davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Paypal Holdings, Inc ()

Hello To whom it may concern. 

1- PayPal allegations are false as they are not a partner with my business and they don't know the nature of my business. Copyright infringements and trademark violations stated by PayPal are

nonexistent. 
2- PayPal failed t
o provide a valid court order or a copyright/trademark infringement complaint to justify how they unlawfully seized my money. 
3- All disputes with my clients have been already resolved and the remaining balance was my hard earned money. 
4- My business activities were allowed under the law, the service I provide is legal. There is no law that prohibit the service provided to my customers. 
5- PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
6- PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reached XXXX! 
7- I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment. 

Looking forward to transfer my money back. 
Regards XXXX XXXX
Consumer complaint received 2022-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo sent me a letter to inform my escrow is short. I sent a complaint the beginning of XX/XX/2022 requesting to issue me my escrow balance, but the lady refused stating the determination of my escrow is correct. I informed that there is no increase in taxes next year, and my escrow should be an overpayment for this year and not a shortage. She refused to look back the last few years, and told me to find the documentation and submit it to her. I shouldn't have to do that, so I am sending another complaint and provide the documentation from XXXX & XXXX to show what a refund needs to be issued. Wells Fargo needs to take a look at my last three escrow statements and see that a refund needs to be issued
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc. (CO)

I paid off my debt for : UNIFIN INC . 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : XXXX Debt was paid off, and negotiated from the original amount of {$2100.00} to {$1300.00}. 

Debt was supposed to be paid off and also supposed to be deleted off my credit report. 

After looking at my XXXX report, THEY SUBTRACTED MY NEGOTIATED PAYMENT WHICH WAS {$1300.00} FROM MY DEBT BALANCE WHICH WAS {$2100.00} = {$730.00} LEFT OWED MY ACCOUNT WAS SUPPOSED TO BE PAID OFF AND DELETED OFF MY REPORT. 

I HAVE MY ENTIRE CONVERSATION WITH THEM RECORDED AND THEY ALSO HAVE ME RECORDED ON THEIR LINE AS WELL. 

COLORADO IS A ONE PERSON CONSENT STATE.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. 

My only name is XXXX XXXX XXXX My only current address is XXXX XXXX XXXX, XXXX, TX XXXX My social security number is XXXX My birthdate is XX/XX/year> Inaccurate Name : XXXX XXXX XXXX - I do not associate with this name. Kindly remove it and update my report Inaccurate Addresses : XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-11-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

this is a predatory debt collector, it was a second equity loan open XXXX. XXXX offer to settle debt XXXX % in XXXX but my mother owner of debt died XX/XX/XXXX, .I have adversely affected by the SPS since i requested assistance XXXX XXXX, they have finally denied XX/XX/XXXX. this debt belong to my mother, since she has been dead now ten years, i requested XXXX issue a reconveyance of the loan on XX/XX/XXXX. it is still pending. 
on XX/XX/XXXX i agreed to short sell the property but they said i was too late. Now the call daily and want me request assistance, i have not answered, so now they filed a default and pending foreclosure. 
i am XXXX and i have no income since XXXX, it went directly to my mother, she made all financial decision 's on my behalf. XXXX refused to settle since i was XXXX, now the servicer changes my single point of contact every month. i am so confused and XXXX but i am trying, on XX/XX/XXXX the sent 40 certified letters with information about the foreclosures. 
SPS is the XXXX servicer, they constantly cancel my homeowners insurance and place their own. i have acted in good faith but they constantly flip flop. the default and foreclosure notices were recorded after the 10year statue of limitation.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (OK)

I received a copy of my credit reports and found a debt to XXXX XXXX NV being collected by IQ Data International. I moved out at the end of my lease and gave correct notice. I received a partial security deposit back as they used part for cleaning. I have tried sending debt validation to IQ Data International , Inc and gotten all letters returned to me. I have tried calling and I get very hostile, rude responses telling me just to pay it and I owe it. I have no reason to owe this property any money, and if I did, why would they give me back part of my deposit?
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (TX)

XX/XX/2020, Specialized Loan Servicing, " SLS '', conducted a review of my application submitted for a loan modification and was approved. 
To accept the offer, my initial trial payment of {$390.00} with a date of XX/XX/2020, must be received no later than XX/XX/2020. 
Payment was made on XX/XX/2020 and credited to the account on XX/XX/2020. 
The period in between XX/XX/2020, scheduled payment date and the offer experation date of XX/XX/2020, is their grace period to allow me to opt in. 
Permanent Modification start date was to be XX/XX/2020. 
Second trial payment of {$390.00} paid on XX/XX/2020 and credited to account on XX/XX/2020. Third and final payment was made {$390.00} and credited on XX/XX/2020. 
I submitted ( 2 ) signed copies of my modification agreement, and SLS had signed the modification agreement and my mortgage was to be permanently modified and my name put on the account. I provided all information and documents thru a few lawyers for 2 1/2 years. 
My mother has been dead for 8 years! I have not missed nor have I been late on payments since her death. I still reside in this old house. I am paying over {$1200.00} a year for homeowner 's incsurance that I can not use because my bank will not cash checks made out to THE ESTATE OF. There is NO estate. My mother died broke. 
I could have received a discount on my homeowner 's insurance with my security cameras but they said I don't have credit. I needed another internet service provider and had to pay a sizable deposit because they said I don't have credit. The bullet holes that are in my windows are still there because I can't get the check cashed to replace the broken windows. The plumbing problems are destroying my wood floors. I hope I don't fall thru, I'm already XXXX! I should have credit but SLS continues to give the credit to my dead mother. They don't get their money from my dead mother, they get it from me straight out of my bank account every month! All I have done is continue to pay for what my mother left. Why am I being punished????
Consumer complaint received 2023-06-27
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-28
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: EdFinancial Services (FL)

ED financial services I have called and spoken to on many occassions. In XXXX of XXXX I called and was told my account payment due would be froze due to hurricane. On my credit report it is showing a late or missed payment for this month. It was always told to the previously loan holder XXXX XXXX as well who didnt fix it. I have tried dozens of times. Please remove this from all credit reports. I should have no missed payments on this. Correct it or face civil legal action. The company last we spoke said they would fix it this was on XX/XX/XXXX when we last spoke. The rep said she would put plenty of notes and agreed she say the previous notes from XXXX showing i called in but it wasnt processed right. Its impacted my credit ever since. Please remove it and provide me a hard copy mailed letter and pdf attachment as well showing removed and no late payments or missed payments ever on this account. Thank you. Please also supply me legal subpoenas mailing address for my demand letters and future attorney mailings.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CT)

Both of my parents died in XXXX. They were Citibank customers for decades and had XXXX checking accounts and a savings account at the time of their deaths. I called the bank and was forwarded to the estates department where I was told what papers to submit to be able to close the accounts and collect the remaining funds. 
Closing the checking accounts was not an issue but, 4 months after submitting my paperwork, the savings account is still open and I havent been able to collect the money held in it. 
I sent the first package containing the death certificates, proof of executorship, etc. in XXXX ( XXXX ) via certified mail. It was received on XX/XX/XXXX and I have the return receipt to prove it. After hearing nothing for XXXX weeks, I called and was told the packet was lost and Id have to submit it again. The second time I faxed it and was told the information had been entered into the system by XX/XX/XXXX and it would take XXXX weeks to receive a check. Its been almost XXXX weeks and no check has arrived. 
This is maddening! I have no complaint against the representatives who answer the phone. The problem is structural. The phone reps are polite but powerless to do anything. They keep saying the back office is behind and they dont know when the check will be written. Asking to speak to a supervisor or someone from the back office gets me nowhere. Apparently, they dont talk directly to the public.
Consumer complaint received 2022-11-28
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. (CA)

I have been disputing the following unauthorized inquiries to be removed from my credit report for the last 3 months and the bureaus have not responded to any of my letters. Listed are the inquiries that was unauthorized and needs to be removed from my credit report. 
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 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I have tried for the last two months or so to update my business PayPal account with a new bank account. I was first told by a representative that I could not add a new account at that time because there was a security block on the account that prevented me from adding a new account. I was told to wait 24-48 hours and to try again. I waited, tried to add the same account, and was still told that it could not be added. The representative transferred to their supervisor who straight told me that the system won't allow me to add that account.

So... I waited for a few days and tried a different account with the results, being told that there is a security block and I would have to wait 24-48 hours. I tried after 48 hours with the same results. Again, I spoke with a supervisor who stated " security block, 24 -48 hours ) but this time they said to NOT do it through my PayPal account but to call in. 

That was Monday the XXXXXXXX XXXX. Today, Monday XXXX, well over 48 hours, I call PayPal to add the bank account and was told that they can not add it. I kindly asked the agent to try a different account and, once again, that account could not be added either. I asked for a supervisor, and I respect this supervisor 's transparency even without showing any real concern for my issue.

I was told that I have added and removed too many different bank accounts over the TWENTY ( 20 ) plus years of my PayPal account and that the " system '' will not allow me to add any new accounts and that there is nothing they ( PayPal ) will do to fix it. 

While I know that are Term limitations for adding the SAME bank account a fixed number of times, I have NEVER seen anything stating in clear account details or restrictions that there is a limitation over the life of the PayPal account for different bank accounts.
Consumer complaint received 2022-11-28
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: VEROS CREDIT, LLC. (CA)

In accordance with the fair credit reporting act XXXX Account number XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a- Definitions ; rules of Construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit plan as late for purpose.
Consumer complaint received 2022-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

It appears my student loans have switched to different loan servicing companies over the past two years ( Fed Loan, XXXX XXXX, and XXXX ). During that time, it seems that the record of the monthly payments I have made has been lost and or is not being reported correctly. I have been diligent with my payments during this time.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2022-11-28
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. (GA)

Experian violated my consumer rights pursuant to federal law and georgia state law for Defamation Of Character. I have tried reaching out, calling, and still no response. They still have yet to Remove All unverified and unauthirized information.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (LA)

I can not see my credit report or any updated information on myequifax. Believe my profile is split, and needs to be cleaned of soft inquires. Called and agent said tech support was to work on it, but have not recieved word that they have. Error code BLNK, is what is given on login to page. Need my credit profile to show accurate and up to date score, not from 2022.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I purchased a service from a seller via XXXX. XXXX transferred my money and I received nothing in return. I was scammed for almost {$2000.00} & USAA did absolutely nothing to return my money after being scammed. XXXX also did not assist me and sent a basic copy & paste message just like USAA. Both companies are ultimately responsible for not providing me with my money that I need back. Just to be crystal clear I NEVER received anything for that large sum of money. It seems like they refuse to even check the information & proof I have provided. USAA has also refused to create a new dispute & even completely filed everything incorrectly. The charges were filed for around {$9.00} instead of the XXXX $ needed.
Consumer complaint received 2022-11-28
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. (OR)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. I believe I did not sign any paper authorizing these inquiries. Delete them now : XXXX  XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX  XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/20XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 2022