davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I opened a Paypal Business Account on XX/XX/XXXX. I have been a customer of Paypals since XXXX -- almost a decade. I have previously had both a personal account as well as a business account and have never had any prior issues. I decided to open a new business account since I have started a new venture and would like to separate the finances from my other account. 

On XX/XX/XXXX I received an email with the following subject line : We need some information regarding yourPayPalaccount. ( Ref ID XXXX ). The email read that I needed to provide some documents and my account is limited and I won't be able to send payments or withdraw my funds. On XX/XX/XXXX through XX/XX/XXXX I uploaded and provided them the requested documents ( Passport, SS #, etc ) as well as tracking information from the first three purchases on my website. On XX/XX/XXXX I received an email with the subject line : You can no longer do business withPayPal ( Ref ID - XXXX ). Immediately after, on XX/XX/XXXX at XXXX XXXX  EST I called Paypal Customer Service and had a 58 minute phone call with them. I asked for the reason why my account was permanently limited. The representative told me that they can not tell me the exact reason, but that the decision is final and can not be resolved. I asked them if this was a misunderstanding and if I had potentially uploaded a file wrong or if they needed any additional information. They said no and said that my information was high risk or possibly fraudulent. I asked for specifics so I could simply fix the issue, but they said no and assured me the decision is final. I asked to be transferred to someone higher up in their department. I was transferred to a man named XXXX who is a department lead and he told me all the same things. He told me that an individual from his team had reviewed the information I had submitted and that I was flagged as a potential risk. I got off the phone with no additional answers or explanations and I am at a loss. 

I am very frustrated because I have been a customer of Paypals service for literally a decade. I have never once had an issue. I have never made a fraudulent purchase or sale. I have always provided the information they needed from me at the time it was requested, and I have always had the same bank account. There has literally never been an issue. 

There is {$69.00} stuck in the account and I can not withdraw the funds for 180 days and Im not sure I can after that either. Paypal is keeping me in the dark on this decision and process. I have stopped taking payments through PayPal on my website until this is resolved. Paypal also conveniently took their fees out for themselves before shutting me down.
Consumer complaint received 2021-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I believe your company is not in complaint because when I try to research these accounts you have on my credit you do not provide the full account number. Therefore, I can not confirm the accuracy of these accounts with no account numbers showing fully. Remove these accounts from my credit report. Reporting this stuff is very misleading is a violation of the United States Code Law. 
FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The account is INACCURATE and I'm seeking LITIGATION REMOVE/DELETE IMMEDIATELY. 
15 U.S. Code 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have always paid this on time again this Account Has always been PAID AS AGREED on time Please REMOVE INACCURATE reported late payments please update to PAID AS AGREED.
Consumer complaint received 2021-09-16
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 — Investigation took more than 30 days
Company: Onity Group Inc. (NC)

Reviewed credit report & found several discrepancies. PHH mortgage services, DBA XXXX  XXXX  c/o PHH in North Carolina XXXX Formaly known as Ocwen until XX/XX/XXXX as they had been Banned from DB in NC and multiple other State throughout USA for the same practices that their affiliates seem to use the same template. XXXX Ocwen transferred to another Co PHH, I paid the last payment in XXXX for XX/XX/XXXX. XXXX, never recorded to new debt collector. Company continue to report negative incorrect payments on credit reports,. Disputes with retaliation from Company. Fact Disputed 30 day late fir XX/XX/XXXX, hHave had NO late payments. This resulted in removing the XX/XX/XXXX & marking XX/XX/XXXX as late! This payment for XXXX was posted on XX/XX/XXXX. I can not dispute online anymore and Im fed up with constantly spending time on this and all the fraud this company and all their affiliate bullies continue to practice. I would like for this to be resolved. Thank you XXXX
Consumer complaint received 2021-09-17
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 (WA)

My credit card was stolen on XX/XX/XXXX. It was last seen in XXXX XXXX on XXXX XXXX before heading to a friend 's house in XXXX, WA. I was not aware that it was out of my possession until XX/XX/XXXX as I thought it was at my partner 's house in XXXX XXXX. When I logged into my BAnk of America account I found that XXXX was spent on my card at XXXX XXXX in XXXX, XXXX in XXXX and XXXX in XXXX XXXX as well as XXXX 's in XXXX XXXX. I have never spent money at a physical XXXX location nor have I spent that much money in a 24 hour period shopping in my entire credit card history. I reported the card as stolen to the bank and the bank gave me a temporary credit but then later determined that I was responsible for the charges as I had authorized someone to my account. As of XX/XX/XXXX the credit card company declared me responsible for the stolen charges as well as any interest accrued thereafter from those purchases. I appealed the decision of the credit card company twice who then said this type of charge was consistent with my purchase history. Nowhere in my purchase history have I spent more than {$500.00} at a physical location at a store or more than {$2000.00} in less than a 24 hour period. I have a police report on record for the stolen credit card. I am the sole authorized user of the credit card for my business and never authorized anyone to make purchases for me. 

The following were purchases not made by myself : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's : XXXX
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have mailed off numerous letters to the credit bureaus to remove incorrect information that is reporting on my credit report and the information is still there.
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. XXXX XXXX All accounts XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -All accounts XXXX XXXX XXXX XXXX all accounts XXXX  XXXX I have never provided permissible purpose for these accounts, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

YET AGAIN IM RECEIVING EMAIL CORRESPONDENCE AFTER NUMEROUS TIMES TO BE CONTACTED THRU THIS AGENCY REGARDING THIS MATTER. BECAUSE I NO LONGER TRUST THE INDIVIDUALS INVOLVED IN THIS INCIDENT WHICH ALL STARTED FROM A SIMPLE MISTAKE AND LACK OF AGENT INFORMING ME TO MAKE SURE I SCROLL DOWN FOR XXXX  CREDIT PORTION OF THE APP.

( MAYBE YOU SHOULD TAKE THIS HORIFIC INCIDENT AND UPDATE YOUR TRAINING PROCEDURES INSTEAD OF TRYING TO CLOSE YOUR CUSTOMERS ACCOUNTS. ) BUT I UNDERSTAND ITS LOT CHEAPER TO CLOSE YOUR CUSTOMERS ACCOUNTS FROM A HONEST MISTAKE.

SO IM ATTACHING CORRESPONDENCE AGAIN.

IM ATTACHING THE IRS CONSENT FORM 4506-C THAT I RECEIVED YET AGAIN WITH THE DEMANDS TO FILL OUT AGAIN ... BECAUSE DISCOVER IS TAKING THE STANCE I NEVER FILLED OUT ... THEY DIDNT RECEIVE ... IT WAS INCOMPLETE.. 

ALSO ATTACHED CONFIRMATION OF EMAIL STATING ITS BEEN SUBMITTED AGAIN ... WHICH I HAVE ALSO UPLOADED PREVIOUSLY IN OTHER COMPLAINT. 

ALSO ATTACHED COMPLETED FORM SO ALL PARTIES CAN SEE ITS BEEN COMPLETED... AND ALL HILIGHTED AREAS FILLED OUT. 

AGAIN I HAVE BEEN ON XXXX SINCE XX/XX/2010 AND I HAVE NOT FILED TAXES SINCE THEN ... .BECAUSE XXXX NOT REQUIRED TO. BUT YET AGAIN DISCOVER IS DENANDING THE LAST TWO YEARS OF MY TAXES.

AND AFTER STATING MY EIN NUMBER IS BRAND NEW... ALONG WITH IRS LETTER FOR EIN SHOWING DATE OF THE ORIGINAL EIN ... AND THE NEWLY FORMED FROM XXXX XXXX TO XXXX..AND UPLOADED THAT PREVIOUSLY... AND YET AGAIN DISCOVER IS DEMANDING THE LAST TWO YEARS OF TAXES AND THREATENING TO CLOSE ACCOUNT ... THEN AFTER COMPLETING... SAYING I NEVER DID... WAS INCOMPLETE... ETC AND AS WELL AS THE SECRETARY OF STATE ARTICLES OF ORGINIZATION.. 

AND MY ACCOUNT HAS BEEN FROZEN NOW FOR ABOUT A MONTH NOW... 

AND I HAVE UPLOADED MORE THAN ENOUGH PROOF OF MY IDENTITY... 

STILL RECEIVING THREATS OF CLOSING MY ACCOUNT UNDER THE GUISE IM NOT CO-OPERATING IN PROVIDING DOCUMENTS .... 

WOW ... AMAZING... 

AND I HAVE XXXX AND XXXX .... 
REALLY BAD ISSUES WITH MEMORY... 
XXXX XXXX I THINK THE APARTMENT WAS XXXX XXXX NH BUT I DO NOT RECALL FOR SURE...
Consumer complaint received 2021-09-17
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. I believe this account contains numerous inaccuracies that warrant its removal from my file. The specific inaccuracies include :
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

As a result of Covid19, on XX/XX/XXXX, we were offered Forbearance mortgage assistance by XXXX XXXX who was our mortgage holder at the time. We accepted the assistance as we are self employed and business completely stopped. At the time, we were told what are options were once the forbearance ended 1 ) An extension of our payment assistance period 2 ) Allowing missed payments to be deferred until the end of our mortgage term or payoff 3 ) Extending the loan term 4 ) Standard mortgage assistance options such as a repayment plan or a loan modification. We were also told they would stay in touch during and after the payment assistance period and would work with us to determine the best next step for our situation. On XX/XX/XXXX we were notified by XXXX XXXX  that the loan was sold to SPS XXXX Select Portfolio Servicing , inc. and assured us the payment assistance would be passed along to and honored by SPS. After the loan was sold, we were notified by SPS that the forbearance assistance would be extended. During that time we continued not making payments. On XX/XX/XXXX at XXXX PST, we called SPS and spoke with XXXX. We told her we were ready to resume our monthly mortgage payments. She told us not to make a payment until after the review process was completed in terms of repayment options. The review process was completely mismanaged and due to the conflicting information from SPS, we took it upon ourselves to resume payments, starting XX/XX/XXXX and are continuing monthly payments. On XX/XX/XXXX, we received a letter from SPS stating that the only options that were available to us in terms of repayment were 1 ) Payment in full 2 ) short sale or 3 ) foreclosure. We were told we could write a letter of appeal which we did in XX/XX/XXXX and were once again notified that all other options were declined other than the ones stated above. Now we are possibly facing foreclosure if full payment is not received by XX/XX/XXXX. We have also been working with a HUD representative to help guide us through this unfortunate and extremely stressful situation. We feel we were completed mislead by SPS and that they did not honor the guidelines that were originally set by XXXX. SPS said that because we were more than 12 months behind ( we are now at 14 ), we were no longer available for any other payment options. Had we not been told not to make a payment in XXXX we would not be in this situation. We were also told by SPS that financially it is not in the best interest of the lender to help us resolve the situation any further. We feel completely blindsided, mislead and set up to fail. We strongly believe that if we were still with XXXX, this never would have happened.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CALIFORNIA RECOVERY BUREAU, INC (MI)

I am being scammed out of my benefits wrongfully and charged an debt that they are aware I never received XXXX because my last social security check was in XXXX same for my medicare card and are under investigation by molina fraud department XXXX XXXX report key XXXX. The Bureau of Fiscal Advisory services are aware of payments owed to me and in washington DC is the location where XXXX XXXX XXXX XXXX on XX/XX/XXXX honestly contacted washington dc social security office and XXXX XXXX  by email and instructed them that there is an mix up with my name and that they must pay me all my money and that they must go back to XXXX and then she got replaced by XXXX whom has now changed her mind since she have heard from the bureau of fiscal advisors and she told me that I will get all my benefits backpay owed to me and are in agreement with Ms. XXXX now, she stated. I am informed by XXXX  XXXX XXXX that the social security checks and the XXXX checks all went into the same account by XXXX XXXX XXXX XXXX starting with XXXX and that it was regular deposits. then on XX/XX/XXXX an XXXX at XXXX  XXXX XXXX told me that my XXXX claim XXXX went into an XXXX XXXX XXXX account in XXXX. then after at least four women two of them I remember as XXXX and XXXX all four told me that they froze this account and are trying to get the money back to my account. They all lie now and say this is an XXXX, XXXX or XXXX dollar claim. 



Please Investigate.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (VA)

My problem is with Experian. In XXXX for some reason my score dropped 62 points. I started with this credit repair on good faith. My payments have never been late. Even though I have been using my cards it shouldn't drop that much since I'm making scheduled payments on time. For the last 2 years this site lets me sniff good credit. Then bam knocked all the way back to barley fair credit. This needs to be resolved. I'm actually working with an agency that provides information on how these kind of companies will cheat customers from obtaining good to excellent credit.
Consumer complaint received 2021-09-09
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)

I have a mortgage that was fully paid off on XX/XX/XXXX. My mortgage was transferred from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The mortgage at that time was already fully paid off. In XXXX I had made multiple mortgage payments so that my mortgage was paid through XXXX of XXXX. XXXX XXXX has now reported me 60 days late on a paid off mortgage even though they are stating that the transfer is still in transit and they don't have all the information from The XXXX XXXX. They have made my credit score drop over 100 points on my credit when the transfer of information is still not complete. The same has happened to the co-borrower on this loan and they told us we have to wait 60 days for the transfer of information from XX/XX/XXXX to be complete and then they will fix any errors on credit. They should not be reporting people late on mortgage or any other information on a mortgage when a transfer has not been completed and they do not have accurate information on their end. I am not able to obtain any financing on a loan now because of they reporting incorrect and fraudulent information on my credit report. They stated to me that they have a problem with this for most of their customers, so their internal issues and mess are now negatively impacting my lift and my credit score.
Consumer complaint received 2021-11-24
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: TD BANK US HOLDING COMPANY (NJ)

I have TD CREDIT CARD ENDING XXXX since 2008 almost 13 years of credit history recently they reduced my credit limit from {$11000.00} to {$7700.00} in last one year because they said you are HIGH RISK customer I am keep making more than minimum payment and if they provide credit limit that I should use up to credit limit but they go credit scores and if scores fluctuate they. Also fluctuate my credit limit. I told them to reduce as much as up to {$500.00} credit limit and they warn me that it is going to over limit on your credit report. Why they threaten customer like me and keep doing this kind of practice! Everyone try to improve their credit score and this type of credit card bank keep hammer on our credit score and make worst look on financial world.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aspen National Financial, Inc. (NV)

This debt was disputed and removed due to not being the person on this account. It has shown back on my credit in error. The information is inaccurate and has been disputed and removed before. This account does not belong to me, and I did not give this company any right to collect a debt from me. This needs to be removed from my account immediately and is in violation of section XXXX of the Fair Credit Reporting Act ( FCRA ).