the past ; and I was not presently incarcerated, on probation or parole, or subject to arraignment or an indictment for any criminal charges ; and I did not have a felony on record within the last 5 years. 

LOAN BUILDER AKA PayPal Paycheck Protrection Program loan Underwriting Team on behalf of XXXX XXXX XXXX XXXX XXXX, UT also did not process my PPP loan request ; because ; it said I did not supply sufficient payroll information. 

This could not be further from the truth ; as as XXXX XXXX   XXXX, I have no employees but I provided my government-issued ID, bank statements, Form XXXX Schedule C, and XXXX for services rendered.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NE)

I received an email on XXXX XXXX from PayPal through my email but addressed to my brother. It had an invoice attached for the purchase of bitcoins, amount was {$620.00}. Neither my brother nor I purchased any bitcoins. My brother doesnt even know what they are. 
I sent an email response saying that I did not authorize the purchase of any bitcoins. Also requested that the invoice amount be voided and deleted, otherwise I would contact legal resources. 
I also decided to call the phone number on the invoice for assistance. I talked to 3 people whom I thought worked for PayPal but as we talked ( over an hour ) to resolve the issue and check security on my phone I started to doubt these people and suspected fraud. They wanted me to create a XXXX  transaction and use XXXX. When I downloaded this app I discovered what it is and said I did not want to send any money. So they asked me to purchase XXXX gift cards. This is when I tried to hang up but I couldnt so I shut my phone off. 
I have reported this to my credit card company and have received a new credit card. I also reported it to my bank to put a red flag on anything suspicious. 
I am now reporting this to you and want these people prosecuted. I do not have a PayPal account nor a debit card through them. Thanks for your help.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (MS)

In mid XX/XX/XXXXI got really sick I had 3 XXXX 2 XXXX, one XXXX. I have two credit cards one w XXXX XXXX & XXXX XXXX I contacted both companies and explained to them that I had been sick and XXXX as a result of that I was left broke bc I couldn't work. So they both said that they offered a hardship program for people like me and that it was stated in the contract when I received my card. They informed me to mail proof of my medical condition, I sent them a XXXX page report detailing all my XXXX XXXX XXXX and Dr visits along w a letter explaining my situation. I got a letter back from The XXXXXXXX XXXX company saying everything is good and the voided my debt, ( I'm including a copy of that letter incase it helps ) I never received anything From XXXX XXXX  so I assumed that if XXXX XXXX excepted everything. XXXX XXXX  would too bc it was the same exact paperwork sent at the exact same time apparently they didn't bc now they are suing me Using a company called N.A.R which I think stands for N American Recovery its posted all over my credit report I called XXXX XXXX  And they gave me the run around and was very rude and their hold times are hours long to rude customer service you would think w all this covid 19 pandemic they would be nicer and more coorperative
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I attempted to send a XXXX transfer to my realtor. She's assisting me in the sale of our home. My realtor helped arrange to have the exterior of my house painted for {$4000.00}. I am currently living out of state and I ran out of checks with Citibank and so my realtor agreed to write a check to pay for the service rendered by XXXX XXXX XXXX. I told her I would pay her back through XXXX. On XX/XX/XXXX, I attempted to pay her back through XXXX in the amount of {$2500.00} as that was the maximum out allowed by XXXX. I was going to pay the remaining {$1500.00} through XXXX the following day. Normally, XXXX payments are completed within an hour but the {$2500.00} payment has been frozen for 7 days. I have called Citibank multiple times about this transaction and one of the representatives said it should have been resolve no later than Monday XX/XX/XXXX. I called again Monday, Tuesday, and Wednesday and was informed that the XXXX payment was still frozen. Several representatives there stated it is because my transaction was being flagged for an OFAC related investigation. I asked if there's anything I can do to clear my name or that transaction or at least get an official letter from Citibank explaining what is going. They stated that there is nothing I can do nor are they able to provide a letter stating what is going on. I am a US citizen with a clean financial and legal record and my realtor is also a US citizen with a clean financial and legal record. I do not understand why it is taking Citibank so long to review this transaction and inconvenience both my realtor and I of completing a legitimate transfer of funds. I am happy to provide additional evidence to support my case.
Consumer complaint received 2020-05-14
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. (PA)

I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.
Consumer complaint received 2022-06-23
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. (NY)

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 XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 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 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 2020-05-13
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: Santander Consumer USA Holdings Inc. (OK)

I have followed everything requested by identitytheft.gov, sent and faxed letters of the requested information to Chrysler Capital, and this is still showing on my credit report. I did not take out a loan with this company, i gave no one permission to do so, and this is adversely affecting me personally. I would like this fraudulent information removed as Chrysler is the ONLY company that i have contacted that has yet to do anything about the identity theft i am facing.
Consumer complaint received 2022-06-22
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. (FL)

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 Account listed on the pdf attach, 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