davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc (LA)

I received a notification from PayPal that the suspected fraudulent activity on my PayPal line of credit. I check the notice and responded that I did not make the purchase of XXXX dollars and I followed their steps to secure my account. Once I logged into my PayPal again I saw that the same person had also made a charge of XXXX on XX/XX/2023 on the same website they tried to charge my credit for but this was on my debit /checking account that is loaded on my PayPal XXXX This user also added a new address to my PayPal to have the product sent to their residence in XXXX. Im in the XXXX. In XXXX. Not anywhere close. I contacted PayPal and could not get a customer rep to assist so I left the message per their instructions for someone to follow up with me when available. I also tried contacting the seller through their phone number and email listed on the transaction, the phone number was invalid and the email was not answered. The charge was authorized and taken from my bank account by PayPal. I filed another complaint stating this was fraud and they had notified me of the same user moments before this transaction trying to charge my credit. They stated they had to follow their procedures and contact the seller for items not received, even though it was an unauthorized fraudulent charge. I filed a dispute with my bank on the charge and continued trying to work with PayPal to resolve the matter. PayPal has sense followed up with XXXX emails stating it was not fraud and they closed the case. It is very much fraud and I have sense found out they had a data breach in XXXX. I have also had XXXX others I know have their accounts charged fraudulent charges in the last week. PayPal did not inform me of their breach and have not made a reasonable effort to remedy this situation. It is now almost XXXX weeks later and I am still fighting with them.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$20000.00} Items reporting inaccurate as a result of identity fraud Ive sent in all requested documents to support my claim and to have all inaccurate items blocked and removed immediately.
Consumer complaint received 2019-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. ()

I Have been trying to resolve funds stolen from my Chase bank account for almost 2 years now and have had no joy, Chase has made it impossible for me to communicate with a person or account manager as I am based internationally.They asked me to provide a US based address to send the first part of the claim which I have done and have yet to receive the check they promised.They have responded to my complaint previously on cfpb but no action on there part has been forthcoming I am out of pocket for almost {>= $1,000,000} and want my money returned.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a checking account XX/XX/ 2022 and deposited {$75000.00} for 3 months. I was supposed to receive a {$1000.00} promotional offer but was never received. I called mid-XXXX, they informed me that the terms were met but it could take an additional month. Mid-XXXX came around and have not received the bonus. I call again and now they tell me it could take an additional month. I explained to them that the last representative assured me that I would receive it in XXXX. I feel that the representatives are not adequately trained because I would get different information from them.
Consumer complaint received 2022-06-14
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: WELLS FARGO & COMPANY (FL)

XXXX XXXX, Wells FargoXXXX XXXX XXXX hard inquiry. 
Representative stated to me that they will remove false information that I never applied for any Wells Fargo products.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX Wells Fargo called me about my account is being closed to due to a wire recall request by XXXX XXXX. 

They claimed that the wire was credited into my account which has a surplus in it even if the wire were to be deducted. 

XXXX agreed that the wire did come into the right account and cancelled the recall request on XXXX. 

XXXX closed the account and sent me my check for the funds that remained in the said account. 

Wells Fargo for the last 12 WEEKS has held these funds hostage stating we are waiting for the wire originating bank to send back the funds when I have sent them letter from XXXX stating that these funds are indeed mine and were credited correctly. 

This is unacceptable and illegal, I have asked 6 times with the CFPB to close the account and send me my funds, I have bills to pay and have now fallen behind on payments due to this. 

When I spoke to the Executive office staff they stated get the wire recall cancelled and we can close this immediately which was false, as I called to notify them of this and was given the run around 5 weeks ago! 

Also Wells Fargo keeps sending me messages like currently where my account is to be closed by the expected date of XX/XX/XXXX. Which we are now past that. 

Wells Fargo has done to me what they have continuously done to their clients and customers. 

The account number for this account is XXXX. 

Also I received a letter from XXXX XXXX a paralegal employed by Wells Fargo for a authorization to DEBIT my account the {$60000.00} which was the amount of the wires and I signed the papers and returned them, that was 3 weeks ago and no debit has occurred and the account is still not closed.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

When I has Wells Fargo I paid over XXXX dollars in payments that was nerver applied to my mortgage and no one would help me then they sold my mortgage to XXXX XXXX and now I have a new mortgage again but my complaint is with Wells Fargo and no one would help me and they also wrongly foreclosed on me and had to give my house back and no one paid for for the loss of work or tell me where my XXXX XXXX dollars went
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, violated my rights. 
XXXX Account # XXXX, Violated my rights. 
DEPTEDXXXX Account # XXXX, violated my rights. 
US DEPT ED Account # XXXX, violated my rights. 
XXXX Account # XXXX, violated my rights. 
XXXX XXXX XXXX Account # XXXX, violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account # XXXX, violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account # XXXX, violated my rights. 
XXXX Account # XXXX, violated my rights. 
XXXX  Account # XXXX, violated my rights. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2. States, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Saturday, XX/XX/XXXX, at approximately XXXX, we tried to deposit {$2000.00} into our joint account through ATM number XXXX, however the ATM swallowed all the bills and after an error message it accused the deposit of only {$300.00}. 
We called the number listed on the ATM machine ( XXXX ) and opened a claim number XXXX. 
The first call was at XXXX and after XXXX minutes the agent disconnected the call without a solution. 
The first agent acknowledged the error in the ATM machine and called a technician to fix the machine, however he advised us to not wait for the technician since it could take XXXX hours for the fix. 
We had to leave the ATM and drive to our destination, so we placed the second call at XXXX where to agent told us that a resolution would take place in the next XXXX. 
With no communication from the bank whatsoever, we called again on XX/XX/XXXX and after XXXX minutes we were told that a resolution could take 10 days. 
Since we have bills to pay with that cash and we can't wait that long for the release of our money ( and also every time we called a different information was given ), we called again on XX/XX/XXXX at XXXX for an update. 
The agent advised that we were eligible for a temporary credit for the missing {$1700.00}, however upon reading the notes for claim XXXX, a memo was added that their back-office rejected the request for the temporary credit. 
We requested to have that rejection escalated as Bank of America is holding our money without a proper reason. 
The agent advised that we needed to call back again to find out the response to her escalation in the next XXXX.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

Was Charged For Overdraft fees and had money in my account to cover purchases on several occasions and was charged a monthly fee Every month even when I used the card for purchases. Wells Fargo told me that have to charge a monthly fee no matter how many times I used it a month to avoid fee
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

The card ending in XXXX was charged off after I paid {$370.00} to bring the balance current. It was then reported to the credit bureau that the balance is {$2700.00}. The actual balance is {$2300.00}. The email I received also says that the amount owed is {$2700.00}. The payment history is also inaccurate and does not reflect the payment made on XX/XX/26 for {$370.00} confirmation # XXXX.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have an inquiry from XXXX XXXXXXXX XXXX in XXXX XXXX, SD on XX/XX/2022. I did not apply for credit with this bank. When I received the card I immediately called and informed them that this was fraudulent activity and I hadnt applied. They told me it would be taken care of. The hard inquiry is still showing on my TransUnion credit report as of XX/XX/2022. It appears that they only closed the the account and did not scrub the inquiry.
Consumer complaint received 2022-04-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (NJ)

Due to covid-19 and more issue in my family 's, it was difficult for me to pay my mortgage on time. 
I requested a loan verification to reconsidered my case but it's been like more than 6 months, BSI turn me in circles but nothing serious. 
they ask me to send the documents, I sent all the documents 2 times but unfortunately they do nothing. 
I tried to reach them everyday on the phone, without success. I found myself obliged to ask you to help me so finally they can work on my request. 

XXXX XXXX XXXX XXXX XXXX NJ XXXX loan # XXXX Mortgage Company : BSI Financial services
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

I told Equifax these inquiries were fraudulent and the continued to report inaccurate information on consumer report. I sent them a FTC Fraud Report but they ignored consumer. Equifax refused to remove inaccurate and fraudulent information from consumer report. 
Equifax commission file number 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 will be filing form 211 treasury omb form to audit consumer account. Equifax is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act. XXXX XXXX  XXXX XXXX has violated my rights, XXXX XXXX  XXXX XXXX has violated my rights, XXXX XXXX - XXXX has violated my rights, XXXX  XXXX  | Original creditor : XXXX XXXX  - XXXX has violated my rights, XXXX XXXX, XXXX  | Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX - XXXX has violated my rights, XXXX  XXXX | Original creditor : XXXX XXXX XXXX XXXX - has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have never given accounts written permission to furnish on my credit reports.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX, XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been currently disputing accounts on all three of my credit reports since. XXXX ... XXXX and TransUnion since XXXX of 2019. I have discovered that XXXX and Transunion continue to inaccurately report my student loans. XXXX has deleted them, Transunion is reporting them in good standing, and XXXX is reporting them as having 11 missed payments!!! I have been successful with them deleting my student loan accounts from XXXX but not Transunion or XXXX. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I still owe money on these accounts. S and Im behind on payments, my next step is litigation. I have consulted with a credit lawyer who has advised me to submit a complaint via CFPB first and if the issue isn't resolved for them to delete those student loan accounts off my credit reports after this we will move forward with litigation with TransUnion and XXXX  for violating the laws of the FCRA sections 611 and 623.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

I applied for the XXXX plan on XX/XX/XXXX, but was not approved until in or around XX/XX/XXXX- I received no official documentation of this. From XX/XX/XXXX until my first payment became due on XX/XX/XXXX, I received periodic emails that I was placed in administrative forbearance while my XXXX application was being processed. My payment start dates were routinely pushed back for this reason. I did not request any forbearance, it was applied automatically. The XXXX DOE website provides in a XX/XX/XXXX press release that " The Department has directed servicers to place all affected borrowers into administrative forbearance until the problem is fixed. In the meantime, we will adjust to zero any interest that accrues and credit them with progress toward public service loan forgiveness and income-driven repayment. '' I brought this to Nelnet 's attention and was advised that I am responsible for the interest accrued while on administrative forbearance. If I were able, I would have been making payments earlier and the interest above my payments would have been forgiven in accordance with the XXXX plan. My first payment went through on XX/XX/XXXX and Nelnet applied this to the interest that accrued during my administrative forbearance and advised that they will continue to do so.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As dated, XX/XX/2023, THIS cause is for Defamation of Character ( Libel ), by way of admission to inaccurate and unfair credit reporting, failure to obtain permissible purpose, and willful noncompliance causing discriminatory acts to be taken upon I, XXXX XXXX, such as denials for credit products, causing severe harm mentally and emotionally knowing the information inaccurate and invasion of privacy. See attachments.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX Acct # XXXX, XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

I called Navient on XXXX/XXXX/XXXX and requested that the payment of {$70.00} that I was then making over the phone be applied to the principal balance of my unsubsidized loan ( XXXX Direct loan, disbursed on XXXX/XXXX/XXXX ). The customer service representative informed me that he would apply my payment of {$70.00} to the principal of my " XXXX Direct loan ''. I further clarified, and asked him clearly, again, if the payment would be applied towards the principal, not the interest, and he told me that the balance of my payment made on XXXX/XXXX/XXXX would be applied towards the principal. I told him if the payment was going to the pricipal, that I would make the payment, he agreed, and so I made the payment. 

I called Navient today ( XXXX/XXXX/XXXX ) to confirm that the payment made on XXXX/XXXX/XXXX was applied to the principal, and was informed that the payment made on XXXX/XXXX/XXXX was not applied to the principal, and that it was applied to the interest. The operator on XXXX/XXXX/XXXX informed me that interest must be paid before a payment on the principal can be made. I told her that I wanted to speak with a supervisor, as that was not what I was told when I called on XXXX/XXXX/XXXX, and that I would be contacting the CBFB if she could not help me. She told me she would transfer me to a supervisor, but only put me on hold for approximately 10 minutes. The operator came back to the line, told me that they would go over the recording made on XXXX/XXXX/XXXX, and would call me back. I missed their return call, and called them back and spoke to another operator who told me that the payment could not be changed to reflect what the operator told me about applying the {$70.00} payment to the principal of loan XXXX on XXXX/XXXX/XXXX, and that the payment would indeed be applied to interest charges. I told them I would file a complaint with CFPB, and ended the call. I was never transferred to a supervisor.
Consumer complaint received 2024-04-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (VA)

I opened a CD account in XXXX with XXXX for {$1500.00}. XXXX was bought out by Wells Fargo and my account was transferred to them. I forgot about this CD until I found my old paperwork last year. I went to close the account and withdraw the initial investment plus interest, but they said that there were XXXX withdrawals made in XXXX and XX/XX/XXXX. I do not have anyone in my account and I have proof of my whereabouts during those days, but they can not provide when, where, or even a signature page of who made a withdrawal totalling in about $ XXXX. My current balance is less than my initial investment. And the account should have been on hold for many years because of inactivity. I have been calling and meeting with corporate and the branch XXXX, but no one can help me.