davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-19
Product: Credit card — 
Issue: Other fee — 
Company: Paypal Holdings, Inc (MD)

This complaint is about PayPal Credit. PayPal Credit offers promotional financing for certain purchases where interest is not assessed on the purchase if the balance is paid off within a XXXX promotional period. I was attracted by that promotion and paid for XXXX items with PayPal Credit. Both purchases were from XXXX XXXX. The promotional XXXX period expired XXXX XXXX, 2015. PayPal website states that payments may be made for same-day credit until XXXX XXXX on the due date. 

On XXXX XXXX at XXXX XXXX XXXX I tried over a dozen times to log in to pay the remaining balance before the promotional period ended, but the website froze each and every time. When I called customer service to pay the remaining balance, I found out that it closed at XXXX XXXX. 

I tried again to make the payment at XXXX XXXX through the website and finally succeeded in paying the balance due of {$1700.00}. At XXXX, I was finally able to reach customer service. They confirmed that the payment made at XXXX was received, did not know why the website was not working several hours prior, but said they would not waive the interest charges that now applied since the promotional period ended at midnight. 

PayPal 's website made a representation that same-day payments would be accepted until XXXX, but since the website was not working, effectively gave me no opportunity to make that payment since the customer service phone line was closed. I made the payment required under the promotion in full as soon as the website was operational, having to wake up in the middle of the night to do so. 

I was effectively precluded from making an ontime payment by a dysfunctional website and a closed customer service phone line. It 's deceptive to advertise a payment cut-off time, close the customer service phone line, effectively not provide the customer with the opportunity to pay, and then insist on penalizing the customer for PayPal 's own failures to provide the opportunity to pay. 

The promotional interest charges that should be waived total {$340.00}.
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (NV)

This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " they can not do anything unless I verify my personal information with them first '' This has turned predatorial and also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over XXXX which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account.
Consumer complaint received 2016-12-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focused Recovery Solutions, Inc. (MD)

I recently received a copy of my credit report and noticed some erroneous items on my credit reports. Focused Recovery Solutions is handling the collection of the accounts mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Focused Recovery Solutions and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Focused Recovery Solutions entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Consumer complaint received 2017-03-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IN)

on XX/XX/2016 we was told by a guy that came to our front door that our loan on our home was sold, to nationstar mortgage, and was told by this guy that he was from XXXX and he would collect XX/XX/XXXX payment, we gave it to him, he gave us paperwork from nationstar that our other payments go to them, he left and we called nationstar the guy on the phone said yes, and that we didnt half to make a payment for 90 days because they dont have our loan yet, but later found out we was told wrong by him, now were in forecloser because of this., and was told by supervisor later that she was sorry he told us wrong, and that they would fix this, to file another loan modification to fix this problem, but was denied because was given one by XXXX in XX/XX/2016,
Consumer complaint received 2015-08-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX/XXXX/XXXX XXXX charged me in the sum of {$4000.00} for services to be rendered, on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX in the sum of {$1300.00} for services to be rendered, XXXX/XXXX/XXXX XXXX charged {$1300.00}, XXXX/XXXX/XXXX XXXX charged {$1200.00} and XXXX XXXX, XXXX XXXX {$3400.00} to my Wellsfargo card. 
The issue here is that I have been victimized by XXXX along with several other companies and their blatant misrepresentations. The fact is that we did not receive what we were guaranteed I received a vague contract and were left to rely on the representative 's integrity. I told the sales person repeatedly that I did n't think we could do this and I were promised repeatedly that they would generate leads and get our business started ; I paid and trusted them only to be left stranded. This is a scam! The " Virtual Platform '' was sold as a " business opportunity ''. I tried several times to get our money back and literally begged ; instead I received different sales people and a new sales pitch. I never received the services that were described at the time of purchase. I have looked into this company since then and found out that they have multiple complaints with the Better Business Bureau that sound exactly like our situation. This company has a long record of lying and taking advantage of people just like they did to us. 
Neither company has refunded our money. I contacted the merchant directly to no avail. These are NOT billing disputes. This is a matter of not receiving the products and services that were described to me at the time of purchase. Please have the bank investigate these charges so I can get my money back asap. 
THANK YOUXXXX XXXX
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

On the XX/XX/XXXX I closed my XXXX account for DSL internet due to moving to XXXX to change XXXX. About a month after we canceled our service we called to make sure that our internet account was closed/Free and clear as well as our other utilities/services. We were notified that our account was closed with a XXXX balance. Shortly after that we received a bill for XXXX dollars and I called XXXX to see what the charges were for and the gentleman from customer service reviewed the account and informed us that they had made and error and we were actually owed XXXX. After that I received an account summary detailing the closure of the account showing a XXXX credit. The day after I received a bill for XXXX dollars along with a collection notice from IC Systems. I called XXXX again talking with various offices customer service, account management, etc. and no one could explain the bill or the debt collection. I then called IC Systems and asked about the debt and how to resolve it. Seems that there was no way for XXXX to remove the collection notice and that I would have to dispute the charge and wait for review. I ended up paying the debt collector in hopes that XXXX error will not affect my credit. I plan on disputing the charge with letter to IC systems but do not have much faith in any resolution with XXXX. I can not tell you the time I dedicate to keeping my finances in order and have never been late on a bill. It is very embarrassing to receive a collection notice. Through some research on I have found huge amounts of complaints about XXXX for the exact same situation. Furthermore please take note to the account numbers on both the Account Summary, and the Bill that I was sent. They do not match between the two invoices, but in XXXX system both numbers associate with the same account. Any help that you could provide would be greatly appreciated we are in the process of closing on a house and this concerns me greatly that it will affect the closing in a negative way despite my stellar credit. Its very frustrating how willing they are to sell you services, but when your done they cant help at all. 

Thank you, below is the contact information for both companies involved. 


XXXX XXXX IC Services XXXX
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (AZ)

They changed the type of credit card form a low interest rate to a higher rate card with out my approval. When I asked about it I was told that it was too lat to change it back. The person that changed it was a teller WITHOUT my consent.
Consumer complaint received 2016-01-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (KS)

I occasionally use my Ebay account to purchase items over the internet. Since I 've had horrible results with Paypal in the past, I 've set my Ebay account preferences to always default to using my XXXX XXXX as the form of payment. 
On XXXX XXXX, of last year I purchased XXXX, minor sewing machine parts from a single vendor, via Ebay. The order totaled {$38.00}. I made a payment to my XXXX card to cover it, and thought it done, until this week. 
I received a paper statement from Paypal, telling me that only XXXX of the items was charged to my XXXX, and that the other XXXX were charged to Paypal credit, totally unbeknownst to me. I do not have a Paypal credit account, never wanted XXXX, and never agreed to the terms of XXXX. They 'd been charging me 100 % /month late fees, for three months, and that my account was now overdue, and I now owed over {$100.00}. XXXX one hour phone calls with Paypal, and XXXX with Ebay, failed to rectify this, with Paypal insisting I pay the total balance now due. 
I refused, and sincerely hope you stop Paypal from using it 's insider/subsidiary position as the processor of Ebay credit card purchases to poach credit customers from other, legitimate credit card companies.
Consumer complaint received 2017-01-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

on XXXX XXXX, 2006 I took a home equity loan from Wachovia bank, ( now Wells Fargo ) in the amount of {$120.00}, XXXX at an interest rate of 7.8 %. I have in several occasions requested to renegotiate the loan for the purpose of getting a lower interest rate. My monthly payment is {$1000.00}. After making payments for the last 121 months ( {$120000.00} ) my loan balance is now {$100000.00}. This means 95 % of my payment went to pay the interest. I find this outrageous and I hope you can help me get a lower rate. Thanks XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-01-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIRST NATIONAL BANK OF OMAHA (MI)

First Bankcard appears to be out of compliance with the law. I 've tried discussing this with them on multiple occasions, however they do not want to hear it. XXXX examples : They do not disclose promotional interest rate expiration information on periodic statements, as required by law. I went so far as to send them this link, XXXXconsumerfinance.govXXXX however they do not care. They honestly seem incompetent and like they do not even understand what I am talking about. 

Furthermore, they do not apply anything about the minimum payment to the highest interest rate as required by law. I have paid well over the minimum payment amount on numerous occasions, however they always apply it to my promotional interest rate. They do not apply it to my purchases being assessed higher interest rates. I 've wrote them and e-mailed them about this, even specifically asking that my payment be applied to my purchase balances, and they refuse to do it. 

They seem to feel like they are exempt from the law. They honestly do n't seem to even understand the law. I told them I 'd be contacting the CFPB with this, and they are so arrogant they just kept saying " We comply with the law. '' and refused to look at the specific provisions of the law that they are not complying with. Please help. They need a wake-up call. I 'm sure it is not just me that they are pulling this against.
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Di Tech has done several things to make it difficult to be a good customer. One, when making a payment by phone, they will not immediately apply the payment amount, especially if you call on the due date, they will take as long as seven days to apply the amount so that they can collect late fees. Another, we wanted to get back on a bi monthly payment schedule that Di Tech discontinued when they acquired our account from Green Tree, in order to do that, you need to pay one month in advance. We did that and they misapplied our payment to the escrow account, and they refuse to correct this issue. One thing led to another and now they are reporting us as delinquent on our mortgage payment. When we talk to a representative, they deny there are any issues, the mail and the credit report says otherwise. We are working on getting Di Tech out of our lives but I would like to see them straighten out this mess and remove the derogatory information in our credit report.
Consumer complaint received 2015-03-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo offered me a loan to finance a car several years ago. The rate was 23 %. I signed the loan. The car after XXXX years became worthless. I relinquished the car. They took it back. That was about XXXX years ago. They then went to XXXX when I tried to have the write off removed from my credit and began reporting it again in XX/XX/2014.
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US) (OH)

AIC aka Allied International Credit Corp XXXX XXXX XXXX is attempting to collect a debt I do not owe. In fact, I do not even know what it is for. The person I am to contact XXXX XXXX about the debt has refused 7 times to take my call and does not return my voice mails or messages that reps say they are giving her. I have contacted XXXX XXXX XXXX and XXXX has stated that I do not owe anything, thus there should be no debt collection. I have been called a " XXXX '' by XXXX of their reps when demanding to speak to XXXX Supervisor. I explained that I am a XXXX and would never think of XXXX. The person must be XXXX. I told them that frankly I have never XXXX except my wife and do not intend to XXXX. They will not discuss this scam with me. They have reported this debt to the credit bureaus and my credit rating has dropped from the XXXX 's to the XXXX 's.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (MO)

cashnetusa XX/XX/2016 Dear XXXX, Thank you for your recent application for a Cash Advance. Your request was carefully considered, and we regret that we are unable to approve your request. 
Reasons for Denial of Credit Your application was processed by a proprietary scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers. 
The reason ( s ) you did not score well compared with other applicants were : Unable to verify personal information and/or identity. 


Your Right to Get Your Consumer Report In evaluating your application, the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. It can be obtained by contacting : XXXX. 
XXXX, CA XXXX Toll-free : XXXX Fax : XXXX XXXX XXXX XXXX, GA XXXX Call Toll Free : XXXX Online XXXX You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 
Information about Your Credit Score We also obtained a quantitative identity evaluation from XXXX. and used it in making our credit decision. This evaluation is represented by a score that reflects the information in your consumer report. This score can change, depending on how the information in your consumer report changes. 
Your score : XXXX Date : XX/XX/2016 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Inquiries did adversely impact score. 
Unable to verify personal information or identity. 
Number of recent inquiries on credit report. 


If you have any questions regarding this letter, you should contact us at : CashNetUSA Customer Support XXXX, IL XXXX Phone : XXXX Fax : XXXX Email : XXXX www.CashNetUSA.com Notice : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : Federal Trade Commission Equal Credit Opportunity XXXX XXXX ( XXXX ) TDD : [ [ tel : XXXX ] ] XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2016-07-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (DE)

In XXXX I received a letter from Wells Fargo stating that I had requested loan assistance. I had not so I contacted XXXX XXXX who sent the letter and he never responded. Then I received notice stating my home was going up for sheriff sale on XXXX XXXX, XXXX. I hired lawyer and she found a XXXX XXXX was handling the sale, she reached out to him and he would not respond. I got a stay on the sheriff sale until XXXX, however Wells Fargo has not provided any of the information I requested even after several visits to their branch. Now I am being told that the loan history and documents may take another week to receive and this has been going on since XXXX, XXXX. I have numerous documents regarding this issue and have spoken with the Wells Fargo Branch Manager in XXXX XXXX Delaware. Now Wells Fargo is telling me that I could file a request with their Office of the President in regards to this matter. Also this whole foreclosure situation was started in XXXX and no one has sent me a collection letter or a statement in regards to this loan in over 8 years. All I want is to stop the sheriff sale of my home and find out what is going on in regards to this loan which they say I owe {$140000.00} on and keep my house. This situation is so complex even my lawyer and the branch manager are confused by what has taken place. I have many documents to support my issue but I am not able to upload them to my computer because I do not have a scanner and several of them are XXXX-XXXX pages long. I know these documents would help however I can provide them by mail if that is possible.
Consumer complaint received 2017-01-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo claims I opened up a line of credit with their bank for {$1000.00}. I have requested a copy of the proof as to when I signed for that account to be opened. They have refused and have continuously attempted to collect an outstanding amount of {$400.00}. They have reported this account as delinquent to all XXXX credit bureaus. 
I need you to assist in helping me identify if this is something I did open and if they can show proof I agreed to open.
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc. (MI)

I signed papers for a car from XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Indiana, but I never picked the car up. 
I never paid the down payment. 
I never Registered the car. 
I never got the car insured. 
I never drove the car off the lot. 
I let my sales agent know that I no longer wanted the car ( XXXX XXXX ). 
GM Financial is requesting to pick up the car ( that I don't have ) which I voluntarily surrendered and informed them that the car is still at the dealership. 

The dealership is saying that the car is not there and they do not know where their car is. 
GM Financial and I both have been trying to contact the dealership regarding the wear about of the vehicle and they are saying it is not there.
Consumer complaint received 2016-08-18
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP ()

i have already files a complaint and got the resolution.i am not satisfied with the resolution ( {$100.00} + {$25.00} copensation ) as a result of my complaint.I did try to contact XXXX XXXX and i never got a response back.i was not aware that when i dispute the resolution of the bank the complaint would be closed on CFPB end.that is the reason why i am filing an other complaint to get a satisfactory resolution as soon as possible and get a fair amount of compensation for the amount of time i swpent and frustration i went through by contacting the call center agent of US bank.I waqs otld to throw away my gift card woth {$100.00} multiple times just because it was purged in their system