davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
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 (MD)

I have been a customer with a personal PayPal account for almost a decade without any problems. On their website, they advertised the ability to open a business account for freelancers, and people working 1099 jobs to invoice their clients. I opened a business account, put in all my personal information including personal address, social security, bank account numbers for wire transfers, etc. After putting in all my information, their system said I was a risk because my name appeared on two accounts ( my personal and this new one ) so they will prevent my access to my account and will prevent withdrawal of any funds. I spent weeks going back and forth with customer service who just copy pasted boiler plate. I eventually just wanted the account with all my personal information deleted. I was able to delete my personal account but the site prevented me from accessing and deleting my business account. More emails to the CEO, customer service, the FTC, and even pinged them on social media. They controlled my personal data and would not delete it because I asked them to let me close the account. They would not give me a reason why they are doing this and gave the impression that they have legal rights as a corporation to store my personal data against my will for as long as they want. Funny thing, there are ZERO transactions on the account so they have no basis to hold my data XXXX. Its been months now and my account and personal data is still in their database waiting to be breached and stolen and I have no say in the protection of my personal data as a US citizen. I would never trust PayPal with my personal data especially since I have no way of protecting it, deleting it, nor do they take customer complaints seriously. Absolutely horrible business practices and tremendous violation of consumer rights and privacy laws.
Consumer complaint received 2021-10-15
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. (NC)

Equifax is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with Equifax in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by Equifax. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to Equifax and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. Equifax as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the informati on had been removed from their files just two weeks earlier. In addition the Federal Bankruptcy Clerk of Court as p er US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.
Consumer complaint received 2021-12-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

59.7. Error resolution procedures. 



( 7 ) Failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure, as required by XXXX ( relating to early intervention requirements for certain borrowers ). 



Numerous times in 2020 i emailed called many XXXX of MR cooper for a revised act XXXX  notice because i wasn't made aware of this safeguard until the later stages but ILL take full responsibility for this because we all Know you know who has a aversion to admitting anything So when i finally asked for a act XXXX  notice i kept getting a document dated in a previous year ( i get the logic that when it happened but you could have updated it and provided another date on it or attached an addendum a nice note ANYTHING to help when i was asking for assistance to have it reproduced or annotated to reflect this is a new situation ) WHAT LAW WOULD MR COOPER BREAK BY REPRODUICING IT for me again with a new effective date I mean the interest on the loan is still the same the principle FORCLOASURE CAN HAPPEN AT ANY POINT so WHO is hurting by not having this??? so i DONT get approved from a loan to save my house but I wasn't able to be qualified anyways since the document wasn't valid THANKS FOR CONTINUALLY REPRODUCING A REDUNDANT DOCUMENT MR COOPER
Consumer complaint received 2022-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TN)

My statements always appear in arrears, even when I pay electronically on the XXXX or the XXXX of each month. Make a comparison of when I pay versus the statement ; never been in arrears or late payment for this loan. However, the application or process time for Loan Depot to my account can take days or weeks to be executed. Each day and each time my payments are not applied as expected, the load incurs additional interest. 
Each statement I receive displays the account is behind. 
There is also a 15-day grace period on this loan. This has never had to use it except for a one-time exception when it was a Lender error. When that occurred, the Lender refused to apply for the payment until they resolved this issue internally, which took 15 days. I thought the servicer ( Loan Depot ) typically must credit a payment to your account the day they get it. That way, you don't owe extra fees, and the amount doesn't look late to the Lender. Late payments show up on your credit report and may affect your ability to get credit in the future. However, Loan Depot appears to engage in an old practice trick I used to see back when I was in banking- holding funds. This is probably not just done for my account alone ; I suspect this practice is done on many undeserving applicants. Some lenders use it to make money via additional interest and late fees, which is VERY illegal and unethical. A lender is not legally permitted to delay cashing a payment to charge a borrower late fees and interest.
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TX)

I spoke with representatives with Credit Management LP ( XXXX XXXX and XXXX XXXX ) about a debt reporting on my credit report. I had no idea what this was as I had not received any communication from them by mail or phone. I was told by a representative that they would request a removal once I paid it and even given a website to get this in writing. The website address they gave me is cm-resolve.com. All of this information turned out to be false. I called back and they told me they could not locate my account because it was paid. I have read about this collection agency doing this to several others, in fact there is a XXXX thread dedicated to it. It is mandated by law that I receive a letter from them notifying me of the debt and giving me 30 days to pay before it is reported. It is also against the law to tell me it will be removed, give me a bogus way to get it in writing and then lose my account information. This has harmed my score and prevented me from purchasing a home. I am responsible and pay my bills on time. I would have paid this had they notified me in writing and I tried to resolve this as soon as I found out. Their dishonesty and unlawful tactics have hurt me considerably.
Consumer complaint received 2021-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NY)

I have an account with Gemini. I was trying to send over funds and the service froze. After trying to send more funds to another account the server was overfilled. I froze my account and now want to unfreeze it to use my funds. I can not get into contact with the support team and need your help.
Consumer complaint received 2021-12-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2021 I attempted to view my account information at XXXX XXXX. My wife passed away recently so they restricted my access to our joint accounts. First call 39 minutes and no resolution. Second call 39 minutes managed to open an account to transfer all funds to since the joint accounts are no longer valid. Third call 50 minutes and still they can not provide even view access. I tried to escalate up their management change and got ran in circles and put on long holds. The automated system to direct calls is maddening. Around in circles before a human can be reached. I finally got them to update beneficiaries properly as they did not even ask as I opened the account with them today over the phone ( due to lack of on line access to any information or functionality ). They still have not given me access and stated they will call me later today with an update. Virtually all day without system access. Big problem when your business model is self service on line.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

I received a pay statement from ally bank, I went forward and accepted it for value. They continued after by putting a restriction on the account and would only accept certain forms of payments, I sent a letter in to validate the debt. I do believe the account is paid for in advance I asked 10 questions regarding where the money came from and how was it circutrated in my name without my consent. They failed to validate the debt within the time frame given twenty-one ( 21 ) days they also failed to stipulate their claim against me for owing said amount.
Consumer complaint received 2021-12-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Lending Club Corp (CA)

Lending Club is giving us the run-around! I have twice written, telling them to please deal with my daughter, regarding the closure of my wife, XXXX 's account ( she died in XXXX ). 
Also, I have also been on 3 phone calls where they did not resolve the issues, nor did they ask for additional materials ( if they needed them to do so ). I am fed up.

My daughter wrote to this particular agency last week to file a complaint, and the company responded by saying they would follow up with me. Well, that is why she complained! They are NOT following up with me!

They now have identification, death certificate, more than one letter of instruction, and a copy of the POA for my daughter. WE have sent some items multiple times. 
And they still have my money! 
We have had no rmeaningful correspondence form them in more than a month. 
Please help.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (WI)

I went to college and in the middle of going to college I I got XXXX. I had to stop attending college and could not defer my loans anymore due to the fact that I was XXXX after the XXXX. I was found officially XXXX by Social Security, and now I live on XXXX only. I have no way of paying back these loans. I have asked Navient for the dismissal paperwork due to official XXXX many times, but they wont send the papers, and will NOT consider loan forgiveness, and the statute of limitations is OUT from a lot of these loans now, its been 7 years for many of them, and I want them taken off my credit report! 
my private student lender ( Navient ) said I couldn't dismiss the loans I got. I have tried to get the paperwork from Navient, but they wont send it. the statute of limitations ( 7 years ) has run out on a lot of these loans, and they're still on my credit report. I want them removed now. all the credit monitoring sites still have them listed, and I cant find where to dispute the listings. I need help getting these removed from my credit report.
Consumer complaint received 2019-06-20
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: SCA Collections, Inc. (SC)

The reponse was closed with explanation. There was explanation. Only to contact original debtor but I have No info for them and the debt not mine. Never been to that place. I would validation. Copied id ... Signature picture at the time. The reason for debt. Substantial evidence. The company you work for can get information from anyone who gives it meaning your company not safe. Anybody can walk in and be anybody. I wish to only contact with the company fradulently on my credit report. I need your companies proof. I have no knowledge of debt so why would you still have it there and would like this to be remove at once. I should have to contact any one else other than the company on my credit report. Your reporting for another company who has no knowledge of there own system. I wish this to be remove. Legal action will follow. My first time I complain I asked for validation. Not using that word but in that context for evidence. You gave me forwarding number to people who have no knowledge. After today I will report to XXXX XXXX XXXX. The company you work for and so called original debtor. Nothing shows me that the debt belongs to me.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid 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: DISCOVER BANK (FL)

I am having trouble with a fraudulent unauthorized charge dispute I am having with Discover Card. I never made said purchase and promptly reported the transaction upon noticing the unauthorized charge on my Discover XXXX XXXX. As of XX/XX/21 I received a Fraud Affidavit form that Discover Card requires I submit. I am compliant and completed the form and mailed the completed form on XX/XX/21. We are fast approaching the 90 day mark and I believe that Discover is dragging out this process as I never made the disputed unauthorized transaction purchase. I am seeking assistance in getting this issue resolved as I never made this fraudulent unauthorized transaction.
Consumer complaint received 2021-10-15
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: DISCOVER BANK (IL)

I used my Discover credit card to purchase various in game items for an XXXX game. However, the game developer restricted my access to the account I used to play with and is not responding to any communication when trying to resolve the issue. I no longer have access to anything I paid for in the game. I tried to give Discover a call to dispute the transactions but there are so many charges they asked me to fax them a list. I am not sure how to fax so I am hoping I could deliver the list via CFPB and have Discover take care of the dispute.
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (CA)

I leased a car from XXXX and it ended up being a horrible problem. It started having problem after problem which made me have to fall behind in payments due to having to fix the repairs. It was repossessed in XX/XX/2022 and I have tried to see what the next step was, they sent a letter saying the money made from auction will go towards the balance remaining owed. Then after that I will be responsible for remaining balance.
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

My XXXX & I moved out of XXXX XXXX XXXX on XX/XX/2021. On XX/XX/2021 I receive a letter from ProCollect stating my unpaid debt is going to collections. Never received anything prior about a debt. I emailed XXXXroCollect which is an in-house collection agency for XXXX XXXX , the management company that owns XXXX XXXX XXXX XXXX questioning the debt and requesting photograph is evidence of the debt. I was emailed an invoice & photographs claiming to depict the damages which resulted in the charges. 

I disputed the charges and clarified the photographs and what they showed and never heard back from ProCollect. I have followed up 3 times since XXXX. I was told to forward all evidence to specific emails, I did so and never get a response. But they have since sent my account to collections and is now reflecting on my credit report. 

I was also emailed a copy of my lease with XXXX XXXX XXXX  which clearly show I was NOT told about the move-out cleaning instructions. 
I have since spoken to an XXXX and am disputing thee charges yet again.
Consumer complaint received 2021-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I received funds that allowed me to pay off my credit with PayPal which was {$650.00} at that time. However, I paid for an additional purchase ( {$70.00} ) on XX/XX/XXXX after paying off my credit on XX/XX/XXXX. On that day ( XX/XX/XXXX ) I had another payment of {$620.00} scheduled for the XXXX by complete accident, assuming the higher amount ( {$650.00} ) would overwrite it. It did not and I ended up overpaying when I should've just added an additional {$30.00} to the payment. I paid off my credit with PayPal, but their system showed I was " + {$620.00} '', over the credit line. It was refunded to my bank when I called and told them that I sent that additional payment by accident, but then they tried to take it out of my bank themselves on XX/XX/XXXX. That money was never meant to go to my credit with it being fully paid off and at XXXX, and after my bank refused that attempt, they put the money onto my credit and are wanting me to pay them what they returned to me. I have not purchased anything of that amount, and it was stated that apparently the reason why they refuse to remove that invalid amount is because " it was my bank 's fault and they shouldn't have canceled it '', making it seem like I owed them {$620.00} when my credit was fully paid off ( with the single other payment of {$70.00} ). If I had known that overpaying would cause this chaotic situation, I would've never sent the {$620.00} in addition to the {$650.00}, and would've just send an additional {$30.00} instead.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (FL)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reason This collection is not my account. 
Not mine, I never had an account with this company. 
Not mine, I never had an account with this company. 
I never made a late payment on this account, please correct. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.
Consumer complaint received 2022-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (NY)

My account was charged off but paid in full in 2021. However, Wells Fargo did not report it to the credit bureaus correctly and we are unable to obtain a new personal loan. I have called every day for a week to get another letter ( received one in 2021 ) stating it was paid in full. However, they are saying they are too busy to provide it.
Consumer complaint received 2021-10-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless!
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the creditor and they are unwilling to help me and remove the soft inquiries. They claimed that i applied for an XXXX XXXX credit card when I never have applied for one and have no interest in applying for one after this happened. Please remove these soft inquiries from my TransUnion credit report. They are listed below. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX