davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (FL)

On XXXX/XXXX/15, I requested a funds transfer from my XXXX account to my PayPal account. On XXXX/XXXX/15, it was finally processed, but it hit my PayPal " Credit '' account, which is through XXXX Bank. I sent an email to PayPal on XXXX/XXXX/15 and on XXXX/XXXX/15, while also following up with a phone call later in the afternoon. I was advised my refund would be sent out no later than XXXX/XXXX/15. I questioned that and was told it was the company 's policy. Having worked in credit prior, I knew that was n't correct or legal. I sent a XXXX email right after the phone call advising them of Federal Statute : Title 12, Chapter II, Subchapter A, Part 226, Subpart B - 226.11 Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall -- ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

On XXXX/XXXX/15, I sent an email through XXXX Bank 's website and was advised someone would be in touch within XXXX hours. I have not heard from XXXX Bank personnel ... and now PayPal is not responding to my XXXX, direct messages, or emails. I also sent emails on XXXX/XXXX/15 and XXXX/XXXX/15 with no response. Whatever the penalty is for violating the statute, I want it applied to either PayPal, XXXX Bank, or both.
Consumer complaint received 2015-03-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MO)

Our house is in forclosure but it is on hold. We have been trying to work with our mortgage company since XX/XX/XXXX trying to get a loan modification. Our paper work has been lost, missed placed over looked, we have been told the wrong information and cant talk or do n't get calls back from anyone. Just since XX/XX/XXXX we have had XXXX modification turn downs because paper work was missed placed or over looked and we were told to disregard any letters we get because it was there fault and it will be resummited to under writing. This was wrong and a lie. All these delays have cost us time and money and possiably cost us our house.
Consumer complaint received 2017-03-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

This person that said they were selling a puppy and they tried to scam me and I asked them multiple times for a refund and do n't respond I told them to cancel the puppy but they said later and have n't refunded me I need help to stop the money or get it back please
Consumer complaint received 2016-12-08
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

Good Morning, I have been a Chase authorized user since for the past 13 years, I first opened my Chase account when I was a XXXX in fact because I had heard amazing stories from my parents about their professionalism, and how they truly cater to those bankers in the neighborhood. One of the best features for me as I got older was Chase Quickpay. It was an amazing tool to use being that I left XXXX to go to college out of state and was able to receive / send money back to my family in XXXX. As I 've gotten older it 's become even more beneficial as I have relocated from my hometown and use the function to send money to my family. Chase had this wonderful option which made me feel safe and secure that if for some reason I typed out an incorrect address or phone number I had a grace period where I can cancel the transaction, and the money would not be deposited into said account. I do n't know who is responsible for the decision making at Chase, but whoever thought it was a great idea to REMOVE that option and AUTOMATICALLY deposit the money into the 2nd parties account, really messed up. I sent a quickpay for {$740.00} to an incorrect address, I noticed immediately it was an incorrect address and notified chase as quick as possible. They said it would take about 3-5 business days to get a response or action on my claim and to keep my eyes peeled to my email address. The 3-5 business days had passed and I 'd yet to hear any thing back from the Bank, I called them myself to follow up and they informed me they would re-file my claim and get back to me. It has been a total of ( 17 ) days since I first filed the claim and I have yet to receive any type of follow up. I called Chase this morning only to be told that " Oh, well if you have n't heard anything back that means we ca n't help you, we do not have any Quickpay protection it 's up to the consumer to make the right decision. '' Seriously? That is the response I get? After waiting this entire time it took that gentleman 2 seconds to tell me this while the rest of the company has had me in Limbo? How can this be? How can you DELETE a function that protects your VALUED customers and then when an issue arises basically kick them to the curb and inform them that sorry, your money is n't our concern? How is this possible? I just want the situation rectified, I have complied with all of Chase 's demands and needs pertaining to this matter and yet there is nothing they can do at all to rectify the situation? How do you not plan for this or have a system in place to protect your customers. It 's crazy that after years of banking with them everything I thought Chase stood for it is actually the opposite.
Consumer complaint received 2016-08-04
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (FL)

instaloan lied and told me my interest was a 2.5. % they says there is an " optional '' insurance if you do n't have insurance ( i have full coverage ). the insurance adds $ XXXX per month on top of the loan and then they say that it goes into the interest. they will not provide me a loan summary, interest summary, or an explanation and break down of monthly charges. i have asked 4 times for the information to be faxed to me and they never have. i receive no monthly bill or documents detailing the fraudulent charges. i refused to pay the loan until they adjust the fake insurance they tack onto the loan and proved me the details of the loan as required by regulation for loan originators. They keep telling me that they insurance is " optional '' but they would n't accept my insurance information or allow me to deny that fake insurance coverage. im contacting an attorney and also the department of justice in relation to this company. they have countless consumer complaints through various internet and consumer sites. this seems to be a sham loan company and consumers are being taken advantage of., i contacted insta loan 4 different occasions and requested documents to be faxed and have received no response. i spoke with XXXX XXXX, who hung up on me when i requested ( for a fifth time ) for the loan documents and interest summary to be faxed to me. they refuse to give me any information on the loan. they refuse to provide any information but expect me to pay a fraudulent insurance on top of my loan.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (LA)

Tried to apply for a bank account with chase and was turned down because of an old paid balance of 50 something dollars find this action has affected my personal well being and want this issue resolved and an account open not just an access account but a regular checking account which i am entitled to.
Consumer complaint received 2016-05-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

Chase is inaccurately reporting the status of my auto loan. They have misrepresented my payment history to the credit reporting agencies, after promising to correct it and are trying to collect payments I 've already made. I 've attached proof of payment, and a recorded phone call and proof of my claims.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: STERLING JEWELERS, INC. (FL)

I have told Kays Jewlery to stop calling me since XX/XX/2016. I spoke to XXXX and specifically told her to stop calling me and I will be documenting each call after that and have filled note pads worth of calls. She also threatened to garnish my wages at my new job. She was very intrusive and has not stopped calling. I go through about 15 calls a day. I am in the middle of my debt being paid off through jewelry insurance from my jewelry being stolen but she will not back off me at all and threatening to take my paychecks is the final straw with her.
Consumer complaint received 2017-01-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC (OH)

On XXXX/XXXX/XXXX, a debt collector called Escallate called my home number and left a voicemail asking for a call back. I called back and learned that Escallate was looking for my ex-husband. I explained that he and I have been divorced since XXXX. The debt collector agreed to take my phone number out of their database. Since then, I have received calls from Escallate on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I saved all of their voicemails. The calls need to stop or Escallate needs to be shut down.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (AZ)

XXXX XXXX has approved a short sale for a XXXX veteran, the file is in the closing phase with Chase and the Closer XXXX XXXX has been making closing demands that are above and beyond the approval letter and above and beyond XXXX XXXX guidelines. She has caused a great delay in closing this file and appears to be doing everything she can to cause this transaction to fail. I have escilated this issue with Chase Executive offices and they have not resolved this issue.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

Hello : ERC is reporting on my account that I have a past due account from XXXX and I don't. I want proof of this being my account. I tried contacting them in regards to the account but have not received an answer. Their contact info is ERC XXXX XXXX XXXX XXXX FL Their phone number is ( XXXX ) XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AZ)

I had a XXXX XXXX Student Loan for years then it went to Navient. I have been paying on this load ( {$20000.00} ) since 2006 and my balance has only gone down by {$2000.00}. The loan amount is always different every month and the balance just never seems to move.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

I disputed account XXXX with Experian on XXXX/XXXX/XXXX. I received an update XXXX/XXXX/XXXX that the status of the account with remain the same. I also contacted the collection agency XXXX on or around XXXX/XXXX/XXXX to let them know that I am disputing this account and they told me they were going to conduct an investigation. I also filed a complaint with CFPB under XXXX that attached the bills from XXXX. Upon review of the bill, I noticed that they did not make the proper adjustments according to my disconnect request made on XXXX/XXXX/XXXX. XXXX billed me for XXXX XXXX thru XXXX XXXX because they failed to disconnect my service on XXXX/XXXX/XXXX. I then received a bill and XXXX told me they were going to adjust my account for the bill date XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, but they still did not credit my account. Since XXXX did not adjust my bill for XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, it caused my account to have a balance of {$270.00} that is now being report by XXXX. I called Experian letting them know that a failed adjustment cause the balance and investigation is still being conducted. I asked Experian how can I dispute this account and the rep told me by law they do not have to delete or supply anything related to credit report. I ask him ( Experian ) what I need to do, he told me to send/upload documents related to my dispute. I told him XXXX verbally told me they were going to adjust my account. He ( Experian ) said he can only re-dispute if I supply documents related to a verbal call I had with XXXX two years ago. I told Experian how can I support documentation of a verbal call from two years ago and why did the credit bureau did not question a collection items dated two years ago that is currently being reported by XXXX XX/XX/XXXX. This account is still under investigation with XXXX and XXXX. I believe the laws protect me from this negative reporting until the investigation is complete. I thought the collection item should be flag disputing until investigation is complete. At this moment, there is not flag and I can not re-dispute unless I upload a document, which I feel is totally unfair. At the end of the day, who is there to protect consumers from these type of issues. This is so unfair and it should be required for a service company to send an email and letter to consumer when they request to terminate service for future instances that are similar to this particular issue.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I initiated a dispute with Experian, XXXX, and XXXX XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over 7 years old ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX XXXX XXXX, XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All three credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for XXXX, however XXXX did not remove the old item either.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

1- Experian XXXX XXXX XXXX XXXX Texas XXXX phone ( this # given o the report at File Is Frozen etc. '' will not accept my calls. 2- Experian says my " File is Frozen Due to State Legislation '' but will not allow me to access the file to determine exactly what is " state Legislation '' 3- XXXX XXXX XXXX used this Experian report / data to deny me three times a " Special Deposit '' account for me, and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX which I now dispute as false. 4-I told both Experian and CEO XXXX, XXXX XXXX XXXX XXXX, and others at XXXX XXXX XXXX that I am a XXXX status and thus " State legislation '' does not apply to me. ( see attached )
Consumer complaint received 2023-02-24
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. (VA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have rights to privacy and I did not give Equifax written permission to furnish these accounts. 

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 XXXXXXXX XXXX XXXX
Consumer complaint received 2017-04-28
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. (CA)

There was a credit account opened under my name due to identity theft. I disputed the information with  XXXX  and  XXXX  by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (NJ)

My mortgage company is Statebridge LLC have never received my escrow analyis for the upcoming year, have called several times to request it and find out what the new payment is due XXXX XXXX, still no response. They do not return calls, emails or faxes.
Consumer complaint received 2015-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Delbert Services (IL)

I was hoping by chance you could help me or guide me in the right direction. I received a loan from Western sky approx XXXX XX/XX/XXXX and around XX/XX/XXXX my loan was transferred than to XXXX for a few months, and then to Delbert services. I faithfully paid them {$750.00} per month and did n't really understand why my loan was transferred. By accident I was surfing the web to get Delbert services phone number and ran across the different complaints stating that the above lenders was fraud and no more payments should be paid to them. I cancelled my account they takes debits from. I 'm now receiving calls after calls from delbert services attempting to get payment. Each time they call I block the number and they call from another number. They are calling from all over the world. I asked XXXX of the representative if they were legal to practice in XXXX, IL and each XXXX said yes. I asked if they could send me proof that they are legal to practice here which I have yet to receive. How can I get them remove from my credit report if they are fraud? I obtained the order off Professional Regulation stating that Western Sky and its affiliates is ordered to cease and decease. I tried disputing Delbert Services off my credit report which they stated they have reason to believe the debt was mine. I never received a loan from Delbert Services it was transferred from Western Sky whom was not legit. Please help me. Thank you.
Consumer complaint received 2016-10-06
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

I called Ally on XXXX and asked what I needed to do to purchase my leased vehicle. She stated that I needed to pay off the amount to Ally and they would then send the title and another document for me to sign off on mileage. She gave me the amount of {$29000.00}. I call Ally back on XXXX to ask for the address to send my final payment. Once talking to this gentleman he told me my final payoff amount to purchase the vehicle was {$30000.00}. I said, but I was told two days ago the {$29000.00} and that was good until XXXX XXXX. He said, sorry, she gave you the payoff amount not the amount to purchase the vehicle. I said, I did n't think that was fair and I did n't understand. It seemed like a bait and switch. I hung up frustrated. I called back a while later and told the person who answered I had received XXXX amounts. She asked me the amounts and then asked me to hold. When she came back she said the correct amount was the lower amount. When I asked her why I was given XXXX different amounts she said the gentleman calculated it wrong. Here I sit without feeling comfortable that the amount I have is accurate. In addition, I feel they are being deceptive in the way they are changing the balance. I wonder if they have taken advantage of others this way. I also wonder if they have done other things to my account that would cause me to pay more than I owe - like they tried to today. Please look into this unacceptable culture they have at Ally.
Consumer complaint received 2015-03-21
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Delbert Services (VA)

Received a call from XXXX XXXX stating that they are collection from XXXX ( Delbert Services ) and I oweXXXX. They have called XXXX, home, cell and now work, which I work for the Federal Government. 
XXXX my cell, XXXX, brother-XXXX and now my work number XXXX. Request information about the company and she refused to provide any information she started yelling at me so I hung up.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

I have several incorrect addresses on my credit report. Equifax says I have to supply my driver license, utility bill and proof of address. I subscribe to Equifax 's credit monitoring. They know exactly where I live and how long I have lived there. This is just a stalling tactic.
Consumer complaint received 2015-11-25
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS (CA)

This office is calling me numerous times a day, to my self, my home phone, my spouses phone and also calls me at work when I have notified them not to contact me at work. I refuse to speak with them because they are very rude and demanding on the phone.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (TX)

I applied for a car loan thruough XXXX. I just received a denial letter. Whicj is fine. I know my scores are im the high XXXX. In the denial letter some company named XXXX had a way lower score. Who is this company. I have never heard of them. Theu are reporting incorrect information to companies and having companies deny us credit. This is not fair. Csm something be done?