davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc ()

PayPal has defiantly refused to pay me back my stolen funds. After I made an initial complaint, they claimed said I accepted a payment for cryptocurrency, which is all false. 

My fair business of programing/Coding and selling of open source products to my clients has seriously been affected by the clear stealing of my funds by PayPal over nonexistent damages.

All charge back cases against me has been resolved amicably without an exception. 

I need to make it clear to you that, I did not sale any digital currency, I only created the codes for my client ; I code and create for people. In which case I did not infringe on any of the terms or conditions as agreed in the creation of this account. 

As clearly stated in PayPal 's Acceptable User Policy ( " AUP '' ), this service as regards coding clearly doesn't involve a sale of CRYPTOCURRENCY which would have in its case need prior approval from PayPal, but rather the sale of codes by a programmer to an individual, which in this case requires NO prior approval from PayPal as the payment gateway. 

I hope this is clear enough now, I SOLD CODES, NOT CRYPTOCURRENCIES. 

Whatever the use was later on by the man is clearly not my liability. 

I made it clear and blunt " I completed my own part of CREATING and LISTING '' this was basically coding and uploading the codes. As stated before whatever he might have used the codes for afterwards is not my liability. And it should not be a liability to my business either. 

- There was no sale or purchase of any digital currency from my business. 

- The amount agreed upon between my client and myself was contended and the remaining balance in tune of over {$1700.00} USD was payment for my service. 

- I type lines of codes for people. That's the job of a programmer.

- In line with this ; My rights as a user of PayPal were clearly infringed, as I did not go against your AUP. And with that, firstly the clear mistake of the deduction of over {$1700.00} USD under the transaction ID : XXXX and XXXX respectively should be reimbursed to my account. 

Yet after provision of prove of transaction PayPal denied me refund of my stolen funds. 

I have not poised a treat to PayPal neither have I violated, or gone against it's policy and as a loyal I demand for my refund. 
Refusal is refund me is a scam from a very reputable company, illegal and out of what they have always promised as a legitimate financial institution, an act that can't even stand in court.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My complaint is against Bank of America credit card department. I have tried multiple times to set auto pay and was told it was set. I have everything set this way and it is an easy thing to do for peace of mind. The app does not allow you to set auto pay. I am not sure why cause who would not want to make it easy for the consumer to give you money, and an app should allow you to make payments and check balances, but theirs does not. I have called to complain and was told via phone several months ago that my auto pay was set. I usually go in on my app and make extra payments and future payments too. So I never noticed that the auto pay is not set as I had thought. I was shocked to find a notification today that I am 5 days late. Why they tell you five days later who knows but I made the payment and noticed I was charged {$29.00} fee. I called to ask the fee to be waived and a one time forgiveness, and once again assistance to set up auto pay. It took me at least an hour because you have to go online desktop only to set and they told me the passcode is the same but it wasn't. So once again I have to call for assistance just to login. It should not be hard to make a payment. I am set for auto pay and extra payments to ensure it will not happen again and ask BOA to please waive fees and late pay history for this one time.
Consumer complaint received 2018-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

I attempted to apply for a loan modification with Wells Fargo in XX/XX/XXXX. I was told who my home preservation specialist was but I was never contacted by him nor did he answer any of my calls. Finally, after several attempts, I was able to speak with him and he stated that he didn't know he was assigned to my case. I then, spoke with different agents at Wells Fargo and they gave me different instructions on what to do. However, the last agent told me that I had to have my application in within 7 days of my Foreclosure date. Which should have been XX/XX/XXXX. I did so. Wells fargo called me on XX/XX/XXXX stating that they could not help me because turned my paperwork in too late. I called HUD and the escalation department at Wells fargo phoned me and stated that they would indeed review my case and attempt to delay the foreclosure. I did not hear from him until the Evening of XX/XX/XXXX. He stated that he couldn't stop the foreclosure, but, he would continue to review my case because they maintained ownership of the property. He kept sending letters extending the time frame to get back to me. Finally, I received a letter in XX/XX/XXXX stating that the foreclosure stands because they did not have verification of my employment start date. I expressed my disagreement with that response. I never heard from Wells Fargo again to this date. I received an eviction notice from XXXX XXXX XXXX in XXXX, XXXX. I also received a cash for keys letter from a XXXX XXXX XXXX at the same time stating that they were a DBA for Wells Fargo and they are handling my loan. Neither of the companies knew the status or process that was going on from each company regarding my loan. It is my prayer that something is done to save my home from this wrongful foreclosure. I have been very ill and had a XXXX due to the situation. I would like to file a complaint against Wells Fargo for wrongful eviction. Also the paperwork noting the sheriff 's sale which is attached to the eviction notice from XXXX XXXX XXXX does not appear to be signed by an individual. It appears to be cut & paste. I'm am attaching a notification regarding a class action lawsuit regarding XXXX XXXX XXXX for the manner in which they participate in foreclosures. I am also attaching other correspondence relating to my situation.
Consumer complaint received 2022-07-21
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: Everi Payments Inc. (AZ)

My wallet was stolen from my vehicle on XX/XX/XXXX and illegal / fraudulent charges were made. Theft was reported to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
I notified all credit cards companies and disputed transactions. 
All were verified as fraudulent ( and there is video surveillance of all transactions ) and money returned to my account/ cards. 
One charge from XXXX XXXX was initiated at a casino as a cash advance. XXXX XXXX contacted the merchant ( Everi XXXX ) and notified them that this was fraud. They provided merchant with police report, and Everi did not fight or dispute chargeback. 
On XX/XX/XXXX I was notified by my private banker that a negative collection hit my credit reports ( resulting in a XXXX point drop ) from company called XXXX XXXX XXXX. 
Upon contacting them I was told it originated from the fraudulent credit card transaction at XXXX XXXX  that that EVERI XXXX was the reporting company for collection. 
I contacted XXXX XXXX, who verified that this was verified as fraud and charged back. They also said this was between XXXX XXXX and Everi- not me the consumer. 
Everi did not fight or dispute the fraudulent transaction / chargeback, but sent my information to collections knowing full well that this was identity theft / fraud.
Consumer complaint received 2022-06-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NY)

Account Number XXXX Name CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance incorrect this was closed see attached {$17000.00} Last Payment Amount {$0.00} Original Amount {$28000.00} Original Charge-off {$22000.00} Past Due {$17000.00} XXXX no past due im no longer responsible and the age of the closed account is way past its age in my credit report I was removed fraudulently by XXXX XXXX XXXX in XXXX my signature was forged and she did not have my consent and I was never provided with the signed executed copy of the removal, charge off of the account. She is the sole singer and responsible signee for this account since XXXX and I have no access to the account because she refuses to provide the documents needed to show that I am not responsible or listed since XXXX the late payments and payment reporting should also not be reflecting on my report as well please guide and help me with this process as I am being held liable and paying for someone else transgressions and fraudulent actions. I have never had XXXX late payment on any other account and Chrysler capital refuses to review the account because Im not an authorized person on this loan. Please help me get this fixed
Consumer complaint received 2018-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On the XX/XX/XXXX I had the following coins transferred to my Coinbase wallets. I have put links to the coinbase wallet addresses for my account and blockchain info. 

Bitcoin XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Looking at my wallets XXXX XXXX XXXXXXXX There is nothing there for the transfer for any of the coins. Not even pending. If you look at the blockchains above you can see the coins went to my addresses and immediately left somewhere. However the amounts never went to my wallets. I opened a case for this on the XX/XX/XXXX and still haven't had a meaningful reply from coinbase
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  Reported : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

My employment was impacted by COVID-19 when my prior employer had a reduction in force of approximately 75 % of the staff including me in the second quarter of XXXX. Unfortunately, I have been unable to find employment, however I have continued to make my lease payments. I attempted to make my XXXX installment, but was informed that my lease had matured and was threatened with having my vehicle forcibly taken. I have been a longtime Nissan/Infiniti customer, owning or leasing 4 prior vehicles. I shared with the representative that due to the pandemic affect on me financially, I can not purchase this vehicle nor purchase another vehicle, however I can continue to make lease payments. My lease had in fact already been extended by 3 months and my prior Infiniti leased vehicle was extended by 12 months. The rep stated they could only provide additional extension if I purchased or leased another Infiniti vehicle and that they would not provide any additional COVID related assistance and stated that if I did not return the vehicle by XXXX, the vehicle would be subject to picked up. It is extremely unfair that Infiniti will extend my lease if I purchase or lease a new vehicle, but is unwilling to provide a short term extension of the lease otherwise. Considering the unprecedented pandemic we are dealing with the fact that I will continue to make lease payments and that Infiniti previously extending my prior lease by more than 12 months simply by me making a request, it makes no sense that they are unwilling to do the same here and it feels like they are targeting COVID-19 affected consumers. Their action will cause me considerable harm and I am asking that they extend my lease by 3 to 4 months to allow me time to either purchase the vehicle or end the lease and return the vehicle
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX To whom it may concern, This account XXXX XXXX  XXXX XXXX XXXX was charged off XX/XX/XXXX. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. 
Please delete this account. 


I have attached my ID to this letter.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NJ)

Truist randomly froze my account, I could not get them to unfreeze it on the day because I didn't have my bank statements from my other banks. Now they've frozen the account but refuse to send me the check for the little over {$1000.00} in my balance forcing me to go to the branch. The closest branch is a XXXX hour drive away and I simply don't have the time. Truist does not give any option to authenticate over phone no matter what. Their wait times are atrocious and it's simply impossible to get them to give me back my own money. 

At the same time, their terrible tech system keeps sending me emails about " your account is fine this month! '' as if it's still opened. Their customer service thinks its open, but their other fraud department says its closed.
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (NC)

I set up a 13 week Sunday only subscription on XXXX XXXX. I paid in full the amount of {$45.00}. I have an emailed receipt with all this information. Prior to my subscription ending I logged in and cancelled my subscription since then I have received many emails trying to get me to subscribe again, but never a debt notice until I received this one in the mail for {$24.00}. I believe they have sent this on mistake to the wrong person.
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (SC)

Common Wealth Financial, XXXX, {$1500.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (TX)

Dear all, Kindly below assist to remove the below inquiries in my Experian profile, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion XXXX XXXX are not allowing me to access my credit reporting to make updates or dispute actions. 

XXXX collections is not mine. I have requested that this be removed. XXXX failed to provide me with a contract stating that I owed the debt to XXXX  XXXX. I provided all parties necessary the legal court order saying I didn't know the money, I only owed attorneys fees. 

The only things that should be on my credit report are the following : XXXX XXXX Accounts : Student Loans : I have all the letters submitted to agencies and the letters requesting verification of debt. Which includes debt with my signature on it agreeing that I owe the debt of obligation. None was provided and I sent a letter to both parties disclaiming the unverified debt. 


All of my credit reports are in accurate. My XXXX Report is the most accurate and the most update.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (MO)

I have noticed that XXXX XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2021. On multiple occasions I requested XXXXXXXX XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Consumer complaint received 2018-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2016, this debt for { {$890.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2018-10-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Lincoln Educational Services Corporation (IN)

XXXX my son was recruited to attend XXXX XXXX in XXXX. We were pressured into attending this school. A rep came to my home to talk to my son and I. When my son and I went to enroll him, I was told to sign a parent loan in order for him to attend school. The school was brand new. After my son attended for about 6 months, he decided to leave, it was not what he was told it was and he informed me that the teachers did not tech him anything and it was a waste of money. To this day am still paying back {$15000.00} dollars in a parent loan for 6 months of attendance. I was charged the full price as if he graduated. I try to talk to someone in the office and made several calls, No one assist me and stated I was stuck with the parent loan. I was misled along with my son and I need help. This has been damaging my credit for over 10 years or more
Consumer complaint received 2022-02-02
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ]. I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritorious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. Thank you. Enclosures.
Consumer complaint received 2021-10-22
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. (CO)

I have sent 5 letters starting in XXXX of XXXX to Transunion to verify an account that is reporting that should not be on my report. Ive attached the last letter sent to them, and I still haven't received validation or removal of this item,