davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

My boyfriend submitted Unauthorized transactions of money he sent to my account He wasnt approved for the refunds he received a email saying he wasnt approve and the case is closed on his end. But the case is still open on my account PayPal is charging my account for the transactions my bf submitted and it has my account with a negative balance but PayPal didnt approve the authorizated transaction for my bf second I sent my mom XXXX $ to her PayPal account on portions because PayPal wouldnt allow me to send it in a full amount soon has I sent it PayPal closed my account and my mothers account XXXX is her PayPal email for no reason 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 for months 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. My email linked to my PayPal is " XXXX XXXX
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be  possible.
Consumer complaint received 2018-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc. (IL)

I took out a loan from Tower Loan from a company who offered financing for furniture. I always speak with an employee named XXXX. I told her back in XX/XX/XXXX she could send the account to collections on MULTIPLE occasions, which she refuses to do so that the account continues to add interest. So out of fear of having a quadrupole balance I began to pay it down again. On XX/XX/XXXX, she called me at work ( and I have already asked on MULTIPLE occasions to NOT call me at work and the gentleman XXXX response was that my supervisor had to tell him, which is absolutely not the case in Illinois ) and told me I needed to make a payment. I told her I would make one on XX/XX/XXXX. She asked if the account would be paid in full and asked what the bakance would be and she replied {$190.00}. I said o.k. called today to pay the {$190.00} and she replied that the account balance is now {$210.00}. Late fees do apply, but she did not state that if it were paid on the XX/XX/XXXX what the actual balance would be. The late fee is {$10.00} a month so {$190.00} still makes no sense and attempting to speak with XXXX is impossible. She just yells and screams while making threats to take the furniture from my home all the while never listening to my concerns or questions. AVOID TOWER LOAN LIKE THE PLAGUE!!!!!
Consumer complaint received 2018-01-04
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. (CO)

A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XX/XX/XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX  XXXX , should not appear on my credit report. Starting in the spring of XX/XX/XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, TransUnion, and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX, and the hit to my credit was not removed.
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I first began my loan with XXXX XXXX in XX/XX/XXXX ; after which XXXX XXXX transferred my loan to Navient. My original loan was for {$20000.00} and each invoice generated by Navient note " Consolidated '' loan but they do not indicate more information such as the type of consolidated loan. 

After trying to contact Navient this year ( XX/XX/XXXX ) to inquire about my participation in the Loan Forgiveness Program, Navient told me that I could not participate unless I would switch to another federal consolidated program at a higher interest rate and make another 120 payments. As a loan provider, Navient did not take any steps to notify me of the type of loan would not qualify for the Loan Forgiveness Program. Every single statement I have from Navient has not indicated more than my loan was consolidated. Navient had 10 years to notify its consumers but chose not to. My current balance is {$11000.00} however total amount to be repaid is also noted as {$12000.00}. 

In XX/XX/XXXX, I contacted the U.S. Senator 's office to create a complaint and they advised to contact the Department of Education. Dept of Ed evaluated my complaint and then notified me to contact CFPB as a case had been opened against Navient.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Subject : Dispute Regarding Experian Reporting - Urgent Assistance Requested Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance with a pressing matter related to Experian 's reporting practices and the inaccurate information on my credit report. The situation is causing significant financial distress and requires immediate attention. 

According to XXXX, the relationship manager at XXXX XXXX XXXX XXXX XXXX  ), the account in question was not reported by XXXX and has not been reported since XX/XX/ XXXX Furthermore, she stated that after my husband filed for bankruptcy, XXXX placed the account in an inactive state in compliance with the notification of XXXX XXXX  bankruptcy. The inactive account was not to be reported after XX/XX/XXXX 

Given this information, I am puzzled as to how Experian obtained the account details if no other credit agency such as XXXX or XXXX has reported the same information. Experian claims that they rely on information provided by the creditor, in this case, XXXX. However, the contradictory statements from XXXX and the unavailability of verification from Experian are exacerbating my frustration. 

To address this issue, XXXX is currently preparing a document in writing confirming that they did not report the information currently reflected on my Experian credit report. I am hopeful that this documentation will support my dispute with Experian and rectify the adverse impact this situation has on my financial reputation. 

This oversight is also particularly frustrating as it inaccurately portrays my creditworthiness and has implications for my financial well-being. 

I kindly request your intervention in tracking down the sources of information transmitted to Experian regarding XXXX account and urge you to help me ensure the removal of any data that was not provided by the lender, XXXX XXXX XXXX. Your assistance in expediting this process is greatly appreciated, as the prolonged presence of these inaccuracies is causing significant strain on my financial situation. 

Thank you for your attention to this matter. I am confident that, with your assistance, we can rectify these credit reporting inaccuracies and restore the integrity of my financial profile.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX my XXXX  and I applied for a mortgage with Wells Fargo in XXXX, NJ. 
The bank provided us with the loan pre-approval letter. Our credit score are XXXX and XXXX respectively yet our loan application was denied. On XX/XX/XXXX we have received a denial letter. A few of the adverse decision factors were : level of delinquency on accounts ; to short time from the recent account opening ; to many credit inquires within the last XXXX  months. We have never had any delinquency. The XXXX out of XXXX credit inquires were by Wells Fargo, and all of our accounts were opened a long time ago and are in perfect standings. On XX/XX/XXXX we have closed the house purchase using our funds from the retirement account ( XXXX XXXX paying in cash. However, this will impact hugely our next year taxes as the money taken out of the XXXX  will be considered as a taxable amount. Our potential loss will be about $ XXXX to be paid in taxes as a lump sum as opposed to mortgage interest of the XXXX yrs fixed loan.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

This is my 2nd request I pulled my credit report and found I have several not even several lots of inquiries on my account that I never authorized. I contacted the credit bureau and they just looked at it and apparently just said she was buying a car so there hers. So I called to explain and they said I bought a car and they are connected to the same time frame I bought the car so they have to stay. I told them that I had a pre approval letter and I didnt authorize and they said I have to file complaint again. So will try this then I will file the police report if I cant get anywhere. Because my credit should have never been ran. Here are the ones in disputing I have XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Over 2 years ago I also had a preapproved letter from XXXX  XXXX and they did the same thing. I never knew it until I pulled my credit thought. I never authorized them to pull my credit I brought my letter from XXXX  XXXX down with me and showed it to them and told them so they would not have to run my credit a bunch of times.
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am trying to settle with my creditors instead of filing for bankruptcy. However, I am currently getting letters from collection agencies that claim they have purchased my debts. It is my understanding that if a debt was acquired I am entitled to obtain a letter of purchase from the debt buyer and a letter of sale from the original creditor. However, I must also obtain the transfer papers in true copy form to validate the sale of debt. Even though third-party ownership voids my rights under the Fair Debt Collection Practices Act since the Henson v. Santander Consumer Financial USA decision from the U.S. Supreme Court XX/XX/2017, I believe that until true valuation is proved that my request are reasonable. In addition, on all debts still not transferred by a debt buyer, I am interested in a reasonable settlement offer to see if my overall financial situation can avoid a chapter XXXX bankruptcy filing. Accordingly, I request an open dialogue to resolve all credit issues without a federal court dismissing my obligations. I request a reasonable settlement on all debts within 10-business days. 

XXXX XXXX
Consumer complaint received 2020-05-21
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CO)

On Thursday XX/XX/XXXX at approximately XXXX I went to my local XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX CO XXXX ), which has an ATM in an enclosed area attached to the bank. I made a {$100.00} withdrawal and remember fumbling with all of the cards in my XXXX XXXX wallet. I don't think I grabbed my money because when I got home I did not have it. I ran right back to the location, which is two blocks from my house and there was no money so I assumed the machine sucked the cash back in. I don't wear particularly baggy pants or shorts ever, so it falling out in the two blocks is very unlikely. I took out another {$100.00}. On Tuesday XX/XX/XXXX, I went to the branch and spoke with XXXX XXXX Sales and Service Manager. She initiated an internal dispute on the transaction and told me they would review the camera, the balance report from the ATM ( she said the ATM machine was separately owned ) and get back with me. I got a perplexing letter dated XX/XX/XXXX on the XX/XX/XXXX of that month stating that " no errors occurred with the transaction ''  and that the claim was being closed. I called customer service the next day for an explanation. I was bounced around several times between customer service and the fraud unit before I requested an escalation to a supervisor. XXXX employee # XXXX said she would correct the issue and ask the " ATM Regulation E Department '' to take another look. On XX/XX/XXXX, I received another letter stating that they got a duplicate request and would continue looking into the request. I called again on XX/XX/XXXX, to see what was going on and see if they were looking at it and if they needed anything from me. All they need to do is look at the camera and tell me if it was taken or sucked back in. If someone took it its my fault and the case is closed, but they will not tell me or give me anything. The last call on XX/XX/XXXX I asked for a supervisor callback and have received nothing. This is a customer service disaster on US Bank 's part, and I am beginning to think they stole the {$100.00} from me. CFPB please look into these unethical and illegal business practices.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX at XXXX someone spend {$1900.00} at 2 different XXXX one was declaine and the other was not. This was in a town about 1hrs from where I live, but that day I was working and I was on the other side of town about 2hrs from where this transactions took place at XXXX I try to put gas and my card did not work and then I started getting text messages saying to verify some of the purchases, with a yes if it had been me using my card or no if one or more transactions where not mine. I reply NO and called the fraud department, the lady that answer the phone said not to worry it was obvious that it was a fraud and that Ill get all my money back. I told her I need it that money back on my account because I had to close my house on XX/XX/XXXX. I got the money credit back to my account on the XX/XX/XXXX or XX/XX/XXXX then I got a letter saying that they had concluded the investigations and in their conclusion there was no fraud made in my account I called and had them re-open my account went and got a police report I called a few times to check on the status and all they said was we are working on it, till today XX/XX/XXXX i got an email saying they have concluded the investigation and I was still responsable for the {$950.00} of the transaction that was approved because apparently they had my card and my PIN number. I had never given my pin to anyone and I had the card with me all the time. This was with Bank of America I closed all my account with them already.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

Company failed to properly communicate my rights as well as the account information. They never validated debt after request. I never received written report that they had an account from them. They sent to an address that was incorrect and refuse to remove this off my credit. Once they got in contact with me, I asked for a debt validation which I never received and I attempted to settle this to not have it on my credit. After I paid it they then reported to the credit bureau. They also reported it incorrect. XXXX XXXX never gave them the proper address and I have been at the same address for years. I have been in litigation with XXXX XXXX about my account balance so I took this opportunity to just pay a settled amount prior to it going on my credit. These people are very rude and unprofessional.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NY)

I enrolled for a payment plan with discover after they failed to inform me that my payment was returned by a bank account that was close. The automatic payment that discover set up was XXXX dollars and the payment was made on XX/XX/XXXX,  which was the due date. Discover failed to mention that this payment plan would not cover the full past due balance. On XX/XX/XXXX they reported a 30 day late payment. When I signed up for the payment plan they did not mention anywhere on the plan that the past due balance would not be cover and that I would have to make an additional payment. If i was aware of this I would have made the full payment on my own. I signed up for the automatic payment so I would not have to worry about being unware of a late payment again. 
I called discover explaining this to them and they said there was nothing they could do. I even said that I would make the missing portion of the automatic payment now and they stillsaid that there was nothing that could be done about the inaccurate reporting. I am reporting in hopes that you can remove the 30 days late as I was clearly unaware that the automatic payment would not cover the full past due balance. 

XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX NY XXXX social security XXXX
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Danco Financial Services, LLC (GA)

XXXX XXXX is still being reported on my XXXX report it was opened in 2006 and I have requested for it to be removed and they have fail to remove it. XXXX XXXX XXXX XXXX XXXX Ga XXXX
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CO)

In answering complaint XXXX Wells Fargo wrote two letters dated XXXX XXXX, 2016. (Enclosures B & C to the answert of Wells Fargo to my request)Both letters misspell my name. One totally butchers my first name, the other my last name. Is this an indidcation on the thoroughness of Wells Fargo's work? In both letters Welss Fargo promisses to remove or reclassify the inquiries which were made about my credit report with XXXX, XXXX, XXXX, and XXXX.I just checked my XXXX credit report and none such action by Wells Fargo is reflected.
Consumer complaint received 2017-11-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

Refinanced a commercial loan and trying to pay off the current loan with the loan servicing company, XXXX XXXX XXXX. XXXX is requiring three to five days to determine the pay off amount which is costing me over {$110.00} per day. Their reasoning is that is takes them that long to review the loan documents. Why?
Consumer complaint received 2016-05-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (PA)

I really need help resolving the below issue. 
CPS finances a XXXX XXXX my wife I drive. 
I am a co-signer on a XXXX XXXX purchased in XXXX @ principal rate of {$12000.00} Our monthly note is {$320.00} My wife ( XXXX XXXX ) and I began payment of my car note of {$320.00} on time the moment the car left the lot. 
I took over full payments when my wife lost her job. Though I missed some payments down the line due to XXXX XXXX I incurred in XXXX, XXXX. 
I did not have a source of income at the time when I missed the payments. CPS is aware. 
I got right back on track and caught up with my arrears making the monthly dues but then I noticed my balance never seems to drop ( decrease ). Since XXXX, XXXX years later when the car is purchased at the rate of {$12000.00}, the balance of the XXXX XXXX is just at {$10000.00}. What is that!!!!! Could someone explain to me, please!! I do n't understand. 
I just noticed I have been paying a huge amount on interest every time I paid my monthly due of {$320.00}, and not much of a principal deposited on the car loan. 
Can you image, at some point out of the monthly due of {$320.00} I paid, CPS is only deducting {$70.00} as principal, and just assigning the balance of {$260.00} as interest. Something is not right here. CPS has, and keeps overcharging me blindly. Please help. 

Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A. (MN)

Messerli & Kramer has received several documents from me proving I am exempt from financial judgments & wage garnishments. I am exempt because I currently receive government assistance & have for several years. I received notice dated XXXX XXXX, XXXX a notice to appear in conciliation court on XXXX XXXX, XXXX. XXXX XXXX had hired Messerli & Kramer to obtain a judgement against me. This is a violation, as I have exempt wages in which XXXX XXXX XXXX has been made aware through supporting documents I had provided them.