davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
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 (GA)

PayPal without notice nor explanation closed my account, first claiming I violated their terms of use, and then later telling me that I was a high risk of fraud. The cryptic responses continued to talk about refunding buyers but thats not how I used this account. I sold nothing for which a refund would be due. 
As Ive been an identity theft victim, including through their platform, I should be able to know basic information when such immediate and drastic action is taken. If they know something I dont, then speak up. 
Their customer service is universally bemoaned as abysmal, and for good reason. Im shocked this companys practices arent illegal.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I've talked to the finance manager named XXXX at XXXX XXXX verbally at first. All he did was apologize and did nothing to correct it. XXXX XXXX   Ran my credit over 15 different times to various auto finance companies without my permission. I came to their dealership by appointment and with an offer letter and pre-approval from XXXX XXXX already.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XXXX XXXX XXXX I received a that XXXX was being deducted for a XXXX XXXX XXXX.I contacted chime support to let them know it wasn't me.I was told to turn off transactions on my card so no other charges would be charged.I kept my transactions off until XX/XX/22 as I needed to buy things I needed from XXXX which I made a XXXX XXXX pm this day I received a notification my checking account was being charged XXXX for XXXX.I contacted Chime support I was told I couldn't dispute this charge until it settled and to turn off my transactions my card until they send a new one.i received another text message from chime at XXXX pm support saying my card declined for XXXX because my transactions were turned off.i started the dispute XX/XX/22 only for them to close my dispute and tell me the funds that were taken from my checking would not be refunded
Consumer complaint received 2022-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (VA)

The complete short sale documents were sent originally to PNC on XXXX but then the POC said that we need to opt out of the DIL first and so we did and we were advised to resend the short sale documents - resent on XXXX. They then requested for missing documents on XXXX and we were able to send them on XXXX. Then on XXXX, they requested for another set of documents and those were submitted on XXXX. And then lastly, they requested for the same documents on XXXX so we resubmitted them right away but until now we still have not heard of an update or progress on the review.
Consumer complaint received 2022-07-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (CA)

My brother, XXXX XXXX XXXX, passed away on XX/XX/2021. My brother had a long bout with XXXX before he passed away. Beginning in XXXX of 2021 I have been trying to assume his loan along with seeking mortgage assistance from the assistance department. This process has been absolutley horrific. It took Midland Mortgage 4 months to send me an assumption package, while telling me over and over and over that it had been sent. I notarized and returned the package immediately, on XX/XX/XXXX, have called multiple times to confirm that they had all the documents they requested only to have them request the same documents over and over. I have sent his death certificate so many times that it is at the point that another request of this is inhumane and borders abuse. The same has happened with the Assistance Department. I have sent all the documents requested, have been told that my file is complete over and over, even in writing only for Midland to kick my file out for not being complete and place the property in foreclosure. I have been proactive, calling several times a week to make sure that my application and assumption is on track. I have been told that it is only for someone else to kick out my file and request all the same documents over and over again. This needs to be resolved and regardless of all my efforts Midland Mortgage has still be unable to make this happen. It's absurd.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed. Please remove these accounts as soon as possible.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XX/XX/year> Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer - XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I have a number of inquiries on my credit report that I didnt authorize. 

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 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 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 2022-07-11
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. (FL)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Those debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX loan is showing the incorrect balance on XXXX and Experian. I reached out to XXXX XXXX XXXX and was told to dispute the balance with the bureaus. I did that and the bureaus are saying the information is correct, but is showing that the account has not been updated since XXXX.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Reporting Act, the following accounts have violated my rights 15 USC 1681 section 602 A states that I have a right to privacy 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instruction XXXX REPORT XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX  Accounts # XXXX # XXXX # XXXX # XXXX TRANSUNION REPORT XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX  XXXX  # XXXX XXXX  # XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX XXXX REPORT 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 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Credit Management, Inc. (AR)

XXXX XX/XX/2020 in the amount of {$1400.00} This was not my bill, someone use my name at hospital to seek treatment. I advised the hospital that it wasnt me and I was living out of state at the time.
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Citizens Bank bought my mortgage in early XXXX. My payments were fixed at {$3200.00} monthly paid automatically from my checking account. My escrow payments went up for real estate taxes and insurance. The company sent me a letter on XX/XX/XXXX saying the payments would go up automatically, or " If you'd like to pay the ENTIRE ( my emphasis ) escrow shortage/deficiency amount of {$1100.00} that's shown on your enclosed Annual Escrow Statement in one payment please mail us the coupon below along with your check. '' Which is what I did. 

Below is a Note saying : " Even if you pay the full shortage amount, your loan payment may still increase if your property taxes and/or insurance premiums increase. '' Naturally, I didn't think it meant BOTH! My next payment was increased to {$3300.00}. 

I have always paid my escrow increases to keep my payments level and avoid confusion, and have done it probably 15 times over the past XXXX years of home ownership. This is the first time I've seen this. It's very misleading, deceptive and there is no reason they shouldn't allow me to pay the full increase to keep payments the same. They make more money by splitting it, I'm sure ( otherwise, why force me to do it? ).
Consumer complaint received 2021-04-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

LAST YEAR MY CREDIT CARD WAS STOLEN/ LOST WHEN I WAS VERY SICK WITH THE XXXX AND IT WAS CHARGED WITH ONLINE TRANSACTIONS. I DID NOT RECOGNIZE THEM AND I SAW THOSE TRANSACTIONS IN MY CREDIT CARD ACCOUNT OF BANK OF AMERICA, I CONTACTED THEM AND AFTER I RECEIVED A LETTER OF THEM AND I RECEIVED A CREDIT FOR THOSE FRAUDULENT CHARGES. ON XXXX I SENT TO THEM A POLICE REPORT BUT THE BALANCE OF {$2.00} PLUS FEES NOW IS {$2.00} STILL THERE, SO, I CAN NOT PAY FOR FRAUDULENT CHARGES
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BERKSHIRE HILLS BANCORP, INC (NY)

On XX/XX/XXXX, I opened both a checking account and a savings account with Berkshire Bank. I deposited {$9900.00} into the checking account and {$5900.00} into the savings account. These accounts were successfully funded, as the original payments were charged to my external bank account at XXXX ( XXXX XXXX ). 

However, when I attempted to initiate an external transfer from my Berkshire checking account to my XXXX checking account, as well as to pay my XXXX credit card, the transfers failed. Berkshire Bank did not notify me that these transfers were intercepted, nor did they inform me that I do not have full access to the funds in my accounts. Instead, I was notified by XXXX that the transfer and credit card payment were returned. 

Additionally, when I contacted Berkshire Bank regarding the issue, I was informed of the following : As the account holder, I currently do not have access to withdraw funds from either of my accounts. 
No timeline has been provided for resolving this issue, and there has been a lack of willingness to collaborate on a solution. 
I have not been given contact information for the department or personnel handling my case. 
Both the customer service representative and the manager I spoke with were unable to provide me with a reference or case number for follow-up, suggesting possible mishandling by Berkshire Bank XXXX 
Given that the total amount involved exceeds {$10000.00} ( {$9900.00} from the checking account and {$5900.00} from the savings account ), I request the immediate release of my funds. Please address this matter promptly, as the current lack of access to my own money is unacceptable.
Consumer complaint received 2022-06-30
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: Exeter Finance, LLC. (CA)

In accordance with the Fair Credit Reporting act, Exeter Finance LLC acount # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-11
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. (GA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.5. The following account was a Charge-off. 
6. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 



15 U. S. C 1681 section 602 A States I have the right to privacy.

15 U. S. C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Citi Bank ( credit card ) charged me a fee for a returned check and disabled my credit card from use, without any notification to me the card holder ( no email, call, text, etc. ). However, the payment which they claim was returned shows as posted. My account balance shows as paid and within my credit limit. 

I called Citi bank to ask why my account had been disabled. They informed me that I needed to make a payment, so I made another payment but still my card was disabled and not working. Then when speaking with a supervisor in the call center they informed me that my payment had been returned, despite showing as posted. They shared that Citibank provides consumers no notification when this occurs and does not make the returned payment visible to the card holder. The only way for me to know it was returned would be to see the returned check charge posted to my account. They also informed me that I now had a " double payment '' situation. Since they will still attempt to draft my original payment and now they will attempt to draft the new payment which I was told to submit. They have no way to stop these payments and if I don't have the money in my checking account for both payments, I will be charged another over draft fee ( and potentially a second overdraft fee from my other bank ).
Consumer complaint received 2021-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

Mr Cooper purchased my mortgage from XXXX XXXX XXXX  back on XX/XX/2019. 
I have made every mortgage payment in the history of my loan. No late payments no missed payments. 
I purchased my home for $ XXXX total. I put down XXXX bringing my starting loan balance to {$300000.00}. 
To date I have paid {$8700.00} towards principle. I would expect Mr Cooper to reflect my outstanding loan balance as {$300000.00} - {$8700.00} = {$290.00}, XXXX unpaid principal balance. 
Mr Cooper is reflecting my unpaid principal balance as {$300000.00}. 
This is a huge issue and I need someone in authority to correct. 
I have ALL my statements showing every principal payment and amount as well as my starting loan balance.