davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

XX/XX/2024 my Paypal account got hacked and it happened about XXXX minutes before Paypal closed. I called and someone unsuccessfully tried to help me secure my account. I got locked out of my account and had to call again on XX/XX/2024 and the person on that called said that the person did it wrong. She filed a dispute about the unauthorized transactions. I never heard anything back and she said I should see my money back in 10 days. I never seen any of my money. I called today on XX/XX/2024 and they pretty much said that the person on the XX/XX/XXXX also filed the dispute wrong and it is too late for the dispute. 

My account shows that on XX/XX/2024 someone by the name of " XXXX XXXX '' was sent {$1.00} and {$100.00}. I do not know this person and I never sent it. PayPal refuses to help me get this money back. 

Also, shows that on XX/XX/2024 that there are unauthorized transactions to a company called " XXXX '' for XXXX transactions of {$1.00} and {$58.00}. I do not even know what this company is. Paypal says the best they can do say that I never received the product. 

Before the my account was hacked eailer in the day I transferred {$590.00} to my XXXX Checking account. Customer service put a dispute against this transaction when I stated that I was responsible for transferring the money. On XX/XX/2024 they reversed the amount from my XXXX account, but it never showed in my Paypal account. Paypal says they are trying to allocate those funds. 

In all I am hurt and do not trust Paypal anymore. I am missing {$760.00} that I have no guarantee to ever see back.
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Motor Finance XXXX # XXXX. My XXXX XXXX XXXX car loan was paid off on XX/XX/XXXX. They were supposed to release the lien and the title within XXXX business days. Then they told me XXXX days. I contacted Hyundai Motor Finance ( XXXX ) on numerous dates, and no one has been able to release the lien and the title. I contacted them by phone on XX/XX/XXXX XXXX to validate the payoff, XX/XX/XXXX, XX/XX/XXXX XXXX and Supervisor XXXX, XX/XX/XXXX XXXX and Supervisor XXXX and then XXXX and Supervisor XXXX in Escalation Services ( who promised they will be released on XXXX ), XX/XX/XXXX XXXX and XXXX in Escalation Services who provided Case Mgt # XXXX, XXXX/XXXX XXXX. I tried to contact the XXXX and XXXX of XXXX in XXXX, XXXX through their web site. No response there. Then I found all the other complaints exactly like mine on https : XXXX. This is a nightmare and no one has been able to bring this to conclusion. I tried working with XXXX XXXX, the Finance Manager at the XXXX XXXX XXXX XXXX dealer where I got the car loan. So far, XXXX has not budged in releasing the lien and title for my car.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

When the XXXX waiver became available I applied, sent in the required documentation and received updates on how many payments would be eligible under XXXX. This took approximately 9 months. In XX/XX/XXXX I requested an update on the payments listed as ineligble due to forbearance/deferment. I made XXXX phone calls to MOHELA with each one lasting 2-3 hours waiting on hold to speak to a manager because this was an issue that needed " elevation '' I was told. 

During calls I received a different answer to why these payments were considered " ineligible '', I was told that payments in forbearance or deferment would be counted in the XX/XX/2023, then in XX/XX/XXXXXXXX. I was told my payments didn't count because I was defaulted for nearly 36 months. I have no record of my loan being defaulted between XXXX. I never received a letter or notification via email nor a call from my servicer at the time, XXXX saying that. My loan was defaulted in XXXX during a period of Leave Without Pay status, I worked with the Debt Management Center during this time to put it back into Good Standing. 

MOHELA stated they contacted the Debt Management Center, where all defaulted loans are placed for the time period in XXXX and no information was present, I contacted the Debt Management Center and was told my loan was not forwarded to them until XXXX. To date no one can give me an answer on where my XXXX XXXX was during that time period and MOHELA 's website states it was " in forbearance/deferment '' which is not the same thing as " defaulted ''. 

My payment count to date is XXXX ( see attached materials ) and my loans could be forgiven at this time however it shows XXXX payments remain. I was never notified that my loan was even approaching default, no documentation has been found by myself nor MOHELA to indicate that it was in default. I am being penalized for items out of my control.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

I have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/ Reference # : XXXX  should be removed from my credit report entirely!!
Consumer complaint received 2023-10-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

After Experian disputed items on my report some came back as verified. I gave them a chance to cure and also ask to show me the contract I signed, they responded they don't have it. So I asked to prove that debt is mine or delete it. Attach is a letter I want Experian and the original creditor to have. It's experians job to make sure items are 100 % accurate not just a simple, its verified and no investigation was made.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to express my extreme dissatisfaction and concern regarding a recent issue I have encountered with my Chase bank account. I have been a loyal customer of Chase Bank for years, and I have always trusted their institution for its reliability and customer service. However, I am deeply disappointed by the way my recent concern has been handled, which has had a severe impact on both my study and personal life. 

On XX/XX/2023, I discovered that my bank account had been unexpectedly blocked without any prior warning or explanation. This sudden action has caused significant distress and inconvenience, as the funds inside the account are essential for my day-to-day activities, including work-related transactions and personal expenses. And I am only a student, so I really need the money. 

I promptly contacted their customer service department to seek clarification on the matter. To my dismay, I was informed that my account was under review due to unspecified reasons and that the standard review period, which used to take XXXX week, has been extended to an astonishing XXXX months. This unexpected and unjustifiable delay in resolving the issue has left me in a precarious financial situation, hindering my ability to carry out my professional responsibilities and meet my essential needs. I have over {$1000.00} hold by them and it is the money I wish to use to apply for a school, now without this money I cant apply for the school and it is almost past the deadline that I could turn in the money and application. 

I kindly request a thorough and immediate investigation into the circumstances that led to the freezing of my account and the subsequent prolongation of the review period. I urge them to provide me with a clear and detailed explanation of the reasons behind this action. Additionally, I request that my account be reinstated without further delay, allowing me to access my funds and resume my normal activities. 

Furthermore, I expect Chase Bank to compensate me for the losses and inconveniences I have suffered as a result of this situation. The undue stress and financial hardship caused by this incident require redress, and I trust that CFPB, a reputable institution, will take swift action to rectify this matter. 

I appreciate your prompt attention to this urgent issue. I expect to receive a satisfactory resolution soon of receiving this letter. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (CA)

Since Wells Fargo is the bank I was approved for financing I would like Wells Fargo to answer me and the Consumer Financial Protection Bureau with what Wells Fargo agreeing with XXXX XXXX XXXX of XXXX with? That is on page three, as it states on page three under Federal Notices If appliable to transaction, to help the government fight XXXX and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Further more under Federal Notices it says What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your drivers license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX XXXXXXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? Secondly 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? Thirdly why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. Point Five, What does XXXX XXXX in their letter to me mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau report.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo called me on XX/XX/24 to report a fraudulent charge and someone impersonating me to get my account information. They filed a claim for {$430.00}, but after months of " investigating, '' they denied it and took my money, alleging I made the purchase without providing any proof. Why did they bother alerting me to fraud if they were just going to reject my claim? 

Wells Fargo called me from their executive office today, XXXX, accusing me of either making the purchase or allowing someone else to use my card for it. Their justification? Because the scammer had my address, they consider it a legitimate transaction. But they refuse to provide proof of where it was delivered!!! My address is public knowledge and any scammer can easily gain access to this information. 

Wells Fargo refuses to provide me with the document showing proof that this fraudulent purchase was delivered to me! Or provide any proof other than a verbal statement that the merchant knew my address? And that I need to resolve it with the merchant? I DON'T EVEN KNOW WHAT THE MERCHANT IS! Why did Wells Fargo call and alert me to this fraudulent transaction, replace my debit card, and investigate the fraud only to steal this money from me? 

Wells Fargo is infamous for their crooked business practices, opening fake accounts, and prioritizing profits over customer protection. I fully expect this {$430.00} fraudulent charge to be refunded to me as federal law requires Wells Fargo to do. 

I DID NOT MAKE THIS PURCHASE NOR DID I ALLOW ANYONE TO USE MY CARD!!!!!!!!
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP (KS)

They responded to my previous CFPB complaint with a letter addressed to someone else about a completely unrelated complaint. They have not responded to my complaint and now ( because they submitted this unrelated letter in response to my CFPB complaint ) my previous complaint is now closed. This relates to XXXX that was missing in a botched electronic transfer on XX/XX/XXXX.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX Account Number XXXX has violated my rights. In accordance with FCRA 1681a-Definitons ; rules of construction ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consume and the person making the report ; 15USC 1681b permissible purposes of the consumer report.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

XXXX Third bank XX/XX/year> let hackers over draft my account and got me waiting over XXXX weeks to get access to my original funds.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XX/XX/XXXXand Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00}
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (AL)

Checked my XXXX credit score and it went down XXXX points due to a collection that did not belong to me. The company is Texas based called XXXX XXXX. I live in XXXX, AL and we do not have that provider here in Alabama. The account is in collections for {$590.00}. I have issued a dispute with XXXX. This has happened before, so I placed an alert and froze the account. This fraud still happened. It's an individual account and ends with XXXX. I called XXXX and they could not provide account number or any specifics. It states the first delinquency was XX/XX/2022.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian 's repeated failure to conduct thorough investigations of disputes and their ongoing reporting of inaccurate credit information constitutes a direct violation of my rights under state and federal credit reporting laws. Despite multiple attempts to engage with Experian to resolve these issues, no meaningful corrective action has been taken. 

The consequences of this sustained neglect by Experian have had a severe and adverse impact on my financial well-being, creating significant financial hardships and emotional distress in my life. It is evident that their non-compliance with essential credit reporting regulations is causing me undue suffering, and I am left with no alternative but to explore legal avenues for resolution.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Over the last month and a half, I have been trying to receive my credit report from Equifax in order to get a home loan. The 2 other major credit agencies had my credit report from my car loan, but Equifax did not. They said they had an error code NH, which means no history. I have spoken to multiple representatives over the span of 1 month. This includes multiple times a day, and at least once daily. However, I have received no solution to my problem. I was told to mail out copies of my SSC, my car loan, my ID, my marriage license, utility bill and a note explaining situation. However, when I call to check status, they said they do not have any history of this letter. I even paid extra to track my letter with this and saw it arrived at the correct address. However, I was not giving any update or solution. I tried to file a dispute on Equifaxs website, but I get an error code NH telling me to call. I am currently stuck losing my mind as I just want a solution to the problem. I have spoken to XXXX to ensure they have the credit information and are sending out the credit information that Equifax needs. However, despite this, Equifax does not offer any other solution other than mailing out copies of info which I have already done. I am almost in need of a credit attorney which would be a very expensive fix for what should be a simple solution. Equifax has provided zero alternatives. They insist all I need is to mail out that information, but when I did multiple times now, they claim to have never received it nor can they check on status.