davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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 (CA)

Paypal is intentionally, knowledgeably and willfully obstructing justice by submitting false statements to CFPB or I need help from CFPB with additional questions to stop that power abuse that Paypal is doing constantly not allowing to move money to the bank of my choice. Paypal welcome to add money in to use my money for their benefit as I found along with XXXX XXXX for free one sided without benefit to me, but do not allow me to transfer my money to the bank of my choice. I was not even allowed to move my money to XXXX Bank that affiliated with Paypal. I opened an account with XXXX Bank. I already got a XXXX XXXX card and was able to link it with my Paypal account. But when I tried to add my checking XXXX Bank account to my Paypal account Paypal resist to allow it. Paypal did not allow me to log into my XXXX Bank account to connect instantly, and I tried to connect my XXXX account manually and provided the routing number and checking account number and nevertheless Paypal did not allow it anyway even I already linked the XXXX Bank debit card. I did try it not just one time after I opened new account with XXXX Bank. 
I attempted to do the same from XXXX account. From XXXX Bank account I was prompted to sign into my Paypal account to link instantly. The message stated that it was successfully linked, and it showed the total balance amount on my Paypal account. But, it did not allow me to transfer money from Paypal to XXXX. It stated that it will take some moments for Paypal to appear on my XXXX account and it never did. I did the same thing XXXX more different times and the same thing happened. The confirmation of success initially appeared every time, but Paypal continues blocking link to my XXXX Bank account preventing me to move my money out of Paypal. 
I tried again to do the same on my Paypal account. Paypal did not allow the instant linkage. So manually I provided XXXX Bank routing number and account number and Paypal did not allow XXXX Bank to be linked to my Paypal. XXXX Bank is not the first bank that Paypal continues blocking from my Paypal account. How I can end Paypal 's criminal abusive behavior? Paypal management keep everything in the dark and delete from my account our conversations in writing and refuse to provide a transcript of messages. here is no chat available on my account. Paypal lies that messages kept for records for 90 days, when in reality it is not available for access as soon after it disappear from the screen. Paypal does not allow me to put any issue in Resolution center. Paypal does not allow me to operate with my money. Paypal is blocking my money from my actions.
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

My current loan service provider is named EdFinancials. Due to the new CARES Act information regarding student loan forgiveness, I have requested a full refund from them of my payments that I made from XXXX and they are stating it will now take 7 months for it be processed and back into my bank account. I am not sure why it will take 7 months as many other student loan providers have been able to process students refunds in a matter of a few weeks, but I am concerned with EdFinancials taking this long to process. I understand the amount of requests they are probably having, but I am afraid that my request will be too late to apply for the student loan forgiveness application that will occur in XXXX and due in XXXX.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

It is my bad fortune to have accounts with some companies that only offer Comenity as the servicer of their credit cards. However, after several months of poor servicing, I am convinced that Comenity purposely tries to make paying your credit card bills so difficult that you end up paying extra interest or service fees. 
With 2 companies, in particular, XXXX and XXXX, you can ONLY take advantage of the better loyalty programs if you carry their store cards. However : 1 ) for a period of 6-8 weeks ( XXXX to XXXX of 2022 ) you could not even see your balance as their system was not working 2 ) Their online payment portal consistently goes through the motions of accepting your payment but then provides a message that they are unable to complete the payment and directs you to customer service 3 ) the automated customer service goes through the motions of taking your payment ( which takes about 5 minutes! ) & then provides a message it can not be processed and you must speak to a customer service agent & be charged {$9.00} 4 ) after holding for long periods, the agents take your information, make you hold, and hang up with no action taken. 

Today, I had to make that call 3 times. 45 minutes later, I'm still unable to make my credit card payment with no explanation. Each time, after 10-25 minutes for each of the 3 calls, the rep would pick me up from hold and hang up on me. I called and asked to speak with a supervisor and was promptly hung up on. 

On those few times when I have been able to speak with an agent, they tell me this happens to everyone. Can you imagine the extra interest & fees Comenity is collecting with such widespread abuse? One month of issues I wouldn't be so suspicious, but at 4 months, I have to think it is nefarious. 

I feel strongly that this is a scam. The Comenity is intentionally making it so hard to pay your bill ( and I pay mine off monthly ), that you have no choice but to carry a balance, accrue interest, and pay unnecessary service fees. 

While this has been happening to me, I just reviewed their XXXX page, and WOW! The issue is so widespread, that they have to be making a fortune off of consumers just trying to pay their bills. This company needs some government oversight.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Bank Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : no : XXXX
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

Edfinancial Loan provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. 
These refunds are taking up to XXXX days with no email or paper trail confirmation. Many people are getting their refunds much faster with other loan providers, but Edfinancial services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about Edfinancial services. HELP US PLEASE
Consumer complaint received 2022-09-27
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: General Motors Financial Company, Inc. (CA)

Im sending this complaint to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The accounts I am disputing do not relate to any transactions obtaining any possession of, goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that is suited for alleged identity theft. 

This account is unknown to me. Also, the information you provided is incorrect, and about have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX : no : XXXX
Consumer complaint received 2022-08-31
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. (NJ)

After requesting my credit report I found information has been furnished on the consumer report that caused discrimination against me, ruined my reputation, and caused harm to me and my family by not being able to get a better car and home due to this information on my consumer report. 

No one asked for my consent to report these accounts to my credit file, which is a clear violation of my rights according to 15 USC 1681b ( 2 ). 

Also the inquiries on my credit file again I didnt consent to them nor did I benefit from these inquiries. 

I have not been treated fair and equitably by the credit reporting agencies and there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2022-08-31
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: Convergent Resources, Inc. (IN)

XXXX XXXX XXXX XX/XX/2022 at XXXX CFPB WRITE UP O In accordance with the fair credit Reporting act Convergent  Account # XXXX, has violate 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

Received phone call from XXXX XXXX from MBNA stating that I have received notice in writing ( which I didnt ), and that they have been attempting to get in touch with me concerning a debt ( which I do not have with them ). Informed her that no one has contacted me in writing or via phone, than she threatened me with a law suit and told me I will need a lawyer and they would see me in court. 
Her contact number is XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, 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. (OH)

Between XX/XX/XXXX XXXX XX/XX/2022 XXXX, XXXX and Equifax received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

XXXX-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

Equifax- Sent an email asking to verify information they already have to furnish my credit report XXXX-I called them and they sent me to a specific agent that would not say anything once we were connected.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (CA)

On XX/XX/2022 my wallet was stolen, which included my social security card. On XX/XX/2022 SUNTRUST DBA LIGHTSTREAM ( Bank ) ran my credit even after I had a fraud alert put on my account and I received no notice of this credit check. It is not showing as a hard inquiry on my credit report. I am attempting to contact them with no luck so far. This hard inquiry is fraud.
Consumer complaint received 2023-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC. (MO)

Sun XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX has late payment information listed inaccurately on XXXX and XXXX. 
ON XXXX they have " 0 '' under number of late payments but on XXXX it is listed as " 3 '' late payments. 

15 USC 1681 ( a ) ( i ) says I can have this account deleted if these erroneous statements can not be verified. 
These reports are dated XX/XX/23.
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/year> my bank XXXX XXXX did a funds transfer to 3 of my credit cards. 2 were processed correctly, however Care Credit ( Synchrony Bank ) was not. The Check from XXXX to Synchrony Bank was sent to correct Mailing Address with correct account # 's. The check was processed on XXXX but was deposited into a XXXX XXXX XXXX XXXX account. XXXX XXXX will not give me any information as I'm not on said account that check was deposited to. I have done a payment dispute with Sychrony bank who has been no help through the process. In fact Synchrony bank has stated to me several times that they do not hold any accounts with XXXX XXXX, however XXXX XXXX stated to me that Synchrony DOES in fact have accounts with them. On XXXX I faxed requested documents to Care credit ( Synchrony Bank ) it is now XXXX and they have not been in contact with me. When I call Care Credit they state check not there and to contact both XXXX XXXX and my Bank XXXX XXXX XXXX got me no where and my Bank XXXX is currently investigating the situation.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP (TN)

I was closing my account at a XXXX balance. They debited a purchase which was corrected as a mistake. They refuse to correct this as only one item was purchased in XXXX of XXXX
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (MI)

accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Consumer complaint received 2023-03-27
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..XXXX acct # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

This is in response to CAINE AND WEINER verifying a account. The account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of their re- investigation. Additionally, please have them provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response oXXXX XXXX  verification is unacceptable. I am requesting a reinvestigation AND there Method of Verification. Be aware that I am making a final goodwill attempt to have XXXX XXXX XXXX  clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. I am maintaining a careful record of my communications with them for the purpose of filing another complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should CAINE AND Weiner continue in there non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against CAINE AND Weiner, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX P.S. Please be aware that dependent upon CAINE AND Weiner response, I may be detailing any potential issues with this company via an online public press release, including documentation of any potential small claims action. This account is not mine and a bill is not verification.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The following accounts and Addresses were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- Credit Cards- XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Amount- {$6000.00} XXXX. XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX -Amount- {$2400.00} XXXX. XXXX XXXX Account # - XXXX XXXX XXXX XX/XX/XXXX, XXXX Amount- {$4300.00} XXXX. XXXX XXXX Account # - XXXX XXXX XXXX XX/XX/XXXX, XXXX Amount- $ {$7600.00} XXXX. XXXX XXXX Account # - XXXX Open Date- XX/XX/XXXX, XXXX Amount- {$1000.00} Inquires XXXX. XXXX XXXX- Inquiry date- XX/XX/XXXX XXXXXXXX XXXX- Inquiry Date- XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 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 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Cfpb complaint was filed on XX/XX/2022 in reference to an adverse decision. 

The cfpb closed this complaint after FIFTH THIRD BANK responded with an correspondence dated for XX/XX/2022 that stated they are " conducting research ''. 

FIFTH THIRD BANK also forwarded a 2nd letter to my home address dated for the exact same date of XX/XX/2022 which disclosed the same correspondence that was submitted to the CFPB with the last paragraph worded completely different. 

The initial issue of the original complaint has not been addressed or solved. FIFTH THIRD BANK has submitted two totally different responses in regards to my original complaint. One response was submitted to the CFPB and another response was forwarded to my home address that states a different outcome of my original complaint. 

The original complaint has not been addressed and FIFTH THIRD BANK has created two response letters that disclose two different actions/outcomes. 

Please help resolve the initial issue.