davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

PayPal case ID for this reason is XXXX PayPal has put an illegal hold on {$290.00} in my account and refuses to allow me to withdraw my money. 
This issue has already been ongoing since XXXX XXXX or so of 2015. 
I am a XXXX XXXX XXXX, and I made a payment to elance.com website for a service. Within my own paypal account, my friend and I added her credit card to the account a few months prior so we could order a new cell phone replacement screen on Ebay. Her card was not the " PRIMARY '' card on the account, my own was. So when I placed a {$290.00} payment to elance.com, paypal used my friends credit card instead of the available XXXX in my bank account. Which was their mistake and problem they caused for my friends bank who put her into a negative balance and then charged her {$33.00} for every few days the issue went on. PayPal refused to " refund '' the friends card, and debit my account. Claiming that I had to pay that person myself, with cash. So I did so just so the friend was not out {$320.00} and was charged another overdraft fee. 
XXXX later refunded my payment, which is the natural course of action when the other party does not pay for their cost of the arbitration filing. So now that my XXXX was refunded to paypal, paypal locked my account and refuses to allow me to remove my funds. 

Aside from filing a law suit in court, I am going to try this fist. 
If this issue is not resolved in 1 week, I will also be filing that suit in my local court forcing them to A ) pay to defend and B ) cost them more money when I win the judgement + court costs.
Consumer complaint received 2016-09-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America is reporting late payments on my account to the credit bureau. The first late payment was in XXXX XXXX, it is XXXX XXXX, XXXX and they should be removed. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/2018 this collection account was paid by XXXX XXXX has still been reporting as an open collection account on my Equifax report. I would like to know why this account is still reporting open when it is closed on my other two reports. Please investigate this matter I have tried several times reaching out to XXXX XXXX with no response.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

ON THE ADVICE OF MY ATTORNEY, I AM FILING ANOTHER COMPLAINT REGARDING THE SERVICING OF MY LOAN. IT APPEARS THAT SPSERVICING IS STATING THAT I DID NOT MAKE MY XXXX PAYMENT, HOWEVER ON XX/XX/XXXX THEY RESPONDED TO YOU THAT MY LOAN WAS CURRENT AND ONLY DUE FOR THE XX/XX/XXXX PAYMENT. THEY ALSO CLAIMED THAT THEY WOULD FIX MY CREDIT AND ALSO APOLOGIZED FOR ANY INCONVIENCE THEY CAUSED ME IN THE YEAR OF XXXX. HERE I AM AGAIN TRYING TO GET SOME HELP TO GET MY MORTGAGE AND CREDIT FIXED. WHEN I CALL, I AM TOLD THAT MY XX/XX/XXXX PAYMENT WAS NOT MADE. I WAS ALSO TOLD THAT SPSERVICING HAS BEEN REPORTING ME A ROLLING 30 DAY LATE ON MY CREDIT REPORT. I AM ALSO FILING A WRITTEN COMPLAINT AND SENDING IT DIRECT TO MY HUD OFFICE. I HAVE NUMEROUS COMPLAINTS ON FILE AGAINST THIS SERVICER. I AM ATTACHING PROOF THAT MY XX/XX/XXXX PAYMENT HAS BEEN MADE AND THAT MY XX/XX/XXXX PAYMENT HAS ALSO BEEN MADE. PLEASE REFERENCE XXXX TO BETTER UNDERSTAND WHY I AM FILING THIS COMPLAINT.
Consumer complaint received 2015-04-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (NC)

Caliber Home Loans bought my mortgage XX/XX/XXXX. I had relocated and listed the home on XX/XX/XXXX in a short sale with XXXX. Caliber sent a deputy sheriff to my new apartment and served foreclosure papers to me XX/XX/XXXX. XXXX later, XX/XX/XXXX, XXXX and XXXX sent a letter to me cancelling the foreclosure hearing of XX/XX/XXXX. How do I find out what is going on? This worries me because no one will tell me why the hearing was even scheduled and now why XXXX has been cancelled. Property address is XXXX nc XXXX
Consumer complaint received 2023-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

I receive calls at least XXXX times a week multiple times a day about the loans the times I have asked for information in writing all I get i request in the mail for me to call them. I have requested information about the loan in the form a of a statement and I get nothing. My loans were consolidated and I haven't heard anything from them for over XXXX years.
Consumer complaint received 2016-09-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has been running my credit report multiple times over the last year and now I am being denied credit because I have too many inquiries in my report. I never requested or consented for the bank to check my credit report except at the time of opening the account and today when credit was denied based on their own inquires.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

disputed Information that does not belong to me and it still is showing on my report. My identity had to be stolen because there are multiple addresses that are not mine and info that is not mine showing on my report. I sent information a month ago only to still be dealing with fraud furnished on my report. they are breaking FCRA laws!
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing has violated 12 CFR 226.13, FDCPA, 15 USC 1635, TILA Rescission served upon them timely. Ocwen after being served notice of Rescission, TILA in Rescission and Billing Error Notice, alleges to have sold the loan to another debt collector without providing any disclosures in compliance with federal law. Ocwen also was served IRS Forms XXXX XXXX & XXXX and thus failed to take the necessary action. Ocwen reported adverse action credit reporting agencies in violation of 226.13 ( d ) ( 1 ) 12 CFR 226.23.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am writing to assert my rights as a consumer regarding inaccuracies on my credit report, which I believe violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 sections 602 and 604 ( a ), as well as the Fair Credit Billing Act ( FCBA ) under 15 USC 1666B.

Per 15 USC 1681 section 602, I have the right to request the disclosure of my credit report and any information contained therein. Despite exercising this right, I have discovered inaccuracies on my credit report that are adversely impacting my creditworthiness and financial well-being.

Moreover, under 15 USC 1681 section 604 ( a ), I am entitled to accurate and complete reporting by consumer reporting agencies. However, the inaccurate information
on my credit report provided by [ Name of Creditor/Collection Agency ] has not been rectified, despite my efforts to dispute the entries. This failure to ensure the accuracy of the information being reported has resulted in unjust consequences for me as a consumer.

Furthermore, pursuant to 15 USC 1666B, I am entitled to fair and accurate billing practices. The erroneous reporting by [ Name of Creditor/Collection Agency ] has not only damaged my credit score but has also led to unwarranted financial repercussions due to the misinformation provided.

I urge the Consumer Financial Protection Bureau to initiate an investigation into this matter and take appropriate action to enforce my rights under the FCRA and FCBA. Specifically, I request that [ Name of Creditor/Collection Agency ] be compelled to correct the inaccuracies on my credit report and refrain from further violations of federal consumer protection laws.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I scheduled my XXXX mortgage payment on XXXX XXXX, 2015. The system then said that my next payment due was XXXX XXXX, 2015. I knew this was an error because I only scheduled XXXX payment for XXXX which would make the next payment due on XXXX XXXX, 2015. I informed Ocwen of this error and told them that I would stop payment on those XXXX errors and would reschedule another payment from my other checking account. I scheduled the payment from my other checking acct on XXXX/XXXX/2015 which cleared my bank on XXXX/XXXX/2015. Then, on XXXX/XXXX/2015 another mortgage payment debited my XXXX checking account which was unauthorized. I informed Ocwen there must be a glitch in their bill pay system because they were taking XXXX payments each time when only XXXX was scheduled. XXXX XXXX XXXX was able to retreive the extra payment from Ocwen that was made on XXXX/XXXX/2015. Ocwen is now saying that I have not paid for XXXX and had returned checks for XXXX after showing proof form the bank that they made extra unauthorized debits and proof that the XXXX XXXX payment I authorized posted and cleared. After XXXX letters, XXXX calls from the Bank and they will not fix my account. They even sent me a check in error and told me to deposit it then they would credit my account. Well, that check was no good from them and they charged me for it after they told me to deposit it on XXXX/XXXX/2015. Today is XXXX/XXXX/2015 and this error began on XXXX/XXXX/2015 and nothing has been done, even after contacting their ombudsman. My bank tried to talk to them but they would n't talk to them because the call was being recorded. I have never been late with my mortgage payments and I do n't appreciate being treated this way. Something is shady about Ocwen because all of a sudden my mortgage payments increased due to escrow which they are now taking $ XXXX yearly over the amounts of my property taxes and home owners insurance. Then, this fiasco with XXXX debits happened just two months later. Ocwen Loan Serving needs to be investigated. There us something REAL shady going on with this company.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have a Home Equity Line of Credit with XXXX XXXX XXXX. This loan is for {$50000.00} and I have used {$47000.00}. The loan was to renovate and upgrade a home I purchased that was built in 1973. The home is collateral on this loan. My credit score dropped dramatically. After investigating it was determined that this Home Equity Line of Credit loan is being calculated in with Retail Revolving Accounts and has thrown my debt ratio above 30 %. That is having a detrimental effect on my XXXXedit score which has dropped more than 50 points. XXXX and XXXX are not doing this ( I don't think ). I have had this type of loan before and it was handled as a home mortgage account. Especially since my home is collateral for the loan and I use the interest, etc. as a tax deduction. This is not a credit card or revolving credit account. It is, however, a home mortgage account and needs to be treated as such or this will fall out of favor with consumers very quickly. The credit bureau is telling me that I have to refinance my mortgage loans to fix this. That is considerable cost as interest rates are high at the moment and refinancing one or both of my mortgage loans will result in excess of {$10000.00} in closing costs.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (AZ)

In 2012 my wife signed up for a Nordstrom Visa, I did not apply. A few weeks later, we both received a credit card, though I was not listed to get one. I noticed a year or so later that Nordstroms Visa was showing up on my personal credit bureau. I do not know how they got my social security #. I called to cancel the card today and was told that I am not able to cancel the card. To clarify, I was not calling to cancel my wife 's account. This was strictly to cancel the account Nordstrom set up for me without my consent. According to the representative, only my wife can cancel the card that is issued to me and is showing up on my credit. I am not able to do so. How is it my wife has more authority over my personal credit than I do? Look, if Nordstrom issued me a card on my wife 's account and it was not tied to my credit then I get it, its up to her to cancel. But, since Nordstrom has put this on my personal credit bureau, it is now up to me. I do not understand how Nordstrom can keep a credit card active ( that has a XXXX balance and is rarely used ) for a customer who requests it be canceled. Please help me here. Thank you.
Consumer complaint received 2024-05-09
Product: Credit card — Store credit 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: Paypal Holdings, Inc (TX)

On XX/XX/2024, in reviewing my Bank account, there was a charge for XXXX with my debit card. XXXX preferred payments is PayPal XXXX XXXX and not my Debit Card. PayPal made a decision regarding defective/damaged items chemically treated which made it unwearable. PayPal XXXX XXXX collect funds for certain companies and collect addition funds to process in their favor.
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (IL)

National Credit Systems ( " NCS '' ) sent me a letter stating that I owe XXXX dollars for Carpet damage and cleaning for " XXXXXXXX XXXX ''. This charge is from XXXXXXXX XXXX where I terminated my lease paying all outstanging rents. They are stating that these charges are cleaning and carpet replacement. 

I took pictures of all the rooms before I vacated the apartment, and I can say for sure there was only regular usage wear and tears/Stains and nothing else.. I also see that XXXX has charged XXXX Dollars as cleaning fee and remaing for carpet replacement. I left the place as clean as possible, cleaning it very thoroughly and then vacuuming every room. 

I updated all the pictures of the rooms to National Credit Systems " NCS '' and also uploaded a statement disputing the charges. They said they are starting a investigation and they did not provide any updates. And instead of negotiating on the disputed amount, They directly reported to credit reporting agency thus drastically negetavely impacting my credid score.
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc. (NE)

Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.
Consumer complaint received 2015-08-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

The colossal stupidity and incompetence at the XXXX XXXX XXXX branch of TD Bank is unparalleled and has reach dizzying heights of monumental XXXX. They once again failed to wire transfer {$4600.00} to the correct party yesterday and on top of that, no one called to let me know even though they have my cellphone number on the account. In other words they let a whole day go today and when I could have fixed it they failed/refused to even let me know about it. This is the third time they have done this in 6 months, amongst other major training problems with their XXXX staff. In the past they have arbitrarily blocked my ATM card from making routine mundane charges for " fraud protection, '' refused to credit me when I purchased electronic goods that did not work and were defective, and opened up a Lawyer Escrow account as a regular checking account. The manager at this branch needs to be re-trained if not fired for incredibly stupidity and XXXX training of her staff, which appears to have a turnover rate of new employees every few weeks. Not only that but they allow accounts to go negative and bounce checks without notifying you so that they can clandestinely collect a fortune in fees. Please urgently assist.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MA)

I have continuously disputed the XXXX account on my credit file. I know i have disputed it with Equifax in the past and it is in current dispute with XXXX. I noticed on my credit report that the acount was removed, and then it was reinserted. I believe under the fair consumer act Equifax is required to notify me no more than 5 days after an account has been reinserted. I believe I have rights here that have been violated-on top of my dispute with fedloan. I believe that equifax has an obligation to remove the account from the file or they can fax legal charges.
Consumer complaint received 2015-06-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This complain is about Portfolio Recovery Associates Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XX/XX/XXXX this account is schedule to continue on record until XX/XX/XXXX as of XX/XX/XXXX it was not on XXXX no more making the Date of 1st Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of 1st Date of Delinquency ) On XX/XX/XXXX Portofolio reports to XXXX 1st Date of Delinquency as XX/XX/XXXX. As of XX/XX/XXXX its reports to Equifax 1st Date of Delinquency XX/XX/XXXX. As of XX/XX/XXXX XXXX Deleted it after finding inaccuracies on Dates of 1st Delinquency reported. Portfolio still reporting to XXXX I am currently disputing it with XXXX.
Consumer complaint received 2016-02-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

I was attempting to settle a debt with Smith Debnam. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about XXXX weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called Smith Debnam to get a payoff. Smith Debnam then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.
Consumer complaint received 2015-04-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (GA)

In XXXX 2013, I was unable to pay the mortgage. I had a bad renter that I had to evict, and the situation drained our savings to keep paying the mortgage. We have XXXX small children, and we ca n't choose Chase over our children. I called Chase Bank to let them know the situation and to see if I could make a few smaller payments to get caught up again. I had also called them prior to the missed payment letting them know I may not be able to pay if we could n't get a renter in place in time. They said they could n't help unless I was 90 days late and would n't even talk to me about any options. After I missed the XXXX payment, I hired an attorney to help. At this point, Chase told us that they would not issue any late fees or report any late payments to the credit agencies. They honored that for a few months, then the late fees started and so did the reporting to the credit agencies. They keep reporting that I 'm 30 days late with each payment, but there has only been one month that I was late because I did n't have the money to pay it. I 'm not asking to have that payment forgiven, I just wanted to work out an option where I could afford to pay the late payment back over a few months. We were able to get a renter in place to cover the XXXX payment, and we have n't missed another payment since. 

I work at a financial institution, and these practices by Chases are putting my job in jeopardy. All I wanted was to be able to work out a small payment plan to get caught up, and now I may have to sue Chase in order to make them do what they said they would do, which is to waive the late fees and not report any late payments to the credit agencies. I have been fighting this battle for a year and a half because Chase continues to use bully tactics to bully customers in to doing things the way Chase wants them done, not the legal way to have them done. If I lose my job over Chase 's practices, I will take them to court and sue them over this. It seems that Chase would rather you miss XXXX payments in a row in order to start a foreclosure process. Seems like a way to make extra money by bullying customers in to foreclosure.
Consumer complaint received 2021-10-03
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: Santander Consumer USA Holdings Inc. (TX)

Santander continues to verify this account after they were instructed to remove it due to the multi state settlement agreement they entered into with the attorney generals office. 
I have submitted 4 disputes this year with XXXX and the latest dispute was again verified a few days ago. My account meets all legal the criteria. I continue to incur damages and was recently denied credit due to this matter. Additionally, Santander violated several other laws in which I will pursue legal action if this issue isnt immediately resolved.