davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (MD)

I opened my XXXX account on XX/XX/2015 and was able to connect my first, original PNC account just fine. For the past two (  maybe three ) years, I wanted to close my XXXX  account, but I am unable to connect my XXXX account with my new PNC account. 

I just want to withdraw my money from my XXXX account!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is a complaint against XXXX. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from XXXX to XXXX. I received 2 letters from XXXX ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted XXXX upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in ONE DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
XXXXThe U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/ XXXX XXXX This report made by XXXX to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (PA)

This was a five-year loan that has come to an end. I am XXXX as a senior citizen and must have missed five payments during the five-year loan. I tried to pay but they refuse to allow me within my portal and talking about repossessing my car for {$700.00} due. Instead of allowing me to pay they simply say call. I do not trust them for an over the phone conversation. I fail to see why I can not pay using my company provided portal. Part of the problem in the past was this portal. This is harassment and I have all the emails including pages of them telling me I was aware of this five years ago when I signed the contract. I am XXXX XXXX XXXX ; I can't remember what I did last week,
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, Equifax, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, Teletrack, and XXXX ( XXXX  and XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (PA)

XXXX XXXX in regards to account number XXXX. Gave a response to a complaint ( CFPB Number : XXXX ). The issue with the response is it does not address the issue it simply deflects it. The agreement worked out was payment would be made on the account in exchange for the trade line to be removed in full. Theyre recorded phone conversations where the promise was made. Payment was made per XXXX terms and copies of the check emailed with tracking and the check itself being certified and overnighted to XXXX. A month has now passed and they come back stating that the tradeline will stay and should remain on my credit for the co signed account. It appears they scammed me out of the payment and didnt keep up their end of the agreement. 

I demand that CFPB help me with having the trade line removed. My next step will be to file suit in my local court for the fraud ally committed were not honoring the agreement they worked out
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I recived an email from my school regaridn a work form home oppturnity. I sent an email to it and shortly after i recived a text message from this guy name XXXX XXXX XXXX. He told me this was a work from home oppturnity and i would need to be his personql assistant. He sent me a checkfor XXXX and to depaoit it into my bank acocunt. After i did that he told me to trandfer those funds via XXXX to other XXXX  for work related stuff. I sent him that moneg back. Then i found out that my citibank account was blocked becuasr this was a fruadlent check and i was a victim of scamm and fraud. My citibnak account was closed and my own money was. Taken from me. Citibank told me to file police report which i will be doing shortly and report this fruad. I need my Citibank account opened and i need my money. Please help i have all the evidences. The text messages the emails. Citibank is telling me that my acocunt wont be opened and my own money XXXX wont be given back. Please help me
Consumer complaint received 2021-10-26
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: JPMORGAN CHASE & CO. (WA)

I never opened this account and this is not mine. I have reached out to the creditor and the bureaus to remove this account from my report. XXXX & XXXX is no longer reporting this however XXXX is still reporting this and it is severely affecting my scores.
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Wave Financial USA Inc. ()

Please, I am XXXX XXXX from XXXX, Firstly, I did Registered to Opened Online Account to that Company Call, XXXX : ( XXXX ) for Some Weeks ago and Again, Created Some Companies Invoices Receipts Retainers to that Company, But that Company had Refused to Processed my Payment Claims Transfer for me to my VISA CARD or BANK ACCOUNT, Up till now, So I want your Company to help me and Use my Details to Check from that Online Company : ( XXXX  ) and Process to Recover all my Past Invoices Receipts Payment for me to my Visa Card or Bank Account now and Send me the Payment Transactions Transfer Receipt by My Email now, So I am waiting for Reply now
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I ordered my annual free report from " ChecxSystems '' Consumer Relations located at XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX and received it Saturday XX/XX/2018 in there it has variations of my First Name, Middle initial, and Last Name. There were 3 variations of my current address. I Called this morning XX/XX/2018 to ask the Rep. if he can consolidate my Name variations and address variations and he said " I apologize but I can not do that '' I asked him to check the manual or with the manager, since in the past I would make corrections on the " Big 3 '' credit reporting agencies and had relatively no problem fixing up and consolidating variations, but he was unwilling to help in this matter. This is why I am opening this complaint since I do not believe that corrections and consolidations can not be made. 

Letter is by me should, and I will upload it when asked. 

Thanks
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

Been paying double amount due XX/XX/2018 due to problems obtaining insurance. Ditech has been charging us almost {$400.00} a month for insurance alone and also If my calculations are correct we have paid way more interest than the 9.25 % that it is supposed to be.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

- Opened my Chase checking account on XX/XX/XXXX to receive a promotion going on at the time. Advertised {$300.00} for opening an account with Direct Deposit. 

XXXX XX/XX/XXXX I noticed the bonus hadn't posted yet so I called. They told me there was nothing they could do. My wife then called with me again later that same day, this time they told me they would open a case and call me back in 3 days. 4 days later no call, so I call them again on XX/XX/XXXX. They then tell me I need to go into a branch. 

-I go to a branch on XX/XX/XXXX they completely understood my situation and said they would call me back. 

XXXX XXXX the lady from the branch calls me and says there is nothing they can do even though I met the promotion qualifications because its past 21 days.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

OnXX/XX/XXXX, I applied for a balance transfer with AMERICAN EXPRESS. OnXX/XX/XXXX a balance transfer in the amount of {$3900.00} + {$110.00} which is 3 % of the balance. The terms are 15 months NO interest. I have been making ON TIME payments for XXXX,XX/XX/XXXX & XX/XX/XXXX With NO additional useage of card, but being charged " finance fee '' each month. I have called each month with NO resolution. They correct for the previous month and it happens AGAIN the following month this has become quite FUSTRATING! The attached statement balance should be {$3100.00} as you can see it ISNT!
Consumer complaint received 2019-08-22
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. (FL)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2023-02-24
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

On XXXX I had customers pay through my website using the PayPal option. This was the first time I had ever used a PayPal business account. PayPal immediately froze and suspended my business account. PayPal could not tell me why this happened after I asked for a review. PayPal banned me for life, and they are holding my money for 6 months. I did nothing wrong and they will not give me my money.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (FL)

Mariner Finance is showing a collection debt of {$720.00} which is for an original creditor of Regency Finance Company. The original debt was covered by insurance and is no longer owed due to insurance claim filed because of permanent XXXX. Paperwork showing evidence of permanent XXXX has been provided to Regency Finance/Mariner Finance on numerous occasions and Regency Finance/Mariner Finance has advised that this account is closed and debt is no longer owed.
Consumer complaint received 2021-10-26
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. (NY)

Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX XXXX I mailed out a 0 % interest check from XXXX   XXXX XXXX to TD Bank in the amount of {$9000.00} to be applied to our equity loan to help pay it down at a lower interest rate. When I received my statement from TD Bank the {$9000.00} had not been deducted from the balance. So I called them to ask why and they said They never received it. I then went to XXXX  XXXX XXXX in my home town of XXXX Ma and they were able to fax me over a copy of the check front and back. The check was made out to TD Bank and had my account # on it. On the back of the check it was signed by XXXX XXXX. I spell my name with a phen not ven and the check was made out to TD Bank, no one but TD Bank should have been allowed to cash it. There seems to be no paper trail of any kind. The information on the back of the check looks like it was smeared and can not read it at all, but the signature XXXX XXXX is very clear. I am XXXX XXXX but that is not my signature. XXXX XXXX XXXX opened a fraud case on XX/XX/XXXX and closed it on XX/XX/XXXX saying " Based on your account history, this charge is consistent with previous charges with this merchant. '' I went right down XXXX XXXX XXXXXXXX and they called their fraud dept and explained and they reopened the fraud case. On XXXX XXXX I received a notice they were closing the case. now I am responsible for paying the TD Bank loan for {$9000.00} as well as {$9000.00} to XXXX XXXX  XXXX. I Then Called XXXX XXXX XXXXXXXX and spoke to a representative who help me to take advantage of their 0 % interest check the only difference this time is they sent it out to TD Bank. I gave them the account # and address and I was very worried about doing this but that's why I had them send it out they sent it out on XX/XX/XXXX and TD Bank still hadn't received it on XX/XX/XXXX so they set up another fraud case to investigate. It was finally Cashed on XX/XX/XXXX and XXXX XXXX got TD Bank to remove the charge off of my TD Bank equity loan but XXXX XXXX sent me out a letter XXXX! XXXX asking me to contact TD Bank to set up a payment research case and to provide to them the proof of payment to assist in their research. I Truly believe someone from TD Bank is doing this. What is the likelihood of two checks going it to fraud and no one can figure out where the {$9000.00} dollars went. and no one but TD Bank should have been able to cash that check. Someone from the inside who knows the system must be responsible. Please help me I have been trying to get help and no one seems to be able to.
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

XX/XX/XXXX loan transferred from XXXX XXXX XXXX. We were current with no late fees or fees of any kind on the account, have statements to prove it. 

XX/XX/XXXX received 1st statement from BAC homeloans stating we owed XXXX additional fees from previous servicer. There was NO nexplanation of what these fees were for, was not able to get any information at all what these fees were for and what generated them. 

XX/XX/XXXX call to make the monthly mortgage payment, was told we were behind in the mortgage payment and didn't allow me to speak to anyone until I made the past due balance from XXXX. Mindyou, the account WAS transferred in XXXX and there was NO record of us any longer with Shellpoint and no record at BAC so I could NOT make my payment on time. 

XX/XX/XXXX, " corporate advance fees '' is what I was told were added and disputed to have these removed which will take 15 days, reference number XXXX. 

XX/XX/XXXX, received XXXX statement with the " corporate fees '' still showing, was never dealth with from previous call in early XXXX. 

Many years ago, after the countrywide scandal and bank of America received a government bailout, we were supposed to be included in the Bank of America Debt Settlement Program. This was supposed to be paid to millions of home owners. This was then hushed away, the phone number disconnected and I could not get any further information about this program. Millions lost their homes. 

XXXX I requested documents of the Debt Settlement Program, have been stonewalled, dismissed whenever I asked about it. 

I also asked to physically " SEE '' an original, unaltered Deed of Trust to be provided to me, with a member of Bank of America, the XXXX XXXX XXXX  XXXX ( trustee ) and to meet me with this original Deed of Trust. My requests were dismissed, I was given the runaround, was told XXXX  XXXX didn't house this, BAC did and BAC said they only had a copy. 

XX/XX/XXXX, Was just told today, BAC only has copies of the Deed of Trust. 

I have previously complained to the CFPB about Bank of America, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX these records should be on file for further reference regarding the shady banking practices, excessive, unexplained fees.
Consumer complaint received 2018-02-05
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: Bread Financial Holdings, Inc. (NC)

Three ( 3 ) returns are in the " back office '' of PayPal for review. Two of the returns have been received by the seller and the other one is in my possession but not true to size. It takes months for the so called " back office '' to review and refund the money back on my PayPal Credit account. Also it takes 2 weeks before PayPal will note a payment that is sent via USPS.

I was advised by a PayPal representative differently. I was told that when the merchant received the merchandise back, the refund would be placed on my account. This is not true.

It takes months for PayPal to refund credits on a PayPal Credit account even though the merchant has received the merchandise back.

PayPal is horrible and takes forever to make refunds and then it takes two weeks for the refund to properly register on the account.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had a XXXX card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XX/XX/XXXX. I just want it settled and updated for XX/XX/XXXX that I do not owe anything since It was settled between myself and customer service.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Hello Ive been having someone trying to open accounts under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX documents below includes the following. Thanks
Consumer complaint received 2021-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Good Evening XXXX Mgr ; XXXXExperian and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this XXXX account # XXXX Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.