davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

It is XXXX XXXX, 2016 and I have still not received my free annual credit report that I ordered by phone the evening of XXXX XXXX, 2016. How can I find out whether the report was sent or not?
Consumer complaint received 2015-07-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (GA)

Unfortunately, I currently have a loan that was modified with Flagstar Bank. According to Consent Order XXXX, I should receive have received information about being added to the list of consumers defrauded by this company. The Order purports that Flagstar made it hard for mortgagees to receive these modifications and once they did receive the modifications, they paid months of trial payments when only 90 days was sufficient by law. I started the modification process XX/XX/XXXX, but did n't receive the finalized paperwork until XX/XX/XXXX. During the process I had to filed bankruptcy in order to keep the modification process going forward, because Flagstar and it 's Georgia lawyers illegally proceeded with the foreclosure process even though I was in the middle of the modification process. After the modification was approved in XX/XX/XXXX, I made trial payments up until XX/XX/XXXX, six months. Three months longer than necessary. I would really like for someone to look at my files and help me understand what really going on. My modification documents show an excess of arrears that makes no sense at all.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

In XXXX 2016, it was brought to my attention that an erroneous account had been turned into collections and reflected on my credit history. I thought I cleared the matter by getting a letter from the company apologizing saying my payment history was in good standing and that error should have never occurred. I am enclosing a copy of said letter. 
A second issue remaining on my credit history is a confirmed stamped " closed '' for matter that was yet another error. A copy of it is enclosed. 
Why does n't the credit directory ( ies ) remove these items when I have submitted documented proof that they are not my issues and no longer valid? I understand they receive all sorts of money by allowing such to remain on one 's credit history, and that is unjust to the consumer. 
Today, XXXX XXXX, 2016, it was brought to my attention again that the said matters have not been removed from my credit history by either of the credit directories. And XXXX XXXX matter that CFPB assisted me with a year or so past remains on my credit history as well.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Good morning, I had purchased tickets for a trip from XXXX on XX/XX/XXXX and received the confirmation email and e-tickets on the very same day. The flight was to depart on XX/XX/XXXX and come back XX/XX/XXXX, but the flight was cancelled by the airline and I was notified of this on XX/XX/XXXX. The next day, I called XXXX over twenty times, at which point the call would not go through. When I finally reached an agent, he simply hung up on me. On XX/XX/XXXX, I sent in a refund request through XXXX 's website. 

As they did not respond, I filed a dispute with Chase on XX/XX/XXXX, since that was the credit card I used to purchase these flights. They closed my dispute and re-billed the charges on XX/XX/XXXX. I requested to re-open the dispute and they requested that I provide documentation from XXXX and my statement through their Chase Secure Message system. 

Once I provided all the information, there was no response and upon calling them again, they said they did not receive this information despite the confirmation of receipt email sent to me. I have sent it again several times through their own Chase Secure Message system ( throughout the months of XXXX and XXXX ) and to an email provided to me by a supervisor upon escalating this issue again on XX/XX/XXXX but have not received a response. 

I am sorry for the long summary and any confusion. In short, I have tried to get these flights refunded through the airline and then through a dispute with Chase, but they have not been forthcoming. It is the US Dept of Transportation 's own policy so I had hoped this process would be smoother. 

Attached are all emails, cancellations, and billing screenshots as of XX/XX/XXXX. I was given Chase CLAIM # XXXX. 

Thank you very much.
Consumer complaint received 2016-09-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (FL)

Paypal is holding {$13000.00} of my available money for the next 90 to 180 days. I sold a XXXX security tower on XX/XX/2016 on ebay for {$24000.00}. The buyer paid for the item immediately and paypal showed the balance as available in my account. I made arrangement for the buyer to pick up the item ( which comes with a florida title and registration ) in 3 days. I then tried to withdraw {$300.00} out of my local ATM the next morning after I had received clear payment, but my transaction was denied. I was very alarmed so I called paypal to find out what happened. Paypal informed me that they had associated my account with a delinquent account that was 14 years old ( my current paypal account has been in good standings without question for the last 12 years, and payapl has never tried to come after me for a delinquent account prior to this ). I informed paypal that the delinquent account did not belong to me and asked them to do a fraud investigation. They proceeded to conduct XXXX " in-house '' fraud investigations over the next 48 hours only to inform me that they still believed it was linked to me. During all this time I have a balance of {$26000.00} which paypal is holding ransom until I agree to pay {$1000.00} for this other delinquent account. YES YOU HEARD ME RIGHT, INSTEAD OF FREEZING {$1000.00} OUT OF MY {$26000.00} BALANCE THEY EXTORT ME BY HOLDING MY ENTIRE ACCOUNT RANSOM UNTIL I AGREE TO PAY THEIR CHARGES. So I reluctantly pay the {$1000.00} to gain access of my money, but I did have them note that this delinquent account still was not my account and the only reason I was paying it off was because they were making me do so to un-freeze my account. Now my account is active again for 2 days before another department of paypal freezes my account AGAIN and will not let me touch my money. The merchant division of paypal freezes {$13000.00} and tells me they are going to hold my entire account for 90 to 180 days. Mind you the buyer has already taken possession of the item ( with a florida title and registration ) so I do n't have the option to cancel the transaction. Now I 'm stuck without my item and with a frozen account for the next 90 to 180 days. I use ebay and paypal as my main source of income to provide for my family of XXXX. Now I ca n't make any sales because every penny that goes into my paypal account is frozen up to {$24000.00}. The buyer has also agreed to sign an affidavit relinquishing all of his right to come after paypal or his credit card in the future. Paypal said that wold not change anything, they still would need to hold the money for 90 to 180 days. 
PLEASE PLEASE PLEASE HELP.
Consumer complaint received 2015-08-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I had deposited a paycheck as I usually do into an ATM for about XXXX $ on XXXX/XXXX/2015 at about XXXX and checked my balance, where it clearly stated XXXX $ was available immediately for the account and more was being cleared by the bank as usual. Later on I went and purchased something small for XXXX $ a little bit later on XXXX/XXXX/2015 at about XXXX but today I went to check my account balance and noticed a XXXX $ overdraft fee. This is unfair as there is nothing stated on the screen regarding that I would be charged a XXXX $ bank fee. 

Im not a banker, I dont know every single tiny little detail loophole etc especially when I am not informed.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I noticed on my report few accounts which i did not recognize. As if someone else 's information got mixed up with mine. My accounts are all paid as agreed and should have no negatives showing. I wrote to all XXXX credit bureaus asking to correct my report and only some info was removed. I wrote few letters, each time some more information was corrected but as of today there is still wrong information showing and it is affecting me financial very badly. They 've been answering by what seems to be printout letters by codes. Their responses makes no sense and I am tired and frustrated from this process. 
All I 'm trying to get is to have my report corrected.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have not been able to find a means to dispute the incorrect information Equifax has on their credit report on me. Equifax telephone numbers do not allow for dispute of their incorrect information. only to put a 90 day fraud alert- but the incorrect info remains. To mail a request to one of Equifax address is a waste as they can just trash it. The Equifax credit report viewed on my XXXX acct shows an incorrect address for my residence and in a State I have not even been in. And someone tried to open an account in my name and XXXX did closed that account. The incorrect address can cause a fraudulent situation which had just occurred.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (VA)

My complaint is with Paypal credit. I placed an order with XXXX XXXX and paid with Paypal credit ; before the order was shipped it was cancelled. However, paypal deducted the amount of the cancelled item from my account and although they were contacted by XXXX XXXX they continue to withhold these funds from my credit allowance. I was told that they could not remove the hold until 30 days have passed. This is the second time I have encountered this issue with Paypal credit. It is quite ridiculous that I do not have access to my funds because they are refusing to remove a hold that should not be there in the first place.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

There is an auto loan at XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, that has been opened on XXXX XXXX, XXXX and closed XXXX XXXX, XXXX for {$3600.00}, a XXXX XXXX charge account opened and closed from XXXX XXXX, XXXX to XXXX XXXX, XXXX, a home loan opened around XXXX XXXX and a retail card opened around XXXX XXXX that is on my credit file that I have NO involvement in or any acknowledgement of. I just recently found out about all of this and have reasons to believe that someone else has used my personal info to open these accounts.
Consumer complaint received 2015-08-04
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (CA)

I have been contacted repeatedly by the company, Asset Recovery Services. They have informed me that if I do not pay the debt that they claim I owe then civil lawsuit action will take place.They claim that this debt is over seven years old and when I inform them that they can not legally sue me for this debt they become increasingly agitated and unprofessional. They have claimed that they will come to my place of business but have not stated their intentions for that. I have requested that all communication be in writing and to no longer call me and they have refused this request. I have attached an email, the only thing in writing that I have received so far. In this email our discussion is referenced and the term settlement is used. At no time did I admit to ownership of the debt nor did I agree to pay any amount.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (MD)

I lease my unit ( XXXX XXXX XXXX XXXX XXXX ), with the options of either 8 months or 12 months w/1FREE month ( as per XXXX XXXX-Asst. Mgr of XXXX XXXX XXXX XXXX. ). The contract was supposed to be corrected to XX/XX/XXXX - XX/XX/XXXX ( As per XXXX XXXX 's confirmation email/call ). XXXX kept pushing for me to do a 12 month lease ( w/1month FREE ) and she confirmed that it was my decision to extend to 12 months during my tenancy-if I chose. Upon my move in, XXXX told me I would just need to put it in writing and inform the rental office if I chose the XXXX opt, to receive my 1 month FREE. It was not until much later in my lease term that I found out XXXX XXXX was arrested for child abuse and incarcerated. At XXXX point I did consider extending my lease to a 12 month term, but in XX/XX/XXXX I found mold in all of my window seals upon my return home for XXXX. I requested maintenance to rectify this matter ( though they never showed up until after I departed for XXXX ), and I got very sick. I had to travel to XXXX and I did not return home until XX/XX/XXXX, only to find a reoccurring episode of more mold growth in my windows. Therefore I chose not to renew my lease upon my departure XX/XX/XXXX. I sent notice to management XX/XX/XXXX, stating my intent to move at the end of my lease, as I gave notice XX/XX/XXXX and in person the XX/XX/XXXX. Only then XXXX XXXX - property manager began falsifying the required notice for move out, threatening to sue me if I moved XX/XX/XXXX, and she confirmed that my 60 days will be up XX/XX/XXXX. Proper notice by law requires a 30 day notice at the end of the lease. There was a high turnover rate at this apartment complex due to the mold infestation numerous break-ins lack of security and other problems as reported on the Internet into XXXX County XXXX XXXX XXXX officials. Also a new apartment complex opened across the street from the haven in which we the tenants sought residency. This is nothing more than a desperate attempt to gain revenue and forced me into a longer lease term. Noteworthy I was living in the unit in XX/XX/XXXX, but no court action was ever filed seeking unpaid rent or eviction. I requested an exit walk-through that the rental office ignored and refused to show up, which I videotaped had an inspector out and I took photos of everything.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

I have had this tax lien on my credit report since XX/XX/XXXX in the amount of {$1700.00}. I paid off the lien in XX/XX/XXXX. The tax lien should be removed by now since it 's been 7yrs. I have contacted the Credit Agency several times to have this removed and they have refused. The lien has been fully paid and should be removed based on the 7yr time lapse.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

I have tried repeatedly to submit my mortgage payment for electronic funds transfer ( EFT ) to PNC Mortgage. I had done so with the prior bank servicing my mortgage and had no problems accomplishing this. Unlike the prior bank, which allowed you to enroll for EFT online, PNC insisted that you complete the request through paper work. PNC then twice either negligently or intentionally delayed the EFT payment, assessed me late charges as a result of their delayed payments, and initially refused to waive the late payment. This is true even though they had access to my bank account ( as reflected by my bank account records ) and express instructions to make the EFT payment. 
In my history of home ownership, I have never once previously missed a mortgage payment or been assessed a late payment penalty. I believe PNC is acting in bad faith and seeking to impose and collect unnecessary late fees.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

Equifax stated I had to mail them a request for a free annual report. I had no problem at all with XXXX or XXXX obtaining a free online report. 

This is simply an attempt to avoid providing a free annual report.
Consumer complaint received 2016-08-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IL)

PNC allowed several very fraudulent transactions to occur on my checking account. This includes a check where the payee was whited out, a new payee written, and my initials forged next to the whiteout in a state I no longer resided in. This also includes a telephone ACH payment from a state I no longer reside in. Over the last two weeks, I have been in contact with PNC nearly every day ( either in person, by chat, by email, or by phone ) and they have done nothing to resolve the fraud and get me my money back. I have not been contacted by letter like they have said they would, or by phone, or by email. I have no way of even verifying that they disputed the charges at all. Worse, they put a freeze on my bank account without my consent ( or even informing me ), so despite having thousands of dollars in their bank, my available balance reads {$0.00}. My paycheck got direct deposited into the frozen account and got XXXX out with the rest of my money, and they refuse to allow me access to it, claiming it 's " for my protection ''. They wo n't allow me to access any of my money until the fraud is resolved, but they 're not taking any steps to resolve the fraud, leaving me unable to pay rent, buy food, or pay bills.
Consumer complaint received 2015-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

I purchased a lawnmower from XXXX in XXXX AlabamaAlso a air conditioner The lawnmower broke down three weeks after Ipurchased it returned it to be repaired never seen it again called severaltimes they finally brought me the wrong mower I refused it was not theone I purchased it was used and older The air conditioner I gave back to theretheir collections manager or whoever that guy is that beats down doorshe refused to give me a receipt that he took it also he broke my screenby forcing it when it was locked to put a note in my door They have puta charge off on my credit {$1100.00} and that is false they never could findmy lawnmower and they refused to tell me what they resold the airconditioner for all I could possibly owe them is the remainder of the airconditioner minus what it sold for I want them to take this off my creditas it is fraudulent reporting their credit manager XXXX needs to beterminated as she is trying to scam people like me.I have wrote thecompany XXXX times no response they filed a law suit 2 years ago forXXXX and never followed up on it because I will so countersue so manydifferent amounts none coenside with another
Consumer complaint received 2017-03-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (MS)

360 Mortgage has made several billing errors regarding my loan XXXX. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of {$390.00} and " Other Charges and Fees of {$120.00} ''. The company denied me a refinance under the VA refinance loan program or the ability to modify my loan after I submitted multiple applications and request after having a financial hardship and the death of my mother in XX/XX/2016 of XXXX. The after speaking with me initially about my hardship the representative XXXX, who would initially ask me to submit an application ; which I did and she would in turn state I had 15 days to complete and return it with supporting documents such as bank statements. This happened 3 times ; which put my account further behind. XXXX and her Manager XXXX She then requested on the XXXX day into the process to circle all debits and withdrawals that went towards my mortgage and expenses. This information was seen in the monthly statement as debit or withdrawal. This was a tactic that was unethical, racist, and deceptive to compound cost to have my account in a default state to obtain monies in a deceptive manner. The company has violated the Fair Housing Act by imposing overly restrictive rules because I have children and am XXXX. Since I am a veteran I contacted my VA loan representative which monitors my loan XXXX. The company has stated my funds were being held in escrow to pay for insurance and taxes. The company refused to allow me to independently pay my taxes and insurance. Which is now not fully paid as agreed on the Mortgage Note in my Loan Contract and my Insurance was paid before my annual taxes which should have been paid monthly due to my insurance service contract. The company sent me an agreement ( payment arrangement ) for my loan and stated my loan could not be modified and brought current even though I was 4 months behind at the time. The company has charged me " Default Related Charges and Other Charges and Fees '' even though this payment plan included all other fees.