davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019 at around XXXX XXXX, I have received a disturbing email from PayPal that I made an " authorized '' payment to XXXX XXXX XXXX for the amount of {$1300.00}. It was clear that someone used my log in information to use my PayPal account to buy something from XXXX XXXX. I went online to use the PayPal Resolution Center to submit a dispute for this fraudulent transaction because their phone operations was closed then. PayPal told me it would take less than 9 days to " investigate '' my case. Come 4 hours later, I have received another email stating my case was denied. Following morning XX/XX/2019, I made a phone call to them stating my case verbally. The customer rep. seemed very enthusiastic to help me get this matter resolved and told me not to worry and she would appeal my case and respond via email. Come 3 hours, I get another email from PayPal saying my appeal has been denied. So far I've been denied twice. I then called my bank to stop payment for {$1200.00} ( This was the difference that PayPal tried to collect after they used my {$80.00} that was in my PayPal Cash Account/Virtual Wallet ). The bank happily put a stop payment even though it hasn't shown in the account activity, so I was able to intercept the charge. I then called PayPal a second time to see if they can escalate my case, but unfortunately customer rep told me he couldn't do anything else. According to them, the fraudulent transaction was " authorized '' from me. So I figured putting a stop payment would revert everything to normal. Obviously I was wrong when I logged into my PayPal account on XX/XX/2019 around morning and immediately noticed they put a negative charge of {$1200.00} on my virtual wallet account. Furious, I called them up a third time to see what they could do to rectify this problem : the only thing the customer rep. did this 3rd time around was re-open the case and appealed it again. I'm pretty sure it wouldn't solve anything a third time. I have been a loyal XXXX customer for over a decade so it doesn't make sense why I would pay XXXX XXXX. I don't even have an account with that phone company. I have been a loyal customer with PayPal for almost 2 decades and have had a good status with my account until now. They are supposed to be safe and protect the customer but their 2-3 hour investigation ( after they told me it would take 9 days ) wouldn't help my case at all. I'm very upset and stressed over this matter.
Consumer complaint received 2020-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX  XXXX XXXX or XXXX
Consumer complaint received 2019-10-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (CA)

I bought a used car thru Westlake Financial with an interest rate of 22 % and additional insurance I thought it was Gap. In  XX/XX/XXXX while driving home something happened to the chasis and I lost control. The car was considered a total loss and paid off thru my insurance. The SUV was valued at {$14000.00} XXXX for a used car and the miles. I continued paying off my car payment of {$500.00} a month. But unfortunately I don't have transportation so I stopped making the payments. These last seven months I have tried working with an outside credit counseling organization so they can have them stop calling me at work at all times and at least making a comprise of lower payments less than 500. According to Westlake Financial I  owed them {$3000.00} and now the amount has climbed to {$4200.00} for the difference of the SUV. They valued the SUV at more than {$19000.00} and XXXX valued it at less than {$14000.00}. My car insurance also had to pay the car registration which Westlake Financial also was charging me {$600.00} dollars for interest. I feel bad Westlake has left two envelopes twice at my door. My brother saw them ringing the bell and leaving the envelopes. Their collection calls began with area code XXXX and have made calls in one week totaling 50 calls with voicemails. The caller seems angry in their voicemail. My company pays for my phone and they have warned me that my calls exceed what is costumary for work. I would like for them to stop calling me more than 50 times in one week, to stop leaving envelopes at my door and ringing my door. I would like to make payments of {$120.00} for 3 years. I have no car and still owe the SUV because I was unaware of their tactics of telling me that it included GAP. Please help I don't know where else to seek help. Unfortunately I feel like a fool for not reading the fine print and relying on their word. 

Sincerely XXXX XXXX
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (GA)

I sent letters to the collection company and credit bureaus informing them that this account dont belong to me. Ive never been to XXXX XXXX  or had a XXXX XXXX  credit card or whatever kind of account is this. Ive been XXXX for over 10 years. This company have failed to remove this debt that dont belong to me. They cant prove this account belongs to me because its not mine. I request this account be removed from my credit immediately.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I was sent a letter stating that my payment would increase unless I paid an escrow shortage. I submitted the requested payment of XXXX. The following month, I received a call informing me that my payment had not been received and they wanted to make payment arrangement. 

My payment is made via my banks auto pay so I knew it was made. Upon research, he then told me the payment was received but it wasn't enough to been cover my amount due, so that payment had been suspended until the full payment was made. 

I explained that my payment is made automatically every month for the same amount. He then saw that my payment had increased by approximately 100.00. I asked why did my payment increase when I submitted the escrow shortage, and  was told the payment was mistakenly applied to the principal instead of the escrow shortage. I was then told that my monthly payment would continue to be suspended until they corrected the error, which should take a few weeks. In the mean time to keep making my regular payments at my current amount due. 

I received more calls saying my account was deliquent. Despite making the monthly payments as directed. I had to explain what I was told and after reviewing the account and notes they directed me to keep doing as I was. 

Then received several notices of Intent to Foreclose from a company XXXX XXXX   on behalf of PHH mortgage. As well as a notice of late fees applied. I called to find out what was going on and was told that my payment had not been received until after the past due date. Which was false. There records show that they received my payment on the XXXX and didn't apply it until the XXXX. Then charged me a XXXX late fee, and also sent an un I ask that you investigate this event and see if this is a pattern of fraud by this company.
Consumer complaint received 2020-04-09
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Valentine and Kebartas, Inc. (WI)

The debt collector handling my federal student loan, Valentine and Kebartas, LLC, has not notified me about their possession of the loan or the status of the loan. I also believe Valentine and Kebartas, LLC is avoiding my calls and correspondence so that they can continue receiving a tax offset and now garnish my federal stimulus for covid-19 relief. I hope that is not the case.

Valentine and Kebartas, LLC currently has a default status setup on my XXXX federal student loan, has charged over 25 % interest, and recently received my tax refund ( of over {$3400.00} ) in full for an amount greater than my original student loan ( {$3200.00} ). The loan is currently still in default and based on these actions, despite my severe financial hardship during covid-19, it appears that Valentine and Kebartas, LLC is still looking to receive more. 

I have entered severe financial hardships, and was unaware that this loan even existed thinking I had consolidated it with other loans. 

The loan has been through 3 different service providers, and I have not been notified of these changes or of the additional interest that would be charged to my account. I was also not notified that my account was in default. Furthermore, I was not notified that a tax offset was active for this loan. Last, I was not made aware of any options I had to remedy the loan, call, or make payment arrangements. 

I have tried contacting the debt collection agency several times over the last four weeks. 
I sent Valentine and Kebartas, LLC a fax on XX/XX/XXXX and called their number ( XXXX  ) XXXX numerous times with no response. Their telephone number sends me to voicemail, and they do no list an Email address. 

Per federal student loan guidelines I should have been informed of the nature of the loan, the new handling of the loan, options to remedy the loan, and a notice of tax offset, I have not received any of those notices and was taken by complete surprise. Per covid-19 relief efforts, I currently have rights to my full tax refund.
Consumer complaint received 2019-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is in regards to innacurate information on my credit report involving all three credit bureaus. I disputed the information by mail and have delivery confirmation. I was then notified the information was verified as accurate. I then requested a method of verificationn with delivery confirmation and expected a response with in 15 days. I have recieved a copy of my current credit report with either no changes or only some changes in most cases the changes weren't even relevant to my dispute. There however has been no method of verification whatsoever.
Consumer complaint received 2019-10-21
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: Experian Information Solutions Inc. (NY)

The CFPB form asks people if they have tried to straighten out the problem with the Company - I did!!!! At least 17 times!!!!

I have tried at least 17 times ( seventeen times ) to get this straightened out with the company! Literally! 

I tried with e-mails - faxes -telephone calls - and paper-mail!!!! 

___ EXPERIAN Fax Number - - - XXXX - Alt - - - XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information!!!! 


To XXXX XXXX & Experian & Others Whom It May Concern : ___ I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1 } The following inquiry needs to be softened or removed immediately : Creditor Name : BOA Date - XXXX Explanation : I requested to be provided written proof if I supposedly consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Experian provided no proof - I would like it softened or removed immediately!!!!!!!

SPECIAL NOTE # 1 - I emphasize again - the hard inquiry must me softened or deleted TODAY!!!!! Because the time limit for compliance with FCRA & CPA & FACTA & CARD ACT & ADA & other laws has already expired!!!!!!!!!!!!

SPECIAL NOTE # 2 - I am a paying customer of Experian!!!!!!! Even tho I am a paying customer of Experian - Experian has often failed to do what Experian has been paid to do!!!!!!!! And Experian has even failed to do many things that Experian is supposed to do even for the free customers!!!!!!!!!!!! What is wrong with Experian?????????????? Experian is required to delete or soften the above stated inquiry TODAY!!!!!! TODAY!!!!!!!!!!!! 



2 } The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX XXXXXXXX Date - XX/XX/XXXX Explanation : I would like to be provided written proof if I supposedly consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately, I would like it to be softened or removed immediately!

___ God Bless America!!!! 
___
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (OR)

COLLECTION BUREAU OF AMERICA XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX. 

OPEN DATE XX/XX/2019 ORIGINAL AMOUNT XXXX In XX/XX/2019, I first learned that I have collection report from XXXX and XXXX. I have no idea of this medical bill / collection information at all. This collection comes from a company called COLLECTION BUREAU OF AMERICA. Therefore, I contacted COLLECTION BUREAU OF AMERICA through certified letter and requested ( received ) return receipt. The return receipt dated at XX/XX/2019. The letter I sent is debt validation letter. However, I never received any reply from COLLECTION BUREAU OF AMERICA.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (NJ)

I purchased the vehicle back in XX/XX/XXXX with PNC Bank financing sourced directly through the dealership. I never received an electronic log in or any paper or electronic statements when creating the car note. After making payments on time/early in person or over the phone for ~ 2.5 years, the rep on the phone gave me a one time pin to set up electronic payments to which I set up into the future over 12 months. 

Subsequently, I purchased a home in XX/XX/XXXX and have been dealing with a large renovation that has displaced me and my family. We have been staying with relatives for the past 6 months. Over the summer, my automatic payments ended as there was no option to set them up indefinitely. I did not notice that the car payments had stopped coming out as I had been occupied with other things like payments going to contractors and they had been automatic for such a long period of time at that point. 

The last payment ( confirmed this afterward ) was XX/XX/XXXX and I received no phone calls, physical or electronic statements, email notifications or any other attempts to notify me that payment was late or due until on XX/XX/XXXX when I received an alert from XXXX XXXX telling me I had a new 30-day late mark. 

I had no idea and immediately went down to my local branch and brought the vehicle loan current in full. While there, the branch manager noted that whoever set up my PNC Bank account did not enter in the correct phone number. She also noted that they had received a notification of change of address from the USPS ( I used there mail forwarding service ). I told her that I had not received any communication from the bank during this time and to this date, XX/XX/XXXX, I have never received a monthly statement showing me the balance of my auto loan. 

I asked the bank if they would remove the 30-day late mark as no attempt was made to contact me to notify me of a past due balance as well as no statement or evidence was provided to me alerting me that I wasn't paying them. They told me I would have to file a complaint and that they would not remove the mark. 

I also wanted to note that during the time of non-payment, even though I received no communications about the standing of my account, I received emails and physical mail from them asking me to open a HELOC or apply for a credit card. This is evidence that the bank did have a way to contact me.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (FL)

Trying to get my credit report showing the information about the XXXX and payment history since XXXX I have been trying to get the answers from Wells Fargo to explain why they removed items from my credit history.
Consumer complaint received 2022-03-31
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: CBC Companies, Inc. (IL)

I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FACTUAL DATA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XX/XX/XXXX Specialized Loan Servicing Correspondence Department XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX  Loan Account # XXXX As instructed, I am writing for a complete financial review of the referenced account for property XXXX XXXX XXXX XXXX New York XXXX owned by XXXX and XXXX XXXX and serviced by Specialized Loan Servicing. 

This is the latest in a series of calls, faxes, and letters concerning this matter. As recently as yesterday, I received a call early in the morning from SLS stating that the account is delinquent. This despite proof that payments have been made on time and complete since the origination of this loan in XX/XX/XXXX. 

I have repeatedly requested someone with a name and title to speak to from SLS.  This has been denied in favor of a series of calls from customer service stating delinquency and asking what my intent is for the property? 

Despite having copies of the front and backs of checks cashed by SLS and the TD checking account bank statements ( total of 10 checks for the months of XX/XX/XXXX XX/XX/XXXX ), I have been repeatedly asked for check numbers and amounts! 

Update XX/XX/XXXX - 11th check dated XX/XX/XXXX received and cashed by SLS. 

Finally, the few account statements that I have received are contradictory and inconsistent. I have been having this discussion with SLS all year. 

I am tired of getting the runaround have been seeking a alternative, reputable financial institution to take over this mortgage. Until then, this matter must be resolved. 

Ask that the abuse stops and that someone responsible at SLS contact me at XXXX or XXXX. after they have reviewed the original loan documents, payments received, and all correspondence. 



XXXX XXXX
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

I made a double payment in which one of the payments was applied towards the principal balance as it should have. However, the second payment also was applied to the next monthly payment. The second payment should have reduced the principal balance that interest is being charged against which would reduce the monthly payments. The company is not recalculating the interest that should be charged by applying the overpayments towards future monthly payments.
Consumer complaint received 2019-09-25
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$500.00}, {$7700.00}, {$1000.00}, {$900.00}, {$1000.00}, {$5300.00}, {$5900.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-OPEN ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account. 


-COLLECTIONS- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.