davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/XXXX, I purchased an XXXX from XXXX via Paypal and per XXXX XXXX  unlock policy, XXXX would unlock my phone 60 days after activating my iphone. 
On XX/XX/XXXX, a rep of XXXX confirmed that the XXXX purchased would be unlocked on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX refused to unlock the XXXX. 
On XX/XX/XXXX, I filed a dispute against XXXX with Paypal for the reason " item not as described '' On XX/XX/XXXX, Paypal denied my dispute. they said this decision was made because their records showed that the item or service associated with this transaction was delivered to me.
Consumer complaint received 2023-07-22
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NV)

Theres an apartment complex that I did not lease, XXXX XXXX, that is in collections. I was in a domestic violent home and left to Nevada XX/XX/XXXX. I have housing voucher papers to prove so. Apartment complex debt was opened XX/XX/XXXX. I believe it may have been my old partner that stole my identity but I am without proof. The complex no longer exists and is not in business but the collection agency is charging interest on the debt. The ordinal debt states {$3600.00}. The new total is at {$4800.00}. I was not sent a lease when asking to verify this debt. They have been sued once before by XXXX XXXX for falsely applying interest in his case and the defendant won against plaintiff IQ Data International Inc. Who is the same collector on my credit.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/1941 ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I have been paying my mortgage every 2 weeks like I have for years and this company changed my automatic payments in XX/XX/XXXX. Their system is completely disorganized and I have not had any luck getting anyone to call me back. This is the second year I have had issues.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

Concerning the PMI on my mortgage. My loan balance to original purchase price is at 77.1 %. The rules state that at 78 % or below the lender is required to cancel the PMI. I contacted PNC Bank and their response was that they are going by the original amortization table and that date states some time in 2021. Otherwise they require me to pay {$500.00} to them for an appraisal, to be performed by an agent of theirs. I do not see where this is stated in the rules. I am below the required 78 %. Can you assist in getting the PMI removed from my mortgage? 

Thank You XXXX XXXX
Consumer complaint received 2023-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (NY)

Company keeps closing my complaints. Have failed to provide substantiation of the debt; including but not limited to, verification of the debt, chain of command, payment history, and loan disclosures with my signature, full and proper accounting of the loans. Furthermore, I only received 13 of 17 documents provided by the company. I am a litigious consumer and will escalate this matter to the highest extent of the law if this matter is not fully investigated. I did not sign the document uploaded by the company on XX/XX/2020. Company is in violation of section 609 of the FCRA.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MS)

My husband passed away I moved back with my family states away never thinking of these accounts until an old customer requested receipts from me. Upon calling XXXX and XXXX  XXXX Bank. I found out that my account has been compromised all of these years. Thousands tens of thousands of fraudulent transactions have went through and I was never notified of any of the transactions or the account log in credit shows being changed. XXXX XXXX XXXX  is trying to tell me that. They have an account profile with my name, address, date of birth email, and phone number with no transactions underneath it. XXXX has been dragging their feet and playing ignorant to the disputes that I am sending to them on all of these transactions that were unauthorized and not mine and have not sent me my money back..
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (UT)

In XX/XX/2023, my estranged husband opened a credit card through First National Bank of Omaha ( FNBO ) for a store called XXXX with a credit limit of {$6800.00} and he applied for a personal loan in the amount of {$5500.00} with the same bank using my personal information without my permission. 

I contacted FNBO and had the card canceled. And was told about the personal loan which I stated was also not applied for by me. I asked for whatever records they had showing that my husband did this so that I could press charges. They told me I needed a subpoena to get that information. I believed them until I put a fraud alert on my credit and received confirmation in the mail by XXXX. Also, listed on that confirmation letter were my rights as an identity theft victim under the Fair Credit Reporting Act ( FCRA ). 
I then called FNBO again to ask them what I needed to send for them to release the records and was told again that I needed a subpoena. When I stated that wasn't true, I was told someone from their fraud department would call me back. After waiting several days and not getting a call, I contacted them again and was told the person who handled these issues was out of the office for a few days and would call be back. Of course nobody ever called me. 
So, I researched what I needed to do in order to obtain the records. I filed a report with the Federal Trade Commission ( FTC ), I filed a police report, I filled out an identity theft affidavit, I wrote a letter asking for the records, I enclosed a copy of the FCRA that stated my rights as a victim of identity theft, I also enclosed a copy of the FTC report, the police report number, proof of identity and proof of address. I sent everything to FNBO by certified mail and was notified that they received it on XX/XX/2023. Under the FCRA, they had 30 days to send me what I asked for without charge so I waited until XX/XX/2023, but hadn't received anything. So, on XX/XX/XXXX, I called them again, but this time, I recorded the conversation where I was told the records would be sent and I would receive them in 5 - 10 business days. 
It is now XX/XX/2023, more than 30 days overdue and I still have nothing from FNBO. 
I need these records in order to press charges, but I have hit a brick wall with this bank and I don't know what my next step should be, and that's why I am contacting the Consumer Financial Protection Bureau.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (GA)

In XX/XX/XXXX I ordered Quickbooks Bill Pay for my XXXX  business checking account, the fee was to be {$14.00} a month. 2 Months later I received an email from XXXX treasury dept that due to technical problems they were not able to activate the " Bill Pay '' service on my account. They advise me to report that to the vendor, in writing, which I did. 
The {$14.00} continued to be taken, but my Bank rep was writing a refund to me when I reported the taking. When the rep was no longer there, I took the matter to the Manager, who said the fee pull was being initiated by XXXX XXXX  and she could do nothing about it. So I moved my account to BB & T Bank in XX/XX/XXXX. In late XX/XX/XXXX BB & T processed several ach payments to XXXX  from my account. Both BB & T and XXXX had been noticed in writing 60 days in advance that our contract with XXXX was ending on XX/XX/XXXX. That this same date also fully ended XXXX permission to process ACH pulls, To assure enforcement of this, I also closed the Payroll account. 
As I have a time warning I will end. I next move my account to XXXX XXXX in XX/XX/XXXX. I then noticed that the {$14.00} pull was still happening. I researched it deeply and found records showing that this was for the " Bill Pay '' service ordered in XX/XX/XXXX. I had thus far had nearly {$1000.00} taken in this manner. I took the entire matter to XXXX XXXX. They said the best they could do was to return one of the {$14.00} takings, as this was not in their control. They are still taking {$14.00} a month for this " service : '' that was never provided, not for even a day! XXXX XXXX, customer three Banks : XXXX, then BB & T, presently XXXX XXXX
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

Per the FDCPA I requested verification of debt from SOUTHWEST CREDIT, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. SOUTHWEST CREDIT has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2018 I received notice that my account with XXXX XXXX XXXX was removed from my credit report and I noticed that it has been reinserted on my credit report. I was never notified that this item was being reinserted and per the Fair Credit Reporting Act the credit bureaus are supposed to notify me in writing within 5 days of the re-insert date. Please have this account deleted off of my report.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AL)

Subject : Dispute of Unauthorized ATM Withdrawal Dear Sir/Madam, I am writing to dispute an unauthorized ATM withdrawal from my account that occurred on [ XX/XX/2023 ]. The transaction in question amounted to {$700.00}, and I have reason to believe that it was conducted without my knowledge or consent. I kindly request your immediate attention to this matter. 

Account Details : Account Holder Name : [ XXXX XXXX ] Date of Unauthorized Transaction : [ XX/XX/2023 ] Transaction Amount : {$700.00} I have carefully reviewed my account activity and found no evidence of any legitimate transactions or authorization for the aforementioned withdrawal. I have taken the following steps to ensure the security of my account : XXXX. Changed my account password and enabled two-factor authentication. 
XXXX. Contacted the bank 's customer support to report the unauthorized transaction. 
XXXX. Filed a police report with the local authorities, as advised by the bank. 

I understand that it is essential to investigate this matter thoroughly to determine the source of the unauthorized withdrawal. I request that you promptly initiate an investigation into this incident and provide me with a detailed explanation of the findings. 

In accordance with the Electronic Funds Transfer Act and the terms and conditions outlined in my account agreement, I kindly request the following actions to be taken : XXXX. Provisional credit : Please credit my account with the disputed amount of {$700.00} while the investigation is underway. This will help mitigate any financial hardships I may face due to this unauthorized withdrawal. 
XXXX. Investigation : Conduct a thorough investigation into the transaction to identify the individual responsible and to ensure the security of my account. 
XXXX. Resolution : Once the investigation is complete, please provide me with a written explanation of the findings and take appropriate action to rectify the situation, such as permanently removing the unauthorized transaction from my account. 

I understand that it may take some time to resolve this matter fully. However, I expect regular updates regarding the progress of the investigation and any actions taken to address the issue. Please communicate with me through my provided contact information or via email. 

I have attached copies of supporting documents, including the police report, for your reference. If there are any additional forms or documents required from my end, please inform me promptly so that I can provide them. 

I trust that [ Bank Name ] will handle this matter with the utmost urgency and professionalism, ensuring that my rights as an account holder are protected. I appreciate your immediate attention to this dispute and look forward to a swift resolution. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2019-02-14
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. (KY)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX, and XXXX credit report. 

2. The inquiry was not authorized XXXX Cards Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX and XXXX   credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX and XXXX credit report. 

4. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

8. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

11. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

15. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

16. The inquiry was not authorized XXXX XXXX CH Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group (MD)

I graduated XX/XX/XXXX. In XXXX I put my student loan in forbearance or so I thought, I had a infant and was unemployed. When I went to pay on my loan in XXXX XXXX XXXX told me my loan was much larger then what I applied for. I asked for a payout details to my college. I was told that they could not send me anything but they would tell me what was paid to my school. I had no way to dispute what was applied for or what was paid. I told them the amount was too high but I was told interest made it balloon. I did not make any payments because I always disputed the amount but could not prove anything ( My loan paper work was lost in a fire in XXXX ). After 15 years I did get a XXXX job that required I not have unpaid debt so started to make small payments on my loan. I then asked XXXX XXXX for my statement of payouts to my college and I was told they don't have anything to show me they just own the loan. After making payments my loan was bought again by another company. XXXX owns my loan now and on there loan page it says both of my loans one for XXXX and the other for XXXX are now {$25000.00} & {$15000.00}. The alarming thing is I have two loans that were still being disbursed on XX/XX/XXXX but I graduated XX/XX/XXXX, I never went back or applied to go back to school. I told the rep I did not go to school in XXXX and I did not apply for loans after XX/XX/XXXX. The customer service rep at XXXX said if I graduated in XXXX unless I signed for those loans in XXXX then there is some kind of fraud and my amount needs to be reviewed. I need to know why in XXXX loan where being paid out to the XXXX XXXX XXXX XXXX. The school is closed now so I can not get answers from the financial office. The XXXX rep told me to reach out to this site and XXXX XXXX.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/XXXX Date assigned : XX/XX/XXXX Account status : Unpaid Amount : {$1700.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX and XXXX XXXX from XXXX 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 2019-02-14
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. (MT)

I reported on XX/XX/XXXX to EXPERIAN, that a student loan in the amount of {$31000.00} was paid off in XX/XX/XXXX. The debt was owned by XXXX XXXX XXXX XXXX ( XXXX ) I provided documentation to EXPERIAN that the debt was paid off. 
EXPERIAN reported that XXXX XXXX certified the debt as current. 
The document provided from XXXX XXXX clearly shows the account is at a zero balance.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I have spent thousands of dollars over the years and have requested several times to be signed up under the XXXX settlement. I am a cyber stalking victim and Equifax told me my credit rating was XXXX and they keep INTETIONALLY allowing the same money laundering organization to destroy my credit rating.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.