davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (CA)

I tried to send my sister {$160.00} dollars on XX/XX/2022 using Paypal. ( Paypal transaction ID : XXXX ). The app was offered through XXXX messenger. The money was taken out of my XXXX  XXXX XXXX checking account. But, my sister never received the money. 
I started a formal complain with paypal to recover my money. ( Paypal case ID : XXXX ), on XX/XX/2022. They denied doing anything wrong. Refused to show what bank / account my money was deposited on. As of today,. they have closed the case and even erased all details information.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX, I had air duct cleaning services performed by XXXX XXXX. After the service was performed the technician " XXXX '' stated that they only accept XXXX, XXXX XXXX, or XXXX for payment. I opted for XXXX and the technician provided a phone number for payment. I verbally confirmed the number and then visually confirmed the number with the technician before sending payment via XXXX. He acted surprised that he didn't receive the money and asked to see the number again. He then stated that the money was sent to the wrong number ( off by one digit ) and told me I could cancel the incorrect transaction and the asked me to send the full amount again to the correct number ( which he received ). I immediately contacted Ally Bank and asked them to reverse the incorrect payment. They refused and said the payment can't be reversed and offered to open a dispute on my behalf. I opened a dispute providing all of the details. I received no contact or communication after XX/XX/XXXX. Today, my bank sent a written letter refusing to refund the incorrect payment because they said it was authorized. I have repeatedly attempted to contact the incorrect payment number and received no response. I have also contacted the owner of the cleaning company and received no response. Now I am out {$360.00} and will never use XXXX or Ally Bank again.
Consumer complaint received 2023-06-21
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. (LA)

XXXX XXXX is reporting that I am currently late every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently late for any payments because the account is closed and should be reporting a XXXX balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. It is being included in my credit score calculation incorrectly as well. Both XXXX and Equifax are reporting this account incorrectly despite several dispute requests.
Consumer complaint received 2023-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MD)

Navient has sent multiple letters stating the formal last date to work with them, but they continue to keep the loans active past the dates they provide. So theyve been providing false information that ultimately is leading to more late fees and interest building up. Additionally, theyve contacted people who I havent spoken to in decades and people Im only friends with on social media in order to contact me, which has been awkward and embarrassing to explain and left these people feeling harassed by a company they never gave permission to communicate with them.
Consumer complaint received 2021-02-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

I have received repeated phone calls and messages from Comenity Capital Bank ; sometimes identifying themselves as being from this vendor, sometimes not. They are contacting me regarding my sister-in-law 's ( my husband 's sister ) account and I am unaware of how they got my information considering I have very limited contact with her already and am not connected to any of her finances. They threaten action and timeliness and have contacted me using different numbers despite me blocking their calls. 

They have called me from XXXX on XX/XX/XXXX at XXXX and at XXXX in addition to other numbers and times. 

I am verified on the do not call registry since XX/XX/XXXX.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

Shellpoint Mortgage Servicing failed to pay our second half of XXXX ( due XX/XX/XXXX ) or first half of XXXX ( due XX/XX/XXXX XXXX XXXX  DC real property tax bills, despite being obligated to do so and having collected {$12000.00} in our escrow account. On XX/XX/XXXX, the District of Columbia Office of Tax and Revenue sent us a notice of delinquency demanding payment of {$4800.00} by XX/XX/XXXX to avoid a tax sale of our home. 

Immediately upon receiving the DC Tax and Revenue notice, on or about XX/XX/XXXX, we contacted Shellpoint Mortgage Servicing to demand that they pay our outstanding real property tax bills as they were required to do. Shellpoint acknowledged their failure, and admitted that they are, in fact, required to pay our real property taxes. 

Nevertheless, despite the fact that our home is at risk of being sold at a tax sale due to Shellpoint 's failure to pay the tax bills as they are required to do, Shellpoint still has not satisfied our outstanding real property tax bills. 

Shellpoint insists that they paid both our second half of XXXX and first half of XXXX real property bills on XX/XX/XXXX. However, as of today, XX/XX/XXXX, the Washington DC Office of Tax and Revenue still has not received the outstanding payments. 

We have called Shellpoint repeatedly and are always given the same explanation : due to their own error, their internal system did not indicate that they were required to pay our taxes. They insist they have now satisfied our real property tax obligations, but the Washington DC government has not received that payment. We have asked Shellpoint to contact the DC Office of Tax and Revenue directly, and they insist that they are not able to do so. 

We are exceedingly concerned that our home could be sold at a tax sale due to Shellpoint 's recklessness and disregard for their contractual obligations. We have no idea what to do at this point.

Shellpoint has put our livelihood and home, where we live with our two younger children, at risk. Yet they have not even so much as told us they're sorry. They are a horrible company and do not deserve the privilege of operating as a mortgage servicer.
Consumer complaint received 2022-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX Debt Validation Request XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I noticed two accounts on my Experian Report that violates Fair Debt Collection Practices Act states that under because I was not provided the contents of the debts for Accounts XXXX 15 USC 1692g- states ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2021-07-16
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: Experian Information Solutions Inc. (IL)

I have file several dospute with many the collection companies on my report with are reporting payments or accounts that do not belong to them and were paid off to the orginial creditor months or years ago. I have sent letters to the collection agency I have submitted proof of payment to orginial creditors to all 3 Credit Bureaus some they remove, shift to another credit bureau, report under a different creditor, or claim to investigate but do nothing but refresh the date so that it stays on my credit report longer. I have been more than patients in the process now I'm getting can no longer dispute on some because the " investigate '' nothing.
Consumer complaint received 2023-06-10
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. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-16
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. (FL)

MY identity was stolen I reported. it to the FTC and attached the report I have reached out to the reporting agencies to block the information that was a result from identity thief. I did not receive a response my husband and I are not able to move forward in our home purchase because of this fraud it is damaging my ability to buy a home PLEASE CORRECT MY REPORT AND BLOCK THIS INFORMATION I HAVE MANY ADDRESSES INQUIRES AND 2 ACCOUNT THAT DO NOT BELONG TO ME. PLEASE ADVISE ADDRESSES ARE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX # XXXX Total fraudulent amount : {$1500.00} ACCOUNT -XXXX  XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX block the reporting of 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 I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) REMOVE ALL SAID NAMES, ADDRESSES and ACCOUNTS AND INQUIRES CONNECTED TO THIS IDENTITY THEFT WITHIN ( ( 4 ) ) BUSINESS DAYS AND OR PAY FOR DAMAGES 15 USC 1681 C-2
Consumer complaint received 2022-11-16
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. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

FedLoan currently holds all the loans that I finished paying before the loans were transferred to XXXX. I called at the end of XXXX ( about two weeks ago ) and confirmed that I would be receiving a refund on all those loans and would be getting the money in my account in 6 weeks. It has now been about 8 weeks and I still have not seen the money and I can not see any open loan balances in my FedLoan portal.
Consumer complaint received 2022-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

A Salesperson at XXXX ( XXXX XXXX XXXX ) fraudulently fabricated an address and phone number to bill unauthorized internet and phone services to my name. I was informed by 3 different XXXX  employees that the issue was resolved, only to find that it was later sent to collections with AmSher ( ashmer.com ). It is evident that my dispute of AmSher 's collection was not reviewed by their organization or XXXX. It was only after I filed a Consumer Protection Complaint with XXXX XXXX ( XXXX ) that XXXX reached out to me to inform me the Sales Representative was fired for his actions and 'my ' debt collection with AmSher has been waived. 

However, this complaint is with AmSher specifically, as they have been equally negligent throughout the process and failed to discontinue debt collection at the creditor 's request. I never received a debt validation letter from AmSher. Initially this was because they sent it to XXXX 's fabricated home address that I had attempted to correct with XXXX 3 times. I corrected the address for AmSher and requested debt verification letter, which they failed to send. My debt collection had not impacted my credit at this time. The debt collection appears to have been reported to credit bureau weeks after I notified AmSher that the debt was nullified ( effectiveXX/XX/2021). After learning that the debt was waived, AmSher has gone 'dark ' on me and will not respond to multiple requests to confirm account is closed upon providing the creditors ( XXXX ) confirmation number. My experience indicates that ( 1 ) AmSher reported debt without first sending the requested debt validation letter and ( 2 ) knowingly proceeded after having been directly informed that the creditor has approved my dispute. I have no further recourse, as AmSher has stopped email communication, as this discontinued debt would otherwise not be profitable to them.
Consumer complaint received 2022-11-16
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. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

My spouse is a member of the United States XXXX and I am a nurse. Our family was affected by XXXX and I had to reduce my hours/take time off work because of XXXX related circumstances. We were unfortunately unable to make payments on our mortgage. When we first contacted our mortgage company about what we could do, we were never told or made aware that they could change/modify our loan towards the end of this. We had a fixed interest rate for XXXX years at 2.25 % and now they want to increase/modify it to 6.75 % and or pay the outstanding balance. I feel like this is an unfair situation and I understand the mortgage company trying to reclaim the debt, but when we first spoke to rocket mortgage the consensus was that the interest would stay the same and the amount owed would be put towards/added towards the end of the mortgage. Because what was the point of the Cares act then? People are currently not purchasing homes because of the high interest rate and rocket mortgage now wants to put us into another unfair situation by modifying our loan at the current market when our interest rate was fixed. I think its absurd and borderline a scam that they're doing this to thousands of families. They're basically saying pay the balance off right away or we modify your loan to absurd rates.
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lake Area Collections, LLC (TX)

The original company was XXXX XXXX in XXXX XXXX, LA. The collection agency that took over the debt was XXXX XXXX Collections. 

Between the time frame of XXXX when the file was opened. I reached out to the company, and they informed me that they were billing the wrong insurance. I was told by the original company that it would be taken care of, and they would process the correct insurance. At the time I was XXXX XXXX with XXXX XXXX XXXX XXXX. They were charging XXXX which is not XXXXXXXX XXXX XXXX for XXXX XXXX XXXX The total amount to be paid for the lab work that was done. I have documentation that states I had insurance and I also have military orders to prove I was a XXXX XXXX receiving benefits. They also provided my information to a third-party company which is against 15 US code 16802 $ XXXX Opened XX/XX/2020 $ XXXX opened XX/XX/2020 $ XXXX opened XX/XX/2020
Consumer complaint received 2023-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I've had a checking and savings at Wells Fargo for over 22 years. I've never bounced a check or gone overdraft that I can remember. XXXX yo I'm XXXX I have no driver 's license and I XXXX miles from the nearest wells fargo. I do a lot of my shopping on line for those reasons. Probably 80 percent of my shopping is on line. Recently I got laidboff my supplemental job and realized I wouldn't be able to make my loan payment that is set up to be deducted from my savings on auto withdraw. So I called Wells Fargo and explained my situation. I ask wells fargo to stop the payment till i could figure things out.The very next day I went to my one banking sight to check my account and I'm suddenly {$1100.00} over drawn in my savings. So I called Wells Fargo and ask them how this is possible. They explained to me that Los prevention put a strong hold on my account and my XXXX XXXX XXXX got returned. I thought that was odd cause that check had come in three days prior to this situation in fact I had already withdrawn the money and paid bills with it. They transfered me to loss prevention. The guy working in loss prevention said I do to much online shopping with high risk websites and that they were going to close my accounts. Sense then they have denied several disputed transactions and they have went back and changed some of them that were already approved to denial I am now {$1600.00} over drawn. I've had to pay friends several XXXX dollars to give me rides to XXXX so I could open newvaccounts and change my profile at social security. My car is getting repossessed cause this set me back so far I couldn't make the payment. I'm being charged extra rent for being late. I feel that wells fargo singled me out cause they found out I lost my job. To me that is discrimination.