davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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 (IN)

On XX/XX/XXXX, my PayPal account was permanently locked with {$38.00} in pending funds. I called PayPal customer service, and they could not provide a reason for the lockout or any support in remedying the issue. To my knowledge, there is no behavior on my account that should have caused this. My PayPal account reads, " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services ''.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Per the FCRA my consumer report needs to be 100 % accurate. 
Please see attached. Address proof attached to document. Experian 's website says if it is a minor deviation, it is okay. It is NOT OKAY, because its incorrect, its erroneous and fraud if you continue to report the inaccuracy.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (UT)

I reported to Venmo that my account had fraudulent activity and received an email in the middle of the night and I was told my account was frozen and I needed to send in a copy of my ID again. I did this just to get a response saying thank you for sending that but we are closing your account due to fraudulent activity. The said they were closing my account they have not closed it and still keeps accepting funds I was told IF I can get my money back it would be in 180 days and they still havent closed my account. I have emails as proof they stated they were going to close it and the have it open with me not being able to access anything. I have told them and was told the account would b closed and they wont respond back to me now
Consumer complaint received 2017-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

I sent Fox Collection Center a certified letter in XXXX XXXX 2017 asking them to provide validation that the accounts that they have listed on my credit report were indeed mine or else delete within 30 days. they respond to me on XXXX XXXX 2017 with an authorization to release form that i sign and return to them right away. Upon checking my account on today, I have noticed that the accounts listed are still showing on my credit report. They never verified or responded after i send them the authorization to release form signed by me, therefore they are in violation
Consumer complaint received 2017-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

I continue to receive telephone calls from XXXX. The company denies making the calls, but the calls continue. The caller ID reads " Navient ''. If Navient is not making the calls then the company should be motivated to find out who is using their name. One of Navient 's subsidiaries ( General Revenue Corporation ) has been linked to this number. I can provide pictures from my caller ID that provide the date, time, and caller information. I have picked up the receiver, and no one is there. The company is making illegal robo-calls.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

on XX/XX/2022 i was requesting the credit agencies to remove all fraud alerts from my consumer report i never got a response back nor fraud alert was not removed
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions. (OH)

A year ago a XXXX XXXX XXXX XXXX XXXX contacted me claiming I owe a debt that I know for fact never happened. They claim I had a XXXX account years ago. I never made any large transactions using XXXX. I disputed this claim and reported it as fraud. They said they would delete it from their system. 

I contacted XXXX and they said that I never had an account and show no records or any transaction. They believe that someone stole my identity or this was a scam. 

On or about XX/XX/22 another company FBCS , Inc contacted me about the same debt owed. The original company XXXX XXXX lied to me and did not delete the debt, instead the soled my information to another company XXXX. I contacted them and gave them the same information. Neither company will provide me with any details as evidence or documentation to this fraudulent transaction. Both companies REFUSE to provide any evidence or documentation. Both companies continue to lie, and harrassment. Again I asked to dispute this debt and mark as fraud. 

On further investigation I have found out that XXXX doesn't even have account numbers as provided by these companies and as such the account number provided by FBCS Inc is fictitious. Both companies are financial fraudsters using made up debts and account numbers. They are scammers. Also after investigation FBCS and associated reviews and reports online I find out that they have numerous complaints with others doing the same scam scheme. 

I want this abusive fraudulent behavior and contact to stop immediately and for these companies to be held liable for this conduct. Both companies should be investigated. I will seek legal action against both companies if this does not stop immediately. If they sell my personal information again to any other company legal action will be taken. The original personal information was not provided by me and I question how they obtained my information in the first place. Possible identity theft used to scam. If they report this debt to the XXXX XXXX I will seek legal actions and sue for damages, unfair practices, harrassment, etc.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a credit card with Barclays Bank. I got denied. They said " our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' This is not true. I 've never had any of these with Barclays. I always paid my credit cards on time. I 've never had XXXX delinquency with them, let alone a severe XXXX. I have no negative performances on my record. I feel that somehow I 've been blacklisted with Barclays. I do n't know why, but it is extremely discriminatory.
Consumer complaint received 2022-12-16
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. (PA)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022, 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 2022-12-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

FedLoan, the loaning agency previously held onto my student loans which I had paid in full, and on XX/XX/XXXX I requested a {$10000.00} refund which I hoped to get forgiven through the Student Loan Forgiveness plan. They initially told me it would take 2-4 weeks to get my loan back. Shortly after this window passed I called again and was told I was mistakenly told wrong information and that it would *actually* take 6-8 weeks. I asked for a hard deadline of when I should be expecting this refund to process since they had already passed the window initially given and I wanted to be able to plan financially. They told me objectively I should see this processed no later than the end of XXXX. The end of XXXX has come and this still never processed. They have now stated they no longer handle student loans and to reach out to the assigned company, but no company has been assigned to handle my loans. I do not know if this refund is still going to happen at this point but I want to know what to expect so I can plan accordingly. I am upset that FedLoan lied to me, not once, but twice, about this planned time frame for getting the refund as I am now unable to even apply for the forgiveness since it has been blocked by the Texas judge.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fuel Capital Group (NV)

I have traded in my car already, this loan is paid off and transferred to someone else and its still reporting on my credit as past due. I tried to dispute it with XXXX XXXX and they did not remove the account.
Consumer complaint received 2022-12-16
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 ()

I have been using paypal service for all my online business since XXXX, I have not had a serious problem until XXXX. XXXX. XXXX when my transaction hit XXXX which is the maximum the account can transact per month. I was then requested to provide proof of fulfillment, proof purchase from supplier, information about how my business works and then asked a to give more information about 7 transactions that were flagged out. I was able to provide all that, on the morning of XXXX. XXXX I was asked to provide more information concerning 3 of recent transactions to my account. I provided the information, about 7hrs later I received an email saying that my account has been limited permanently. This put me in a lot of distress since paypal is my primary payment method for my customers. Also the money held has inconvenienced my business as well as my family since we depend on that.
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MA)

I had my account setup to make biweekly payments to my mortgage accounts. Due to an antiquated payment processing system, the biweekly payments weren't being applied correctly and caused my account to incorrectly reflect as past due. I called on XX/XX/ and a very helpful agent fixed my account through the following actions : a. Took a payment for {$3600.00} over the phone to settle my unapplied XXXX XXXX  payment. 
b. Put in a request to issue a early partial principal payoff of {$1800.00} which was applied to my account on XXXX XXXX XXXX  per the attached statement. 
c. Additionally, I made two payments of {$1800.00} each on XX/XX/ and XXXX XXXX XXXX These two payments were combined as applied as my XXXX payment. 
d. On XX/XX/, I made a payment of {$3600.00} against my XXXX payment due. 

A refund check for a partial payment of {$1800.00} was apparently processed on XXXX XXXX XXXX   I never received this refund check. I called twice and was told to wait for USPS regular mail delivery of said refund check. The second time I called, I spoke with XXXX XXXX who gave a refund check # XXXX and was told to email her if I did not receive the check after XXXX. I emailed her at XXXX but never received a response. After waiting until early XXXX, I called a third time. The agent helped request a new refund check and voided the original refund check. I was assured the new check will be sent via a trackable mailing service. The agent also indicated she would call and email me with the tracking number once the check gets mailed out. I received neither. 

It's XXXX XXXX XXXX  and I am yet to receive the replacement check. I called a few minutes ago and the phone agent wasn't of any help. I sent a secure message using the Loan Depot messaging service within my account login. The response I received from the Loan Depot representative is illogical and ignorant to the concern on hand. 

It's been six weeks and I find it unacceptable that LoanDepot would take such an insensitive approach to this issue. Please advice on the status and when I can expect receipt of the refund check.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (NM)

This is an addendum to CFPB complaint # XXXX. The Merchant, XXXX XXXX XXXX has acknowledged receipt of cardholder 's direct payment via postal money order to settle the disputed {$750.00} credit card charge. See attached email. However, Barclays bank refuses to cancel the {$750.00} credit card charge. Therefore the Merchant received {$1500.00} instead of {$750.00} which constitutes a double payment.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AES/PHEAA (NY)

Upon my review of my consumer reports it has come to my attention that you Fed Loan Servicing are reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, XXXX, XXXX XXXX I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. Fed Loan servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information.

See below on the 11 accounts that need to be deleted off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account name : XXXX XXXX XXXX XXXX Co - Opened XXXX XXXX XXXX XXXX XXXX -Opened XXXX XXXX XXXX - Opened XXXXXXXX XXXX XXXX  - Opened XXXX 15 U.S.C. 1681 section 602A States I have the right to privacy 1 5 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (FL)

After calling my mortgage servicer Fairway to confirm ahead of time I could overpay early my first mortgage payment with no issues I paid {$4500.00} on XX/XX/XXXX. As of XX/XX/XXXX this payment is not reflected, and as of XX/XX/XXXX I have not been able to get an explanation for this after contacting the company. 

I have documentation from the company indicating payment was made, and my bank account was debited on XX/XX/XXXX for this amount. I am trying to get an explanation from the company, but they have not been forthcoming with why my payment has not been applied to principle or interest and shows as my first payment still due. I fear they are trying to take more money from me outright without crediting me this first oaymeny, and even if they find the money they would charge me excess interest on top of this and avoid applying my payment to principal/interest early. I paid on XX/XX/XXXX and I expect my credit to principle and interest to reflect my payment, as I prepaid my XX/XX/XXXX first payment. 

I called twice but was unable to resolve this, and the service provider seems reluctant to put anything in writing so far. 

Please help me get them to reflect my payment. Happy to provide my documentation.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MO)

AIDVANTAGE is reporting that I was 90 days late on 4 different loans in XX/XX/XXXX, though my XXXX payment is on time. 
I have disputed with the company, spoke to reps, mailed letters and to know avail. 
In addition : This account is a billing error. A creditor that fails to comply with the requirements outlined in the fair credit billing act forfeits any right to collect from the XXXX. 

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 Defines a finance charge. I respectfully request your company provide me with the documentary evidence that clarifies this billing error.

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( XXXX and ( e ) of this section.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I DO NOT consent to furnishing any negative information to any non affiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court input and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

Was sent a check from what I thought was a legit job offer at the time. Deposited the check into my account with instructions to keep {$900.00} for my payment, and to send the rest to " vendor '' who would in turn send me my new " work supplies ''. Once I did that, the 'Employees ' [ /scammers were never to be heard from again. Then a few days later my bank account was almost wiped out due to the fact that the bank took it to cover the overdraft fee since the check I was given bounced. So basically my family and I were out over {$4000.00} and I had just become unemployed a week prior. That's why I think I was so blind to the scam, because I was desperately trying to find a job. Looking back there were some red flags that I totally overlooked. But that's what they say,,, hind sight is 20/20. so if there is anyway you could help me get my {$4000.00} back, that would be amazing.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Duvera Billing Services, LLC (GA)

I got this loan a while back, not sure on the exact date. Somewhere in XXXX of 2020. I have paid off the entire balance of the account ( I will attach evidence of this ) and it is still marked as derogatory on my credit report.