davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NY)

Over & over my clients are reporting they are unable to pay PayPal invoices I send to them. The ones that call me, when I have called PayPal with the client on the phone, report that PayPal is telling us that their " internal security module '' is blocking my ability to get paid & my clients ' ability to hire me. Most of these clients never call me to tell me that they are having these problems with PayPal & I simply never hear back from them & lose the business. PayPal is therefore operating to destroy my law firm business w these secretive, arbitrary denials of my good clients with good money & their ability to do business with my law firm. I want to know what exactly is contained in these " internal security modules '' & why they are picking on me & my business & not others. Even worse, PayPal never notifies me when a potential client tries to pay so that I can contact them to obtain some alternate form of payment. Or PayPal makes them open up a PayPal acct which is overly intrusive.
Consumer complaint received 2016-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (CA)

IC Systems is reporting a collection to the credit bureaus that was the result of identity theft. I have never done business with XXXX and/or IC Systems. The acct # is XXXX for an alleged {$200.00}. This collection account is fraudulent and extortion. I sent IC Systems a cease and desist letter that was delivered XXXX. USPS tracking # XXXX. As of today 's date, the fraudulent collection is still on my credit report. It is causing me harm and damages as I have been declined a small business loan due to the item being on my credit report.
Consumer complaint received 2017-02-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I have made several attempts to correct this problem, but it seems my account continues to be reported incorrectly, even after speaking to a person at the corporate offices. I have submitted XXXX other complaints about the same problem in past ensured during the complaints that the account would be reported correctly on all XXXX credit reports but to this date the account has not been reported correctly. After I submitted my last complaint all of my credit files reported correctly besides my XXXX stating that I owed {$890.00} ( The balance was never {$890.00} ). Today, I pulled my credit reports and now they are stating that I owe {$290.00} and status is & gt ; Charged Off & lt ;. I was told when I settled the account, the account would state that it was paid and in good standing. This XXXX account has effected my credit report for over a year due to the companies incorrect reporting on my credit reports.
Consumer complaint received 2023-02-07
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. (MD)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2015-04-22
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (CA)

PayPal had limited my account last year ( PayPal ID : XXXXXXXXXXXX ) and I had filed a complaint with CPFB, to which PayPal had responded. In this CPFB case case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm still not able to withdraw my funds in my Paypal account. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DE)

On or about XXXX XXXX, I attempted to deposit 68 XXXX series savings bonds into an existing account at M & T bank in XXXX, DE. I was informed by the branch the bonds had to be sent to their main branch for processing. Long story short, after two weeks and being told they were still being processed, I received a call stating the bank no longer processes bonds. Even though the bonds were not processed, the bank stamped them and now the bonds can not be cashed by another bank. In order to cash them, the original bank needs to send me a letter giving the treasury permission to cancel the stamp in addition to submitting a special form to the treasury and now mailing them into the treasury.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX XXXX Bank, I sent a letter along with a check to XXXX XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX XXXX Bank on XXXX XXXX, 2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX XXXX, I then spoke with XXXX XXXX on XXXX XXXX, 2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (LA)

have made XXXX 8 month payment on time and refused to removed potentially negative on a active account. XXXX I did a them modified my loan my of last years and for XXXX, XXXX and XXXX 2015 i did trial period payment of around XXXX each. My payment after trail period is XXXX on my credit report its shows XXXX 30 days pass due. XXXX shows 60 days pass due, XXXX shows 60 days pass due.That 's were the credit reporting company are showing me pass due .please make them correct this.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Some woman bought mattresses ( or something else ) from XXXX XXXX and gave my name and XXXX address as the buyer. I am not the buyer, the signature on the bill is not mine, I was not in the US at the time ( I live most of the year in XXXX ), the credit cards she gave are not mine, the address to which it was shipped is unknown to me. This is patently fraud and I do n't know how a reputable business could have accepted the purchase. I found out about this when I arrived at my XXXX address on XXXX XXXX, 2015. I had n't been back since XXXX 2015. I have notified Experian and XXXX.
Consumer complaint received 2016-09-26
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (CA)

I started receiving calls daily, sometimes several times a day, from Quicken loans about a refinance. Today, I received an e-mail that is quite deceptive, requesting my income documents : 2015 XXXX and a recent paystub within 30 days. The email message was titles " Quicken Loans Message : Loan File - Legal Questions and Docs Needed '' It sounds like if I do n't do this I am going to be in trouble or have some negative consequence on my existing account. It also at the end says " Once I get these, I will be able to send everything out to your MyQL account, where we can go over everything and e-sign documents. '' Never once in this email does it indicate that this is to apply for a refinance or change any of the parameters of my existing mortgage. For unsavvy consumers, this is a deceptive process made to appear that this information is necessary to update existing mortgages.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (SC)

I booked a cruise on XXXX cruise line on a Barclay 's XXXX card. The cruise was paid off in the winter of 2019 pre covid. The cruise ( a transatlantic cruise ) was cancelled by XXXX due to covid and the cruise was moved to the XXXX transatlantic cruise, which was also cancelled. At this time I have requested and received a refund from XXXX XXXX line for the cruise. Unfortunately, they returned the money to the card that I purchased the cruise on - my now closed ( due to awful customer service ) Barclay 's card. Although XXXX processed the refund and I verified it, I can not find anyone at Barclays to help me get my money back. I've called at least half a dozen times just today to either be hung up on or put on terminal hold. They are sitting on money that is mine, and I can not find a single person who can help me get it returned.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (NY)

My husband and I refinanced a loan with XXXX XXXX XXXX using Quicken Loans as our new lender. This was a XXXX loan executed in NY. Our closing with Quicken was on XXXX XXXX. I received the updated closing packet from Quicken on XXXX XXXX, two days AFTER the loan closed which meant I had no accurate documents to review that referenced costs. At the closing we were told we owed a check to XXXX XXXX which is an affiliate of Quicken ( apparently Quicken controls the title company and the appraising company on their loans and sends a disclosure for same ) in the amount of {$570.00} for interest which I thought was odd since there should have been enough money available to cover all costs ( and the closing documents we did receive stated we would owe {$160.00} ). We cut this check for {$570.00} at the closing. When I received the proper closing package on XXXX XXXX, two days AFTER the closing, I sat down to prepare a closing statement and realized what went wrong. Also, please note no copies of any checks cut by us or by the lender at the closing were provided. Quicken had used the calculation on the XXXX XXXX XXXX payoff for the final day of interest. So even though the loan closed on XXXX XXXX, they used XXXX XXXX to calculate interest owed. This was not necessary but would not have in and of itself been an issue because XXXX XXXX XXXX would simply refund the overage when reconciling the escrow account. What happened next however was the basis of this complaint. In short, the following transpired : Quicken closed our loan without us having documentation on XXXX XXXX. Quicken considered their loan closed on XXXX XXXX. Our payoff check was not received by XXXX XXXX XXXX until XXXX XXXX. A maximum of TWO days is industry standard for funding a " same day loan '' ; not XXXX. Quicken 's process took eight days to get a payoff check to our prior bank resulting in us having to pay an additional 6 days of interest to same. Meanwhile Quicken considered their new loan closed on the XXXX. And so, we exert the following : Our Bank of America Loan cost us {$130.00} in interest per day. XXXX X XXXX = {$830.00}. This is the sum that Quicken owes us. Quicken mailed us a check for two days interest in the amount of {$270.00}. We stopped the check for {$570.00} representing interest to their affiliate XXXX XXXX upon receiving the proper closing packet two days after the closing. XXXX + XXXX = {$850.00}. By our calculation we now owe Quicken XXXX - XXXX = {$24.00}. We offered to send a check but were told by Quicken that this would not be acceptable and that they would be addressing the issue with their legal team. We have now filed this complaint in response to same. Attached you will find all supporting documentation. We also have an email chain reflecting same.
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

I have wanted to open accounts with Wells Fargo which I had an account previously and all of the major banks XXXX XXXX XXXX XXXXXXXX ) and unable to open account due to fraud which was never committed. This information was reported to XXXX XXXX.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (WI)

I am writing in regards to reporting issues with this closed account on my credit reports. There are serious errors in reporting on each bureau that clearly shows different payment history on each report which has directly affected my credit standing. This has been challenged multiple times and continues to not be updated by the bureaus despite being sent the reports of the inaccuracies. Per the FCRA this is a clear violation in reporting accuracy. I want this account removed immediately from my credit reports due to inaccurate reporting and the decline of my score that has came with it.
Consumer complaint received 2016-03-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

We are looking at a XXXX in NJ. The XXXX was for closed and is now owned by Nation star Mortgage. Nation star is requiring all potential buyers to be pre-approved by Greenlight loans, LLC., regardless of having a pre approval letter from another lender ( which we do ). Greenlight loans is a division of Nation star Mortgage. Nation star in no way reveals to potential buyers that they own Greenlight. So we have a seller requiring us to get pre approved with their own mortgage company which they own and directly will benefit from. 

I feel that we are being steered and pressured to use their own mortgage company. Additionally, I am concerned that they will not do due diligence in our pre approval as our income is largely XXXX and Schedule E ... our current pre approval was done by a very experienced broker and underwriter who took a great deal of time to look at all of the details. 

Lastly, I would like to remain anonymous as I do not want to hurt our chances in purchasing the property.
Consumer complaint received 2016-02-26
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (ID)

I refinanced my home with Quicken loans, VA financing. I had cash back to pay off credit card debt. XXXX check in the amount of {$4.00}, XXXX was made out to XXXX XXXX. I took the check to the XXXX XXXX, ID store and paid the bill at the customer service counter. We received a letter in the mail today informing us that Quicken loans recalled the check for unknown reasons. I am paying for this loan ; I work XXXX hours per week and my wife is on Social Security. I can not afford to ignore {$4500.00}! My mortgage is {$680.00} per month and I am considering not making a mortgage payment until my money is returned with along with a written apology letter! By the way, I have a {$25.00} service charge to pay XXXX due to Quicken XXXX up once again! Not to mention he fact that it took us 7 months to complete a VA refi with Quicken ( actually they should be called Slowen loans ) and we just closed on the loan less than 30 days ago! Then their check bounces? Give me a low grade break already! I have had nothing but problems from Quicken loans, I 'm a Veteran and I 'm not going to take it anymore. I plan to file a complaint with anyone who will listen.
Consumer complaint received 2016-02-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (NY)

We are becoming victims of dual tracking while under review. 

On Thursday XX/XX/2016, obtained order from Federal Judge referring us to the mortgage modification and mediation program. We submitted a modification package. The bank 's lawyer XXXX is fully aware that it is against guidelines to have a sales date if a complete package is presented for review at least 37 days before the sales date. On Monday XX/XX/2016 she filed a motion in state court asking for a sales date. The bank is displaying unclean hands and no good faith.
Consumer complaint received 2016-02-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: DISCOVER BANK (MD)

I do have a cash back checking account with Discover bank XXXX XXXX XXXX XXXX, UT, XXXX, and the XXXX number is XXXX and the account number is XXXX ). The Discover bank mistakenly input my bill payment amount as of XXXX dollars paid to my Discover Card on XXXX XXXX, 2016. The statement balance of my Discover card is just XXXX dollars. Apparently this transaction is voided. But, Discover bank billpaymnet service provider XXXX tried to withdraw the invalid fund from my cash back checking account with Discover bank twice on XXXX XXXX and XXXX, 2016 without my knowledge, which led to insufficient fee charge of XXXX dollars against my cash back checking account on XXXX XXXX, 2016. I need Discover bank to return the insufficient fund fee charge of XXXX dollars posted to my account on XXXX XXXX, 2016.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (OR)

I applied for a Discover it* card on XXXX XXXX when there was a {$50.00} XXXX XXXX XXXX offered for approved customers. When I applied I clicked directly on the link that was presented to me on the XXXX website. Bear this in mind, as it comes into play further on in my story. I waited and waited to receive this reward. Finally, I contacted Discover card customer service. I am told that I selected a 0 % card, and not the gift card option. As I explained in a string of email correspondence to several Discover card representatives, I would NEVER chose that option, as I pay my bill in full every month, so a 0 % card is not of benefit to me. I was told that was MY mistake, they can do nothing to correct the issue or make good on their offer. Basically, they do not care about honesty in promotions, or in living up to their offers. I feel this is a classic bait and switch scenario, as I was only presented with the XXXX offer, not multiple offers to chose from.
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

I have made multiple attempts made to make principal reduction to my Mr. Cooper mortgage only to have check returned. This started on XX/XX/2020. 
They have charged me over XXXX dollars in interest and still not addressed the issue. 
These checks where sent in with my monthly statement with specific areas of the bill filled out to reflect extra principle payment to be applied. They continually state in the letter returning check that I have not sent certified funds to pay off loan. 
To be clear this was not a payoff it was a payment with a principle reduction added only not the pay off amount. 
I have spoke to at least 5 people with no resolution. 
Mr. Cooper is scamming people please help.