davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Paypal closed my account and frozen my funds for no reason and will not help me with getting it back up and going. Im not sure if this is a mistake as i assume it has to be. They are accusing me of using them on XXXX to sell FIREarms, when actually i deal with XXXX guns and XXXX guns only. XXXX woundt even allow me to sell firearms, you need special licenses and documents for that. I have not been able to get help from PayPal for weeks but i remember i could file a report here as i feel they are not doing their job properly and its affecting me a great deal as i used paypal to get part of my income. My e-mail linked with to my PayPal address is XXXX.
Consumer complaint received 2019-02-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Risecredit, LLC (CA)

I filed for Chapter XXXX Bankruptcy in XX/XX/2018. A Rise Credit loan ( loan  # XXXX ) in the amount of {$4000.00} was included in my petition. In spite of the Automatic Stay, Rise Credit is continuing to collect this debt : On my XXXX  credit file Rise Credit is continuing to report this loan as ( 1 ) Current Status : " delinquent, '' and ( 2 ) Description Remarks : " Bad Debt/Placed for Collection. '' I have now disputed this account TWICE with XXXX, but Rise Credit keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362. 

I am requesting that Rise Credit update the account language and descriptors on my XXXX file to read : " paid as agreed '' or " unrated '' AND " Chapter XXXX Bankruptcy. '' Thank you.
Consumer complaint received 2018-03-15
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. (CA)

my last student loan was in XXXX. Those with XXXX XXXX were privately funded and should be removed as having expired. The balance on all loans should be XXXX, as all loans were discharged in XXXX of XXXX.
Consumer complaint received 2021-04-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (TX)

This vehicle was returned under SCRA in XX/XX/2020. The vehicle has been grounded but they refuse to close my account. I call almost every week trying to figure out how to get this account closed and how to get it off my credit report, but Hyundai Motor Finance transfers me to department after department with no resolution. For almost seven months now, everyone I speak with promises that they will close the account but no one ever does. So I call back and the same thing happens with no resolution.
Consumer complaint received 2019-05-20
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. (LA)

I have no knowledge of the following inquiry XXXX XXXXXX/XX/2019. Please  investigate to ensure there is no fraudulent activity. Please remove from my credit report.
Consumer complaint received 2018-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I previously had my substantial student debt serviced by XXXX. Within the last year, the servicer was changed or the account was sold to Nelnet. 

Under XXXX, by default any overpayment of your monthly payment amount was automatically applied to principal. Thus, in the case of long term repayment plan, reducing the term and overall dollar amount of payments over the life of the loan. 

With Nelnet, there is no option to apply overpayments directly to principal on their paper statements or on the website ( I use electronic payments through the website ). Nelnet by default takes your overpayment and applies it to reduce your next payment. Buried deep within the fine print, dropdown menus, and additional steps which include a phone call to an account representative, there is an option to call them to change the allocation and have overpayment applied directly to principal. 

I submit there is a very good reason this feature is buried and not easy to accomplish. The servicer will be fleecing anyone who does not understand the difference of advancing to a future payment vs being applied to principal. I am sure there are plenty of borrowers out there that do not understand the difference and will ultimately be paying more than necessary over the life of the loan. I believe this is a deceptive practice. A practice I actually believed was illegal but perhaps only when applied to credit card issuers. 

I generally do not take the time to write complaints, but this practice will result in perhaps many thousands of borrowers significantly overpaying on a long term loan because they being taken advantage of by these deceptive practices.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/18 at XXXX, I received a phone call from XXXX, Service Manager at the XXXX, MD, branch location stating that there was a teller error made and that she had questions for me in regards to a {$200.00} cash deposit I made at the same branch on XX/XX/18. She started off very impatient, which put me on the defensive right away, and continued to demand multiple pieces of information regarding my account and my deposit that I, quite frankly, didn't feel obligated or comfortable giving her. I answered her questions, however, with much difficulty because XXXX did not allow me to complete a single sentence before coming to her own defense with why she was demanding information. She did state that one of her tellers made a mistake and put money into my account but didn't know what denomination the mistake was made in. I told her that I was not obligated to answer any of her questions, and that if she continued to interrupt me I would end the call. She then threatened to take my deposit out of my account if I didn't give her the information and documentation she asked for about the transaction. 
SO, where is MY wrongdoing?? I made no wrongdoing, and now am experiencing emotional distress due to an error Wells Fargo Bank made, not me. I immediately contacted the bank with a complaint against the Service Manager, XXXX, and have not heard back. Now I feel like my money isn't safe! I'm not rich, and this bank is blaming their customers for their own mistakes. I can not be held liable for their issues and did not sign any documentation stating otherwise. I feel like suing.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc (OR)

I have a Paypal business debit card so that my friends who I do work for can send me money for work I've done for them and I can have immediate access to those funds without waiting for them to transfer to my bank account. 

I've used the card for about a year without incident. However, apparently I didn't realize that a charge had gone through and it overdrafted my paypal account by around {$75.00}. 

I was never notified about it. Never told my balance was less than XXXX. Had I been I would have tried to rectify it before today. 

Unfortunately, I am unable to work much right now as I have a XXXX illness that makes it hard to keep dependable hours. 

But I was able to do some user testing for XXXX the other day and got some XXXX gift cards in return. 

I need cash more than XXXX funds right now so I sold the gift card to a friend and asked her to pay me via paypal. 

I needed this money to pay for gas and food. I am sleeping in a friend 's couch currently and need desperately to be able to drive for XXXX and XXXX this weekend to make some money. 

But I can't now because Paypal took the money I had apparently owed them ( that again they never notified me about ). 

As a result I am in an extremely precarious financial situation. I don't know how I am going to eat or pay for anything going forward. I feel like I am dead in the water. 

I am terrified. I spent 45 minutes on the phone trying to get this resolved with Paypal today and they refuse to help me. 

I am attaching a screenshot of the transactions that were only reflected in my balance after my friend sent me money. Before that my balance showed XXXX. 

Paypal has violated not only fair debt collection regulations but also banking regulations governing overdrafts. 

Please help. Thank you.
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I sent a letters to Experian, XXXX and XXXX on XX/XX/2022. 



Its been well over 30 days and I still havent received anything back. 



According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX and XXXX have 30 days to respond to my dispute. 

This is a Violation of my Rights
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (PA)

I was charged multiple times by XXXX inaccurately. After speaking with PNC a few times about this an investigation was to be done. I also spoke to XXXX about it as well. The problem was that my PNC bank was supposed to have been disconnected from XXXX but it never was even after calling XXXX to verify it. This began around XX/XX/2019 with a charge of {$12.00} from XXXX which was then refunded because of NSF. This happened numerous more times causing an increase NSF fees and other transactions to bounce as well due my account becoming overdrafted. Even though I attempted to balance out my PNC account by adding money but it was never enough. XXXX even drafted my a letter to verify this. Only for me to later found out that XXXX had once again misused a bank account that was supposed to have been removed. I attempted to get into contact with PNC who told me that they had to forward me to another team to resolve my issue but they couldn't because transferring in house didnt work? However when I attempted to call the number given, that didn't work either. Now I am sent a collection letter for money I shouldn't owe.
Consumer complaint received 2018-03-15
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: SUN LOAN COMPANY INC. (TX)

I have two hard inquiry on my credit report & I've never had any dealings with these companies so something not right & the contact info for Sun Loans is incorrect because the phone number is out of service. The companies or Sun Loan & XXXX XXXX XXXX.
Consumer complaint received 2021-04-23
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. (GA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter in regards to EQUIFAX, XXXX  and XXXX  on XXXX, XXXX and XXXX asking that they be removed. Please note the response should have been provided by date XX/XX/2021. I have not received a report and EQUIFAX, XXXX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Consumer complaint received 2018-03-15
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (CO)

I have called Discover several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ i XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?
Consumer complaint received 2019-05-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

STATEMENT DATE XX/XX/2019 PAYMENT DUE DATE XX/XX/2019 LOAN NUMBER XXXX AMOUNT DUE PROPERTY ADDRES MR COOPER has not provided the funds described below. Closing was supposed to be finsihed in XX/XX/2019. 

Please investigate the issue funds due us at closing the loan. 

Where are the {$2200.00} funds that we have remaining? XXXX XXXX notified the title company that those funds where to deposited into our checking account ; they have not! Why? It has been going on for three weeks now. 

This shall be a complaint filed again to the Consumer Financial Protection Bureau ( CFPB ). Then we shall ask an attorney to file a claim in Superior Court of XXXX XXXX XXXX California! P.S. What is the problem??? 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (VA)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, XX/XX/2021 XX/XX/2021. It has now been 90 days since I sent my inquiry, but I have yet to receive a response. I'm looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dream home.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Comerica (OH)

I have ( 2 ) Comerica Bank Visa pre-loaded {$25.00} debit cards that have been charged {$2.00} fees per month until they were empty. The terms and conditions with the card are extremely confusing. They say that the fees will begin the 13 month after issuance of the card, but no date of issuance was provided with the card. The card expired XX/XX/17. Typically the fees begin after the expiration date. I do not understand how these fees are legal, but to start taking fees after 13 months from an unpublished date seems extremely wrong.
Consumer complaint received 2018-03-15
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. (AZ)

On XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (GA)

Suntrust is not following the rules regarding Regulation E and unauthorized transactions. I also know that they have not been properly reviewing my case because after I reported my claim and they denied it, they sent me a rebuttal letter along with a rebuttal denial letter on the same day. I circled the dates as well, I believe they do this on purpose to their customers who wouldn't know any better. I have proof that the letters were sent on the same day and the dates are also the same on the letters as well. I put in a claim with them on XX/XX/19 because I lost my bag, my debit card and id were in there so I called them and they made a claim for me. Two weeks later they denied my claim. I do not believe they did a proper evaluation of my situation. I was traveling in Texas when all of this occurred. I have counted a total of 60 Unauthorized transactions on my checking account which put my account into $ XXXX. My last transaction was on XX/XX/19 of {$12.00}. Everything after this transaction was unauthorized and im upset that Suntrust allowed this to happen to my account without taking any action or proper care towards my situation. Their investigator told me on the 10th day of the investigation that they'd have a decision that day and it made it seem like they were rushing just trying to get it done just so they could not help me with temporary credit because that was my only checking account and I had no money. My account was drained of exactly {$5200.00}. I look at my online banking and the first unauthorized transaction was on XX/XX/19 of - {$0.00} ATM BALANCE INQUIRY up until the last unauthorized transaction which was on XX/XX/19 of {$0.00} OVERDRAFT ITEM FEE NOT CHARGED. This doesn't even include the excessive fees that were charged that made it go into the negatives. I had {$5000.00} transferred to my checking account when I came to Texas to prepare for my vacation and I frantically reported the loss to Suntrust after I realized I didn't have my bag on me so I did report what happened as soon as I could.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd (TX)

Dear CFPB, I work as a XXXX XXXX XXXX and on XX/XX/2021 I sent {$1000.00} of my salary to my US account that was held by XXXX ( former TransferWise ) XXXX XXXX XXXX from my XXXX XXXX XXXX XXXX  account. On the XXXX of XX/XX/2021 I sent another {$1000.00} of my salary to the US account held by XXXX ( former TransferWise ) XXXX XXXX XXXX. I was able to do an international transfer and paid for debit card fees with balance left of {$1100.00} and some additional balance in the XXXX XXXX still provided by XXXX. 

However I work up to a rude shock with XXXX having closed my account and promising to refund the money left in 2 days now its many days later and they even barely respond to my numerous emails requesting a refund. I have even furnished them with details of the transaction and the bank account that they can use to refund the money as attached with this complaint but my pleas have fallen on deaf years. I am the bread winner and support my family and this event has put me in a very bad situation and would honestly need your help to recover the funds and have it sent to my account. I have written numerous emails even to the CEO and CTO and just about all manner of emails I could get about the company but no one is interested in helping me get my refund since they said they have the prerogative of closing accounts and have no obligation of telling the customers why. I do not care about their account I just need help in recovering my stolen funds. I deem the funds stolen since no one is responding to my emails despite having promised to refund me in two days. 

Kindly I seek your help in following up with this matter.
Consumer complaint received 2020-10-26
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: EQUIFAX, INC. (IL)

I never received any correspondence from XXXX, Equifax and XXXX  from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello my account was locked for no reason. I am a legit user of paypal app. I didnt do sketchy, scamming or violating their rules on their platform. My problem was just my locked bank account that was linked to my paypal can not remove for no reason. I want to recover my account because i have funds on it and i didnt do nothing wrong using their app. This is the email that was linked to my paypal app ; XXXX Thank you for corresponding to my complain.