davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IA)

I no longer have a PayPal account, but received this email in my spam folder : From : " Billing Details! '' XXXX [ Add to Address Book ] To : " XXXX XXXX '' XXXX Subject : Pay-id XXXX..!! 
Date : XX/XX/2022 XXXX PM PayPal Hello XXXX, XX/XX/2022 XXXX PM Transaction ID : XXXX # XXXX XXXX It may take a several minutes for this transaction to show up in your account history. 

Seller Instructions to seller XXXX You haven't entered any instructions. 


Shipping address - confirmed Shipping details XXXX XXXX XXXX XXXX The seller hasn't provided any shipping details yet. 
AK XXXX United States XXXXnformation Qty. Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD XXXX x XXXX XXXX # # # XXXX # # XXXX Shipping and handling XXXX USD Insurance- not offered Total XXXX USD payment {$4200.00} USD sent to XXXX Receipt ID : XXXX Problems with this transaction? 
You have 45 days from the date of the purchase to issue a dispute in the Resolution Center -- XXXX XXXX XXXX XXXX Please Not try to reply to this message. automat'Ne notification system can't accept incoming messages. For immediate answers to your issues, visit our Help Center by clickinglielo located on any PayPal page. 

PayPalXXXX
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

Payment of debt of {$300.00}. was made in XXXX of XXXX and the debt is still showing on my against my credit report. I called the company as recently as XX/XX/XXXX to tell them to removed and it is still showing.
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (WA)

Hi, On XX/XX/2022 I called Edfinancial Services at Direct Loans- for account numbers beginning with XXXX XXXX  '' : Toll Free ( general inquiries and phone payments ) : XXXX I asked for two refunds for two payments made on : XX/XX/2022 : {$400.00} XX/XX/2022 : {$4000.00} My account number is XXXX. My current balance is {$5600.00} and they have not refunded the 2 payments made nor added the total back to my Federal Student loan balance. Please see if you can have them correct my balance after issuing me a refund for the two payments made. They did not give me an email confirmation that this request was made, I just have my phone records, which I believe is a really poor customer service experience. Thank you. 

XXXX XXXX
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In late XX/XX/XXXX, I applied for a loan assumption/modification on my late husband 's mortgage. 
I submitted all necessary documents. XX/XX/XXXX - was told by servicer that application + supporting docs were complete and under review. XX/XX/XXXX - was informed that application was denied because it was incomplete. XX/XX/XXXX and XX/XX/XXXX, I reapplied again. On XX/XX/XXXX and again on XX/XX/XXXX ; I was told the application was denied for incompleteness. 
In each submission, I have confirmation that they have received what was requested. I finally was forced to file a civil complaint in XXXX Superior Court ( XXXX ) on XX/XX/XXXX, to address this. 
The Service is still moving forward with the foreclosure sale on Monday, XX/XX/XXXX and has, to date, refused to extend any assistance.
Consumer complaint received 2022-01-27
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: EQUIFAX, INC. (CA)

I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.
Consumer complaint received 2022-01-27
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. (TN)

FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE OF NOR HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I reached out to Equifax Dispute center for investigation and verification of a wrongfully reported account on my report. It has been over 30 days and I havent received any response or documents with any signatures or validation. 

Account : XXXX XXXX # XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MN)

XXXX has been reporting incorrect information on my credit report, this account has been paid since XXXX, but they just reported the highest delinquency date as XXXX. As you know, the Fair Credit Reporting Act ( FCRA ), as described in 15 USC 1681, requires that I provide accurate information about my account.
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (TN)

On XXXX I received a completely unsolicited XXXX XXXX debit card from XXXX. The Issuing company is XXXX Bank and XXXX. XXXX XXXX is affiliated with XXXX XXXX and their frequent flyer program. I have never applied for a XXXX XXXX credit card or any other card associated with XXXX XXXX. There is an {$85.00} annual fee associated with this card if you choose to activate it.
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

I opened a paypal credit account in XX/XX/XXXX. The purchases were deferred for interest. The minimum amount due was always paid on time. For several months, I did not receive a bill. I spoke with Paypal ( XXXX ) in XX/XX/XXXX to inquire about my statement. She promised to mail me my statements. I never received them and later found out from paypal that she did not mail them as promised. I spoke with XXXX, Agent ID XXXX on XX/XX/XXXX. She explained how to view statements online. She transferred me to XXXX, Agent ID XXXX who then settled the account for {$1600.00}. He said he would waive the interest accrued and late fees since I did not receive my statements. I agreed to this and gave him bank information to take a payment. They debited my bank account on XX/XX/XXXX for {$1600.00}. On XX/XX/XXXX, I noticed online a balance for {$350.00}. Paypal is now saying they did not agree to waive the late fees and incorrect interest accrued and that they don't have any notes from the representatives that I spoke to. They also said they do not have any records on the representative who took my payment of {$1600.00}.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

From XXXX XXXX to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

When Covid hit, my wife and I were both laid off. We signed up for the forbearance program offered by our Mortgage company, Specialized Loan Servicing. 
We're both full employed now, and have been making regular payments, however, Specialized Loan will not modify our loan. They want {$40000.00} or else they're threatening foreclosure. We clearly don't have {$40000.00} or else we would've made the regular payments all along. Additionally, they marked our credit as delinquent. This caused my credit score to drop XXXX points over night, this 'mark ' prevents me from refinancing. Interestingly, they downgraded my credit a week prior to rejecting our application for assistance. 
We can easily afford our home of 15 years, and Specialized loan continues to cash our payments. 
I'm looking for help with this situation, as I'm sure we're not the only people in this predicament. 

Thank you
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX  and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (VA)

XX/XX/XXXX - made a purchase of {XXXX} ( XXXX XXXX XXXX ) XX/XX/XXXX - made request to cancel service with Merchant. They agreed to refund the amount and sent a cancel confirmation. 
XX/XX/XXXX - refund not posted to my account. Contacted Merchant who provided copy of correspondence from their payment vendor XXXX that refund was being processed and to work with my bank to locate the funds. 
XX/XX/XXXX - initiated a dispute claim with XXXX XXXX Way2Go card company. 
XX/XX/XXXX - received correspondence in mail from XXXX XXXX way2Go card company dated XX/XX/XXXX stating that the Merchant provided documentation that indicates the transaction was correct and they denied my dispute. 
XX/XX/XXXX - contacted Merchant and they state that they did not dispute that the money should be credited back to me and that they provided no documentation to XXXX XXXX Way2Go card services. Merchant also stated that the {XXXX} had already been taken from her account by Way2Go XXXX XXXX. 
XX/XX/XXXX - contacted XXXX XXXX again to escalate my dispute and to request the documents that the Merchant provided ( as per their correspondence ). Spoke with 5 reps who all ask for Social Security number and who were of no help, laughing at my questions and hung up on me and stated that my escalated dispute was being denied. 
XX/XX/XXXX - received correspondence from XXXX XXXX way2Go card dated XX/XX/XXXX stating that the dispute was denied and the documentation included were documents that I faxed to them to sustain my claim. There were no documents from the Merchant included that they state were used to deny my dispute. 

Below are the transactions on my account for the {XXXX}. There were 3 transactions on my account on XX/XX/XXXX - XX/XX/XXXX, XXXX. 

XX/XX/XXXX - Purchase {XXXX} XX/XX/XXXX - Reversal Credit {XXXX} XX/XX/XXXX - Reversal Debit XXXX XX/XX/XXXX - Provisional Credit {XXXX} XX/XX/XXXX - Provisional Debit {XXXX} If my dispute was denied by XXXX XXXX Way2Go and taken from my account and the money was already taken back from the merchant and they do not have the money, who has my money and where is it?
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

Loan Servicer : Fed Loan Services Loan Program : XXXX XXXX Under the new XXXX rules, I submitted a new employee eligibility form for time period running from XXXX ( XXXX XXXX XXXX 's XXXX XXXX XXXX This was previously unreported employment/payment period. 

XXXX I contacted the provider via email for an update. The email was acknowledged via auto reply, but no written response was ever sent. 

XXXX I contacted the provider via email for an update. The email was acknowledged via auto reply, but no written response was ever sent. 

XXXX Received updated payment calculation and employer credit. No indication that the XXXX employment period was considered. Qualifying payments were not increased and my expected eligibility for XXXX increased into XXXX. 

XXXX Submitted XXXX employee eligibility form a second time for evaluation. 

XXXX Received updated payment calculation and employer credit notice. The approved begin date for the employment period XXXX was incorrectly calculated ; the servicer listed the approved employment as XXXX. As a result, I again received no credit for payments beginning in XXXX. My anticipated XXXX eligibility date increased to XXXX. Prior to the submission of the expanded employment time frame, the expected date was XXXX. I contacted the provider via email regarding the error. The email was acknowledged via auto reply, but no written response has been received to date.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

EXPERIAN HAS BROKEN THE LAW! 

Experian is in violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 Violation - 15 U.S.C 1681b ( a ) 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX XXXX have not given Experian written instructions to furnish my report.
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC (FL)

On XXXX XXXX, 2017, I received a phone call from ( XXXX ) XXXX on my cell phone. The man calling asked for someone whose name I did not recognize, so I told him he had the wrong number and hung up. This was the second call I 'd received like this, so I called back and asked him to please take me off their calling list. Instead of agreeing to take me off their list, he asked me how I knew the person they were calling about, if they were my husband or relative, etc. I told him to stop calling me, but he continued to ask me questions about the person they are trying to find. He then accused me of lying about not knowing the person they are trying to find. When I told him I would report him to the FTC, he became rude and abusive and continued to call me a liar. 

I asked for his name and the name of the company he was calling from. He said his name is XXXX XXXX and he was calling from ARS, XXXX XXXX XXXX XXXX XXXX, NY XXXX. I asked him repeatedly for the full name of the company or what ARS stood for and he refused to answer, insisting that it was just ARS. 

This person was extremely rude, aggressive, and refused to comply with my request to take me off their calling list. Instead of agreeing to stop calling me, he started asking me personal questions as if I 'm obliged to help him find whoever he was looking for. He even asked me why my office line was ringing while I was on the phone with him. This person is extremely aggressive, unprofessional, and showed no respect for my rights as a consumer.
Consumer complaint received 2016-01-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealer Services has violated the FDCPA. 

They are calling my employer phone # and leaving messages for me, this is after I have notified them that my employer does not allow personal calls and I asked them NOT to contact me at work period but they did on XXXX. This is after speaking with me twice on my cell phone while I was driving. 

The have violated the Act by contacting XXXX parties. There was no need to contact a XXXX party. I believe it was for embarrassment. I have spoke with them on the same day and on multiple occasion within the last 2 weeks!!! I am in frequent contact with WFDS and had been at least XXXX times within the last 30 days. I am a long time customer who has not moved or changed phone # during the life of my loan with them ( 4 yrs 9 months ). 

They have called my cell phone XXXX times TODAY ... ..this is harassment and annoying and also using up all my cell phone minutes for unnecessary calls. 
This is after speaking with the local office to set up a payment arrangement. Their tactic is, if you do not pay today, we have to keep calling you ... ..really, I do n't think so. I agreed to set up an acceptable arrangement. However, she wanted an additional {$10.00} to set up a payment, or I could do it on line for free. I came home to do it online and it will not allow me to set up a payment for a future date as she agreed on the phone. 

Really, somebody needs to speak with these people about these serious violations and how they plan to correct them.
Consumer complaint received 2022-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

I have been contacted 5 times in the last month concerning a debt that is not mine. I informed the first caller on XX/XX/XXXX that I was not the person named and at the time told them not to contact me again. I received 4 calls since then and the missed call on XX/XX/XXXX. I returned the call and again told the person answering that I was not that person Midland Credit was trying to reach. I asked what the calls were for and was told to collect a {$900.00} plus debt to XXXX XXXX XXXX XXXX. I told them that I currently have several accounts with XXXX XXXX and my credit card was in good standing. I then told the person not to call again. They replied that my credit score would be affected if I did not pay. I reiterated that I owed no such debt and said not to call me again because I was on the NO Call List. The person then hung up.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
Account # XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions