davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

I logged into PayPal to send an invoice to someone who owed me money. I accidentally sent them a payment of {$3200.00} instead of sending an invoice. The recipient was very cooperative and refunded this mistaken payment immediately. 

However, PayPal charged a 2.9 % transaction fee on my payment ( in this case, the fee was {$93.00} ). PayPal refuses to refund this transaction fee, even though the original payment was an accident and was promptly refunded by the recipient. 

I contacted PayPal through their message service. I received an unclear reply with several grammatical errors. PayPal said " because when you send [ sic ] the payment, because it was for a [ sic ] goods and services, the money that the receiver get [ sic ] was the amount they refunded you ... '' I sought further clarification, and received a subsequent message from a different customer support agent, stating " If someone refund [ sic ] a payment for goods or services, there are no fees to issue the refund, but the fees you originally paid as the seller or sender are not returned to you. '' Again, this was not a " payment for goods or services, '' it was a mistaken payment that was refunded by the recipient. It seems totally unreasonable that I am being charged nearly {$100.00} in transaction fees for a transaction that shouldn't have occurred, and which was reversed within minutes. Furthermore, PayPal insists upon characterizing this as " a payment for goods or services, '' which it plainly was not. The recipient did not provide goods or services, was not expecting a payment from me, and promptly refunded the mistaken payment.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX Received email indicating {$190.00} was charged to card by XXXX XXXX company XXXX ph # XXXX. ( fraudulent activity ). 

XXXX Disputed the charge with Bank of America as fraud. I had the XXXX XXXX ' company on the phone while making the dispute because they would not offer any compensation or valid refund. 

XX/XX/XXXX - We received a suspicious envelope at our home stuffed with something that sounded like pills, which we promptly discarded. 

XXXX XXXX - Bank of America says the dispute was not proven to be fraudulent, and that the charge would stay. We appealed that decision because this was fraud, we never made this purchase. 

XX/XX/XXXX, receive letter in the mail saying XXXX supported their end of the transaction by 'confirming we received the merchandise or service '. We did not receive product - I do not open suspicious packages. 

Current XXXX searches of " XXXX '' reveal many people have been frauded in the same method that we were.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (IL)

I have been unable to check my balance, pay for anything at stores, login to my account online or through the mobile app, go to an atm and pull money out all since XX/XX/01 for my american express serve card. When i try to login it says my password is wrong so i try to reset my password and it tells me that there was an error due to 10 mins of inactivity and can't log me in. Then when i try to call the card to get information it says my social can not be recognized so it has me enter my card number then says it can't locate and its transferring me to a customer service agent and i am only for hours upon hours just to be hung up on and not able to speak to anyone. I have a lot of money saved into this account. I chose this card as an option when doing my taxes because i was able to get my funds faster. I can not check my balance to know if my money has even been stolen or not or to see if transactions have been made and there has been no mention of it from american express no emails nothing on there website that is it. I am so afraid that my money got stolen and now i wont get it back.
Consumer complaint received 2021-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

I have multiple payments on my account that are determined to be ineligible toward PSLF due to the reported reason of 'You Do Not Have a Bill Due For this Payment Period. ' However, PSLF does not state that a bill needs to be due, but instead that 120 payments are required to be made toward the loan.

I have 2 federal loans - a direct unsub loan & a direct sub loan. I get one bill each month that includes both loans. One of the 'ineligible " payments is dated XX/XX/XXXX with the above reason - 'You Do Not Have a Bill Due For this Payment Period. ' However, the payment counted toward my direct sub loan but did not count toward my direct unsub loan, despite both having on

ly 1 bill that includes both loans. Two of my ineligible payments from XX/XX/XXXX continue to state 'Pending Manual Review ' despite it being 8yrs later. 

Attached is the information for my ineligible payments as well as documentation demonstrating payments, despite reports of not having bills due for the period. My loans have traded hands multiple times and so I do not have my full history of payments ; however the ineligible payment in and of itself demonstrates that a payment was made. 

Thank you for any help in this matter.
Consumer complaint received 2023-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

This is ridiculous that i have to open yet another case against American Education Services ( AES ) since they said FFEL loans are not covered by forbearance. I am actively trying to locate others who are experiencing the same issues bc this now seems predatory. Every federal loan program that is eligible for Biden relief is on forbearance except anything from AES. They scheme to find any way to charge and report negative credit info based on reinterpretation of details. They are using the letter against the spirit of the forbearance. I have a whole child to put in college by myself and cant pay my own debt. Yet my other student loan company clearly understands the assignment as they have me on forbearance with the same loan type. This is the 2nd time they have done this and got away with is based off XXXX about the type of FEDERAL loan i have AND using my personal forbearance as opposed to using the federal mandate. They are flagrantly flaunting government defiance by publicly denying adherence. PLEASE for the love of XXXX stop their predatory practices not to mention the {$16000.00} additional fees they have continued to add since interest accrual HAS NEVER STOPPED!
Consumer complaint received 2021-11-05
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. (SC)

XX/XX/2019, {$100.00}, Account closed by XXXX XXXX EQUIFAX is reporting inaccurate information on my credit report. 
A closed account should not say ( open account ) on a consumer credit report. A collection account should not have a amount of {$100.00} dollars.

602. Congression

al findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I am currently in the process of trying to purchase a new home, but the incorrect coding for " Account Type '' on my Experian report is preventing me from being able to be approved. Even though it was an installment account and has been closed for months, Experian continues to report it as " REAL ESTATE '' in the Account Type and " Home Improvement Loan '' in the Account Type - Detail lines. 

It is impossible to speak with anyone as they do not answer the phone, so I have sent two letters to Experian over the past several months with a copy of the letter I received from Service Finance Company that states the account in question is NOT Real Estate or a Home Improvement Loan and should not be reported as such. To date, I have not received the courtesy of a reply from Experian, nor have they corrected this erroneous labeling of the account.

This situation has caused damage not only to my report and score, but also to myself financially. If this error is not corrected IMMEDIATELY, I will be forced to consider taking legal action. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-30
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report XXXXXXXX {$310.00} XXXX   XXXX {$8900.00} XXXX  XXXX {$670.00} XXXX  XXXX {$670.00}
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I sent you letter by certified mail, but you failed to remove accounts from my credit report that are unverifiable I'd informed you already they are not linked to any of my address, so how are they verified? You have neglected to remove and delete the items that I have disputed from my report, lists of the accounts are shown below. You should comply since XXXX did.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (MD)

In XX/XX/XXXX, my wife and I were forced to file Chapter XXXX due to some financial hardships due to some medical issues. When we filed the Chapter XXXX, we were living at XXXX XXXX XXXX XXXX, XXXX, PA XXXX and did not include the mortgage in our request for Chapter XXXX. 

I identified the discrepancy on my credit report and submitted my dispute in XXXX. On XX/XX/XXXX, XXXX completed the investigation and said the reporting was accurate. I disputed again through XXXX and called Flagstar Mortgage customer service approximately XX/XX/XXXX. I explained to Flagstar that the loan in question has never been part of our Chapter XXXX ( discharged in XX/XX/XXXX ) and that have been and continue to pay on the loan. Flagstar customer service explained to me that unless I have a letter from the Judge who oversaw the Chapter XXXX stating that the loan was not part of the Chapter XXXX, they could not change the information on my report. On XX/XX/XXXX, XXXX found in Flagstar 's favor again. 

I contacted my XXXX lawyer about what Flagstar explained and was told that because the XXXX was discharged in XX/XX/XXXX, the judge would not go back and provide the letter Flagstar explained I needed. 

I have been paying on a Home Mortgage through Flagstar since XX/XX/XXXX and not receiving credit for paying on time since XX/XX/XXXX. All I ask is that I get credit for what I am doing to re-establish my credit. 

Please provide any guidance that would be beneficial to get this resolved. 

Respectfully, XXXX
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Also Known As : XXXX XXXX, Also Known As : XXXX XXXX, Former : XXXX XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

My husband is a US Citizen living in the XXXX with me and our son. His military pension is paid monthly into our US Chase Bank account, every month we initiate a wire transfer from Chase Bank to XXXX XXXX Bank here in the XXXX. 

On XXXX XXXX, 2022 ; my husband initiated the normal monthly wire transfer in the amount of {$1.00} ( XXXX ), using our stored bank information with Chase as it is a repeat wire transfer. Transaction ID was given for the wire and we have a image of the wire transaction initiation. The wire was never received, my husband contact online customer service to request status of the wire transfer, we were informed that Chase has incorrectly wired the funds to another branch in the US in error. A case number was assigned ( XXXX ) We were informed that they would set about a wire recovery and to allow 3 to 5 days to see the funds retuned. 

XX/XX/XXXX, no funds, contact again by online support again. Told funds still not arrived. Husband then called Arizona Branch of Chase Bank ( our branch ) and spoke to the manager, who then escalated the case to urgent. She was leaving on vacation the next day but placed all notes in the account. 

XX/XX/XXXX, no funds, contacted again customer service and spoke to a manager who then read a disclaimer that although every attempt to recover funds will be made, there is no guarantee! How is this possible when this was a bank error, not an error on our part. 

We are now in arrears with our rent here in the XXXX ( after 9 years of renting our impeccable on time payment history has been tarnished ). In addition we ar

e unable to purchase food for our son and household. We can not reach anyone, and we are constantly told we will get a phone call in return in 2 hours, and 6 hours later no phone call. Our money has been fraudulently placed somewhere
and we are told we can not guarantee return, and even if we do get return we are subject to any return fees for an error by the banking facility not the client.
why was the money not refunded immediately upon realization that a banking error was made by Chase, then they open an internal investigation. Why is the consumer being held hostage in this manner. We have made many international phone calls at expense, time differences has caused us to take time off work to make calls ( husband works evening hours ). And still 10 days after the wire was initiated we have no clear understanding on how it happened, when the money is returned, and what we can do. 

I urgently beg that you assist us in this matter as a matter of urgency.
Consumer complaint received 2021-08-13
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. (PA)

I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-30
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report XXXXXXXX {$310.00} XXXX   XXXX {$8900.00} XXXX XXXX {$670.00} XXXX  XXXX {$670.00}
Consumer complaint received 2021-08-11
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)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I contacted Receivables Performance Management ( RPM ) by phone regarding a XXXX debt on my credit report. The first mistake, the collector verified just my name, then begin to initiate collection efforts. I advise collector, shouldn't you ask more of my information to identify me and I asked her where is the mini maranda and are you collecting on a debt .She then began to verify authentic identification. Due to her unprofessional approach, I felt uncomfortable. So I asked to speak with an supervisor. She transferred me to another woman. When asked if she was a supervisor, she said she was not. At this point, I just wanted, what I am asking for. I advise the woman, I am unaware of this debt, and requested a validation letter along with an itemized statement sent U.S Mail. 

In addition, I've received a letter verifying the company. But have not received an itemized statement. In fact, it was a blank statement. ( Please review attachments ) .because of the unpleasant conversations, the failure to properly handle confidentiality of my personal information, and the unprofessional conduct. I am going nowhere with this company.
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (GA)

I recently checked my credit and saw this company had popped up and reported like 6 times at once. So I called the number I was given online. When they answered they just said XXXX, I said I'm trying to reach DRS. he then said oh okay let me give you another number. He then came back and said I'll transfer you so I said okay. The next guy answered the phone XXXX, and said who is this I stated again I was trying to reach DRS Debt Recovery Systems, then he said ' how did you get this number '' I said I was transferred. So I proceeded to question the errors on my credit report. He didn't have any of my information and was asking for my full social and birthday and my address. I didn't give him any of that. I told him he could verify it with my telephone number if he needed to or my email. Then he said ' your going to tell me how to run my XXXX business. Right then I knew this had to be some type of scam. I would like this removed from my credit immediately, I had my phone on speaker and 3 of my other co-workers heard the conversation and were shocked. I called the company that they listed they were collecting for and they have no clue as to why this company is contacting me. They could not validate any of my information so i did not confirm anything, and using profanity is violating FDCPA
Consumer complaint received 2022-04-27
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. (CA)

I have spoken to this company several times during my hardships because of Covid. They indicated to me that my report could be corrected regarding the late payments. My report is showing 60 days past due which it is not. I feel since I had discussed my situation with the company and accommodations were made, under the Cares Act I should have some protection from this. Not only have this negatively affected my credit tremendously, it has made it impossible to receive any financial assistance to help my situation.