davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

PayPal.com limited my 3 accounts without prior notice in XX/XX/2021 and held {$22000.00} USD total balance for 180 days. PayPal support promised several times that they will release my funds after the 180 days pass. PayPal acted in bad faith and stole my hard earned money under the false claim of nonexistent damage. There was never any damage and PayPal took random arbitrary amounts to empty my balances through an obvious automated process at the 170 day from the initial account limitation for each account. I'm just offering social media marketing and management services. I never used any copyrighted material to promote my business and have never broken XXXX. All accounts legit and matching my passport. Transactions Details : - Account 1 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD ) - Account 2 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD ) - Account 3 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD )
Consumer complaint received 2023-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

EdFinancial is deliberately misappropriating my monies. I sent them a {$1000.00} money order and instead of applying it as a {$1000.00} payment to the desired group of loans, ( wherein one way to describe a " group '' of loans is a subset of your loans that has the the same interest rate in that subset, and that is a different interest rate than the loans outside that subset ) EdFinancial has applied it in the following fashion " XXXX '' to my three groups of loans. This applies too much money to my loan group with the lowest interest rate, which may or may not be 3.51 % at present or 3.76 % prior to an interest rate decrease which I am entitled to. The {$1000.00} payment should have been applied to my group of loans wherein the alleged " Original Balance '' ( from the perspective of a letter EdFinancial sent me just now ) is $ XXXX {$2500.00}. I was specific in many forms of communication with EdFinancial as to how to designate my money order including the letter in which my postal money order was enclosed, and even phone calls and emails, but EdFinancial pretended these communications and/or agreements and/or requests never happened and did not apply my {$1000.00} as it should have been. 

To make matters worse, EdFinancial didn't apply the {$70.00} payment to my account that they received by a banking or web method. To make matters even worse, EdFinancial didn't apply the {$8.00} payment to my account that they took from me by their webpage/web portal.
Consumer complaint received 2024-06-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (NJ)

I am out of work after a XXXX XXXX XXXX. I had been waiting for my temporary XXXX funds for about 5 weeks. I had received nothing by mail, or email ; but I remembered I had a card and account for XXXX from 3 years ago when I went out on paternity leave. 

I logged into the moneynetwork app on XXXX. I saw that there was almost {$5000.00} deposited on XX/XX/XXXX. On XX/XX/XXXX, someone apparently had hacked my account, and sent {$4500.00} to a bank account that is not mine ( ending in XXXX ). So I called the number on the back of the card. She told that we caught it in time, and she would cancel the transaction, and the money would be put back on the card. 

Then, XXXX, I see that the money was not back in the account. So I called again to make sure that it would be put back innow they say its too late, we have to open a dispute. I waited for the dispute paperwork to get to my house, I filled it out, and sent it back. Within a week, I got a letter, stating that my dispute was denied, and there was nothing wrong. Now, it's XX/XX/XXXX, I immediately called and spoke to a representative. She told me who to email, and exactly what to put in that email to appeal the decision ( to appeal the decison, stating that the account, XXXX does not belong to me ). A couple of weeks go by, and I still haven't heard anything. XXXX, I called to make sure that they got everything and that my case was being looked into... they said that it is. A couple of more weeks go by, and I still haven't gotten any correspondence in the mail or a response via email. I called again this morning, XX/XX/XXXX. They said that my appeal was denied for not supplying any additional information. I don't know what else to do.
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (TX)

I called Westlake to defer a payment that I was late on for this account. They told me that was done. I signed the paperwork and a couple days later my vehicle was repossessed. I called them to find out what was going on and they told me they needed {$1000.00} in order to reinstate my account and get my vehicle back, I am senior citizen. Im on XXXX and I work part time just to make ends meet. I knew I was behind on this payment and I called you rectify the situation now I called them because they repossessed my vehicle and they tell me I need another {$1000.00}! I didnt pay my rent so I could have this money and I got them paid. They Told me they would send a release document the following day to the tow company and I would be able to pick up my vehicle. I called tow yard and they told me that my vehicle had already been sent to the auction yard. Westlake had sent the release papers to the wrong place. I called Westlake to find out what was going on and they told me I needed To pay another {$940.00}!! in order to get my vehicle back that they had made a mistake on the amount and that my deferment had not gone through. Im attaching documentation that it did go through and that they did receive my payment. I paid the amount they requested. I was assured when I made this payment that it would be taken care of. It would be no problem that I could get my vehicle back just to set an appointment with the repo company now they are. refusing to do anything until I give them another {$940.00}. Im going to be homeless!! because I didnt pay my rent in order to get paid so I can get back-and-forth to my part-time job. Without that vehicle, I cant go to work to pay any of my bills. I used my XXXX Social Security money to get them paid!! theyre telling me theres nothing they can do.
Consumer complaint received 2023-02-18
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. (SC)

In accordance with the Fair Credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681. 
XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX, XXXX Acct # XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX. Acct # XXXXXXXX XXXX. Acct # XXXX Has all violated my rights. 

15 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without any written instructions.

15 USC 1681 ( a ) ( 5 ) Section. States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which antedates, the report by more than seven years.

15USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-26
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. (GA)

I filed a dispute with Experian business because I discovered that my auto loan payments were only reported once in XXXX of XXXX, I asked that they update my report with accurate and complete information. On XX/XX/XXXX, I received a notice from Experian Business stating that my dispute was closed. They did not send me a complimentary report of the changes they claim they made. They also informed in that same letter, that they found multiple profiles for my company, but failed to provide me an explanation as to how they determined which profile belong to my company. Per FCRA when a dispute is made, and changes are made to a report a free report must be issued for the requesting person to give them an opportunity to review for accurate and complete information. That did not happen here. I have requested twice a complimentary copy of the update business report.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (SC)

I came into some hardship at the beginning of the year. If you look at my payment history before the beginning of this year I paid on time every month. I called the company on XXXX XXXX XXXX XXXX while my account was behind asking for help to bring my account current. At that point the representative said they can NOT help me because I need to bring my account current. I gathered all my little pennies and borrowed some money to bring this account current. Within 2 weeks I manage to make 2 payments, one of XXXX after which I was hit with an annual fee and a maintenance fee totaling XXXX on XX/XX/XXXX I went into my account and a window popped up saying if I made a payment of XXXX I would bring my account current. I made the payment of XXXX on XX/XX/XXXX but now my account still has a balance of XXXX due XX/XX/XXXX. I called the company to explain that since I have already made 2 payments totaling up to over XXXX it is impossible for me to make another payment of XXXX by XX/XX/XXXX. I asked them for help. asked them if they can extend my due date or something to that matter so I can have time to come up with the payment. They refuse to help me, they said all I paid was my back payments due and now I have to pay the payment that is due now. I dont understand how I made a payment of XXXX supposedly as they stated on their site to bring my account current but still owe a huge amount due in a few days. They said because my account is current they can not help me. Contradiction to what they had said before. They repeated the same information I already knew over and over again. My balance, my due date and they couldn't help me. My other creditors were more than willing to help me but I don't understand why this company refuses to help me when I have been a good paying customer for a long time. I asked to speak with a supervisor, XXXX XXXX XXXX XXXXXXXX is the supervisor I spoke with and all she did was repeat what the previous agent said. I asked if she can extend the due date to give me time to come up with the payment. I want to bring the account current and keep it current but its impossible if they keep adding on fees. I will get another late fee if I don't make the payment by XX/XX/XXXX. This is really stressing me out really bad. I feel like I'm spinning my wheels with this company. Please help me.
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX, a man named XXXX XXXX from this company ( offices of XXXX ) called a family member and told them all the information about this issue. The family memeber called me and relayed all the information and I called him back. He was extreanly rude and belittling. He told me I would be arrested in the morning. He told me I would never amount to anything or have anything of my own because of my credit score and proceeded to laugh. He made me cry with his belittling. He should not have told anybody any information and it is illegal that he did. I wish for something to be done.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Misrepresentation has been committed on the consumer credit file of ( XXXX XXXX ) which violates the Fair Debt Collection Practices Act. MIDLAND CREDIT MANAGEMENT is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed, and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.
Consumer complaint received 2017-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have old Debts that I personally dispute and do NOT remember as well as the fact all three of these debts listed on my Credit Report are beyond the 4 years " Statute of Limitations '' in the State of Texas. I have attempted several times over the past year to Dispute these Debts claimed as accounts with the XXXX XXXX XXXX right here in XXXX Texas. However, I feel they must be violating my rights by not taking action to follow thru with my Dispute and the three items {$510.00}, {$500.00} ( Strangely Alike amounts from same Original Company as if charged twice ) and {$71.00}. I 'm making this official complaint against the XXXX XXXX XXXX and would like to resolve the issue about these three Old Debts and have the information removed from my credit reports.
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (AZ)

ACIMA opened and charged off my card in the same year of 2019 that's fine but it has been on my credit report for five years. Negatively impacting my credit score and chances at my unlimited credit. Charged off accounts can not be on my report for several reasons.

-it is inaccurate reporting once charged off report positively or remove from credit. there is no reason for them to keep reporting negatively on my corporation. that illegal -charged off is a zero certificate of indebtness which means it is reporting as income, and income can not be on my report. correct me if I'm wrong, i am not an attorney. it needs to be removed immediately. The company was already paid, they are greedy and want to be tendered again, when they received their write off already. I want the 1099 B they filed on me too. They are so greedy and im sick of it.

this company can not collect on a charge off because its a benefit of the tax deduction of bad debt. I have suffered injuries as XXXX has been reporting falsely on my account to all 3 reporting agencies. They damaged and ruined my credit by reporting " non payment '' knowing they received a write off. " internal credit " they never reported my account to XXXX Acima closed my acccount, charged it off, got a write off, then i paid IN FULL.

Im tired of the scams AND FRAUD!!! 

I want my MONEY BACK!!!
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (FL)

I have contacted XXXX regarding some information that is reporting on my credit, such as collections, phone numbers addresses that does not belong to me due to identity theft XXXX gave me the runaround and does not want to help me resolve this issue regarding that in accurate information that is reported on my credit, which is a violation of my rights.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (DE)

I was contacted by a third party debt collector about a debt I do not have with them. I have sent cease and desist letters numerous times and they have violated my rights. There is an open account on my credit profile with this company. I have requested information on this matter asking for dates of when I opened an account in which I have not received any information at all. According to 15 U.S.C 1681 Section 604 A Section 2, It states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate in which this information is completely inaccurate. Please remove this from my report immediately. I do not owe nor have I ever done a transaction with this company.
Consumer complaint received 2022-12-12
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. (FL)

XXXX XXXX XXXX SUBMITTED APPLICATION FOR AUTO LOAN OR LEASE WITH THESE 3 COMPANYS WITHOUT MY WRITTEN CONSENT CAUSING 3 HARD INQUIRYS TO BE ADDED TO MY PERSONAL TRANSUNION CREDIT REPORT. XXXX XXXX XXXX  ( FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX   XXXX XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX,MI 
XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,WI XXXX
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I received a notice from WELLS FARGO that my premium Checking account with its benefits was being discontinued. Not just to new customers but current customers were no longer going to received the products at no cost that were promised or guaranteed when opening my account. 
After contacting Wells Fargo Account Services I found This change is disguised as they are lowering the required account balances and direct deposits. 
In truth, They are wanting to cash in on fees charged for things like cashier checks and money orders. 
I was told the items currently have no charge for are still available but not for the account They are changing me into. Now I can pay for services on what was a guaranteed account, as long as i held up my end of the agreement with Wells Fargo. 
When the Wells Fargo Representative gave me their sales pitch on this account, it was based on direct deposit and monthly balance equaled free services. ( background ) I had been a customer for several years, I thought i was opening a new account not discontinuing my long held account from California. A couple months later, I discovered they, Wells Fargo closed my original account and moved all my assets to this account. When I contacted the bank, I was told those old accounts were no longer available and there was nothing I could do. I lost, higher interest rates, free checking. free checks, free money orders no overdraft and more. 
There are many who open this type account and depend on those free services as a way to show proof of payments for bills due, and do not have extra income. I believe I entered a contract that Wells Fargo required me to follow. I Held up my end. Wells Fargo is changing the terms simply to hurt the consumer and make an extra buck. Listen Wells Fargo required my to follow this contract for this account. failure to do so cost me benefits and money. Now they want to forfeit the agreement we entered into so they can make more dividends.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (AL)

In XXXX and XXXX of XX/XX/XXXX XXXX auto loans was open in my name without my consent. I filed police report and FTC REPORT ( see exhibits attached ). I WAS ABLE TO REMOVE OFF MY XXXX AND XXXX, BUT I HAVE NOT BE ABLE TO REMOVE OFF XXXX. BOTH COMPANIES ARE LOCATED IN TEXAS, EXETER XXXX AND XXXX. ALTHOUGH, COMPANY NAMING EXETER FINANCE LLC. I HAVE SPOKEN WITH THEM ON SEVERAL OCCASIONS SENT, IN POLICE REPORT, FTC REPORT, PROOF OF IDENTITY AND A VALID CLAIM OF IDENTITY THEFT, NOW THIS XXXX A ... COMPANY STATED THEY HAVE DONE AN INVESTIGATION AND DETERMINED THAT THE ACCOUNT IS VALID, XXXX AS WELL HAS STATED THE SAME THING. NOW WITH MULTIPLE INVESTIGATION DONE HOW DOES THIS ACCOUNT BELONGS TO ME. SO I SENT A LETTER DATED XX/XX/XXXX REQUESTING PROOF OF HOW THE INVESTIGATION WAS DONE AS IDENTITY SECTION 603-15 U S.C 1681a ( e ) or page 3 of the short title. Guess what no XXXX reply back so I file this claim seeking damages for violating this act because I'm not going back and forth with that company and it's XXXX XXXXXXXX employees yes that right I said it so here we are.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (GA)

The following unauthorized hard inquiries:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX I have been trying to get the clear for 3 years now. My address, phone and email are above. Remove all addresses other than the one listed, I have never lived in Florida. This is my life and my informarton I need you to get this corrected. I just viewed my credit report and this is destroying my credibility. 

My one and only First and last name is XXXX XXXX XXXX and I have no other names or aliases. Please remove all other versions of information from my report I am requesting you remove all information that is incorrect. I am including my notarized License that I sent you all for up to two years now. Update my identifiers. 
USING YOUR INDIVIDUL WEBSITES DONT WORK XXXX you cant even reset a password, Transunion wont allow you to update or even dispute, XXXX does everything for payment 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in person