davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
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 ()

PayPal closed my account for no reason yesterday, XX/XX/2021, and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I have funds amounting to {$560.00} ( gross amount ) that are on hold for 180 days. I just can't believe that PayPal hinders me from withdrawing my own money. My email linked to my PayPal is XXXX Thank you!
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Innovate Managed Holdings, LLC (GA)

I received a letter from Innovate Auto Finance/ Dealer Funding LLC XXXX XXXX XXXX XXXX XXXX Texas XXXX stating that I was in default and Requirement of Strict Compliance. The letter was dated XX/XX/XXXX. I reached out to the company on XX/XX/XXXX through email to validate the debt because I had no idea who this company was, I never signed any contracts with them nor haven't even spoken to anyone from the company before. I go outside to walk my dog and realized that my car is missing, they had came a repossessed the vehicle without validating that I infact owe them.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

I was scammed on XXXX by using XXXX with Chase Bank. I did not realize XXXX did not have buyer protection at the time of purchase. It was unclear how unsafe XXXX is for money transfers to buy goods. Chase does not make it clear that XXXX should not be used for goods and services. I ultimately lost {$100.00} I can not get back.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (AZ)

I received an email from Net Spend indicating that a card & materials were returned to them and they needed an updated address. I never applied to this card. I called to get all my information removed and cancel the account/card. The rep would not give me any information but stated that the account would be closed. Someone opened this account fraudulently. I need confirmation it was closed and the details.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (PA)

Since XXXX, I use the services of Wise.com ( formerly Transferwise ) for US to Europe and EU to US money transfers in EUR or USD. 
On XX/XX/XXXX, I transferred XXXX $ to my Wise account from my account at XXXX  XXXX XXXX. 
Wise.com recorded the incoming transfer from XXXX on their corporate XXXX XXXX account on XX/XX/XXXX and notified me that my money can not be sent to my XXXX  XXXX account under the pretext of missing information concerning my account name, number and wire transfer details at XXXX  XXXX XXXX ( the bank they got the money from ). 

I submitted comprehensive information about my XXXX  XXXX XXXX account, name, account details - despite that, Wise.com did not credit my account with the XXXX , but went silent and kept the transfer on hold. I called their service center three times on XX/XX/XXXX and XXXX, and although the call center agents said the information was comprehensive, the money was not credited to my balance. They had no explanation why Wise does not process the information I submitted, held back the transfer, or even credited it to my account. The XXXX $ is inaccessible to me. 
I assume Wise uses the collection of more information as a tool to prolong transfers in the interest of cash management. A transfer that normally takes 2-3 business days has been put on hold for several days without proper explanation. 
I would like to request the CFPB to investigate the deterioration of customer service at Wise.com. As I write this, nobody at Wise.com could so far explain why the XXXX $ are not credited to my account balance.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services (MT)

Received collection invoice from Rocky Mountain Professional Solutions XX/XX/XXXX I sent a registered letter requesting verification of the debt ( see letter ) dated XX/XX/XXXX On XX/XX/XXXX I received a response to my letter with billing copies but no proof of the debt as requested. I sent another registered letter XX/XX/XXXX ( see letter ) requesting again the actual proof of this debt being mine. They sent me another letter dated XX/XX/XXXX ( see letter ) with the same billing pages, but no verification of the debt being mine, as requested. 

On XX/XX/XXXX I sent another registered letter to them about their requirement within the law to provide proof of a debt being mine ( see letter ). on XX/XX/XXXX I received a registered letter and had to sign for that letter with the XXXX, in that letter they stated they did provide me validation of the debts. They just keep sending me the same pages of billing statements with no actual verification of the debt. This collection agency is clearly not complying with their responsibility under the law after repeated attempts and should cease & desist trying to purse this collection.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My complaint is that the account is reported as {$760.00} dollars past due however i have paid this debt and they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. This account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time. I have paid and attached a picture for you to see that XXXX, XXXX  are reporting correctly but XXXX  continues to show a balance that should not be there.
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (OK)

I became XXXX in XXXX. My original lender was XXXX XXXX Due to my XXXX I recieved lower monthly payments. My mortgage was transfered without my knowledge to Fay servicing in XXXX. I continued making the lower monthly payment amount on time to Fay servicing. On XX/XX/XXXX I recieved a notice in the mail from Fay sevicing stating that my loan will mature XXXX XXXX. I had no idea of this. I called Fay servicing seeking some type of assistance with this XXXX XXXXumbo payment, which is now due XX/XX/XXXX. I recieved paperwork dated XX/XX/XXXX to complete a loan modification paperwork along with a hardship letter, XXXX XXXX. It was denied on XXXX XXXX because the invester did not participate in this program. I recieved paperwork dated XXXX XXXX to complete a loan maturity Extension application. I completed the maturity Extension application and fax it to Fay servicing on XXXX XXXX Fay servicing denied receipt of this application and a second Loan maturity Extension application was faxed and emailed on XXXX XXXX. I recieved verbal comfirmation from Ms XXXX, she went on to say the Loan Application was sent to me in Error. This is why I would like to file a complaint with your office. She was unable to tell me why it was sent in Error and there was no supervisor or manager available to help me understand this. I asked Ms XXXX if she could transfer me to XXXX XXXX, Vice President of Fay servicing, after a few moments she returned to the call stating that MrXXXX was not available. I would like Fay servicing to stop giving me the run around and honor the Maturity Extension. 
Your immediate attention to this matter is greatly appreciated Thanks XXXX XXXX
Consumer complaint received 2022-01-21
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. (MD)

My car loan stopped reporting in XXXX of XXXX after filing bankruptcy chapter XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting XXXX XXXX since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. XXXX XXXX assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and TransUnion every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXXXXXX XXXX says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with XXXX XXXX and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.
Consumer complaint received 2022-01-21
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (IL)

I am working with XXXX and XXXX to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from Wells Fargo in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through XXXX and XXXX throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from Wells Fargo to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.
Consumer complaint received 2022-10-12
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I XXXX  this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 an individual went to the Home Depot store in XXXX XXXX Georgia and charged {$1800.00} on my account. After several attempt to have the store remedy the situation they still insisted that I am responsible to pay these bills. I have paid some of these bills and is due a refund. Based on my calculation I have overpaid {$360.00} on the account. They have reported me to the credit reporting agencies which has been causing me a lot of stress. I can not do any thing that requires a credit score and this is very distressing because I paid my bill on time. Since this time they issued me Two new cards plus my original card adding up to 3 cards. My Question to Home Depot is Why did they issue me " 3 new cards ''
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/19, I received an alert from my credit card ( capital One ) asking if I had made the following transactions. At a XXXX XXXX XXXX # XXXX for ( 2 ) purchases of {$310.00} each, and another XXXX XXXX XXXX # XXXX, in the amount of {$500.00}. I answered the text " NO ''. Then on XX/XX/19 I noticed that these charges were put on my credit card account, I called Capital One and asked why, they said that the merchant had requested payment for these charges. I asked Capital One to dispute them, and still the charges remain on my account. I received a letter from Capital One, saying that the investigation of the fraud had been resolved, I have attached a copy of this letter from Capital One. I also am attaching the charges that were posted to my Capital One account. I dont ' understand why Capital One pursues me to pay for these charges, I was not the one that made the purchases, on XX/XX/19. And this credit card has not been used by me to purchase at XXXX XXXX, I actually use another card from another bank, for those purchases. I would appreciate your office looking into this, and see if it can be resolved.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (NJ)

Hello I am writing you to ask your help in a SBA PPP loan related matter, for which I have no other recourse but to write to several government agencies, yours not the least. I have a {$40000.00} PPP loan with PNC bank, but they have taken it upon themselves to renege on the original agreement, which was that if I used more than 75 % of the loan towards payroll related expenses that the loan would be 100 % forgiveable. They are now asking for {$17000.00} of this loan to be paid back to them, even though I have complied fully with the original terms. This is a breach of contract and an insult, that the bank should want a cut of the money given by the Government of the United States to the people, for the express purpose of keeping businesses hurt by the COVID pandemic, and not for enriching bankers who are now setting up interest bearing loans that we have to pay back. I have written the SBA, who says they have not yet set up an appeal process for cases such as this, but they say an appeal process is pending. I can not wait for this machinery to be in place ; I must act now before the bank demands its money bank on its usurious and illegal terms. I am also writing the Attorney General of the State of New Jersey, the Dept of Consumer Affairs, and any other agency that might be able to assist beleagured PPP loan recipients like myself. I would be more than happy to supply every documentation that I have regarding this, which is comprehensive, to you if you need it to investigate, which I am hopeful that you will do. Please contact me back at XXXX, that is to say in electronic writing. I do not think banks should push people like me around, a small business owner in the XXXX  field ( XXXX  office ) who provided XXXX  care and XXXX  health services throughout the covid period, assuming personal and business risk to do so, and for whom this money was meant for, not the banks to enrich themselves. If you could please respond with any help at all, I would be most grateful. Thank you - XXXX XXXX, MD, XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ XXXX, tel ( XXXX  ) XXXX, cell ( XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

I am contacted by Mitchell D. Bluhm & Associates law firm. For the third time. The first time was approximately 2018 when I made 2 payments of {$33.00} each. My bank refunded that to me. I did not owe them and the bill was medical and they confirmed they only work with one collection agency not the law firm. Now they're contacting me again for an amount that has been paid to XXXX XXXX billing in the amount of {$380.00}.
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. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (SC)

This is the THIRD time I have attempted to resolve this issue with Comenity Bank/Ny & Co and now this company is AGAIN reporting this account as a charge off. The original complaint I submitted to the CFPB is XXXX and will be attached for your review. I received a credit alert yesterday and this error decreased my credit score by XXXX points. If Ny & Co can't get this corrected, please remove this tradeline from my credit report as it is damaging and preventing me from qualifying for future credit.