davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (NY)

I opened an account with Paypal, to be able to accept payments from XXXX. After I was verified, I linked my bank account, which was verified as well. A couple of the transactions went through to my account, but the last purchase that I was paid for, PayPal decided to hold funds hostage. In addition to that, one of the buyers wanted to return merchandise purchased on XXXX, and a full amount of that transaction was frozen by XXXX, which took my positive {$110.00} balance to a negative {$190.00}. Even so PayPal was spun off from XXXX, they still work together to steal money from customers on regular basis. Once the money is frozen, customer has no ability to make a refund, unless personal funds are added to the account to double the amount of merchandise sold. If XXXX refunds the client, then removes the freeze to get their money back, they keep the final value fees and PayPal keeps the transaction fees in full. 
In the last two days, I have tried to transfer funds from XXXX XXXX, to be able to make a refund on my own, to avoid the fees that both companies would attempt to steal, but PayPal claims that my bank rejected the transfer. I called XXXXXXXX XXXX three times, even as a conference call with PayPal, when they stated that they have no record of rejection or even any attempt of the transfer. This is exactly what happened to my husband, when PayPal was claiming that XXXX rejected his transfer, but XXXX had no record of any attempts from PayPal. Both companies commit fraud on a daily basis, stealing funds from customers to improve their margins. Just because no one has started a class action suit against them does not mean that they should be allowed to do anything they want, and transfer funds only when they see it fit.
Consumer complaint received 2019-04-17
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. (CA)

one XXXX XXXX account is reporting under my equifax credit reporting agency as fraud. this account i had never opened nor given authorization to have someone open this account, please have equifax to have this fraud account remove from their data base since they are not helpful at all. 
this is not mine and was opened with out my knowledge, XXXX   XXXX even has a different address on file and reporting inaccurately. i will be awaiting for your response thank you
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I called on XX/XX/XXXXXXXX  and spoke to a XXXX XXXX Capitol One concerning my XXXX Rewards card. I explained to her that yes, my payment which was due on XX/XX/XXXX was one day late due to the fact that my SSI was not loaded on my card till the XXXX of XXXX. I had previously called before the XXXX and told them it would be one day late. They have now slapped me with an over {$19.00} interest charge, a {$28.00} late fee and a {$54.00} minimum payment. I made a {$50.00} payment on XX/XX/XXXX as soon as my money was posted. This {$50.00} more than covered my minimum payment of {$28.00}. In addition, it says my balance is STILL over the limit of {$750.00}. It did nothing to bring my balance down. Instead I get slapped with fees and what available credit I had disappeared. They are ripping people off, or in .y opinion they are me. I want this resolved, it is ridiculous.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (FL)

On XX/XX/2019, I have received an alert from XXXX  that an account has been flagged as collections. The account was an old XXXX XXXX account. Previously, XXXX XXXX sent the account to another agency that was not authorized in the State of Florida. The company SECURITY CREDIT SERVICES placed account # XXXX on my report. The company, SECURITY CREDIT SERVICES did not notify me of the debt. I have checked my credit report consistently,  and have never seen them until XX/XX/2019. I have also checked the US Postal Mail, and have not received any form of communication. According to the Fair Debt Collection Practices Act, a collector has to send you a written " Validation notice '' within five days of first contacting you. The notice has to state : How much money I owe, the name of the creditor I owe it too, and what to do if I do not think it is my debt. SECURITY CREDIT SERVICES has not done what they are required to do. They never sent any form of communication before they placed the debt in my file. They did not provide notice for me to dispute the debt or any portion thereof. 
*Collection Agency is on Page 55 of the credit report obtained from XXXX*
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

My father can not handle his affairs due to being placed in a nursing home. I am an authorized user on his account. The account is frozen due to some identity problems and I have sent a P.O.A to Capital One to pay this bill in full and close this account. On XX/XX/2019, I sent the P.O.A and pertinent info they requested by fax. In the meantime I have had numerous conversations with them to pay this account. They refuse to send the monthly bill, have denied me online access and tell me I can make a payment by naming an amount to pay. They will not tell me the balance or anything else. 

I received a letter dated XX/XX/XXXX, that the have deemed my POA not valid because they added more stipulations that were not stated before. Also it takes them weeks to review a POA. Now they are stating they need to know my citizenship, if I am a resident of US and what my yearly salary is and where I work. This is not what makes a POA invalid. I am retired, does that preclude me from acting on my fathers behalf. 

I have it on record by them refusing to allow me to pay off this account, that the account will go into default for nonpayment. This is a tactic now by the bank to stall so that interest and penalties are accrued on this account. 

I want access to this account without delay and close this account permanently.
Consumer complaint received 2019-04-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (DC)

NAVIENT is intentionally delaying the approval of income-based payment plan application forcing me to repeatedly ask for administrative forbearance. 

After submitting my application electronically in XX/XX/2019 I was asked to provide proof of income which I did in XXXX. Then I was told it was missing a date which I included and resubmitted. After this was called several times to check on the status and I was told to just wait and that the proof of income I provided was sufficient. When I called today, XX/XX/2019 -- only four days away from the due date of an over {$600.00} payment ( which I can NOT pay ), they told me that I have to submit a signed letter stating my gross monthly income. The proof of income I previously submitted already has that information yet they ask for a letter and offer to push to payment due date or put me in forbearance for a third or fourth time. Even if I send in this letter, the processing time is 17 days which means it would be far beyond the payment due date by the time it is processed even if it is accepted. They did not ask me for a letter the previous two times and waited until I had no time left to force my hand into forbearance or a missed payment. 

I asked them where I can file a complaint but said there is no phone number for such a service. I also look online but no such page exists on their site.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo Dealer Services is showing an account ( XXXX**** ) with a last active date of ( incorrect - fraudulently ) XX/XX/XXXX. They aren't reporting any payment history, either, and have not responded to my many requests for verification of their invalid dates - given that I have shown them the last activity made was in XX/XX/XXXX with my canceled checks from their bank and their repossession documentation they sent, meaning the statute of limitations for both debt collection as well as credit reporting expired in XXXX, XXXX. I made many attempts to work with them after they sold the care for less than pennies on the dollar back in XXXX, and since, but they are an immovable object. Even now, when they are clearly in violation of the statute of limitations, they continue to act in their best interest, no matter the consequences to me and my family. I would appreciate if you could get this item removed from my three credit reports, as it should have been three months ago, and have WFDS cease and desist all collection activity on this account. Thank you.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX central standard time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, XXXX placed a fraud alert on my credit report without my consent. Ive tried to remove this alert from my credit report, over the phone with this company, but they said I was only able to get this issue resolved either through mail or online.
Consumer complaint received 2020-06-06
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. (CA)

XXXX XXXX XXXX XXXX XX/XX/2019 IS SHOWING A 30 DAY LATE. THIS COMPANY FAILED TO VERIFY THE 30 DAY LATE. THE 30 DAY IS UNVERIFABLE.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IL)

Applied for 2yr promo card with home depot. Used only once on the date of application. Never explained to exactly what would happen after 2yrs. Covid hit 4 mnths after applying. My business was hit hard and never recovered. Yet, I continued to make min monthly pymnts to stay afloat- & I did. Promo ended during covid and in seconds my balance doubled. I went from XXXX balance to XXXX. I had made 2 payments of significant amounts just a day or 2 before promo was ending. Rep on the line never mentioned what was goina happen and still collected payment. Overnight my min bal went from under XXXX $ to XXXX $ minimum. I have tried for several mnths to set up a pymnt plan to no avail. Today I talked with a rep, a L2, & a customer service supervisor. I am being told if I can not afford XXXX $ XXXX I am not allowed to set up the pymnt plan. OR pay XXXX within XXXX. I can not afford either & I have explained this to all XXXX of them. Again to no avail. I am told that my interest will continue and have a possibility to continue til XXXX! XXXX go to collection agency. Why should I suffer at every turn. I didn't make the pandemic start that ended hundreds of thousands of businesses. I didn't ask for any credit limit close to XXXX cause I can't afford it. I paid every mnth throughout the entire pandemic. And am still trying to pay this underhanded company now. I'm doing best to be responsible and accountable for this but at every turn I get a gatekeeper that won't allow you to pay down a balance if it's not their exact amount to pay ev month. Instead of some sort of rectification they'd rather just KEEP CHARGING ME so that the hole becomes deeper. I've never known a debtor not collect towards debt UNLESS they have a different scheme to get you.
Consumer complaint received 2020-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PNC Bank N.A. (CT)

I received a letter in the mail from " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, MA XXXX stating I owed {$150.00} to a creditor " PNC Bank ''. I checked my credit bureau and do not owe money to anyone and do not do business with the creditor listed above. The letter seemed shady. Very little information given but listed a self-service website, call center number and play to mail the stub and check. Phone number listed : XXXX and Mail address : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, MA XXXX This is clearly a scam.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I was denied a signup bonus ( XXXX points ) for a new American Express Platinum account. I was denied on the grounds that I already had the card, but I have never actually had it. I had a different variant ( XXXX ) for two years but this is a different card with a different product name. 

Further, American Express never told me I wasn't eligible on sign-up. Usually, the company notifies me with a pop-up window.
Consumer complaint received 2023-07-06
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)

Im submitting a complaint to today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

This letter is an explanation of the collection item list under XXXX XXXX XXXX, XXXX. I signed a rental lease for my son under the pretense that I would ONLY guarantee his portion of the rent. I stated this in writing on the lease, I spoke with the property manager about this on multiple occasions and it is stated that each person had to provide a guarantor. On the final conversation with the property manager, he assured me that all three of the individuals residing there would need their on guarantor. Nothing further was provided to me outside of a copy of my sons form and my form.

My son and his roommates did not pay for approximately the last two months. The other roommates abandoned him there refusing to pay rent or utilities. Once he could no longer keep the electricity on, he too was forced to leave the rental. He was homeless for a period of time without our knowledge of what in fact took place. 
Approximately within a years time, I attempted to contact the management company to resolve my sons portion of the rent. I was told that the account had been transferred to a collection agency. I contacted them and discussed the matter and made an attempt to resolve my sons portion of the rent which is approximately {$600.00}. Adamantly they refused to settle or accept my offer. 
Over the course of the past 3 years, I have made several attempts to resolve this matter but the collections agency states that I am solely responsible regardless of what is stated and the verbal arrangements I made. I have offered to pay {$600.00} on multiple occasions to no avail. They have even stated that I need to provide contact information for the other gentlemen. I do not know these individuals and have no means of locating them outside of what was provided on their lease ( that was given to me by the collection agency ).
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NM)

I feel behind on my mortgage payment due to medical issues, I am a disabeled XXXX  war vet and tried to pay and catch up and tried to make arrangements, they told me i was already in forclosure and sent me a check in the amount of {$1000.00} check is dated XX/XX/2017 check number is XXXX and refused to take any of my payments any more, i tried to set up an automatic draft from my checking account and they refused that unless i was to pay amount in full. 
I recieved a notice in the mail stateing they are filling for chapter XXXX bankruptcy and a statemeant, i called them and asked for a pay off of my loan, they would not give it to me, then they told me i would have to call an XXXX XXXX XXXX XXXX XXXX   out of XXXX XXXX NM XXXX XXXX XXXX i called them and they stated that they where getting several calls and that ditech was not there client. i called back and spoke to diffrent rep, and asked for pay off and they said they could not give it to me and it would take 15 days, i called today and requested a pay off amount again and they refused to give it to me, i asked to speak to a manger they kept me on hold and finally tranfred me to ext XXXX i asked for a pay off and they refused to give it to me, i then asked who is your regulator they said they didnt know what that is, then they tell me CFPB, i asked for number and they told me to XXXX it, i then told them i have no internet, and they asked me what that stood for, so i replied to your spell the meaning out and they would not respond, nor give me the number at all. then they put me on hold and told me to call XXXX XXXX XXXX in XXXX XXXX. and said call XXXX XXXX XXXX and hung up. 
I called the number and it is a law firm dont know name but is in XXXX nm, i said i like to offer XXXX to pay off ditech of my note and be done with them and them with me, to be paid XX/XX/XXXX i am tired of the run around and refusual, at the time of speaking with them i didnt remember the check that they returned, so i like to minus my offer from XXXX to XXXX to pay off my mortgage and get title to my home to be paid XX/XX/XXXX. They refuse payment, charge intreast, and still have my money of XXXX and i sure they earned intrest and if i charged them intreast daily on that they would reduce the amount owed to them by that. they give people the run around and drag things on and rude, legal way of stealing from people, and cause people stress, companys like this shouldnt be allowed.
Consumer complaint received 2023-06-30
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: FIRST ADVANTAGE CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 USC 1681s-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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Throughout XX/XX/XXXX I received three supplemental tax bills from XXXX XXXX County. Shorlty after I received these bills I called to provide the information associated with the bill in order to make sure it would get paid. This was on XX/XX/XXXX. When calling the associate took down the specific tax information and assured me that PennyMac will take care of the payments through my escrow account. 

On XX/XX/XXXX I received written correspondence from XXXX XXXX County indicating that the payments were not made and that penalties have been assessed. On XX/XX/XXXX, I notified PennyMac about the problem and sent them copies of the notices. 

On XX/XX/XXXX PennyMac responded to my concerns by stating they are not responsible for supplemental bills nor would they pay the penalty unless I notified them. I responded by stating that I did notify them per my original complaint to them and that they should take action immediately along with covering the penalty costs. 

On XX/XX/XXXX I received a message from PennyMac saying they would take care of the payments. They said I should wait 14 business days before checking. It is now beyond 14 business days and they still have not taken action. One of  my bills has a due date of XX/XX/XXXX. which is now past. As such, additional penalties have now been assessed.