davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I received communication stating that they had reviewed my account and that I had only made one qualifying payment over XXXX years. Even though zero payments are supposed to count, I filed a pslf form when I was first employed in XXXX My employer is a qualifying employer. They clearly have not made any actual effort to calculate where I stand with pslf. Additionally, they put me into forbearance without my request or knowledge, right before the student loan payment pause took place.
Consumer complaint received 2022-06-01
Product: Credit card or 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX and I discovered that my bank of America EDD Isa card was depleted of XXXX, a person not me went on line and did a funds transfer of XXXX, then another XXXX, unauthorized charges for XXXX, the bank apparently credited me the first time within 24 hours then the person did it again, I can't tell you what I have been through, there is no one to help me, I don't use on line never have never will, I have be r n fighting for my money sine the end of XX/XX/2022, everyone I call I get different answers and different things I should do, I have reported this to the police and the Federal Trade Commission and the XXXX XXXX XXXX and I've contacted XXXX XXXX XXXX I'm trying to get my money back it's ruined my life and my job I can't do anything it's made me broke my car 's broken and it's ruined my life Bank of America does not help they tell me different stories every time I call it clearly stated that the person went in and changed my email and then had the money sent to some bank account I guess and I need my money back it's. It's crazy that they would first approve the money and then it gets taken again and now they want to prove it again not even my email or anyting I am so frustrated I need help desperately at first I was told it would take 30 days when they put the money back in within 24 hours they did not tell me this I've been issued 7 cards in the last 4 months the person did it again and I don't know what to do anymore I'll call every day to see if I can get the money and somebody tells me something different
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

I was contacted by a company representing themselves as " XXXX XXXX '' regarding an apparent Paypal debt. They have called me from spoofed phone numbers & not their legitimate toll free number. They have not actually sent me anything in the mail. But I do not currently have any debt with Paypal as of XX/XX/2019. I have paid the collections agency that notified me via mail. They are leaving me messages saying to call back with a reference # XXXX.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

In XX/XX/2021 my account with Paypal was shut down for unknown reasons while I had a balance of {$2400.00} left in my account with them. As per the shutdown, Paypal told me they would hold the funds for 180 days ( which itself is crazy and very inconvenient ) and that after that time, an email would be sent to me with instructions on how to retrieve my funds. After 180 days, I NEVER received the email and to this day, I am still unable to retrieve my funds. This is a very horrible way to run a business. This is money that Paypal is choosing to hold without any merit at what appears to be, indefinitely. I want my money back!
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The complaint involves EQUIFAX AND XXXX report a chapter 13 that has n't been VALIDATED yet still remains on my report. Equifax deleted the reporting and then added it back which is a violation of the FCDPA LAWS that states you have to give the consumer 5 days notice before adding anything back to a consumers file. I challenge the accuracy, compliance, and reporting of both listings. As of XXXX XXXX, the law states the following Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments, and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 
EQUIFAX AND XXXX HAVE FAILED TO VALIDATE THIS INFORMATION ON MY REPORTS AND IS CAUSING ME GREAT HARM. I want these items deleted today.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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, to provide proof, 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 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
Consumer complaint received 2019-07-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

In XX/XX/2019, I received an opened letter from XXXX XXXX XXXX due to it being misdelivered to another adress and immediately sent them ( XXXX XXXX XXXX ) a debt validation letter. XXXX XXXX XXXX received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from XXXX XXXX XXXX via mail nor by phone and the negative entry remains on my credit files ( XXXX, Equifax and XXXX ). Due to XXXX XXXX XXXX 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (FL)

I want to mantein my home, but the lender just prequalified me and no give me all oportunity for mantein the house., the said that want to help in all communications but when you call directly they only give you chance to prequalify and instead they give you un NO answer for loan modification and the only option is paid all debt, its obvious that i was struggling in my payments and ask for a forebarence plan how can i have {$35.00} in one month for pay all debt. 

We really want to take actions and now we are working and stable income to take this financial responsibility. 

We really appreciate your support
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (NJ)

AROUND XXXX I NOTICED SOME INFRACTIONS WITH MY LOAN SO ON XXXX I SENT A CEASE AND DESIST LETTER PLUS A AFFIDAVIT ALONG WITH A DEBT VALIDATION LETTER TO ADRESS MY CONCERN NO ONE EVER RESPONSE TO MY LETTERS THEY ONLY SENT THREATS I HAVE THE PROOF
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}
Consumer complaint received 2022-06-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I applied to Rocket Mortgage to refinance my home in order to use the equity as part of a divorce settlement. I was upfront when I spoke to the first representative about why I was refinancing as necessary for the pending divorce. I provided a deposit of {$500.00}. The house was appraised on XX/XX/XXXX. My soon to be ex-wife is on the current deed. I explained that I was well aware that she would have to sign a quit claim deed at some point in the process either with the new loan or as part of my divorce. I discovered on XX/XX/XXXX that she was sent a letter indicating my loan terms and the appraised value. She gave me the letter back unopened, but that could have seriously jeopardized the divorce process and settlement. 

On XX/XX/XXXX I received a call from the title company that Rocket uses informing me that I needed my pending ex-wife to sign a quit claim deed. They said that might rate might be in jeopardy. I called Rocket later that evening and spoke to a representative who told me that I should be ok and that I could ask for a rate extension on or about XX/XX/XXXX when the rate was going to expire. On Friday the XXXX, I received a call from their loan suspension department informing me that my loan would be suspended and that I would have until XX/XX/XXXX to get my pending ex-wife to sign a quit claim deed. I asked to speak with client relations and ultimately ended up asking for my {$500.00} deposit back. I emailed my original representative about this and verbally told client relations the same. 

My concern is that even though I was completely upfront about my pending divorce that I was still encouraged to proceed with the loan. Had I known prior to initiating the process I would not have pursued refinancing at this time. While I am aware that Rocket incurred costs ( appraisal ) associated with this, because I was misled and later felt bullied with the threat of a loan suspension I think was fair to ask for my deposit back. I was informed XX/XX/XXXX by Rocket that I would not be getting my deposit back.
Consumer complaint received 2022-06-01
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. (AL)

These account from XXXX XXXX  were removed from my credit report in error. They were current up to date and paid off. I want these accounts added back to my Equfax report asap. 

XXXX XXXX XXXX XXXX XXXX {$2200.00} opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX {$700.00} opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX
Consumer complaint received 2022-06-01
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. (CA)

In accordance with the Fair Credit Reporting US DEPT ED account # 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 instructions
Consumer complaint received 2019-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$140.00}
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo offered me an amount much less that what I am owed, I did cash 2 checks totaling less than {$1000.00} but I feel that I am owed more, Wells Fargo used practices such as charges me for services that I did not agree to or sign for and added those additions to my monthly mortgage payment without my knowledge. I faced foreclosure because of money that was added into my monthly mortgage payment and not notifying me. my mortgage account number was # XXXX from XX/XX/XXXX- XX/XX/XXXX.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/2022 to remove accounts account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; & XXXX. I am including these again. 
XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$710.00}.
Consumer complaint received 2019-07-03
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (PA)

I contacted Freedom Debt Relief to sign up for their debt settlement services in XXXX of 2018. They signed me up for services with who was once their sister company, XXXX XXXX XXXX. I was promised, by Freedom Debt Relief, a {$250.00} referral bonus for referring a " friend '' to their services, once that friend completed three months within their program. I referred my fiancee, as we are both struggling financially and looking to get out of credit card debt. 

I've contacted the company repeatedly, but have never received my referral bonus. I started reaching out to them more frequently recently, as my car recently broke down and I was hoping that {$250.00} bonus could assist in repairs. I was told by an XXXX XXXX that my referral bonus was " overlooked '' along with a bunch of others, and that they had corrected and mailed the check out on Monday, XX/XX/XXXX. Today is Wednesday, XX/XX/XXXX and still, no check. My fiancee has been in the program for more than 6 months, meaning this check is more than 3 months overdue. Had I known that this was a false promise and we'd be getting the run around from Freedom Debt Relief, I would have suggested that he enroll in a different debt settlement company. Freedom Debt Relief seems like they prey on people who are financially vulnerable, and once you've signed up, they want nothing to do with you. I can't even speak directly with XXXX XXXX now, as their customer service department tells me they can not talk to me if I don't have an account directly with them. Please be careful when dealing with this company, it seems they will tell you anything to get you off the phone, but will not deliver. It's completely unacceptable that a company of this size can let checks be " overlooked ''
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

My account was closed without my consent. My account was in good standing. I was told I could not use a po box for my address ; however, I am in the middle of moving and looking for a new residence. I gave them my girlfriend 's address to use temporarily as my residential address. Still, they closed my account. Now they are telling me that it is their policy at Wells Fargo to hold the funds for 90 days. They have already frozen my account for almost a month while they did their investigation. This has been going on since XX/XX/year>. I have not been able to use any of my money, and I have been having to borrow and ask for aid.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (MD)

On XXXX XX/XX/2024 I submitted a Wire Transfer from my personal bank account ( XXXX ) and same was wired to a Wells Fargo account for a legal matter. I inadvertently sent the wire transfer, however the receiving parties Wells Fargo account number I had not fully written the full account number, so wire transfer was not processed by Wells Fargo. The wire transfer has not been received as of today ( XXXX ). In the mean time I visited my bank after discovering my error and a XXXX person and I spent over XXXX hours on the telephone with the Wells Fargo Branch- XXXX Oregon as well as the Wells Fargo Wire Transfer Department and all I am seeking is to have my funds ( {$750.00} wired from my personal XXXX account ) refunded and Wells Fargo has totally given me the run around. I last called on XXXX XX/XX/2024 ( 10 days after sending wire transfer ) spent over XXXX hours on the telephone and spoke with XXXX different Wells Fargo representatives and explained this same ordeal to all XXXX representatives and to this day XXXX XX/XX/2024 ( 10 days after wire transfer ) Wells Fargo has not returned or refunded my funds. I owe Wells Fargo nothing so they should not be allowed to hold my funds hostage simply because my initiated wire transfer paperwork was incorrect. I want my {$750.00} returned asap.
Consumer complaint received 2020-02-16
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. (FL)

I noticed some discrepencies on my credit files and found out I was a victim of identity theft. I notified all 3 credit bureaus, the police, and the FTC, as well as, file numerous complaints via this forum and all I have not received any responses. I have not received any proof that these accounts are mine because they are not. The accounts and inquiries I have noticed and have been trying to remedy are below : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Florida Dept of Revenue XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX Inquiries XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

I had a high end luxury watch business, processing payments via PayPal for many years. PayPal had approved my account for over two million dollars in processing monthly. Every transaction was tied to a timepiece serial number and a tracking number for shipping. I was processing around XXXX XXXX dollars a month in transactions through PayPal every month. 

On XX/XX/2021 I flew to XXXX with my family. While I was in XXXX, I transacted a sale on PayPal. For whatever reason, my account was immediately frozen, together with the buyers account and suppliers account. When I contacted PayPal customer service, I was advised that the money was frozen in the account for 180 days and I would not be able to do anything in the meantime. The amount frozen was {$71000.00} - this put a complete halt on my business, as I operated with one supplier and one buyer, all through PayPal. 

While awaiting the 180 days to end, I did what I could do contact PayPal and get more information, but was not supplied ANY answers. I would constantly be hung up on when asking for a manager to discuss this matter. The only reason I could see was " General Account Correction '' in the description ( prior to seeing this on a XXXX download of my transactions, the site only mentioned " USER '' in the reason. ) In doing research on the matter, it seemed that the freeze was only to protect the account in the case of a Chargeback, which had never once occurred on my account. 

Around 80 days in to the freeze, PayPal seized all the funds in my account. This includes my personal savings, operating cash and cash to pay my supplier, who I still owe. When finally getting an answer from PayPal as per the reason, I was led to understand that a transaction of XXXX or so dollars for a XXXX was the reason for the shut down. I clarified that the XXXX charge for the watch was for polishing and servicing the watch, not the price for the watch itself, and that there was no need to assume I was selling replicas or fakes, especially with the account history and reputation. The client and supplier can both provide proof of this, as the timepieces themselves came from XXXX. 

This has happened to many accounts in the high-end luxury watch industry. For PayPal to seize the funds and keep them constitutes nothing less than theft. I had to shut down my entire business due to this issue. 

Please have PayPal return the funds. 

Thank you
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (TN)

n Accordance with the fair credit reporting act XXXX Account # 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 instructions XXXX XXXX # XXXX XXXX XXXX # XXXX