davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I send money to my wife vie XXXX in the amount of {$30.00} on XX/XX/2018, XXXX XXXX. 
There was no issue with the transaction. 

I send money to my wife vie VENMO in the amount of {$800.00} on XX/XX/2018, XXXX XXXX Now, apparently, there is an issue. 

XXXX removed the funds from my checking account, but refused to send to my wife 's account. They requested additional information from her which she provided. However, they still did not release the funds to my wife. 

I received an email requesting additional information from me. I refused and requested the XXXX simply return the funds to me. Now they have a problem with this and are holding my funds hostage for up to 180 DAYS to conclude an investigation into account activity.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. ()

I am writing to file a complaint against OneMain Financial and its subsidiary, XXXX XXXX XXXX XXXX. When I obtained a loan from OneMain, I also purchased their XXXX insurance. Up until my second XXXX XXXX, my loan was paid ahead. The trouble started when I filed a claim on the XXXX insurance. What would seem like an easy straight forward matter, has turned into unending paperwork. My initial claim included the attached documents from the Social Security Administration as well as my XXXX. Both of these documents indicate that I am XXXX XXXX. 

XXXX XXXX has been very slow in paying on my insurance claim due to their continual request for documentation and their confusion with how the paper work was documented as well as lost faxes from my Drs office. ( the Drs office had confirmation from the receiving fax machine that the fax in fact went through ). Because XXXX XXXX and or One Main has dragged their feet and requested the same information so many times, the payments to the account have become past due for the past several months, even though I have given them the information they have requested in a timely manner. All of this has severely effected my credit report in a negative way, dropping my credit score dramatically. 

I was under the assumption that once the paperwork from my XXXX and myself was finally submitted to their satisfaction, XXXX XXXX would either completely pay the loan in whole or make regular monthly payments to satisfy the loan. 

XXXX XXXX now wants myself and my XXXX to completely resubmit the paperwork on a monthly basis in order to continue the claim. The information on the form these companies want filled out has not changed and will not ever change. 

My complaint and question is, Why? The Social Security Administration says I am XXXX XXXX. My XXXX on the XXXX XXXX form says I am XXXX XXXX. I also have a Parking Tag from the DMV indicating I am XXXX XXXX. I am never returning to work. Yes, I see my XXXX for scheduled appointments, but why do I need to waste the Dr and staffs time filling out the same paperwork. 

One of the reasons for my XXXX XXXX XXXX was Stress. I consider this redundant paperwork undue and is causing me unneeded stress. I do not want to have another XXXX XXXX because of all this.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NE)

I was unknowingly enrolled in Discover 's " Payment Protection '' plan when I initially signed up for the discover credit card in XXXX. This has resulted in over {$1000.00} of charges over the years, which has led to my account gaining a balance. They informed me they were emailing me biyearly to alert of my enrollment in the program, but the email did not specify that I was enrolled in anything, nor does it say I was charged for the program. This led Discover to offer reimbursement for the last 6 months of fees, but I do not believe their biyearly alerts were straightforward or clearly stated that I was enrolled in a program, paying for it, and as a result of my enrollment my balance was never going to be paid off by making minimum payments. I see no case where this program helps anyone, as it lead to my balance increasing despite making monthly payments for the last 5 years. It is predatory to a degree, and only hurts the consumer. 

I have not spent a dollar on this card in over 2 years, and my balance has gone from {$2600.00} ( XXXX-XXXX XXXX ) ; to {$2700.00} ( XXXX XXXX ), despite making payments every month.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have had a Home Mortgage loan with Wells Fargo for 12 years. My payments are due on the XXXX of the month and I make them on the XXXX of the month. 

Last month I got a notice that they were transferring my loan servicing to another company. The notice said the other company would reach out to me. Given the nature of scams these days, I was skeptical. I never received another letter about this from XXXX or the other company. No confirmation at all. 

I went to make my loan payment today and the Wells Fargo site said it was transferred. I called Wells Fargo and they confirmed. They could not help me. They did not know anything about how to handle my payment ( which is due now! ). How could they transfer my loan on the day the payment is due and not know how to help me? 

I called the new company and they said a welcome letter should go out in the next ten days. They said I could make a payment but they could not guaranty it would be applied properly. 

Why on earth would I make a {$3900.00} payment to someone I do not know!!! 

Now I am stuck not knowing what to do about my loan. I plan to wait for the welcome letter but I am concerned about my credit score and the interest that is accruing on my loan. 

I am also concerned about my tax reporting since Wells Fargo thought it was a good idea to do this in the last month of the year. 

This appears typical of Wells Fargo caring about their bottom line and not at all about their long term clients.
Consumer complaint received 2018-04-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

Navient is offering an interest rate decrease by 1/4 percent and rate freeze on variable rate interest, but only if you use a scheduled direct withdraw from a bank. By doing so, it discriminates against those who : 1 ) Use a debit or check card, even with a regular payment schedule 2 ) Send money via postal money order or certified check 3 ) People who can pay cash
Consumer complaint received 2018-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IL)

On XX/XX/XXXX I was contacted by XXXX XXXX XXXX informing me that my homeowners insurance policy had not been paid. It was due XX/XX/XXXX in the amount of {$780.00}. I immediately contacted RoundPoint Mortgage ( RPM ) and the representative informed me that the check would be sent to XXXX XXXX overnight. Friday XX/XX/XXXX I called XXXX XXXX to verify that the payment had been received and was notified that they had not received a payment. I call back to RPM and was assured that the payment was sent overnight to XXXX XXXX and if they had not received it by Monday XX/XX/XXXX to call back. I called XXXX XXXX XX/XX/XXXX and still had yet to receive a payment. I again called XXXX and was informed that a check had never been sent and it is not their company 's policy to overnight payments. The rep then informed me that they will request it to be sent and she would call me back with the check number. I never received a call back.I have called back each day since then to retrieve the check number and I have been given a different story each time. One rep told me that the money was electronically sent to XXXX XXXX. Another rep told me that they talked to XXXX XXXX and was given an additional 30 day grace period. As of today the payment still ha not been received by XXXX XXXX and my insurance is scheduled to cancel today at XXXX.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have a monthly auto payment set up for my account with Navient. Each month, I check to see how much was paid for the loan principal versus the interest. For multiple months now, my loan payments have been allocated incorrectly and a majority of my total payment has been charged toward interest. I have called each time, and the customer service reps have no been helpful. Most times, I have to tell them why this should not be, even though it is common sense that I should not be paying more for my interest since I have not been late a single payment and have paid additional amounts to keep the interest payments low. Last month, {$170.00} of my {$350.00} payment was put toward interest. The customer service rep said she didnt see the problem, even though the previous month I paid only {$14.00} in interest. She then said I usually accrue {$94.00} in interest a month. She still didnt see why {$170.00} was way too much for interest. I even looked up the interest calculator that Navient used to calculate each studenta interest payment. It took 2 days for my payment to be corrected. This has been an ongoing problem. I have contacted Navient at least 4 times about the same problem, and each month they take days to get it fixed.
Consumer complaint received 2018-12-19
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. (TX)

IN REGARDS TO : XXXX XXXX XXXX ; XXXX XXXX XXXX TEXAS XXXX I've sent letters to the furnisher disputing the account listed below. I have not heard back from them, but they have verified the account as accurate .CAN THEY FRAUDULENTLY DO THIS? XXXX XXXX XXXX? VERIFYING AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 

I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.Because of this, Im requesting information about your procedures put in place to verify this account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was opened and charged - off. 


PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE.
Consumer complaint received 2018-04-05
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. (MA)

I own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus XXXX  XXXX XXXX Experian are reporting my business as being under a parent company XXXX XXXX XXXX XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of XXXX credit report showing this.
Consumer complaint received 2018-07-24
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (CA)

When the CFPB check my previous and past complaints filed against Sallie Mae and the XXXX XXXX XXXX Agency, the information I recently received from a Company calling itself a XXXX XXXX has completely ignored any of the violations, False reporting, fraud, tampering and accounting issues that I was subjected to from these student loan companies. This company calling itself XXXX XXXX, XXXX. sends out letter after letter requesting full payment of XXXX with a statement " You don't have to break the bank to pay back your student loan. '' My case remains open with Sallie Mae and I haven't received any updates from Sallie Mae since XX/XX/XXXX regarding looking into my payment history dating back to XXXX. I have only been informed that the company was still investigating it. I had also requested to be reimbursed for payments that I had made towards a student loan that had been altered/modified by multiple student loan servicing agencies targeting Low Income/Minority students in XXXX California in the Mid XXXX through the early XXXX. My Hardship Chapter XXXX Bankruptcy was ignored, my Medical XXXX in the late XXXX was rejected and the manipulation, threats, harassment, obscenity and alarming my Employer about this student loan continued for years. This notice for payment is only a continuation of the abuse.
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TX)

I have made numerous attempts to have this issue resolved with Discover regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
Consumer complaint received 2018-07-24
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. (FL)

On XX/XX/XXXX I notified all three major credit bureaus of a breach of my personal information both through the XXXX  Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my XXXX   and Experian reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both XXXX  and Experian made it difficult to access my credit reports directly through their agencies, this was off for me because I could access XXXX through XXXX and Experian through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however XXXX denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both XXXX and Experian have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in XXXX, and Experians high and might oversees customer service team which refuse to correct my report.
Consumer complaint received 2018-04-05
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: Nelnet, Inc. (KY)

Nelnet student loan reported one late payment to the credit bureau that completely ruined my credit that I had been building over the past 5 years with them. I have continuously made payments every single month on all of my accounts for over the allotted amount, and they have always accepted my money. However, they still reported me making my credit score fall from an A to D. I had no idea they had even reported me until my bank ran my credit and notified me. They were unforgiving and would not reverse it saying I had made one of the payments to the wrong group. They said the payment should have been made by XX/XX/XXXX but was not made until XX/XX/XXXX and even after my payment was made on XX/XX/XXXX and up to date, they still reported me on XX/XX/XXXX which led to ruining my credit. Beware of Nelnet they are very unforgiving!
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (TX)

I have made numerous attempts to have this issue resolved with XXXX XXXX regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have 3 accounts on my credit file from XXXX XXXX - acct # XXXX they are all listed with the same account number these accounts have been on my credit file for longer than 7 years. XXXX  deleted the accounts as of XX/XX/2018 but they still remain on file under Transunion and XXXX. 

these accounts should be excluded/removed from my credit file based on the 7 year law
Consumer complaint received 2018-07-24
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. (TX)

There was a dispute mailed to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX TX XXXX. In regards to incorrect and non accurate information being reported to my credit file. It was received and signed for by one of the companies representatives on XX/XX/2018. I have not received any such rebuttal for the claims that I marked invalid on my report. I contacted them again and they still refuse to remove or correct the issue at hand. I was told that they never received the letter however I have the documentation showing that it was signed for and accepted by one of their representatives.
Consumer complaint received 2018-04-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CO)

We leased a car from XXXXXXXX XXXX of XXXX. At the end of the lease term we turned it in. The lady looked over the car and said we owed nothing. Subsequently, we got a bill from XXXX XXXX XXXX saying we owed {$430.00}. We called the customer " service '' line and asked for documentation showing we owed that amount. They never sent us any documentation. So we looked on XXXX XXXX XXXX  website and it showed that THEY owed US {$220.00}. [ This was 3 weeks AFTER they sent us the demand. ] We thought the matter was over. 

In XX/XX/2017, we received a letter from a debt collector saying we owed {$440.00}. We wrote to them and contested it, asking them to send us documentation showing we owed the amount. They sent us the same invoice that Hyundai had sent us in XX/XX/XXXX, which explained nothing. Subsequently, we find that they placed a negative item on our credit report. This almost cost us financing for a new furnace for our house and caused the state bar of Colorado to ask the co-leasee for an explanation of this negative credit report. 

Hyundais business practice was outrageous. They refused to show any documentation, other than an alleged invoice, to explain why while Hyundais website system shows they owe us {$220.00}, they still insist that we owe them {$430.00} AND placed a negative item on our credit reports. We do not like to owe anyone money, so we have always make payments on time. However, we also refuse to be the victims of paying any alleged unproven debt that comes out of thin air. 

All the documents we have are attached with this complaint.
Consumer complaint received 2018-07-24
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. (OH)

I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.
Consumer complaint received 2018-04-05
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: CITIBANK, N.A. (FL)

Citi Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

Citi has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by Citi. 

I will be uploading my XXXX  report clearly showing these negative inaccuracies. I believe that CITI is violating the FCRA and FACTA. 

I called XXXX  XX/XX/XXXX to dispute this information, so I know that Citi got my dispute and XXXX provided a report showing that the information came back as verified ( which is clearly inaccurate )