davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
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)

In accordance with the Fair Credit Reporting Act, the XXXX Account number XXXX is violating my rights to accurate information. The account is closed and was consolidated in 2019. The account is listed on my consumer credit report as open and a charge off/collection. The account has been deleted from XXXX. 

The FCRA states that credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (ID)

I have been attempting to save my home from foreclosure with a loan modification with Penny Mac Loan Services. They gave me a loan Modification in XXXX that was supposed to be for {$2100.00} per month per a phone conversation but was set at {$2700.00} and none of the Loan Amount and Past payments were reduced as also promised and I got no disclosure of what the Loan Amount was at all, just payment information only. I have been calling since XXXX to try to get a New Loan Modification set up with reduction in Loan Amount and Past Payments & fees by the guidelines of HAMP. Also my income and contributions from others has greatly increased.
Consumer complaint received 2017-01-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc (NC)

in XX/XX/2012 I was XXXX in XXXX on a business meeting. I had a XXXX. I had XXXX there. I had very good insurance at that time and it covered most of my bills except for XXXX which I paid. then this charge showed up from XXXX who was the XXXX doctor at this time we, ve paid him everything we owed him yet this bill still shows up on my credit report. can you please help me? I, m using XXXX and XXXX
Consumer complaint received 2022-07-24
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 (PA)

Hello, I got a new phone number. I tried to open an account with Venmo, but their system had a bug that was asking me to log in with the previous user 's account... Aside : I think it may have been possible since the customer support was not aware of this bug. I found another bug or two in their system and helped em fix it.

I needed to use Venmo fast for living expenses so I signed up with an old phone number that was going to expire soon since customer support ended up giving me 31 support emails on this bug and how to fix it ( I'm a software engineer ). 

Now, despite me giving them technical support how to fix their system, knowing I entered bank account info, and more, they were unable to transfer my account from my old phone number to my new number. I can not log into Venmo, and their customer support will not help me. Now with my old phone expired, they have banking information of mine, and I can't log in and customer support will not help. 

They're beyond giving me the run around at this point which is actually ironically funny since I actually helped them debug and fix their system in the customer support emails, but they will not give me even basic customer support to transfer the account... I help them, they give me the run around like they're deliberately trying to annoy me... Isn't illegal to keep someone's banking information on file against their will? On top of this, I am not confident they fixed their system so if someone gets my old recycled cell phone number, they possibly could get my banking info. 

To me this is egregious in terms of philosophy. They wasted over 10 hours of my time, and I was unable to get the financial help I wanted from a friend, and that's just fine... But really ... to not let me transfer my account or even cancel it even after I helped them considerably? We live in a world redefining the world thank you. 

Anyway, take care guys, I don't know if this will even reach someone, XXXX  XXXX
Consumer complaint received 2021-01-18
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I will file a lawsuit.
Consumer complaint received 2022-07-24
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 (VA)

My PayPal account was block on XX/XX/2021, and after blocking I was told I will be able to transfer my funds from the account after 180 days. Its almost a year now Ive not been able to transfer my funds. I have {$450.00} in my account, Ive lodged complains on my PayPal account but still not getting solution.
Consumer complaint received 2022-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (AR)

On XX/XX/2022 a collections account with a balance of {$600.00} was opened under my name from a company called MRS BPO. It says the original creditor was XXXX XXXX XXXX. I have not heard of either company and do not owe any bills to them. I haven't received anything in the mail regarding any debt owed by either of these companies. I believe they sent the collections to the wrong person and I want this report removed from my record immediately.
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I wanted to raise funds in order to visit my grandparents who are in XXXX. for this reason I did create a paypal fundraiser but as soon as I did receive money paypal did block my account. 
the link to my fundraiser XXXX XXXX XXXXXXXX paypal support claimed that the funds will be available after 180 days without giving any reason why I must wait so long. 
however now the time has passed and I can not access my funds. I believe paypal did scam me for the amount of {$3800.00} please help me recover my funds. this is unacceptable!
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I already submitted a complaint several months ago. The complaint number is XXXX I just received a message from your organization that the credit card company could not respond without permission of the consumer. So, I submitted the complaint because I am a cardholder on the account, but my husband is the actual account holder, I guess. Can he give his permission to respond, without starting the complaint over from scratch?
Consumer complaint received 2022-07-24
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: ACIMA CREDIT, LLC (TX)

Acima digital FKA account, this is not my account. It is my XXXX XXXX XXXX account and I do not have the equipment or whatever was purchased. I have no idea what this account is for and did not give anyone authorization to purchase something under my credit. This needs to come off my credit report, I do not owe this money. I am trying to purchase a home for myself and XXXX children. I need this off my credit reports. 

Thank you
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (IL)

Opened a checkin account with Wells Fargo on XX/XX/XXXX and they send me email next day they will Close my account asked the customer service they are not giving any reason but saying that ITs is a business decision to not do business with me without any explanation. 
I would need to know what is that reason.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MA)

I called XXXX on XX/XX/XXXX or XXXX of XXXX and explained to them that I would like my final bill for the amount owed. I also was very affirmative that I would NOT pay the amount that they're requesting I pay due to how I forced to purchase a brand new phone on XXXX, XX/XX/XXXX. I agreed to pay them {$200.00} for the bill but I did not agree to pay them back for a phone that they FORCED me to purchase even though I had insurance. This was a whole scam and I may not can tell it inside this little box that you'll are asking all the information for but if you got me in person or on the phone, I bet you I could.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Fresh out of high school I wanted to be someone successful. I went into XXXX College to get some info in classes that were available, I get told that if i sign up for school I can get a job guaranteed. So I fell for it and signed up, when I signed up I had to have a second signature and they told me to have any other adult sign. So I got the paperwork signed, enrolled, started classes to become a XXXX. After graduation I applied for jobs and nothing. I applied for the XXXX with a year waiting list and nothing. Places I applied for told me they could not hire me do to not having experience. I then applied for a position in the XXXX again with another year waiting list and nothing. So, now I 'm here stuck with a student loan that just keep accumulating interest. At the time I signed up with XXXX College to become a XXXX, I did n't understand Interest rates and how much this whole thing was going to cost, I just understood that i would be guaranteed a job.
Consumer complaint received 2022-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (AZ)

We called west lake financial for a simple extension. We were never told initially we would accrue any interest or late fees but were told we must wait 15 days after the due date to request an extension. I then called in and I was told I must pay an NSF  fee and a late fee. After being hung up on numerous times by numerous agents I asked for the NSF  fee and the late fee to be waived due to issues with a supervisor and numerous other agents and I was told that in order for to me to get an extension I would have to pay {$50.00} in order to get it they also told me that if I paid the {$50.00} my extension would be guaranteed. They said by not paying the {$50.00} I would have to call back and its not guaranteed. I feel like this is almost an illegal business practice for our financial institution and I want reviewed. I also have a recording from the final call which I did tell them that the call was being recorded where they admitted to all of this. I would like all fees and internet carried waived due to the neglect and mistreatment. I also was told that the manager I spoke to was the only manager available and I could not speak to any other manager, which made me feel like I had no other resources to help me as a customer.
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NM)

received letter from AFNI saying i owed monies on potential litigation. i was not in an accident on date of lose XXXX, i have never heard of this litigation, this seems to be total fraud. they give the insured name as XXXX XXXX XXXX never ever heard that name.
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2022, I ordered from XXXX website - XXXX XXXX doing business as ( d/b/a ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I ordered one ( 1 ) handheld language translator plus warranty and extra long cord for an approximate total cost of {$120.00}. Unfortunately, something was amiss, not disclosed or was clearly misrepresented. My PAYPAL account was charged {$260.00} for five ( 5 ) handheld language translators and {$84.00} for warranties totaling {$340.00}. Steps taken to return merchandise in accordance with sellers return and refund policy plus numerous efforts to obtain a refund through Paypal 's dispute resolution have so far resulted in denials and findings in favor of the Seller. Despite written emails from the seller confirming that refund is in process, to date, my PayPal account has not received a return of funds from the Seller. Warranty fees charged by the seller has not been acknowledged as part of money to be refunded.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MI)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports and despite sending a written request the unverified collection ; RADIUS GLOBAL SOLUTION ( Original creditor : XXXX XXXX ) with account number XXXX still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus is investigating properly before posting derogatory information. Please remove this damaging file on my account.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (PA)

I am a XXXX representing my client. His house is in foreclosure and has XXXX separate liens on the property. The first lien holder Selene Finance gave us an approval to list the property for sale as a short sale to avoid foreclosure. They told us that we needed to have it sold before XX/XX/2017 or it would go to sheriff sale. We put the house on the market and had it under contract for full asking price within 6 days at the approved price Selene finance told us to list it for. I sent the agreement of sale and all supporting documents they asked for to them to review and within a few days they issued an approval. The approval letter is dated for XX/XX/2017 but says we have until XX/XX/2017 to complete the process or this home will go to sheriff sale. 

The second lien is with XXXX. It 's a {$37000.00} Home Equity Loan. When I spoke to the representative at XXXX she gave me a list of documents needed for them to do their own valuation of the property and what they will accept as a final settlement. The representative said their process would take about 30 days to complete once they receive the documentation they needed. One document they needed was a statement of the first lien payoff balance which we requested from Selene Finance and have yet to receive thus pushing back the process for XXXX even further. 

After to speaking to my broker and other resources, it has come to my attention that Selene Finance is practicing something called " Dual Tracking '' and by doing this it almost guarantees that the homeowner wo n't be able to sell this house and avoid foreclosure. All we are asking for is an opportunity for the second lien holder to do their investigation and for the buyer in this transaction to obtain financing once all approvals have been given from both Selene Finance and XXXX. Please advise on what we can do to delay the sheriff sale on XX/XX/2017. 

Thank you
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I sent a validation letter back in XX/XX/XXXX to Ability Recovery Services LLC, and the debt was not validated. I disputed with the credit bureau and the account was deleted from my credit reports. Now when I pull my credit report again, Ability Recovery Services LLC is back on my credit report again. I sent another debt validation letter on XX/XX/XXXX and haven't heard anything again.
Consumer complaint received 2016-04-15
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (NY)

many years ago a mortgage broker defrauded my mom and i by putting her on the mortgage and me on the deed, ,this is my home not hers and it was my down payment..after years of attemptong to correct this error the loan was taken over by ocwen who eventually let me assume my oqwnloan and gave me a huge ballon payment and to make mattters worse they wrongfully reprted to the credit agencoies that i missed XXXX payment when my name wasonly put on the mortage 4 months ago ... ... because of this i was denied a loan for an apparatus that i need for a XXXX child that the state will not cover ... so far they have not corrected their error
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I just read a VERY Very similar story as mine on your site, and it is with Bank of America. 
It is also in regards to a checking account that belonged to my mother that passed away XX/XX/2014. I am her only daughter and she was not married. I also handled her account as her XXXX XXXX worsened, but I failed to add myself to her account. Which would have saved ALL of this headache! I have been in touch with their department that handles these accounts so many many many times. I have sent them, and confirmed their receipt, of her death certificiate and of a Affadavit of Heirship ( notorized ). Which proclaims that I am her only heir and executor of her estate. Once they received that- they tell me over the phone that I need to submit a different affadavit with the court and submit whatever the court sends me in approval of my affadavit. I clearly understood that the Only diffference between what I completed, and the court responded version is that the court version would be " telling them what to do with the money '' - rather than my document that simply established that I was her heir. The amount in the account is only {$1800.00}. I have filled out the other affadavit ( including the XXXX 'Disinterested parties ' & notorized again! ), but I have not submitted it yet -- because it is going to cost me {$210.00} or {$250.00} to file. Very frustrating!! I have even had to call, in response to a letter I received, and tell them that Yes -- this account is still belonging to someone, and is not 'unclaimed '. So DO NOT gid rid of the account or money. I spoke with someone who assured me after faxing in a signed statement to not liquify the account- that the account would be upheld and still waiting resolution for me. Since I can no longer log in online.. ( which was the Very first thing to go..bc my plan was just to transfer the money over to my BofA account ) ... I 'm terrified to call and make sure the money is still there. What if it is not? What if they managed to put up so many red-tape XXXX requirements that I ca n't to the money? 
Which to me raises another very interesting question, what do they do with all of that money they get to keep? It has to add up quite substantially. I just wish someone would absolutely tear them up in that regard. I can not stomach the idea that this money goes to the company in some fashion, and it is all based on their taking advantage of such horrible times and circumstances with their customers. For whom they would claim to care very much about. It 's deplorable. Please help!! It 's Only {$1800.00} dollars now!! How can they have rules & regulations that are placed ahead of state requirements in such matters? The state does n't even require all of these steps and motions, and things. It just makes no sense at all.