davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

PayPal has shut down its customer service and perhaps doing some bad practices as my money was placed on a hold for 21 days due to " security risks ''. Whenever I inquired what exactly those risks were, they never addressed them specifically because according to the chat box, " it does not provide that information it only shows an error ''. Currently if you checked PayPal 's social media profiles you will find hundreds and even thousands of people that experienced the same situation I was in. Once my money was released from its hold, then it was literally impossible for me to transfer it to my bank account without paying a fee. PayPal claims that you are always free to transfer your money to your bank account for free it would only take more time. However according to their representative I wasn't going to be bale to link my checking account due to a system error. When I asked how can I fix this she suggested that I be better off opening a new bank account that could work with PayPal, when I mentioned that my current bank has never reported any issues with PayPal in the past she just kept on blaming everything on their system and security risks. Finally, she said that because my bank card was already linked I could transfer the funds there, of course at a 1 % fee charge. This of course made me wonder about the whole situation because, the bank account I was trying to link and the card on file are one and the same yet it just would not go through according to their representative. At the end I had to pay a fee.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX at XXXX I sold a XXXX XXXX XXXX to XXXX XXXX XXXX He paid me using cashapp in the amount of {$650.00}. XXXX XX/XX/XXXX XXXX XXXX used a chargeback on me for the amount {$650.00}. Cashapp allowed this person to get his money back and Cashapp took the money out of my Bank. This is clearing fraud by XXXX XXXX because I sold him the XXXX XXXX XXXX. This transaction was done at a police station which has video proof that was a legit transaction. The only information I got from cashapp is they do not deal in chargebacks. I clearly did not wrong and cashapp is aiding XXXX XXXX in commiting Fraud by giving him his money back and keep the product I sold him.
Consumer complaint received 2020-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (ID)

I have been trying to receive help with my student loan payments. The company, Navient, will not respond to my requests for help with anything other than, " Call us. '' They will provide me no options and no information, not even my current loan payment amount. They changed my payment amount without me knowing about it, and now they're reporting me late on my credit report despite me providing them with payments every month for almost 10 years. 

I requested help via email and via their online form on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times ), XX/XX/XXXX, XX/XX/XXXX ( 3 times XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX ( twice ). That is 28 times I have contacted them and asked for help and they have not responded with anything else other than " call us. '' I have made offers to fix my payments, I have made requests for the correct payment amount, I have made requests for forbearance. I have explained that I can not speak with them on the phone each time. I have continued to make regular payments to them every single month since XXXX. However, their only response has been " call us. '' They refuse to provide me any information at all via email or postal mail. I have responded each and every time they call and leave me a voice mail or they send me an email. I have repeatedly made offers with specific amounts in them to get this account current and I receive no response at all from this company. I can not call them, and they will not deal with me in any other way, so I have no recourse whatsoever. 

I even offered to completely get my account up to date if the company would simply tell me what my monthly payment amount would be. You might have guessed by now, their only response was, " Call us. ''
Consumer complaint received 2020-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Phone calls being repeated multiple times a day, even after clearly stating that due to COVID the income in my household has been cut to less than 40 %. Not a verifiable debt, not one recall of using there services at all.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (NY)

I have been in contact with GM Financial about removing a credit remark on my report from XX/XX/19. This was an error due to their company 's app set up of the auto pay being difficult and confusing to navigate for customers. They refuse to remove the remark, even though they have the ability and authority to do so. I was never late in over 20 years of being a loyal paying customer. And I was not late by that much either. I am trying to secure a new loan during this difficult financial time and they are not being flexible or compassionate. I would like to some assistance with this matter and would like to file an official complaint about GM Financial in regards to this. Thank you.
Consumer complaint received 2020-04-22
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 (TX)

My account was held for more than 180 days. It was held since XXXX. The Paypal user agreement states that funds can be held for a maximum of 180 days. Paypal have not responded to me even though this deadline has passed already. I want to withdraw my funds
Consumer complaint received 2022-11-14
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-11-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

I would like to get a validation letter, and see the errors from this account reported on my credit removed.

I will provide a list of account under the same circumstance. 

XXXX XXXX XXXX XXXX XXXX  collection {$76000.00} XXXX XXXX XXXX XXXX Collection {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX {$3800.00} ( I went in person to this office and they say this will be removed ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$2900.00} XXXX XXXX XXXX Charge-off {$150.00} XXXX XXXX Charge-off {$1000.00}
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

All Financial institutions that furnish information to nationwide consumer reporting agencies, such as XXXX, Equifax and XXXX to ensure maximum accuracy on consumer reporting. However, These agencies have violated FCRA 15 U.S.C 1681 E ( B ) & 1681 I by willfully and negligently failing to follow reasonable procedures to ensure maximum accuracy in its reporting and failing to reinvestigate my dispute reasonably. This action also violated 1681 N ( willful violations ) & 1681 O ( negligent violations ) There is no reason why anyone could or should not rely on information provided by the furnisher to accurately report this error to the CRA without some allegation to be labeled as unreliable & untrustworthy I notify the furnisher, the address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher thereafter reports the correct information to CRA. Which is shown in documentation attached Therefore all inaccurate information that was reported prior to the correction to the CRA that affects creditworthiness must be deleted from my report because it is proven to be inaccurate once the furnisher updated the information to validate the account
Consumer complaint received 2020-04-22
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (NY)

As a currently serving member of the XXXX XXXX XXXX XXXX, I am required to maintain a favorable credit report history. It has come to my attention that there are items on my XXXX  credit report that I am in the midst of disputing. 

In the interim, I am also asking for your assistance in this matter. Specifically, the ( 5 ) aspects to this inquiry are noted below and all appear to relate to each other. 
My contention and recollection is that in XXXX, Key Bank may have transferred my education loans to a new servicer, XXXX XXXX. All payments were made to them. Then, in XXXX, I received a severance payment and paid off all said student loans in full. 

None of the institutions below could provide me with sufficient information from which to move forward toward any understanding of payment history or reflecting that the loans had been paid in full. Therefore, I am asking for your assistance and look forward to a resolution with your findings. Thank you for your assistance in this matter.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: EQUIFAX, INC. (VA)

Equifax has been reporting negatively on my Social Security Number which is defined by congress as my credit card. Equifax is in fact furnishing negative information on my consumer report without being engaged in contract, without permissible purpose. 

On XX/XX/21 I mailed Equifax an Affidavit of truth and Cease and Desist, and Invoice letting them know to cease illegal activities. They are in fact violating 15 USC 1681 b ( 2 ), they have been reporting without my consent and reporting negatively on my reputation on consumer credit transactions which should ne excluded form a consume report via 15 USC 1681a ( B ). Equifax then responded on XX/XX/21 letting me know that they have in fact completed a reinvestigation which was no what I asked for under my corresponding Affidavit of truth and Cease and Desist. 

15 USC 1681a ( e ) - " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer are obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. 

Equifax has not only ignored my correspondences to them about reporting negatively on my reputation and my identity theft inquiry. But have no properly investigated the information according to FRCA. 

On XX/XX/21 I sent Equifax another Affidavit of truth, Cease and Desist, a Default and Opportunity to cure, and invoice for not answering responding to Affidavit line by line, ignoring my request and continuing to report negatively on my Consumer report which is defined as my credit worthiness, character, and reputation. Also informing them they are violating more of my Federally Protected Consumer Rights. It has almost been more than 30 days sense I've sent my response and have heard nothing. 

Equifax is a publishing company that gets paid for advertising on consumer credit.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

My father, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, died on XX/XX/2019. He held a Cash Back World Card from Citizens Bank, card number XXXX XXXX XXXX XXXX. I called customer service at XXXX to cancel the account on XX/XX/19 and again on XX/XX/19. I also  asked for the earned cash rewards. My dad had earned {$100.00} in cash rewards through loyal use of the Citizens Bank CC. The Citizens Bank phone reps canceled the card but said that they could not pay the cash rewards because they are not payable once a person dies. I have reviewed the terms of the World Card available online and can not find such a restriction. Even if such a restriction exists, it would be both in fine print and a business ' misleading and underhanded means of dishonoring a promise wherever it can easily do so. That's exactly the kind of business that the CFPB exists to counter.
Consumer complaint received 2019-12-17
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: EQUIFAX, INC. (CA)

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. 

The account in question is XXXX XXXX Account # XXXX ... Amount {$1400.00} for an authorized/unknown utility.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ADIR INTERNATIONAL LLC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX {$4400.00} was fraudulently charged on my Bank of America Visa card by some unknown person at a retail store in XXXX XXXX The charge was made without my knowledge or authorization. I have not used this card for many years I notified the bank XX/XX/XXXX when I noticed the charges on our online banking statement. I wrongly assumed this was the resolution but on XX/XX/XXXX received a letter denying my claim. I called XX/XX/XXXX and requested an appeal and sent a written request stating I did not make these charges. Their fraud department states these charges were made in person on a card with a chip which indicates you or someone you allowed to use your card was present you are required to make payments on your account. 
I believe my liability is no more than {$50.00} for these fraudulent charges
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

On XX/XX/2020, the President signed the CARES Act, which in part provided protection for student loan borrowers from institutions taking negative actions relative to repayment. On XX/XX/2020, I received a letter from NAVIENT indicating it would halt all payments due until XX/XX/2020. On XX/XX/2020, I received an alert from XXXX stating that NAVIENT placed a negative remark on my XXXX, XXXX, and XXXX  credit profile, which caused my credit score to fall considerably. The negative remark basically stated that I was 30 days late in making my payment. 

On XX/XX/2020, I sent an email to NAVIENT to remind them of their commitment to forego all payments due until XX/XX/2020 based on the guidelines in the CARES Act. I also requested that NAVIENT remove all negative remarks that were placed on my credit profile immediately. 

I am an unemployed veteran who has been out of work for over two years. I do not have the ability to repay the school loans due to a lack of income, and do not foresee being in a position to do so anytime soon. I would appreciate it if someone from CFPB would intervene on my behalf and contact NAVIENT regarding this matter. Thank you.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (UT)

CFPB XX/XX/2020 To who it may concern : I am refinancing my mortgage from Freedom mortgage to another lender. In the process my title company and mortgage broker both requested a payoff from Freedom Mortgage on XX/XX/2020. Today is XX/XX/2020 and still no payoff has been received. I talked to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, and XXXX # XXXX XXXX Supervisor/Manager on XX/XX/2020 ) who promised a payoff Fax to the title company by close of business XX/XX/2020. Here it is XX/XX/2020, closing is supposed to happen tomorrow and still no payoff. Today I have communicated with XXXX # XXXX, XXXX # XXXX ( Supervisor ) and XXXX a Manager. My correspondence and concerns seem to be falling on deaf ears as I have received no resolve in this matter. 

Freedom Mortgage appears to have no regard for federal regulations pertaining to the time requirements for responding to a payoff request. 

Please have someone contact me in regards to follow-up action taken regarding this complaint. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-22
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. (TX)

XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX  from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + National XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX  from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank previously sent ftc violatons
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

LexisNexis is reporting false and inaccurate information about my driving history to my insurance company. By them reporting inaccurate information it has caused my insurance to triple the cost. Now i am suffering financially due to their inaccurate reporting. I have mailed and emailed copy of my Certificate of 3 years of Georgia DDS driving record to correct the issue but they haven't corrected this matter yet. They are clearly violating the FCRA.
Consumer complaint received 2021-03-07
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: ALLY FINANCIAL INC. (CA)

On several occasions I have contacted all 3 credit bureaus and I have asked for late payments to be removed because payment was lost in mail for XXXX and XXXX pay.ents 2017 so O should have only 1 late payment over a 5 year period with the auto loan. I spoke to a representative from Ally Financial and was told that my account would be updated to this day it has not been. Also they are reporting last payments as 4 months ago etc showing balances never going down etc, I have added remarks to my credit file which is a direct dispute under FCRA requirements
Consumer complaint received 2020-04-22
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: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX  partial account number ***XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.