davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I got a email from paypal yesterday stating that they decided to end my account for what ever reason and then goes on to state a refund I have been waiting for for 5 months is sitting in paypal with a 21 day hold not they decided to make it 6 months. They only doing this because they sold paypal credit to XXXXXXXX XXXX in the middle of a bunch of packages from XXXX missing and not getting to me. They said because they tracked to washington dc that I must have gotten them in MN. They refused to refund my money for purchases I paid foir thru them and I was told by 2 separate paypal reps to sign up with a new email and use a different card. I never got a letter saying I was limited at all they took away the paypal assurance and ripped me off for total maybe XXXX or more. I had also been told to deal with this outside of paypal> Those were the very worlds well thats what I did called my bank and told them what paypal did and they reversed the charges. They would have done the same thing and I waited as long as I could without loosing my right to have the bank do that. They have no reason to put a hold on my refund from 2018 that I just got sent to me from XXXX. They were paid long ago for those funds and I have never ever been told a thing like the guy from p0aypal cooperate is stating. I had paypal close my last account and had to demand they did it. 
I had to wait the required amount of time to close it while still using the account as they took away warranty there was XXXX risk to them. They just charge the seller back that never got me what I paid for. and had no tracking numbers to show I got anything. 
They sold my paypal credit to a bank and never even looked into the items I didnt get. 
Who cant follow there own rules, paypal. But to act like a XXXX year old refund as hostage so they can feel big thats wrong. I hope CFPB does a number to paypal this round in court. Paypal is out of control ; and so rude to Americans and back XXXX sellers when there in the wrong.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

on XX/XX/2023 I went to a car dealership to sell my car that was purchased through Capital One Auto Finance. The dealership and myself contacted Capital One to get the pay off amount and to facilitate the sell/purchase of the car to said dealership. 

On XX/XX/XXXX it was reported that my account payment was late... although we spoke on XX/XX/XXXX and sold the car to the dealership. I have contacted Capital One expressing this. Even in their OWN records it shows they deposited the payoff amount of {$28000.00} on XX/XX/XXXX - BEFORE they marked my account as LATE - of which I have never been late on a payment across the entirety of my credit profile. I mailed them, infor mation pertaining to this to no avail, so here we are.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo willfully and fraudulently advertises that their Overdraft Rewind program is a program that as a service to help avoid overdrafts or declined transactions. 

https : //www.wellsfargo.com/checking/overdraft-services/ However, they deceptively and illegally fail to mention that utilizing this program - which is being advertised as a perk by Wells Fargo - will then be viewed as a derogatory credit event by them - resulting in either denied credit or higher interest rates then charged by Wells Fargo XXXX
Consumer complaint received 2021-03-13
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. (TX)

I am writing to dispute the following information in my file. I have contacted the agencies several times to update and report the corrected information : The following addresses : XXXX XXXX XXXX, XXXX, Tx XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tx, & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX is inaccurate, there are several variations of this address as well so this is how you know that this address should not be reporting on my credit report. I am requesting that the item be removed to correct the information : XXXX XXXX XXXX XXXX XXXX, Tx XXXX is the only address that should be reporting on my credit profile. 

Enclosed are copies of a current utility bill for proof of address, social security card & proof of ID. I've been at my current address for the past 3 years. Please reinvestigate this matter and delete or correct the disputed item as soon as possible.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I quick paid {$4000.00} to partner through Chase but it turned out that his info still had his old phone number. I quickly called Chase to let them know and I was told that they were going to take care of the issue but two weeks later I got a letter from Chase saying that there was no further action to take and the case was closed by Chase. Now, my money is lost and I don't even know the person that I sent the money. I tried to call, text, request the money back but I have not received any response. The money was on account pending for three days and Chase did not do anything to stop the transfer. 

Also, I went to Chase branch and of the representative there told me that the money was going to be deposited into XXXX. 


The transfer took place XXXX Called Chase the same day XXXX Letter received from Chase closing my case XXXX
Consumer complaint received 2021-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: BCO Consulting Services (TX)

BCO consulting services tried to say they could get me a federal public service loan program forgiveness. They wanted to charge me 5 monthly payments before even being approved of the loan forgiveness from the US Department of Education. The US Department of Education told me I was scammed.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (FL)

I loaded {$64.00} on my Netspend prepaid Visa Card ( XXXX XXXX XXXX XXXX ) on XX/XX/2021. I checked the same day that the funds were on the card. I called Netspend today ( XX/XX/2021 ) the prompt told me that my card didn't exist even though I just loaded it. I was put on hold for 45 minutes, when someone picked up I told the Netspend representative what happened and she hung up on me. Please help
Consumer complaint received 2021-03-12
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: CURO Intermediate Holdings (TX)

The lawyer put a lien on my home and its stopping me from sale it. I called speedy cash and the state that they dont know who this is. The only people that can collect is XXXX XXXX XXXX
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently filed a report about my credit report having various name spelling multiple addresses and an account with XXXX XXXX that was paid in full. However on my report it shows that I owe XXXX  XXXX multiple name spellings and various addresses which are not mine, and hard inquries I am providing further proof with this receipt and I will list below and document section to prove I don't owe XXXX  XXXX. And this is also a reminder to remove all information that I requested in the first letter. I received the response and the response said that I was unable to speak for a non authorized account which both of the accounts actually belong to me with the incorrect account information. I will be calling Monday to speak with someone to correct an update the information again. This is causing me distress, I am trying to buy a car and the house and this inaccurate information it's causing me not to be able to meet criteria These are inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX ohio And same address listed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries I have never done business with them consumer mobile loans Interactive XXXX  XXXX  XXXX-XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  in all hard inquiries listed
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Had a bad faith with AmeriSave Mortgage Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I was " dragged '' for 3 month processing a loan, supplied all docs requested ad XXXX, have Excellent credit, to a point I suspected I fell into a SCAM. Checking online I read tons of bad reviews from others in this regard. They collect {$500.00} from each for loan application and basically not executing. I then found out that in 2014 this company was fined {$19.00} Million+ for same issue. I wonder how is it possible that their license was not revoked!!?? They are using the same name!. I eventually approached my local bank to apply for a loan and requested to close my app with them, disputing the {$500.00} with my credit card. I assume not many do the same so quite a bit of money collected stays with this company. SHOULD BE INVESTIGATED!! I can supply you with all details required if you get to that point, I hope. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

Wella Fargo has a breech in their security and a glitch in their system and they would not admit to it. A fraudulent activity happened to my account online that resulted for a new debit card issued in FL under my name. I reside in XXXX. I have been calling and reporting to Wells Fargo. XXXX XXXX I and my family were in XXXX and a the fraudsters from FL used a debit card under my name charging {$610.00}. I disputed the transaction, but Wells Fargo denied it. I asked them proof to prove that it was me in FL, they said it is not the bank duty to prove it. Wells Fargo will not give me my {$610.00} back despite their own security fault.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

This is follow up to the complaints XXXX XXXX & XXXX ) from XXXX. I am attaching the last responses XXXX XXXX XXXX from Mr. Cooper had sent to my complaint where they had assured that the escrow was wrongly put into my account and that they had credited the amount that was being reflected. 

Things worked well for a couple of months - however, I just received another letter in the mail asking me to pay up the exact amount and showing that as a negative escrow balance. The reason being provided that those funds were used to pay for property taxes. As far as I am concerned, my property taxes ( both installments ) have been paid by me - the 2 dates as XX/XX/XXXX and XX/XX/XXXX for the 2 installments ( which correspond to the dates the checks cleared my bank ). 

It is possible that Mr Cooper sent the tax payments to the county - however, that is not reflected on my property account and it is between MrCooper and the county to work out how to resolve that payment. In the meantime, I want my escrow balance to be zero and this matter closed. 

I reached out directly via email to Mt XXXX XXXX and also left him a voicemail - I have had no responses at all. This is very typical of the customer service of Mr Cooper - no response and absolute silence. 

I have attached the 2 responses that were sent to me in early XXXX as well as the copy of the letter I received and my property tax records directly from the county at XXXX : XXXX XXXX : XXXX Thanks XXXX XXXX
Consumer complaint received 2024-06-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Edge Home Finance Corporation (MI)

I applied for edge home finance on XX/XX/year> my loan officer XXXX XXXX told me over a text that I wouldn't be approved due to my credit. I thanked him for his services and told him I would try to find another company to get financing he then stated in a text that he bet me XXXX that no one will approve me due to the condition to my credit. I was able to get approved by XXXX XXXX XXXX XXXX I closed on my new home XX/XX/year>. I contacted Edge Home Finance twice and I was told someone would be calling me to discuss my issue and I haven't heard from anyone.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (FL)

I have opened a checking account with Truist Bank ad the were offering a {$400.00} bonus for XXXX customer. By using promo code XXXXXXXX. I maintained my account current and met the requirements of having direct deposits of more than XXXX after opening. Today I was told by a supervisor that my account was never enrolled in the promotion and even tho I qualified was not going to receive such promo.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

On the day of closing on a refinancing, Amerisave increased the financing fees ( points ) on the loan by {$820.00}. The closing documentation makes it look like it was simply an error by the closing agent, but the company has refused to correct the error or even respond to my complaints.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (TX)

I've tried reporting this issue to US Bank 's Fraud Liaison Department but no one would forward my call to a higher authority - I've even reported this to the CFPB & have had e-mails bounce back from the US Banks 's support e-mail address. I need a supervisor to contact me regarding reporting fraudulent activity internally at US Bank ( recipient bank, XXXX XXXX XXXX account holder ) as soon as possible. I am a customer of XXXX XXXX  with fraudulent activity to report to US Bank which is shown below yet US Bank is not taking this information seriously to report to their executives. 

I've reported this money wiring/job scam to the local authorities ( XXXX Police Department ), FTC, FBI ( IC3 ), XXXX Police, XXXX XXXX XXXX Police, XXXX XXXX, XXXX, as well as attempting to contact US Bank to have this issue reported internally but no one would take down my information or have my calls transferred to speak to higher personnel at US Bank at all ; I've also tried contacting the Fraud Liaison Department as well at XXXX. Below is a fraudulent account holder at US Bank that has scammed me out of {$2600.00} in which my bank has tried to issue a SWIFT recall to US Bank - no refund has been issued. Fraudulent US Bank account holder, XXXX XXXX XXXX, is posing to work for XXXX XXXX to issue out a Traveler 's Insurance Policy to the XXXX under XXXX XXXX XXXX XXXX XXXX, along with a MrXXXX XXXX XXXX at XXXX. Please see below. 

XXXX Attachments Wed, XX/XX/2020, XXXX XXXX  to me Attention, Based on the urgency of your Application and to serve our customers betters and avoid delays in providing fast track services to our customers, we have mandated you to make Payment via our Agents in region USA so Certificate can be issued on confirmation of payment within 24hrs from Date of payment Premium for Plan B is XXXX XXXX pounds sterling equivalent exchange rate of {$2600.00} USA Dollars. Kindly note Payment for any Premium Plan must be paid in full to enable swift issuance of Certificate Contact your Financial Banking Institution in your region USA and notify your Bank to make Bank Transfer Payment payable to our Agent in region USA via Account Details Below : Account Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Bank Name : US BANK Bank Address : XXXX XXXX  XXXX XXXX OREGON XXXX USA Beneficiary Address : XXXX XXXX XXXX XXXX XXXX OREGON XXXX USA Kindly send us the transfer payment receipt once funds have been deposited to enable us issue your certificate swiftly Yours truly, Mrs XXXX XXXX, Account Manager XXXX XXXX
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I disputed items on Experian report over the last few months. 
Since I started disputing items they have refused to correct items on my credit report and now I cant access my report anywhere! 
They actually moved all addresses from my report since I provided documents to update my address to the correct address. 

I also tried to serve Experian since I am also pursuing legal action and XXXX issued a letter stating they can not forward the letter.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

when pendemic hit us, i ask for forbearence, they gave me forbearance fro 12 months, now they are asking for all money at once, i ask them for repayment plan, they dont want to do that, they say you only can stay behind three months to get repayment plan.otherwise they will seek for forclosure, in fact they are asking all there moneyback by XX/XX/2021.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I tried to un-freeze my Experian credit report so that I can make a large purchase. I logged into my Experian account, there is NO WHERE on the Experian home page, or any other page, to un-freeze my credit. I searched on the internet and found a page to unfreeze my account but the system would not accept my PIN. I'm out of town trying to make a purchase and Experian, because of their negligence, won't allow me to complete my transaction. I tried calling them but you can not reach a person to speak with and their web pages are useless. EXPERIAN IS HORRIBLE!
Consumer complaint received 2021-03-22
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: Experian Information Solutions Inc. (CA)

Im writing to report Experian allowing fraudulent accounts on my credit report. In Experian 's investigation, Experian stated that a charge on my account from a company named XXXX is valid because of paperwork they sent, but it is not. The paperwork that Experian received from them does not have my correct address, the phone number ending in " XXXX '' on the paper work does not belong to me, the email address is not mine, and the " credit card '' listed ending in XXXX does not belong to me and the company stated monthly payments were coming out of that account. I did not have any monthly payments coming out of a credit card nor checking account. This account is not mine. The account does not belong to me. The account is fraud. Also ( proof attached ) the paperwork does not have my signature. The signature shown on the paperwork is not an original signature. It is some type of electronic signature. How can Experian accept anything like this as proof and they are aware of my identity being stolen dated back in XXXX. I want Experian to remove that fraudulent account from my credit report. It does not belong to me.