davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, our checking account # XXXX was closed with no explanation or no noticed.The account was in both names XXXX and XXXX.with Bank of America.After numerous visits at headquarter without any resolutions.. I made many calls to the Compliance department, customer services via phone center and online Customer Resolutions department. and several phone calls to XXXX XXXX XXXX in Customer Resolution. XXXX XXXX last conversation XX/XX/XXXX stated he reseached and the accounts are closed, and restricted and he could not help me further. All phone calls were recorded and a paper trail exits in the Bank of America banking system.Each conversation was typed in their system. I have copies of typed on-line complaints I made to the Bank of America..We have XXXX children and in need of our money approximately over {$7000.00} as soon as possible.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (OH)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Equifax and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2016-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (CA)

I talked to someone on the phone named XXXX and was promised that they would remove the debt if the amount of {$340.00} was paid. I paid that amount and it 's still on my credit report.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IA)

Complaint Against PayPal for Holding Funds Despite No Chargeback Risk Date : XXXX Complaint Against : PayPal My PayPal account was permanently limited on XX/XX/XXXX, and funds are being withheld despite no risk of chargebacks or reversals. The funds originated from a cashed payroll check deposited through XXXX XXXX. While PayPal claims the limitation is due to having multiple accounts, I am not a seller and pose no risk of chargebacks. 
* On XX/XX/XXXX, I deposited a cashed payroll check with PayPal through XXXX XXXX. An attempt to withdraw the funds immediately resulted in an XXXX hold that ultimately failed. I contacted PayPal support for assistance. 
* On the same day ( XX/XX/XXXX ), my PayPal account was permanently limited. I contacted PayPal by phone, and an account review was initiated on XX/XX/XXXX. 
* On XX/XX/XXXX, I received information from PayPal stating that the account limitation was due to having multiple accounts. I have two PayPal accounts, one for personal use and another opened several years ago that I no longer use actively. However, I am not a seller and have never used either account for any commercial activity. Therefore, there is no risk of chargebacks or fraudulent activity. 
* I have made multiple attempts to resolve the issue with PayPal, expressing confusion about the hold and lack of chargeback risk. I also filed a complaint with the XXXX on XX/XX/XXXX. However, PayPal has maintained the limitation and restricted access to my funds. This has caused significant hardship, as I rely on these funds for essential expenses such as fuel for my vehicle to commute to work, groceries and household supplies, and bills including water, electricity, gas, and rent. 
Due to privacy restrictions within the PayPal app, I am unable to provide screenshots of their communication regarding the account limitation. However, I have attached redacted versions of the emails I sent to PayPal inquiring about the limitation and attempting to resolve the issue. These emails further detail the situation and my efforts to communicate with PayPal.
Consumer complaint received 2021-05-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

My Real estate county property taxes were due in XX/XX/2020. XXXX XXXX states they paid them {$2300.00} from my escrow account. I Received a call in XXXX from the assessor 's office stating they were never paid and now are delinquent.I call my mortgage company and they stated they would take care of it and they said they paid them {$2300.00}. Now the mortgage company is asking me to reimburse my escrow account for {$2500.00} for the shortage in my escrow account or my house payment will increase by {$210.00} per month. I can not afford this and I feel like someone is lying to me about the payment of my taxes and fraudulently taking the extra funds from my escrow account. Please help me so I do not lose my home.
Consumer complaint received 2018-05-31
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)

What is wrong with Experian, I provided a letter directly from XXXX XXXX regarding the XXXX XXXX account listed which is NOT mine and is fraud. Not only I have provided the letter to Experian as well as the other two agencies the other two agencies have already removed. Even XXXX XXXX XXXX has requested removal to Experian and here we are two almost three months later this account is still listed. This is my last attempt to correct this mistake, if it is not correct I have no choice to take further actions and get legal advice as this mistake is holding up a financial move costing me money and it is not my doing.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I sent a Request for Information under RESPA to XXXX, and to Specialized Loan Servicing , LLC. Neither XXXX nor Specialized Loan Servicing LLC responded to the actual Request for Information under RESPA. I hereby file a Notice of Error with these firms, and demand that they supply an answer to the RFI. There is some person named XXXX XXXX at XXXX XXXX whose inane letter states that my request is too broad ; it is not- my request is based upon RESPA , see my letter for the citation to United States Code. XXXX XXXX should be banned from the financial industry for his de facto abuse of a XXXX Veteran. 

Please stop any foreclosure while Specialized Loan Servicing LLC and XXXX XXXX respond to my demand for RFI. 
The above notwithstanding, I am applying for a modification.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (DE)

Roundpoint mortgage servicing company. Took.unathourized double payment for the month of XX/XX/ 2020. I was told by a supervisor that they put my money in principle payment which they then claim their system does not allow for reverse charges. This was quoted in presence of XXXX XXXX employees. The total amount taken from me is XXXX. I absolutely did not give permission and they have not sent me confirmation of what they did with my money ...
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (PA)

I have on my Credit report showing that XXXX XXXX is assuming that i owe them {$3100.00} and also i have a collection account stating that i owe Diversified Consultants {$3700.00}. I do NOT owe any of these companies any money. This needs to be ceased and dismissed. I will NOT being paying anything to these companies
Consumer complaint received 2024-02-10
Product: Credit 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: SYNCHRONY FINANCIAL (AZ)

I have a Crate and Barrel credit card which I only use at that store. However, I received an unknown charge and reported it. The bank is Synchrony Bank. They have been really bad in trying to resolve this charge. At first they said they recognized the charge and took my concern of fraud. They told me not to pay that amount ( only {$7.00} ) and cancelled and issued my a new card. Later they sent me an online letter saying the charge was only a pending charge and was not recorded. However, this is not true, it is still on the account and now since I didn't pay it, a late charge was assessed. 

So this is the first part of my complaint that they didn't resolve the fraud charge. Secondly they have been very difficult to deal with. On the phone, they said this was the first they had heard of the fraud even though I have the letter saying they looked at it. Then they said they have no access to fraud information. Then they put me on permanent hold where they never came back to the phone. I then tried to contact someone in chat that tried to tell me the same thing but after persisting they did find the fraud report only to say they did not have a fraud department and I need to call the phone number. I called the phone number on the letter they sent me and those are the people who say they also can not do anything. Then she told me to call back during business hours. 

It is still unresolved. 

They use some system with secure messaging where they never really send you anything but just a link to online messages. After they changed my credit card, all those messages are gone.
Consumer complaint received 2019-05-16
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Riverwalk Financial Corporation (CO)

This company used abusive language on the phone with me. The collection accountant refused to provide employee identification, refused to allow me to speak with a supervisor, refused to provide his last name, and stated, stop playing the victim I am getting really sick of it, as well as I am not your counselor or your therapist and When I told him that he was verbally abusing and threatening me He laughed into the phone and stated he didnt care and that there was nothing I could do about it. This is the fifth person I have spoken to at XXXX who acts completely inappropriate refuses to transfer the call to a supervisor or provide information about the debt. When requesting information on the debt they say that I have to request it in writing which I have done twice and when I tell them that they say try again maybe the third times a charm. I have never been provided proof of the debt, I have never been provided signed Paperwork of the debt, etc. Lastly, we had a payment plan set up but due to the high amount we had to cancel it, now when requesting a payment plan they say that they dont offer payment plans, but then Mr. XXXX blackmailed us stating if we gave them 10 % or {$1100.00} we could get a payment plan going. The last person I spoke to you XXXX Who refused to identify himself, give me his last name, or move me up to a supervisor was the one who was abusive and threatening. I felt extremely vulnerable and was upset extremely mentally after the phone call. He was extremely frightening with his comments in t Who refused to identify himself, give me his last name, or move me up to a supervisor was the one who was abusive and threatening. I felt extremely vulnerable and was upset extremely mentally after the phone call. He was extremely frightening with his comments and tone and my mortgage loan officer was three way called in and was witness to the inappropriate behavior.
Consumer complaint received 2017-01-05
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

I just received an email with no contact information except for a gmail address of : XXXX for XXXX or advance America. There is no phone or other information. They are threatening in this email to contact employer and the sheriffs office. It also said I was notified in XX/XX/2015 and that they are accepting this as a flat out refusal to pay. I have no memory of doing any business with this company is a VERY long time. Almost XXXX yrs.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Please update my name on my credit file as it is stated on my identification. Remove all variations of my name. 

Make sure my date of birth is accurate on my on my credit file. Please list my correct social security number on my credit file as it is listed on my social security card. Remove all variations of my social security card number. 

Please update my address on my credit file as it reports on my identification. Remove all address that are not on my identification. 
Please update my unemployment as follow ( XXXX XXXX XXXXXXXX ). My title at the company is XXXX XXXX. 

Also, I started working at the company in ( XXXX ) and ( XXXX  ). 
I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (OR)

I contacted discover credit card agency in an attempt to resolve a negative account. I was enrolled in a program to help resolve the negative balance. I was told by the agent if I paid {$36.00} to start the program I would then be allowed to pay {$15.00} a month for 12 months. I was told that after 3 payments of {$15.00} dollars XXXX, XXXX, and XXXX that my credit bureaus would reflect that I am current on the credit card as long as I continued to make the {$15.00} payments. I have honored my committment to Discover by making the agreed payments with discover. Today I was told that the agent I spoke with did not enter the correct details and that my account is not reflecting current and that I need to now pay {$370.00} in order to fufill what the agent promised me. I was illegally put into a bait and switch situation with discover. I honored my portion of the agreed upon agreement with discover and they need to honor their end. I was completely lied to and this should be illegal.
Consumer complaint received 2019-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hello I never applied for any of these accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, these 5 accounts I never applied for these I was XXXX I left my car with my daughter and she was paying my car on time. please delete my lates and remove these accounts please its not mines. Please I promise you. My attorney gave me this site to help me. XXXX bless
Consumer complaint received 2019-05-16
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: BARCLAYS BANK DELAWARE (NY)

Because XXXX has not removed a fraudulent account from my credit report, my attorney wrote to Barclays Bank Delaware, the owner of the fraudulent account, and instructed the company to close it and take all appropriate steps to remove it from my credit files. 

Although he mailed this request on XX/XX/2019 ( over 60 days ago ), neither he nor I have received any response from Barclays Bank Delaware and the fraudulent account remains on my XXXX  credit report.
Consumer complaint received 2016-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NC)

I applied for REPAYE on XXXX XXXX, 2016, through studentloans.gov. I just discovered today ( XXXX XXXX ) that my request was denied on XXXX XXXX by my servicer ( Fed Loan Servicing ) because I have a deferment. First, Fed Loan Servicing never sent me any mail or email to tell me the application was denied. I only found out when I happened to log into their website to check my account and saw the notice there. I searched my email I never received anything from them about the denial. Second, the application was improperly denied. The Income-Driven Repayment Plan Request application specifically includes a question ( # XXXX ) about whether the applicant is in a deferment -- and I check " Yes, but I want to start making payments under my plan immediately. '' Therefore, Fed Loan improperly denied my application and should have granted it.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (GA)

This company placed an illegal debt on my credit that was already paid I had several account with XXXX and I switched all 15 lines over to XXXX XXXX XXXX. Unfortunately, my assistant neglected to pay one of the XXXX accounts ... as soon as I found out I called XXXX right away and paid the debt. I was informed my the Supervisor XXXX that the account had been taken care of. 

Two weeks later I received a notification that a derogatory account appeared on my credit for XXXX I called the company and was advised that the XXXX account had gone to collections. I informed the representative that I paid XXXX XXXX in full ... he I plan on contacting the FTC and the AG office. If this account was in fact in collections .... I would not have been able to pay XXXX. They would have referred me to the collection agency to pay the debt. Also I am very concerned that they added on a fee of {$89.00} and they are bullying me to pay this amount when I satisfied the debt with XXXX. said the {$89.00} in what I owe to the collection agency!!!
Consumer complaint received 2016-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NC)

I am in the process of switching from the IBR repayment plan to the REPAYE income based repayment plan. I have spoken with dozens of service representatives at my loan servicer, FedLoan, as well as called the Department of Education. I have gotten the run around and more than a dozen different responses. My question is whether the 4 years of payments I have made under IBR are transferred to the REPAYE repayment period of 25 years, i.e. I will have paid 25 years, 4 years under IBR and 21 years under REPAYE. Some people at FedLoan say yes that is the case and some customer service representatives are telling me otherwise. The other statements I am receiving are that since I have switched repayment plans, the term resets so I will have to pay 4 years IBR that I have already paid and switching to REPAYE, I will now have to pay 25 more years under that plan so in effect, I will have to make 29 years worth of payments before forgiveness because I switched repayment plans. 
It is a simple question about the terms of my loan. If my servicer nor the Department of Education can explain to me the terms of my loan or how the repayment plan works, how am I supposed to make an informed decision about how to repay my loans?
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (IL)

PHH Mortgage Services has failed to apply my principle only payment of {$5000.00} made on XX/XX/XXXX. This money is being held in what they call a suspense account. The check was mailed to their address for principal payment and included a cover letter with specific instructions to apply to " principal only '' and the check also indicated this. 

This situation also occurred in XXXX with a {$4000.00} principal only payment. 

This company has demonstrated a pattern of deliberate misapplication of funds to have use of my money during the period taken to correct the problem.
Consumer complaint received 2019-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Byrider Franchising, LLC (IN)

The car is engine is out. 
Due to negative equity and low value on the vehicle unable to trade the car in. 
Requesting to have some assistance with this issue. The car no longer runs and I am wanting to know how to have this resolved to be finished with this contract as quickly as possible. I am being harassed daily about payment on a vehicle that no longer runs and I've had towed several times which still has a balance due to the over financing of the car and them rolling over previous loans.