davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (CA)

Firstly, I am impressed with the ease of using your website to file this complaint. Thank you. 

Second, I must apologize for my selection of categories for my issue because none of the categories accurately reflect the nature of my issue. 

Finally, on XX/XX/2019, PayPal delivered a Notice of Policy Updates. The Notice indicates that I will need a " balance account '' linked to my current PayPal account due to " a new regulation issued by the Consumer Financial Protection Bureau in Washington, D.C. coming into effect on XX/XX/2019 ''. 

After an hour or so of searching the CFPB site as well as the broader Internet for " balance account '', " PayPal Cash '', " cfpb cash account '', " cfpb paypal '', etc. I have only come across one article describing a consent decree resulting in a $ XXXX settlement, which unfortunately has nothing to do with this " balance account ''. 

Additionally, due to my limited literacy in financial legal terminology, I must concede that I am left with the impression that PayPal may have taken some obscure ruling of yours to automatically open an account for me ( " PayPal Cash '' ) without my active consent by the wording " If you agree to these changes, you dont have to do anything. ".
Consumer complaint received 2023-06-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (FL)

First this account was opened with XXXX XXXX and moved to department of education and now with XXXX XXXX  which neither one of these agencies have my wet signatures of a promissory note from both parties and should not be reporting on my credit report and have sent XXXX letters and no response. The original school of loans was closed and sued for defrauding the us government and school was doing illegal things and had to pay and be closed down and now I have lost credit hours and money in this situation
Consumer complaint received 2020-05-19
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. (MO)

Not sure if this was caused by me losing my wallet, or being a victim of the dark web and/ or the Equifax data breach, however my identity has been compromised and the following accounts are unauthorized and unknown to me. Therefore, I'm demanding that these accounts be removed and blocked immediately from my credit files. 

1 ) XXXX XXXX  {$210.00} 2 ) XXXX XXXX  {$570.00} 3 ) XXXX XXXX XXXX {$5100.00} 4 ) XXXX XXXX XXXX {$380.00} 5 ) XXXX XXXX XXXX {$50.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX  8 ) XXXX  XXXX XXXX  XXXX 9 )  XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX  11 ) XXXX XXXX XXXX  12 ) XXXX/ XXXX XXXX
Consumer complaint received 2019-02-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

XXXX XXXX and XXXX is claiming ownership of a student loan debt that they are reluctant to prove that they own the debt and that I owe the debt. 

I have requested from XXXX XXXX " current owner '' stated on monthly statements original documents from the original creditor that were executed and authorized by me. XXXX " the servicer '' has failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. In addition, I requested a copy of the contract agreement that gave authorization for XXXX XXXX to be the current owner without proof. 

I demand to know who legally owns this debt.
Consumer complaint received 2023-06-12
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: Navient Solutions, LLC. (TX)

This complaint is regarding my student loans with Navient. There has been a National pause on all federal student loans which included my student loans with Navient since the beginning of the Pandemic outrage. On XX/XX/XXXX I received a notification from my XXXX credit monitoring service that Navient reported a XXXX XXXX XXXX ) late payment to my credit report that devoured my credit rating! This is UNACCEPTABLE as I have held a perfect payment history with all my creditors! I immediately called Navient on XX/XX/XXXX and XX/XX/XXXX to ask how this happened and why Navient had not made me aware that I was past due or that my loan was no longer on pause!? I was told on both occasions that they had been trying to call me and supposedly emailed me regarding my past due balance. I NEVER received any phone calls or emails from Navient regarding a past due amount and I had no knowledge of a payment due since the payments have been on pause since the Covid Pandemic! They reported a XXXX  day late payment without even reporting a XX/XX/XXXX day late payment ( see attached ) and that is a violation on the FCRA! If Navient says they called and emailed me regarding a past due amount I demand to see all call records and emails showing this. I verified my email and phone number with the representatives I spoke with on XX/XX/XXXX and XX/XX/XXXX. I brought the account current and made a payment arrangement for my loan with Navient. I've had every intention of paying off my student loans!
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Some time ago, I created a myEquifax account to manage the process of freezing/unfreezing my credit file online vs. calling them, which is a minimum 20 minute endeavor. Earlier this year, I found that I was unable to log into my account, being told credentials entered were not correct, even though i was certain they were. Ultimately, an incident report was initiated ( conf. # : XXXX ) to have their technical group investigate and resolve, with a promise of an email being sent to me once corrected. Months later, after still not having received said email, I mailed a letter ( copy attached ) to Equifax corporate ( to their Chief Legal Officer, XXXX XXXX, dated XX/XX/20 ) detailing my saga and requesting that my issue be escalated for a remedy and response, neither of which has yet to occur in the month or so since sending that letter. 

Last week, I tried logging in again, including doing the whole password reset routine multiple times, but to no avail. On XX/XX/20, I called again, stepping through the whole calling in and verifying myself process for about 20 minutes, then finally speaking with someone. After about 20 minutes of conversation, I was suddenly disconnected and the agent never called me back. I have a log of every date, time, agent name & agent ID documenting my multiple calls on hand if needed. This same log was included in my letter to facilitate verification internally. 

I am at a dead end. I have no choice but to have to deal with Equifax since they hold the " keys to the kingdom '' so to speak for most credit checks, but they have not done anything to resolve the issue. This has left me with no other option but to appear to your agency to step in and make them perform on this matter. 

Please advise if any other info is needed from me to move forward with this complaint. I am also attaching a log of my interactions with Equifax on this matter.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (OR)

Complaint ID XXXX I received an partial answer on my complaint : However the company Barclays Bank of Delaware did not include balance in my account nor any information as to where the {$400.00} dollars I had paid them went. In reviewing the payment history they have not applied the amount to my account so where is it.. I have cancelled checks showing payment but it does not appear on my payment history. 

I called bank and the loan office could not give me an explanation XXXX XXXX.
Consumer complaint received 2020-05-19
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. (CA)

I recently got my credit pulled because I am trying to buy a house however, I was told that there were a total of five accounts in negative standing appearing on my credit and due to these accounts I would not qualify for the home loan. The accounts are from XXXX  XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I do not have any type of contract or agreement with these companies and I have never given them permission to run or access my credit file/personal information.
Consumer complaint received 2019-03-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Knight Adjustment Bureau (UT)

The amount of {$560.00} was borrowed from XXXX XXXX XXXX XXXX on XX/XX/XXXX. Due to financial shortcomings, the amount was sold to the 3rd party debt collector Knight Adjustment Bureau. 

On the original conversation, that took place within 6 months after the debt was sold off. Knight Adjustment Bureau demanded {$3000.00} and threatened legal action if the amount was not paid, and did so in a threatful manner. Them, not willing to negotiate, and not having the money at the time, I broke off any attempt to negotiate. Knight Adjustment Bureau, not willing to take " not at this time '' as an answer, they continued to call with -- what I believe to be -- the intention to annoy. Repeatedly calling even after I asked them to stop. It got to the point where I was receiving multiple calls a week, at times may per day. eventually, at the suggestion of counsel, a Cease and Desist letter had to be issued -- included in the attachments -- - to stop the calls and letters stopped. 

On XX/XX/XXXX the amount of {$990.00} was paid, later retracted. Then on XX/XX/XXXX, well under extreme duress perpetrated by Knight Adjustment Bureau, the amount of {$1100.00}, was paid to prevent any additional harassment and threats. The whole ordeal of XX/XX/XXXX, was spread over many phone calls, and involved threats and harassment perpetrated by Knight Adjustment Bureau. 


My info Name : XXXX XXXX Email : XXXX Phone : XXXX There info : located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax : XXXX Email : XXXX Email : XXXX Note : Feel free to contact me for any follow-up, note I do not answer numbers I do not recognize, mostly for reasons stated above. email is the best contact.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VT)

For the past five business days, beginning with Friday, XX/XX/2021, I have attempted to contact Mr. Cooper Lending regarding inaccurate property tax payment details for my upcoming property tax payment due in XXXX. There are significant deficiencies with the escrow data that may lead to an incorrect payment, or lead to the lack of receipt by my municipality. 

I have submitted daily inquires, including the uploading of my property tax bill, via Mr. Cooper 's secure online message portal. I have left voice mail messages, and I have submitted email inquiries to Mr. Cooper 's escrow team, all of which have gone unanswered. It is not so much the character of the customer service that causes concern, as much as it is a complete lack of discernible customer service whatsoever. The apparent inability to communicate with Mr. Cooper regarding a proactive borrower 's escrow concerns borders on an abrogation of its regulatory requirements.
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WI)

I was scammed by being sent fraudulent checks through email that I would print out and deposit in my bank account. The first check was worth XXXX . The second check was worth XXXX . I was then told by a scammer claiming to be a XXXX  XXXX XXXX professor which is the university I attend to purchase 4 XXXX XXXX Cards, the first one worth XXXX , the second one worth XXXX $ and the third one worth XXXX $ and the fourth one worth XXXX $ which equals a total of XXXX . I would then take a picture of the codes on each and send them to the scammer. The first check I deposited got rejected which is how I found out it was fraudulent. The reason why I did all this in the first place was because I applied for on-campus jobs through an app called XXXX XXXX which is an app for students who are interested in having an on-campus job or doing an internship related to their major so I assumed this had something to do with one of the jobs I applied for especially given the fact that they were claiming to be one of  the professors at my university. 
I have attached the codes of all 4 of the XXXX XXXX Cards I purchased as well as the amounts of money that were deposited in my bank account via the fake checks, the money that was taken from my bank account because of the first fake check as well as the amount of money I purchased on the XXXX XXXX Cards.
Consumer complaint received 2024-10-28
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (FL)

Hi Sir/Madam, This is regarding the company called WorldRemit on XX/XX/XXXX I created a money transfer to XXXX to my savings account in XXXX XXXX XXXX XXXX for USD XXXX i have done many transaction with this company but all are less than USD XXXX, until this date i did not get my money into my bank so last 10 days i asked them to cancel my transaction and refund my money, the response from them is that their XXXX partner is having a technical issue, so i did a transfer for USD XXXX to my same XXXX XXXX  savings account on XX/XX/XXXX just to see weather they are telling me the truth. to my surprise the USD XXXX got transferred in 10 minute to my XXXX bank, then i called again and told them this transfer. 
the world remit representative said that it's because now they are using yes bank, my transfer for USD XXXX was through XXXX XXXX XXXX and they are still waiting for the confirmation from them. this does not wound right to me. please help me in getting my money back. i'm attaching my money transfer receipt of both XXXX and XXXX and the proof of my XXXX bank account with the same amount. my worldremit customer number is XXXX. the transfer number for the disputed transaction is XXXX. 
the transfer number on the USD XXXX which was done on XX/XX/XXXX is XXXX please help.
Consumer complaint received 2019-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WV)

My Sallie Mae loan was transferred to Navient which they have the right to do so. After exhausting all deferments I had to start paying on my student loans. On XX/XX/2012, I began working for a nonprofit and asked for the PSLE and kept being told it was not an option so I was paying 75 % of my income to this loan. I kept getting calls and do to language barriers, their representatives were not entering my correct banking information to set up my automatic payment withdrawals. I gave them the banking information and the the telephone number and was told this would be taken care of. After 4 missed payments, not my fault, this hit my credit. I have asked for them to be removed and was denied. I also found out they were deceptive in the fact that that since I did work for a XXXX, I did qualify for the PSLE and transferred my loan to XXXX XXXX and have had no other issues. Their deceptive tactics need to be addressed.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX I got a call from someone with an accent saying that I needed to give him money because someone had gotten into my XXXX account and I needed to fix it. I went to navy Federal credit union and the person on the phone walked me through transferring money from my money market account to my checking. He then had me wire {$15000.00} to someone in Florida. My wife found out and called the credit union that day and tried to put a stop on it. They said wire transfers were like cash but they would try to get it back. They called the receiving bank and I guess it was up to them if they were able to stop this transfer. We also made a police report. We talked to the people from Navy Fed up to last week and have not heard from them, I assume they couldn't get the money back. The man with the accent called me and my wife continuously for days trying to get us to give him some confirmation number that the wire had gone through, but we didn't give him anything
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MA)

I had an automated debit scheduled with Discover credit card, on XXXX to take {$140.00} out of my checking account to pay my credit card bill. This is completely automated and has always taken processed correctly the day my payment is due, the XXXX. On XXXX I logged onto my Checking Account to see I got an return check fee of {$30.00} levied against my checking account. I contacted the bank and they told me Discover did not attempt to bill me till XXXX. My bank attempted to process this charge that occurred on XXXX, after a series of withdrawals and point-of-sale purchases that occurred from the XXXX to the XXXX, in order to force the bill to present against insufficient funds. There were sufficient funds on the XXXX, XXXX, XXXX, and XXXX. The bank deliberately processed a sale that occurred on the XXXX first before the credit card charge from the XXXX, in order to force the insufficient funds when they should have been blocked at point-of-sale. 

I contacted Discover customer service and spoke to XXXX, XXXX XXXX. She informed me that my payment was withdrawn from my checking account, and was cleared - I would not have any late payment penalty or fees and my bill from the XXXX was withdrawn from my bank and paid on time on the XXXX. I reported my bank for defrauding me with the return check fee, which is still pending resolution with the FDIC. 

On XXXX Discover filed a return charge of {$39.00} dollars and rebilled my checking account. 

On XXXX I logged into my online banking with Discover and return fee and rebill. This means that both my bank and Discover lied maliciously about the date of the transaction in order to defraud me with bogus fees.
Consumer complaint received 2019-03-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (CA)

I was contacted via cell phone and told that I could have my {$46000.00} in student loan debt settled for over 80 % less than what I owed. I was to pay a fee of {$1000.00} first, then I would pay {$30.00} each month for the next 30 years, and then the rest of my balance would be forgiven. I took that to mean each month the {$30.00} that were being directly withdrawn from my checking account was going towards my loans. That was not the case. XXXX had not received any of the money I had paid, and I was near having my loans go into default. I paid Premier student loan for over a year.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ME)

XXXX XXXX Equifax have violated my right under 15 U.S.C 1681 ( A ) reads The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report i would like all accounts removed which include XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX i would like all accounts Deleted immediately