davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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 (MS)

Hi, I've been a loyal PayPal user for about 4 years plus now. The other day at approximately XXXX on XX/XX/2021 I received an email from PayPal , stating that I was no longer able to conduct business with them and that my account was permanently limited along with the holding of my personal funds ( {$13000.00} ) for up to an 180 day waiting period. 

Now, If I was in the wrong or did anything that I wasn't supposed to or wasn't aware about, then I apologize. I simply did not know nor was I conducting any fraudulent or malicious activity with the company 's services. I am 100 % legit and have made all of my money legally and the correct and honest way. I'm a XXXX XXXX XXXX XXXX XXXX for music producers and I sell my services along with digital products as you can see within my account ranging from $ XXXX {$590.00}. The smaller digital products in the $ XXXX range and my XXXX services that you can see in transactions almost everyday for {$590.00} and you can also see {$290.00} which is a payment plan that most of students join in on. 

Also, I have a very clean seller history with them as well, my duration of time spent doing business with PayPal, I've NEVER had a single chargeback or any disputes opened on me with that account or with any customer, and if a problem DID arise, then I respectfully solved it by immediately issuing a refund to them clearing up any mishaps also which you can see on my transaction history as well. I simply just want to provide a great service and customer support to people. 

I've filed a complaint with the XXXX  along with calling PayPal 's customer service line, and emailing PayPal 's VP 's, Execs, & even the CEO XXXX XXXX. I've also made a consumer protection complaint with the state of California where they're based out of, but still have yet to hear back from any of them. 

I do understand fully that PayPal would no longer like to do business with me and I rightfully respect their decision by all means. What I'm requesting from PayPal personally is that the holding of my funds can at least be lifted, so that I may gain access over my money that's been accumulated within the time period of conducting business with them. 

I am simply seeking a resolution that is fair and in the best interest of both parties and I hope that this problem can be resolved.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (NY)

Hello, I am writing to submit a complaint against Wells Fargo, a company that provided me with a credit card and has charged me with XXXX time interest despite the fact I contacted this company in trying to avoid this charge. 

In XXXX of XXXX I acquired a credit card at the store, XXXX and XXXX. The card was provided by Wells Fargo, and according to the terms of the credit card, no interest would be charged for my purchases for up to a year. Since XXXX of XXXX, I made monthly payments to the credit card. 

In XXXX of XXXX I was notified that the card was no longer valid, since XXXX and XXXX cancelled their agreement with Wells Fargo. This meant that I could no longer use the card, which was contrary to the contract signed by me. I did not care about this ; and I continued to pay my debt. The last payment was due on XXXX XXXX XXXX. I made my payment a couple of days later, unaware of the fact that I had been penalized with additional interest. At the beginning of XXXX, my balance was {$390.00}. Since my payment had been late I was charged {$240.00} in interest. This increased my debt from {$390.00} to {$680.00}. 
On XXXX XXXX, XXXX I called Wells Fargo trying to explain that missing my payment had been an honest mistake, and that I had totally forgot the deadline. During this phone call I expressed my willingness to pay my remaining balance ( which was close to {$400.00} ) in trying to avoid the interest payment. I also reminded the people of Wells Fargo that this account was not of any service to me going beyond XXXX, since the card had been cancelled in XXXX. I naively thought that since we were still within the month of XXXX, the people of Wells Fargo could at least show some understanding and offer a reasonable solution. Yet, after half an hour on the phone and having spoken with XXXX different representatives from Wells Fargo XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, I was only offered a reduction of XXXX dollars. According to Wells Fargo Representatives this was the only help they could offer. 

I am writing this complaint hoping you could stop this company from applying such unfair interest to customers such as me, who despite being late by a couple of days, made monthly payments throughout a year. I am appalled by the lack of understanding of companies like Wells Fargo, who can change the terms of a credit card when they want, but would not extend the same understanding or courtesy to their customers. I believe this practice to be unfair, arbitrary, and capricious. As a result of simple, brief mistake my balance -- on the eve of being paid off -- almost doubled. I understand if nothing can be done to help me, but I honestly hope you can look into this so that other less fortunate individuals avoid getting trap by Wells Fargo 's arbitrary practices. 
Thank you XXXX XXXX
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (WI)

I went to XXXX XXXX to buy a XXXX XXXX  with XXXX down payment. 
I was only presented with XXXX option to buy the vehicle even tho my XXXX XXXX was over XXXX. 
And I was told the rate was XXXX  % and could refinance it right away with no penalty. 
I made the interest payment like I was told by the lender for the first 2 months and when I tried to refi the XXXX I found out the rate was actually XXXX  % and that I now was 2 months late on the payments because I was only paid the interest. 
I tried to get the interest rate and payment lowered and was told they have no other products and that I would have to keep the loan or get it refinanced in which I cant because the payoff was higher than the XXXX was worth. 
Then after I paid on it for XXXX  years I had to take out a loan for the same amount that I paid for it and now I am out XXXX  of dollars and still paying on a XXXX  that should have been paid off years ago.
Consumer complaint received 2023-01-09
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: Navient Solutions, LLC. (CO)

In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and protection consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Navient Acc # XXXX 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 that consumer reporting agency can not 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 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 2023-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (IL)

When I was working at the airport my purse got stolen, my money just everything. I had to close all my accounts, also get a new state ID. My purse got stolen in XXXX or XXXX, I forgot i just know everything got stolen. I didnt know I had to report anything else because I didnt know it was credit cards made in my name. When I did find out I reported it soon I got paper mailed to my house. I didnt know anything of this.
Consumer complaint received 2023-01-30
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. (GA)

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. This is a list of things that don't belong to me or that weren't opened with my consent. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2023-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/2022, i obtained a loan from XXXX Bank via AFFIRM to pay for my college courses. ( XXXX ID # XXXX ) In the amount of {$2800.00}. I've been making payments since XX/XX/2022. XXXX Bank nor Affirm has reported my installment loan payments to the credit bureaus and it has been well over XXXX days as stated by their website. I'm asking that this information as well as all current and future payments are reported to the credit bureaus as it is affecting my credit due to not having any installment loan information when i in fact have one that's not being reported.
Consumer complaint received 2023-01-09
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. (NJ)

In accordance with the fair credit reporting act XXXX  XXXX  XXXX XXXX. Act # 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 2023-01-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-09
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)

Hello I hope that this message finds you well. I am a consumer let me first start there. This company that I make this complaint against has used my report inaccurately and unlawfully. According to 15 USC 1681e these companies should make sure that are not in violation of 15 USC 1681c which discusses and states that the only reason any information should be furnished on an account is because of federal judgments or if permission was granted. COVID-19 set alot of people back including myself having to walk away from the industry. Now I was checking my credit report on yesterday and I noticed that XXXX XXXX  is reporting multiple late payments and this reporting agency is allowing the furnishing of such information after I asked for accommodations under the CARES ACT which states that information is supposed to show as current and never late. If I may add further to that. There are laws that have and are still currently in place that state that open transactions should not be reported and that also written consent must be given by the consumer which is me to furnish such information and looking at the consumer report the information is incomplete and inaccurate. This is aggravated theft and I am demanding that this account be removed due to the multiple law violations that this reporting agency has broken. This has caused significant trauma. Please allow me to be CLEAR. I am not looking for VERIFIED nor am I looking for those spam like messages that state that we are required to report which is not true by the way. I just provided the law that CONGRESS placed not your policies. I want the account removed or I reserve the right to get the allotted amounted for each violation.
Consumer complaint received 2023-01-09
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. (IN)

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 XXXXXXXX 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 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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-04-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (WA)

In XXXX, I spoke with a Wells Fargo representative who told me that my loans would not need to be repayed until XXXX unless I graduated before that, in which case I would have a 6-month grace period after my date of graduation. My school inaccurately reported that I graduated in XXXX XXXX. I needed to work with the school to update my graduation date to XXXX XXXX. I submitted paperwork to Wells Fargo with this information, and I expected a 6-month deferment period after XXXX. However, Wells Fargo said that part of my loan had entered repayment while I was still in school. I thought this was part of the same clerical error, so I attempted to work with them to update the repayment date. However, they insisted that part of my loan went into repayment while I was still enrolled XXXX in school, and they declared this loan in default and demanded payment in full. I do not have the amount that they are requiring I pay upfront, and they are not willing to work with me to find a manageable solution to a problem that they created. They claimed to be able to consult phone recordings of previous conversations with them, but they refused to check on the call where I was informed that I would not have to start paying until XXXX. Further, they said they attempted to contact my co-signer about this, but my co-signer did try to call them, and they refused to talk to her. They said that I needed to speak with them directly. However, they would always call while I was at work and unable to answer, and every time I tried to reach them, the call went to voicemail. It seems that they were trying to prolong the conversation period in order to force this loan into full repayment.
Consumer complaint received 2015-04-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This complaint is in addition to Case number : XXXX received a Letter from Bank of America requesting more time to provide a answer regarding Lender. Not only did I get a Letter requesting more time, I also received a letter about a Loan Modification. I ca n't express enough that there will be no Loan Modification. Why?? Bank of America can not even address America 's Wholesale Lender, A Corporation existing under XXXX Law in 2007. Nor can they address the fact America 's Wholesale Lender " A Corporation '' " A Lender '' does not exist in XXXX and is not a Corporation in other States as well. " America 's Wholesale Lender '' The Lender to the deed of trust and to the Promissory Note is clearly a dba, Trademark Name, or fictitious entity. Problem is, Bank of America wishes me to believe that XXXX is the " Lender '' on behalf of XXXX XXXX Asset Backed Certificates. Trustee and Lender are not the same in this case. Especially when XXXX XXXX XXXX with XXXX has written that XXXX is not a Lender, XXXX does not own Loan or Property. Bank of America knows this is true. Therefore, I ca n't understand why Bank of America would even assume that they can just choose who they want to call out as " The Lender '' My Deed of Trust and Promissory note on XXXX XXXX, 2007 were written as America 's Wholesale Lender " The Lender '' A Corporation under XXXX Law. Bank of America how did you get standing to transfer, assign, convey to XXXX or XXXX? A fictitious entity, assumed name, is not a person, is not a legal business. According to Tax Comptroller of Texas, America 's Wholesale Lender, dba does not even have a Tax ID. OCC states America 's Wholesale Lender a DBA, Banking Commissioner, America 's Wholesale Lender, a dba, XXXX County Clerks office XXXX, Assumed name Certificate America 's Wholesale Lender dba. 
There must be a Rabbit in the Hat somewhere for Bank of America to convey property when the Lender " America 's Wholesale Lender '' is a dba name ( Countrywide Home Loans dba America 's Wholesale Lender ). XXXX denies being Lender, furthermore, I have never entered into any contract with XXXX XXXX. I have no DOT or Promissory Note which calls out XXXX XXXX as my Lender. No more time is allowed. Denied. You have no more time.
Consumer complaint received 2023-01-08
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. (PA)

XXXX is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts {$3700.00} and {$2600.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2016-12-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (VA)

On XXXX XXXX, 2016 I made a {$300.00} payment to First Investors Financial Services. I have spoken to them several times concerning the payment, sent them documentation to prove the payment was made, and had the bank ( XXXX XXXX ) contact them twice concerning the payment and First Investors Financial Services has continued not to recognize the payment. Please help me get First Investors to recognize this payment I have made.