davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

My previous complaint about unfair practices by PayPal was not resolved and was closed under unknown to me circumstances. I have to file a new complaint, because outrageous violations were performed by PayPal and have to be put on record for further actions. My actions with my money on my account were wiped off. This is unacceptable and requires the appropriate investigation. 
I appreciate the alert that PayPal submitted their response to my previous complaint that was filed on XX/XX/XXXX and my rebuttal is awaited. But why did the CFPB put on my page account that the complaint closed??? It is confusing and not understandable why my complaint got closed before that complaint is resolved. How come the complaint has that notice that it is closed? 
The PayPal response on that complaint was a fraud. I have to request all financial transactions that were done in real after XX/XX/XXXX until the current date that will determine that PayPal covered up its unfair practices and perjured along with covering up the secret conspiracy between PayPal and XXXX XXXX XXXX. PayPal deleted all transactions from my account between XXXX XXXX and PayPal and deleted the record of the linked XXXX account that was listed on my PayPal page account on and after XX/XX/XXXX. Two transactions of {$5000.00} were scheduled from PayPal to XXXX in XXXX and in XX/XX/XXXX and money showed up on my XXXX account and after that disappeared. I believe it is more than illegal to wipe any transaction that was scheduled and initiated and PayPal did it. Fortunately, the attachment of PayPal 's email was saved by me confirming that XXXX was linked on XX/XX/XXXX. I am asking CFPB for help to send my demand for all financial transactions on my PayPal account from XX/XX/XXXX until the current date. How is that possible to wipe off any financial transactions from the account? Does it mean that PayPal is an extremely dangerous financial institution? 
About two fees each of {$29.00} that were charged on two transfers of {$1000.00} that was done through family and friends option at no fees as usually, based on the history for two years, is out of questions that PayPal took an advantage and has to return the second fees of {$29.00} too.
Consumer complaint received 2021-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Valor Intelligent Processing, LLC (TX)

Valor Intelligent Processing LLC has been performing abusive debt collection practices they contacted me by phone, and mail several times regarding a debt that I do not owe and used abusive profane language by phone and by mail. Valor Intelligent Processing LLC violated my consumer rights they violated 12+ laws under the Fair Debt Collection Practices Act and is harming my reputation by claiming that I owe a debt that I do not owe. Attached below will be the Affidavit of Truth sent to them and the invoice sent to them as-well as the letter that they sent me. I am demanding that they compensate me for their abusive practices and violations of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo has a policy that allows you to only make a limited number of payments to a credit card from non-Wells Fargo accounts using their online banking system. 

This is a problematic policy for a few reasons : 1 ) Its strongly encouraging you to use additional Wells Fargo products that you may not need or want 2 ) There is a risk that you could have unnecessary interest applied to your account because you were prevented from paying off a balance 3 ) There isnt a risk to Wells Fargo for allowing more than the limited number of payments. The transaction clears the the ACH and should have any cost to Wells Fargo. 

In conclusion this is another predatory policy Wells Fargo has put in place that is harmful to its customers.
Consumer complaint received 2021-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BlueChip Financial (MI)

On XX/XX/2021 I received a call from XXXX XXXX XXXX said owe for pay loan that I did not apply for and I and the Supervisor with XXXX XXXX XXXX  call my bank to verify the account that use to receive the cash for {$800.00} was confirm that account was not in my name and that alert me to check my credit report and found there is another loan with Spot Loan that someone applied for XX/XX/2021 and cash was funded on XX/XX/2021 for {$800.00}, the same date this person applied for a with XXXX XXXX XXXX. I am filing fraud against Spot Loan and I never sign a contract with Spot Loan that day and they sent me a letter indicating the information on file matches my information. I have disputed with XXXX XXXX with an alias name I found listed on the credit report. O also was advise by Spot Loan to file fraud with FTC. I am in the process of filing another against Spot Loan and phone number that is indicated XXXX.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Refuses to provide me the original creditor 's information, which supports that XXXX XXXX has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if XXXX does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against XXXX. XXXX   and Experian are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to bring to your attention a pressing issue regarding several charge-off accounts listed on my credit report. These accounts contain incorrect balances, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

It is imperative to note that these inaccuracies not only affect my financial standing but also undermine the integrity and reliability of your organization 's reporting processes. As a responsible consumer, I take great care to ensure the accuracy of my financial records, and the presence of these erroneous balances is both concerning and unacceptable. 

I urge you to take immediate action to rectify this matter. Specifically, I request the following : Swift removal of the charge-off accounts with incorrect balances from my records. 
Correction of the balances associated with these accounts to accurately reflect the true status of each account. 
Notification to the relevant credit bureaus and agencies to update my credit report accordingly. 
Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the status of my request and any steps taken to address the issue. 

Failure to address this complaint in a timely and satisfactory manner will leave me with no choice but to escalate this matter to higher authorities and explore legal options to protect my rights as a consumer. With this, I am asking for your assistance to remove or fraud items in my credit file : XXXXXXXX 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 2023-02-04
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)

TRANSUNION is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX. This account was previously blocked from my credit report by TRANSUNION due to identity theft about the dates of XXXX XXXX XXXX.
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America and XXXX of California closed my debit card said I requested new one.. that a lie they sending new debit card with my name on it to lady in california... Bank of America did this giving new card I did not ask for now can't reach anyone debit card on way to name address I don't no
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (FL)

On XX/XX/2018 I filed a complaint with Owen Loan Servicing ( my Mortgage holder ) because I noticed on my credit report that they were not reporting to XXXX or XXXX, only to XXXX. Since I have an account with XXXX to monitor my credit for fraud, it was easy to get a report. I pulled my credit because I was refused, many times, for simply credit, like XXXX XXXX, XXXX XXXX, XXXX XXXX and even a business loan through XXXX XXXX  due to no credit history. Since XX/XX/2018 I have filed many more complaints. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and again in XX/XX/2018. To date, Owen insists they are reporting to all four credit bureaus and even sent me a confirmation number that none of the agencies can do anything with. I have confirmed with the XXXX & XXXX that Ocwen is still not report. This problem is affecting my life!!! Most companies check the credit bureaus other than XXXX and that is the only credit bureau that has any evidence that I have had a home loan for 16 years ... at the rate of {$4900.00} per month ... always on time. My credit score is XXXX but I can't get a credit card. PLEASE HELP!!!!
Consumer complaint received 2019-01-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (MA)

It was on XX/XX/2017 a family member got my information without my knowledge apply for a personal loan from XXXX personal loans. XXXX didnt contact me first before giving the money away and giving the money 3 days after the family member sent my information. {$20.00} giving by XXXX in my name were a abused because I didnt make that money in a year working as a XXXX XXXX at that time make me frustrated, crying every day for a money I didnt used or got. It was on XX/XX/2017 I know this happened to me while I went to payed my bills, I can not believe my eyes and It was true. Called them next day explaining my situation they didnt believe at all and I filed a police report, nothing as ever changed put my name in shame for a thing I didnt do. I want XXXX to be prosecuted for this because it didnt care for their customers and I want justice. Those companies put an hard inquiries in my credit too I want them to clean my name on theirs.
Consumer complaint received 2022-04-16
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. (PA)

The government pays these services to help consumers with their credit scores. I find that the services and the actual score do not match why is that. They are not even close
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (OH)

KeyBank closed my account due to it being overdrawn. This due I believe to XXXX making an unauthorized " purchase '' of two {$1000.00} transactions on XX/XX/XXXX of this year, withdrawn from my checking account. 

Yet when I tried to make a small payment to Key, listing the reason on the check, they returned it to me .Guess no one can, even if what transpired not their fault, accepts the consequences of others, in this case XXXX. 

The attempt made, they had cash in hand, yet chose to turn away money owed them?
Consumer complaint received 2021-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NC)

on XX/XX/XXXX I made a payment to my mortgauge company XXXX XXXX XXXX in the amount of {$680.00}. My mortgauge was then sold off to homepoint mortgauge services on XX/XX/XXXX. The payment I made on XX/XX/XXXX was not transphered with the paper work to Homepoint at the time but I was told by XXXX XXXX XXXX  that the transphere would take place on XX/XX/XXXX. So not wanting to risk a late payment since my payment was due on XX/XX/XXXX I made a payment to homepoint on XX/XX/XXXX, they with drew money from my bank account and sent a confermantion paper to me. On XX/XX/XXXX they modified my payment amount to {$0.00} and did not refund me any money and are not saying my payment is again due on XX/XX/XXXX.
Consumer complaint received 2021-08-29
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: Experian Information Solutions Inc. (AR)

I am a victim of Identity theft. I have fraudulent accounts on my credit profile, incorrect address, incorrect employers, and incorrect personal information. These accounts such as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and fraudelent bankruptcy listing.
Consumer complaint received 2021-08-29
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. (AR)

I am a victim of Identity theft. I have fraudulent accounts on my credit profile, incorrect address, incorrect employers, and incorrect personal information. These accounts such as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and fraudelent bankruptcy listing.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This debt has surpassed the statute of limitations. The date of last of activity was XX/XX/XXXX, the SOL is 3 years in maryland, yet it still appears on my credit report despite me contacting the company several times. This company is inaccurately reporting on my credit report a payment made in XX/XX/XXXX however, no activity has been made on this account since XX/XX/XXXX
Consumer complaint received 2021-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group (TX)

On XX/XX/XXXX I received an email from XXXX for an agreement to settle a debt of {$1000.00}. Previously I had received an email from XXXX that the balance was {$970.00}. 

Beginning of this year I was in the market to get a new vehicle. Unfortunately I was denied due and told that I had something negatively affecting my credit history so I pulled my report to see the issue. I then found out that this account with XXXX was on my credit report. I did a dispute and never received the findings of the investigation it just came back on my credit. I called XXXX and was given the information to Foster & Moore prior to that conversation, I the consumer was not informed or contacted in any manner to inform me that my information had been sold to a third party. At the time I did not have much understanding of the process I just wanted to be able to purchase a new vehicle so I called to discuss the account. Again, because of my car situation I just wanted the account to be removed from my credit report so I called and asked if I were to pay it will the delete it. I received an email confirmation letter stating if I made a payment {$970.00} by XX/XX/XXXX that they would inform XXXX that my obligation for the debt had been paid in full. The amounts claimed to be a debt do not match. There was never any validation or investigation done. 

My complaint with Foster & Moore is the fact that I never signed a contract with them. I was also never provided any documentation from XXXX when I disputed this on the findings from the investigation. I dispute this debt a contract was never established my consumer rights were violated when my information was sold without my permission. If you disagree please provide proof in writing.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

on XX/XX/2020 fifth third bank took XXXX out of my savings, and took XXXX out of my checking. I have been banking with them for years and they have never taken anything from my accounts for this " credit line ''. they say it was for a credit line that was not paid. but I know I paid it and they're saying they have proof I did not but not proof I did. they took everything I had except for XXXX cent in all my accounts. they have erased other transactions I've tried disputing before also, and I've heard of them taking other people 's money before also. This ruined my life as of now, making me unable to now get my apartment and manage the cost of living. They do not care. they say they have the right to offset, but never have before. even when I've had hundreds of dollars in my account. Even if I did owe them, they say anything unpaid will go to collections. They practically stole my money today and it seems they have wiped out all my proof of paying but seem to have proof I didn't pay. This feels so shady and I just want justice before they do this to someone else. Its left me with nothing and that money was all I had and they have taken it.
Consumer complaint received 2020-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (MI)

I was lied to by lending club, i borrowed XXXX, XXXX from them to pay my credit cards off. They took out the fee which i understood, but the problem was, they deducted XXXX every month for 3 months, and it is still XXXX that i owe. How is it that i still owe that much when they have been taking {$180.00} for the last 3 months. Either they lied, or they never told about any hidden fees. I want this resolved. I try to talk to them about it and they came up with some poor excuse, about it should go down by XXXX of this year. They took advantage of of me and i want my hiddens fees they took out back. I hope you can resolved this issue. These people are deceivers. Can you please help?
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (NY)

Oxygen Recovery Group and company name XXXX XXXX and reporting false information on my credit report. XXXX  is does not have a system where i can upload my documents ( successfully ) to prove to them this is identity theft. XXXX XXXX falsified my signature ( i have prove they used one of their employees to sign ) and illegally used my social security number to obtain a new business account. They irresponsibly put this information on my credit report and they are not answering me when i try to show them prove that someone from their company falsified my information including signature ( my signature is very different from the one they used, i have different IDs with my real signature. XXXX  is not doing a good job at verifying this and they are just damaging my credit!
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CA)

I ordered a card XX/XX/2020 never received it ordered another card XX/XX/2020 they claim it was never sent out. Ordered another card XX/XX/2020 expedited forced to pay XXXX $ fee card and was supposed to receive tracking number never did. Customer service is rude and they lie to me all the time and even hang up in my face. I cannnot access any of my funds and have been told several times all I Do is wait.