davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-20
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

I sold products on EBAY through PayPal. They knew I hadchanged my bank as I let them know. There seemed to beno problem taking my money out of the new bank when Ipurchased something. But the money they owed me stillis in their hands. Several phone calls later they assuredme that it was taken care of and I still see they still have it
Consumer complaint received 2017-03-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (MD)

I received an attempt to collect a debt by XXXX on behalf of I.C. System, Inc. and I requested debt validation. I have yet to receive validation of this debt. Instead, I received a letter from XXXX stating that the account has been closed and returned to their client I.C. System, Inc.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (GA)

XXXX is adding XXXX $ XXXX $ late fee after monthly payment has been made. Payment due date is less than 28 days from receiving actual bill XXXX, XXXX. XXXX, XXXX. this has not been consistent since opening. According to Credit Card Act this is illegal and I am owed almost XXXX $ plus interest.
Consumer complaint received 2016-07-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (ND)

Paypal notified me that I had the option to use the feature called pay after delivery. They also indicated I could turn on and off the feature as I wanted. This is untrue as now I 'm being told the system decides if I can or can not use the feature and there is no way to know until after I make a purchase even though my PayPal account says the feature is on. Its only fair that a consumer should know in advance what payment options are available to them before they purchase an item not after. It 's almost like a bate and switch. I bought the item believing I had been given 14 days to pay, then when I go to check out the payment option is switched to pay immediately. Then the next time I might buy an item thinking I 'm going to pay immediately the system decides to put it on pay after delivery. The consumer should be deciding how they want to pay for their purchases and know what options are available to them before they purchase an item. This is unethical and untruthful lending practices!!
Consumer complaint received 2016-05-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (TX)

I have applied for a Paypal account many times over the last year. According to paypal Credit my information is confused with another individuals credit and thus they think I have an account. Their security department has not been able to resolve. I sent a letter to XXXX XXXX SVP, XXXX asking his office to escalate and they replied they could n't extend credit at this time. I have received this response probably 10 times in the last year but no one ever tells me why. 
According to the security department its because the credit application never flows through the system. 
I have two concerns : 1. I am very concerned that some one elses credit is confused with mine in their system. 
2. Their lack of urgency to resolve this issue is very concerning as an individual. The fact that they seem to not care that their system could be providing another individual my credit information is not responsible for a credit issuer. 

PLease help me to resolve this issue.
Consumer complaint received 2016-06-23
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Nu World Title, LLC (FL)

I 'm filling a complaint against Nu World Title XXXX, LLC at XXXX, Florida XXXX. ( phone XXXX ) On XXXX XXXX 2016, My wife and I sign the papers for a new house at Nu World Title XXXX. The signing was very cold and not very professional and the person assign to closing was n't either. After the closing and sending the funds to the attorney we did not get our keys to house until the next following week Monday afternoon. ON XXXX/XXXX/2016 our lender from XXXX. text me on my cell phone that we had to come in to the office and sign for a new disclosure papers. Because Nu World Title XXXX, LLC used their paper for the closing. Our lending agent XXXX XXXX tried to explain what happen but we look over paper but we decided not to sign anything until we see an attorney first. The Nu World Title of XXXX, LLc use other lending papers to closing our house deal. My next step to inform the Veterans Regional office of the problem.
Consumer complaint received 2016-04-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc. (CA)

Progressive Management Services refused to negotiate on this debt even though I told them I could n't make it to the next hospital where my XXXX condition would have been evaluated for free. ( VA hospital as I am a Veteran ) Also they are n't reporting the amount I have already paid to the {$1400.00}. I am still owing {$300.00} bout it 's being reported as a {$2000.00} debt. I told them I needed it paid so I could refinance my mortgage and she laughed at me when I asked her to negotiate. I feel this unfair, prejudice and unreasonable of this company.
Consumer complaint received 2022-08-04
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)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX XXXX has old account information on my credit report that is over 7 years old. I  have disputed it for a long time and they refuse to remove negative item.
Consumer complaint received 2017-02-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

My wife and I were involved in a XXXX accident on XXXX XXXX, XXXX in which our leased vehicle, a XXXX XXXX XXXX was a total loss. We contacted XXXX Insurance on XXXX XXXX, XXXX after spending approximately 8 hours in the Regional Medical Center, XXXX XXXX XXXX XXXX, XXXXXXXX Phone # XXXX where my wife was treated in their Emergency Dept and released. Since that date, XXXX XXXX, XXXX, we have been in constant contact with the named insurance company and more importantly, ALLY who financed the transaction with XXXX XXXX of XXXX XXXXXXXX 
I was in contact with the insurer through a XXXX XXXX, Adjuster with XXXX Insurance in their offices at XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone # XXXX, Extension XXXX under claim # XXXX on numerous occasions up to this date, XXXX XXXX, XXXX. My complaint is this : ALLY has continually contacted me by phone as early as XXXX on Sunday Mornings and later in the same day dunning me for payment. XXXX XXXX with XXXX Insurance has stated to me, and verified the payment by ALLY on numerous phone calls they have received payment in the amount of {$22000.00} a figure that XXXX Insurance deemed the total loss value of the vehicle along with a payment I made of $ XXXX " after the accident in question '' to insure my credit rating. ALLY continues to harass me with telephone calls at least 3 times weekly where their Total Loss Department of the same company, ALLY, tells me not to send any more money -- let me interject here for a second -- I just received another phone call from ALLY while I am writing this complaint from someone named, XXXX. This is beyond comprehension. I do n't know what else to add to this complaint, I am at wits end.
Consumer complaint received 2020-10-05
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, new jersey XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: MRS BPO, LLC (MA)

This company is a 3rd debt collector trying to collect the same debt. That is not the problem, how ever they are calling me every other day and up to 5 times a week at different times a day and night. Every day, every week, every month since XXXX XXXX. Its a recording of the same information, " This is XXXX XXXX of MRS Assois, calling about a debt, please call XXXX '' then it hangs up. Since XXXX of this year. 

Before that, The XXXX debt collector was XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX back on XXXX XXXX, XXXX then the debt was giving or sold to XXXX, XXXX XXXX, XXXX, XXXX XXXX which was on XXXX XXXX XXXX Then again the debt was sold or given to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as of XXXX XXXX XXXX and now this NEW debt collector now has the debt. The debt has been sold, charge off, or given to other debt collectors for the past XXXX-3 years and i do not know who really is the REAL collector of said debt.
Consumer complaint received 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TrueAccord Corp. (CA)

On XXXX XXXX, XXXX, I purchased online what I thought was a one-time order of XXXX XXXX XXXX for my son. I paid {$39.00} for the shipment and it was supposed to last 90 days. My son used it for about 60 days and we saw little distinguishable difference in his XXXX and I placed no other orders. 

In XXXX XXXX, we relocated to California and filed a change of address with the post office. In XXXX XXXX, I received a notice from XXXX XXXX company, who sold XXXX at the time, that my payment was past due for a shipment sent to us in XX/XX/XXXX. 

I contacted XXXX XXXX at that time and told them that I did not place another order other than the initial one and that I had received no other shipments. I was informed during the call that by placing the initial order, I automatically enrolled in future shipments. I told them I wanted no more shipments and that I would not pay for a shipment that I had no knowledge of nor had ever received. At that time, I was asked to sign a Claims Never Received Affidavit, which I did on XXXX XXXX, XXXX of which I still have a copy. 

I received XXXX other bills on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, indicating that if I did not pay I would be submitted to a Collection Agency for the same shipment, but as instructed in the Claims Never Received Affidavit, I disregarded them with the understanding that once my signed affidavit was received, my account would be credited for the shipment. I received no future communications from XXXX XXXX and assumed this issue was resolved. 

On XXXX XXXX, XXXX, I received the XXXX in a series of XXXX emails from a company called TrueAccord, a debt collection agency indicating they were collecting an unpaid debt to XXXX XXXX. I still contend that I never placed a XXXX order for XXXX, that I never received a XXXX shipment and that from my perspective, I have made all appropriate attempts to resolve this matter. I now need help to ensure this company does not continue to harass my for collection and negatively affected my credit rating.
Consumer complaint received 2015-12-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

This is concerning my checking account with FirstMerit Bank. I deposited my payroll check for {$990.00} on Saturday, XXXX XXXX, XXXX. Today, Monday XXXX XXXX, XXXX, my funds are still not available for withdrawal. I called the bank and asked why this is the case, and XXXX the branch manager at the XXXX XXXX location in XXXX, Ohio told me that this is their policy and that it will be available tomorrow. If Saturday is a business day on which a check can be deposited into a bank, directly to a teller via their drive through ( not an ATM ), then it counts as the business day on which the check was deposited. Today would qualify as the business date after the date on which the check was deposited, and according to the Expedited Funds Availability Act of XX/XX/XXXX and Reg. CC, I should have AT LEAST {$200.00} available to me out of that check. Currently, my previous balance, not including my pay check, of {$57.00} is all that is available to me. FirstMerit Bank is violating federal law by withholding my money from me and I want them to stop doing this. None of the stated exceptions apply to my transaction - the check is not fraudulent, I have not overdrafted my account, the check is not being re-presented for cashing after not clearing, none of it. I do not have direct deposit available to me through my employer and I should not have to go to check cashing places and pay a fee when I have a perfectly good checking account.
Consumer complaint received 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (PA)

Penn Credit is stating I owe them,XXXX I never had such agreements with this company and its not legal for them to get information about me from another company.They must be confused or just trying to scam me.I want this account removed soon as possible.
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (FL)

On XXXX XXXX XXXX, I received a notice by mail from PennCredit Corp ( XXXX XXXX XXXX XXXX, XXXX ) attempting to collect an outstanding electric bill from XXXX XXXX ( XXXX, XXXX ) at a previous address which I no longer resided for service dated XXXX XXXX, XXXX. Due to an error by XXXX XXXX, the service was not disconnected on the requested date and instead was billed to me for a service period in which I had already relocated to my newly purchased home. My attorney ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) sent a US Postal Service certified letter to PennCredit requesting verification of debt, as well as instructions to cease all further communications to myself pursuant to 15 U.S.C.1692 ( c ) except for communication necessary to forward the debt verification information requested, as well as documentation showing PennCredit had registered with the office of Financial Regulation as required by XXXX Statutes. No further response was received from PennCredit in XX/XX/XXXX. On XXXX XXXX XXXX, I received another letter form PennCredit for the same alleged debt, once again lacking any documentation requested in the certified letter sent to them on XXXX XXXX, XXXX. At this time, It is my belief that PennCredit has violated the Fair Debt Collection Practices Act pursuant to U.S.C. 1692 ( c ) by contacting me directly without the requested validation of debt as instructed by certified letter, by contacting me directly when a cease communications was requested by certified letter, by failing to provide validation of debt and company registration within the required 10/30 day period, and by attempting to collect an invalid debt after an expired statute of limitations.
Consumer complaint received 2016-02-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NH)

I was refused principal reduction by seterus inc on behalf of XXXX, and instead was modified with forged documents ( I never signed the modification ) adding 14 years to my obligation as well as thousands of dollars added to the principle. throughout the last couple of years I have been harassed, trespassed against, belittled, disrespected, mislead, directly lied to ( with material evidence to prove ), by agents of XXXX and seterus. my loan would qualify for the settlements with XXXX but I was XXXX with the airborne so I was protected from foreclosure by the SCRA, XXXX could hide the loan from the reviews, XXXX also was fully aware of the tumult situation I was facing do to being on orders away from the home and forced to rent it at a nearly XXXX % deficit throughout my service as well as after discharge since it was rented to a XXXX couple who have XXXX young children and I could not evict them. I have been shaken to my core by the derelict conduct of seterus, XXXX, NH governor, our NH federal representatives, organization who look only at the barrower with no attention to the impacts of other markets having fluctuated to negativity impact mortgage situations. What a freakin joke to say we are free, free to be financially enslaved by tyrannical companies that government is in XXXX bed with????? it 's such total XXXX that now XXXX is falling out of websites like yours that offers " help '' and out of the mouths of our public and private leaders. 

Prove this combat veteran wrong, restore my faith in this democracy by bringing swift justice to seterus by revoking the charter that gives these despots life and protection. I must be a fanatical patriot, an extremist, to say such things you may think but I say you must be mentally handicap to not see our country being steamrolled by foreign interests and A-moral business practices.
Consumer complaint received 2016-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (NY)

They are calling the above number about XXXX4 times a day. When I finally answered and requested the name of the creditor they would not let me know. They asked me to verify my address which I would n't due to issues regarding previous issues with my identity. The number they are call is not a number that I would use regarding any credit card or loan that I would take out it is a second line in my house that I use for my business. Also I have never received any notices in the mail regarding the debt they are trying to collect. If they have mailed notices they obviously went to the address that is using my name and therefore this is not my debt.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (IL)

I am upset with the way Ditech has handle my loan. I have applied for a modification since XXXX XXXX. I faxed all the additional documents that were requested by Ditech and have yet to hear from them. I honestly thought I was being helped but I have been deceived. On XXXX/XXXX/2016 I spoke with agent XXXX Id # XXXX from the loss mitigation department and was told there were no new notes regarding my loan and that it was not yet with the underwriter. This was a major shock for me because I have done my part and provide everything I was asked for. Ditech has prolong my case because I am current on my mortgage payments. I had to escalate my file and spoke with manager XXXX ID # XXXX on XXXX/XXXX/2016. I told him my concerns and he reassure me that he was going to notate my account so when I call I can be provided with an update. I called today XXXX/XXXX/2016 and spoke with agent XXXX ID # XXXX. She just told me about the conversation I had with XXXX on XXXX/XXXX/2016 but again there were no new updates available At this point I am more than sure that Ditech is purposely prolonging my case so I can keep making the high mortgage payment knowing that my home is severely under water. I want my loan to be review based on the current value and my monthly income. Please considered me for the My City modification.