davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
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 ()

I sold some trading cards to a reputable store, they sent me the money I was owed via PayPal, upon receiving the funds In my PayPal account I got sent an email saying I can no longer do business with PayPal and that they will be holding my PayPal balance for 180 days. Ive purchased items with PayPal and have sold items with PayPal, never had any problems before and have done nothing wrong, I am confused and have tried getting in contact with PayPal numerous times on the phone but I just get fed generic response after generic response. When I ask to speak to a supervisor I get placed on hold for hours and no one ever answers me. This has to be some kind of mistake as I have done nothing wrong to my knowledge to justify them holding my funds for 180 days. My PayPal email is XXXX XXXX
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

I had a long dispute with XXXX XXXX regarding some money on a insurance policy they claimed I owed. AWA credit collections put a derogatory note on my credit. I called them and asked about it. I sent in the information they required to take off the damaging information- they never removed it. Finally I had XXXX and XXXX take if off. Unfortunately, the derogatory info was still on my credit when I was being evaluated for a home loan. I got a higher interest rate because of it. I had the CA Dept of Insurance evaluating the insurance problem. It tool several months for them to come to an agreement with XXXX regarding the balance I owed. I received a phone call from my contact at the Dept of Insurance informing me I would now owe {$100.00}. I agreed to pay it off once I received the bill. I had yet to receive a bill or any kind of statement ( it was just four days ago I had spoken to CA Dept of Insurance- and AWA placed another derogatory note on my credit!!! This was one was not overdue, and I had not received ANY written notice regarding the new balance or agreement. The info on the Derogatory claim on XXXX said it was due XX/XX/2019.!!! Not overdue, just due XX/XX/2019 AND it was for a higher amount than CA Dept of Insurance had given me. I paid the amount CA Dept of Insurance told me ( {$100.00} ) instead of the {$110.00} AWA had claimed. I am XXXX, and it's hard enough for me to keep things together without this kind of drama attached to my credit report.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received several emails from Bank of America stating that an account was opened in my name using my social security number, email address, and home address. I have spoken to bank of America on the phone and also went to their local branch, which is when I found out they had access to my social security and home address, and birthday. The bank instructed me to freeze my credit with the credit Union. My boyfriend froze his as well as a precaution with him being in the same household. We do not know what their intentions are, but are now very concerned knowing they have very personal information. I also received an email regarding changes to my unemployment benefits account which were made. I have not been able to get in touch with unemployment but am questioning that they may be related. The bank of America profile created with my information also stated that I worked for XXXX XXXX XXXXXXXX and I have never heard of or worked for this company before. The name on the profile was XXXX XXXX. I have never heard of this name before either.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (WI)

the bank called me to inform me that it was a fraudulent check and they handled it really bad. the lady was being very rude and disrespectful to me ( a young adult who isnt financially informed ). i got scammed online and the check looked very real and im are only XXXX so i have no idea what fraudulent checks look like, and i didnt even know they were a thing. The lady on the phone was victim blaming as i was sobbing on the phone having a XXXX XXXX and she made no effort to comfort me, she keept asking me what is going through you head to make you think that you are able to cash a {$2500.00} check for nothing and she was being rude and hanging up on me, i said i was scared and didnt know what was going to happen and she said the bank was probably going to bann me and that isnt up to her and she said she needed to go and call the fraud department and i was trying to say sorry but she hung up on me mid sentence. im only XXXX and ive only had a bank account and a job for a few months now, i never had parental figures to teach me about finances, and i can not take social ques and i cant tell if someone is being serious or joking or being manipulative. today is XX/XX/2022, i put the check in on XX/XX/2022. The bank is BMO Harris, and i will be transferring banks because im probably getting kicked out anyways and i dont want to associate with a bank who disrespects their clients
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

i had the costco XXXX XXXX credit card as a member, when costco decided to switch from XXXX XXXX, as the only credit card they would allow costumers as the payment method, to the XXXX visa card i was switched to it automatically, after about 1 year when the XXXX card expired i got a letter saying that they were closing my account because of delinquency on an old account. i called i asked them why they gave me the credit card for 1 year and that they couldve not gave it to me from the beginning they told me they had the right to cancel my account at any time, but not only they cancelled my account but they kept charging me for late fees and interest i told them that if they were the ones closing my account at least they shoudlve stop charging me late fees and more interest! i need to mention that while my account was active i never missed a payment, never had a late payment and i paid the whole amount at least 3 times, and also they said that they were not giving me the rewards money ( costco cash back rewards ) that i had earned until they closed my account.

so i think they were racially profiling me and discriminating me
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (OH)

In XX/XX/2021, I obtained a copy of my credit report and noticed a late payment listed that had lowered my credit score. When I saw the name of the creditor, I realized that I never opened an account with this company. I contacted the accounting department of the creditor and told them that this was not my account and that I have never purchased anything from them. They told me they would investigate and get back to me. A couple of weeks later I received a letter from them telling me that they had conducted an internal investigation and that they had determined that the account was mine and I was responsible for the balance. I contacted them and told them that it was not my account and that I had no intension of making any payments. The monthly payments are apparently being made by someone else, because I have not received anymore late payment notices, but the one late payment notice from last year is still affecting my credit score. I disputed this with the credit bureau, but they took the word of the creditor and would not remove the late notice. I am being penalized for an account that I did not open and this creditor refuses to do anything about it. I closed this account, but the account balance and the late notice to the credit bureau still stands.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

I was charged lat fees when I have automated debit with the lender. Nobody is willing to help me, I called, I talked to the manager who asked me to send her my bank statement and there was no follow-up, extra charges are added to my account.
Consumer complaint received 2021-05-11
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. (TX)

Ive send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report, and not complying as per the FCRA, the bureaus are under breach of the law. 

I have not supplied proof under the doctrine of estoppel by silence, Engalhardt v. Gravers ( Mo ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please remove all fraudulent inquiries and accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/ identity theft, all is being investigated by the FTC . According to FCRA 6058 this information must be blocked immediately until the investigation is over.
Consumer complaint received 2018-12-21
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (GA)

Due to me being uneducated about repaying my loan I was misguided/ misinformed to apply for consolidating instead of correct and helpful information to have this loan discharged I feel now as I have been persuaded in making the wrong decision on the latest application I've submitted to XXXX.
Consumer complaint received 2023-01-12
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. (NJ)

My name is XXXX XXXX, and I am writing this personal statement on my own behalf. After carefully reviewing my credit portfolios, it has occurred to me that my identity was at some point stolen. Various accounts were opened for financial gain and services. The listed accounts in this report I would like removed immediately. 

Fraud accounts : 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 2022-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CT)

My name is XXXX XXXX XXXX, I am a XXXX XXXX XXXX XXXX No. XXXX. I issued an invoice for legal services to XXXX XXXX, a client, for {$13000.00}. I do not regularly use Paypal since I work primarily as in-house counsel. The client paid the {$13000.00} on XX/XX/2022. Paypal then refused to release the money. First it requested documentation of various sorts, which I provided XX/XX/2022, the same day. I provided my driver 's license, attorney identification card, a copy of the docket sheet that showed some of the court work I did on the case. Paypal wanted proof that I purchase supplies ( I provided the docket sheet- I'm a lawyer I don't purchase supplies to sell ). Paypal charged {$470.00} for the transfer then said it needed time to investigate and did not release the funds. I then refunded the client in total on XX/XX/2022. Paypal withheld the {$470.00} and stated that the rest of the client 's funds had been returned. I checked with the client that day. He said he had not received the funds. I checked again today, XX/XX/2022 - 5 days after I ordered a complete refund. The client said that his Paypal account stated that the funds had been returned but he had zero dollars credit in his Paypal account and zero credit to his bank account ( from which he had withdrawn the {$13000.00}. ) My Paypal account shows that Paypal refunded {$13000.00}. You can confirm with my client at XXXX. I can also provide the invoice and ledger. 

Paypal stole {$13000.00} from me and my client. That's a lot of money. I tried to file a complaint online against Paypal with Paypal, but the company website only allows me to file a complaint or open a dispute against a customer or another vendor. Paypal will not be accountable for its actions. 

I went online and discovered that other people are having horrendous problems with Paypal acting fraudulently. Paypal must return the entire {$13000.00} to my client, XXXX XXXX. Under no circumstances should Paypal be permitted to keep a {$470.00} fee for doing nothing except refusing to give me my money. Paypal is basically an organized fraud outfit and needs to be shut down. We need your help. 

Please intervene.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : 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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

My cousin and I were tragically scammed out of {$500.00} and I dont believe my bank did enough to help resolve the issue. 
On XX/XX/XXXX, unbeknown to me, I conversed with a scammer online to purchase concert tickets. This person was so convincing, providing comforting words and sending proof of their goods that were to be sent to me after payment. Being only 21 and not having any experience in this kind of business transaction, I believed them and agreed to sent payment of {$500.00} for two tickets through the use of XXXX. 
At the time, I did not have enough money in my own personal checking account so my cousin ( who was to be the second ticket owner ) sent me {$500.00} out of her savings to purchase these tickets. Shes only XXXX XXXX XXXX and used her hard earned money to pay for us to attend this concert together. XXXX is the approved payment app through the chase mobile app so I believed that it was safe and that my bank would have my back incase of situations like these. After sending the money, the person proceeded to ignore my messages asking for updates and eventually blocked me altogether. 
I proceed to called the customer service number on XX/XX/XXXX for assistance, panicked and asking for the next steps. The customer service worker was nice and reassuring and told me the bank would file a claim and discuss with XXXX. A week passes by and I called once more for any updates, ending up very disappointed in the lack of action of the bank. I have not called back since due to work and school keeping me very busy and stressed. I keep checking and waiting to hear back from chase themselves about any resolution or updates about the situation with no luck so far. 
The stress of my family member being out of {$500.00} has been so intense, and with my school added on top of that I feel so unwell. Its sad that money can make such an impact on a person but this situation has been so disheartening and just proves that it really does. I understand how I was naive on my part, but also must acknowledge the problem in chase approving XXXX  with the possibility of this issue occurring to any common person. I would not have used that form of transaction if it was not already in the chase mobile app. 
I wish my bank could fight more, possibly getting the money refunded SOMEHOW. I am not angry with chase, Im not submitting this complaint out of hate or frustration. I am just disappointed and out of {$500.00}, and will consider transferring to a new banking company.
Consumer complaint received 2021-08-28
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. (MD)

Since our loan was sold back in 2019 and since changed Servicers twice, we have had consistent score changes and ongoing " Remarks Added '' which also affects the scoring. 
Both Servicers I've been fighting in the 23 month period to properly report payment history and in one case remove excessive balance amounts. This has been an 23 month pursuit that has yet to yield TRUTHFUL reporting.

More recently Transunion has entered the huge score drop that in most cases the my score drops more than 100 points and for not valid reason, considering there are no negatives accounts or missed or late payments. Fact is the only flaws on my credit report is what two mortgage Servicers has reported and refuse to correct. Now in the past month, Transunion has been doing the huge score drop and but they have restored it once. But like clock work, it seems that if I either apply for refinancing or maybe they think I have my score takes a huge drop. Sometimes they even attach the drop to one of my other accounts that has never shown a negative or missed payment, so we know any small change like the account being added, which usually increases the score because I have a very few account on record. This is interesting especially being told that the credit bureaus are allowing third or other parties access to consumer credit reports. And explains why in our near 40 year mortgage history, the last 23 months has produced these problems. We've never had problems with the credit bureaus before the loan sold back in 2019.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: AES/PHEAA (TX)

XX/XX/2021 Student Loan Consolidation Scam I received a letter in the mail that stated " Student Loan Consolidation & Payment Reduction Program Prepared For : ( me ) '' - New Laws Discounting Federal Student Loans It included information that seemed legitimate with options for student loan consolidation and forgiveness plans with directions regarding using my FSA account. I am familiar with this process since I attended college and completed FAFSA regularly. The website link ending in ed.gov also made me feel comfortable going through this process. I quickly logged in my existing account and then called the phone number XXXX to speak with an " expert ''. I figured they could help guide me through the website and complete the appropriate actions. 

I called the number and spoke to a rep. He somehow logged into my FSA account and changed my password. ( I later went in and changed it ). He asked me basic questions about my income, family size, etc. Everything seemed legitimate and went smooth until he placed me on a brief hold and returned saying that I was approved. 

I started to get a bad gut feeling from the following actions : - He stated that there would be a " fee '' that he could not specify. I was placed on a brief hold and when he returned he let me know that it would be {$790.00} or two payments of {$390.00}. There was a third option for 3 payments of {$290.00}. 
-He seemed very pushy and wanted me to schedule out a payment within a week. For someone who is trying to lower a student loan payment, this simply does not make sense -He then asked for my checking and routing number over the phone. When I expressed skepticism he started to recite my social security number and personal information back to me to somehow reassure me that it was not a scam. 
-I asked him if he was a part of FSA organization he said yes, and used the fact that he could access my information as proof of that -I questioned him further and asked him if the service that he was providing me could be completed directly through the website and he stated " well yes, but many people can not do it correctly, just like people who do their taxes by themselves '' -He somehow sent me 2 documents to sign from XXXX  via email. One was for student loan forgiveness ( I make enough money that I wouldn't qualify anyway, so that didn't make sense to me ). He asked me to delete the first one. 
-As I started reading through the second document, I noticed the business name was Cornerstone XXXX XXXX. 

I did not sign any documents and politely ended the phone call. I did not appreciate being mislead and ended up completing an application free of charge in about 5 minutes after ending that phone call.

This is a terrible scam and unsettling- especially if they are taking advantage of people who took out loans to get an education and are looking to save money.