davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPORTUN FINANCIAL CORPORATION (AZ)

I was using XXXX ( savings account app ) when acquired by Oportun. On XX/XX/2023, I was unable to login which prevents me from accessing my money. On XX/XX/2023, I called Oportun and was told " this program is not supported over the phone '' and to email tech support. XXXX initially responded and provided troubleshooting. I attempted the troubleshooting. It did not work and I notified technical support including screenshots. On XX/XX/2023, XXXX replied and asked me to do the same troubleshooting steps. When I shared that it did not work, they told me they would look into the issue and respond within two business days. The second day after not hearing back, I called into the company. I spoke with XXXX and he told me he could transfer me to XXXX support if I called back in 10 minutes. I called back in 10 minutes, and was connected to XXXX. She informed me that no such support line existed. When I informed her I was told the line existed, she provided a number for support. After calling that number, the person answered in XXXX and the rep shared it was a generic support line and they could not assist. I was connected to XXXX and I described my issue to him. He informed me there is no live support for XXXX and I should reply to technical support 's email again. I let him know that technical support is not replying to my emails. He informed me that is the only solution available to receive my funds. I asked to speak to a supervisor and I was connected to XXXX. I confirmed with XXXX that my money is being held by Oportun and inquired how to receive the money and was told I must email technical support. When I asked to speak to someone in technical support, I was told they don't take calls. When I asked about other departments, I was told I may only speak to him, XXXX. XXXX let me know that he filed an escalated complaint that would take 10 business days to address. I replied to technical support after their two day window and still no resolution. 
On Monday, XX/XX/XXXX I received a call from Oportun support. When I described my issue again, they informed me my issue could not be addressed over the phone. They gave me the same email address to reach back out to. It has been 8 calendar days and over 5 business days without access to my account or my funds.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo has discriminated against me, I applied for credit card and see attached document. It says they require more information before approval. But in reality, they had already declined the card, as I called the number listed and it was declined.
Consumer complaint received 2023-04-24
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: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the fair credit Reporting act this creditor, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-25
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 (CA)

Dear Support Team, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which I believe was done in error. I would like to appeal this decision and request that you re-investigate my case. 

Firstly, I want to stress that I have not violated any PayPal policies or engaged in any illegal activities. I have always complied with all the rules and regulations set forth by PayPal and have been an honest and trustworthy user of the platform. Therefore, I strongly believe that this limitation was a mistake, and I am requesting a thorough review of my account. 

I am also requesting that you provide me with more information about why my account was limited in the first place. As far as I am aware, there have been no incidents or issues related to my account that would warrant such a drastic measure. I urge you to provide me with a detailed explanation of the reason for this limitation, as it is imperative that I understand the basis for the decision. 

Finally, I would like to request that you restore my account if possible. I am confident that upon re-investigating my account, you will find that there has been a misunderstanding or error, and I hope that you will take this into consideration when making your decision. 

My PayPal account email address is XXXX, and I am available to answer any questions or provide any further information you may require to expedite this process. I would appreciate your prompt response to this matter, as it has caused me significant inconvenience and stress. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to Transunion on XX/XX/XXXX. I have a security freeze on my credit report due to identity theft XXXX. The issue I have was with one of the security questions. The question asked, which state ex husband lives in? The problem is I've been divorce for 17 years. I've only spoken to him twice in the past 17 years. Ironically last time I spoke to my ex-husband was XXXX. I requested to have that information removed. I was simply bothered because there is no affiliation, no contact. I'm not sure if anything was applied in my name. I felt the need to report this information.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-04-25
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-25
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. (NC)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I got a modification in XXXXthey put pmi insurance on my loan.my condo has risen in value a XXXX since.i wanted remove pmi.i did not realize a pmi appraisal an a get a loan appraisal is much lower.i said would do a appraisal they charged me XXXX dollars.it came in at XXXX lower than market an XXXX short of removing pmi.i did complaint my mortgage but it was useless. I waited an time passed an there was no doubt my condo was worth way over the money needed.i agreed to another appraisal.again charged XXXXmy units with my views were selling in a day for a XXXX more 5 under contract.the appraiser was told that.she fraudently came in XXXX short.she used a 5th floor condo that sold in a day for the XXXX it over looks the parking lot.my unit overlooks the gulf an intercontinental an blocks from beach.she knew of contracts pending on comparable units for up to XXXX more.yet she gave me appraisal for XXXX XXXX less than the parking lot condo.now even low floors sell for XXXX more.i complained to my mortgage company an thier pmi department.they said I would have pay for another appraisal.XXXX  for XXXX more needed.they even said if it been a refi appraisal been much higher. They said they would contact XXXX XXXX see if anything be done.answer no without apprasisal.meantime they were offering me equity lines.i pointed out how can you offer me equity lines when appraisal shows negative equity.they said well you definitely have alot of equity.i said then remove pmi payment.sorry we can't without a appraisal.i contacted XXXX XXXX an they said the same.i applied for mortgage refinance an helocs with my company an others.all approved with cash out or large equity line.XXXX  XXXX was the lender with each who approved.again I fought with my company remove pmi.got nowhere though they agree it was wrong.i decided not to refinance or do a heloc.i did not need it I decided.my interest rate was good an cost to do refinance to much.so here I was same mortgage paying pmi an being held up for another appraisal for XXXX.i told them the last appraisal was fraud an they needed to reappraise.they were shown the sales an kept sending me offers to cash in on all my equity.its fraud I just want now my last appraisal be refunded.however settle for pmi being removed.i should get a refund for all the pmi charges since last appraisal also.Again settle for it being removed pmi.i have proof of all I'm saying thanku
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (NV)

My bank account at US bank never shows my accurate account amount. Number ours employees have informed me that it is an ongoing issue. The previous two weeks leading up to my account being in the negative I had charged from places I did not go charged to my account, then disappear and come back again. It then got to a point that my balance was changing with money showing up XXXX at a time and again disappearing l, every time nothing would show as to why this was happening to my account, meaning towers the end I had no idea why my account was going up and down on the amount of money. Multiple calls to us bank and not one person could tell me why, in fact, they couldnt see anything I was seeing on my end. This is alarming considering everything should be seen by the bank. I was given no explication at all. Then a little less then three weeks ago, I went to enjoy my night off, I go to get money out of my account and the ATM refuses, it states to call the bank, so I end up leaving and calling, where some more unprofessional and ridiculous things happen. A fraud alert was placed on my account, they said it was fixed so I left my home drive back down in attempt to salavage my night out but it doesnt work and does the same thing again. I call back and have to deal with it again, about forty minutes later, I was able to do one transaction to get my money but my account. I then see my email has us bank stating that I called to make sure I could use my card outside of the country. I did not ask that. I find it really funny that my account was so messed up and I got zero actual help but now that they feel I owe them money, which isnt true, I should be about XXXX positive. They decide to call me and act like they know what they are talking about. I have gotten no help, I have spoken to nobody who knew what they were doing, I have been told the system is messed up, ignored when telling telling them they owe me money and more insulting is the fact they are calling me over and over trying to get me to pay a balance I shouldnt have. Ive wasted hours of time trying to get help from them and my hours at work, working 6 to 7 days a week, doesnt allow me to go in and I am not going to miss work and lose more money because this bank has messed up. They need to fix this, figure it out and give me my money back, not me give them money
Consumer complaint received 2023-04-25
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 (CA)

Dear Support Team, I am writing to appeal the permanent limitation placed on my PayPal account. I believe that this limitation was made in error, as I have not violated any PayPal policies or terms of service. 

As a responsible and law-abiding user of your platform, I have always followed the rules and guidelines set forth by PayPal. However, I was surprised to receive notice that my account had been permanently limited without any prior warning or explanation. 

I would like to request that PayPal re-investigate my case and consider restoring my account if possible. I am confident that a thorough investigation will show that I have not engaged in any activity that violates your policies. 

Furthermore, I would like to assure you that the email address associated with my PayPal account is XXXX. I kindly request that any communication related to this matter is sent to this email address. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/XXXX Select Portfolio Servicing sent me an escrow analysis that showed the wrong date on my Hazard Insurance renewal. This was an error that showed I would be paying it 4 months early and the analysis was showing 3 payments of Hazard Insurance in the 2 year analysis. 

I sent a written letter informing them of the error, they acknowledged the letter received XX/XX/XXXX and the letter was dated XX/XX/XXXX. There was no follow up with regard to the letter so I called on XX/XX/XXXX and was not able to resolve the issue. 

This will cause my payment on XX/XX/XXXX to be higher than it should be, and if not resolved in a timely fashion cause me financial hardship as there will be more than {$4700.00} overpayment of escrow by XX/XX/XXXX. 

Since I live in Florida and my original loan documents make no such requirement I would like to have the 2 months of reserve escrow also known as a " cushion '' removed from my escrow as there is NO such reserve required in my original loan documents. My loan may have been sold and transferred from the original mortgagor but the original terms of my loan are in effect. 

Also, please note the files statements and letters they provide on their website are coded in a way that when saved are corrupted and don't allow you properly save them but get only an error. I have saved some of these statements and letters from the website but am not able to upload them here. The phone app they have does allow you to save the files properly but they took down the acknowledgement letter from the app. I can print these corrupted files but not save digitally.
Consumer complaint received 2023-04-25
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX  : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; 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 2023-04-25
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-04-25
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: Experian Information Solutions Inc. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00}
Consumer complaint received 2018-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

In XXXX, my parents purchased a savings certificate for ~ {$1300.00} from XXXX XXXX, which has since been purchased by Wells Fargo. I went to the Wells Fargo branch in XXXXXXXX XXXX XXXXXXXX, PA but they were unable to help me and it was nearing closing time. I contacted customer service who assured me a branch could help and I went to the Wells Fargo branch in XXXX, PA. When I showed the Personal Banker the Savings Certificate, she stated there was nothing that she could do but she would " go through the paces '' anyway. After roughly 30 minutes of being on the phone I was told it was either cashed or there is nothing that can be done. There was no supporting documentation to show it was cashed and the bond states it " Must be surrendered '' upon cashing it in. I then sent an email to to the board on XX/XX/XXXX. I spoke with " XXXX '' several times who asked me to fax a copy of the certificate to him on XX/XX/XXXX. I sent a copy to fax number XXXX referencing the case number he assigned which was XXXX. He finally indicated on XX/XX/XXXX that they could not do anything to help me. I asked for a letter stating they can not help me and indicated that the funds do not just disappear.
Consumer complaint received 2023-04-25
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. (GA)

Hello, my name is XXXX XXXX. I am contacting you in regards to removing the falsely opened accounts on my file. The accounts shown on my statement were not done by myself. This is a huge inconvenience and I am truthfully devastated. I am a victim to identity theft and would like these accounts removed at the soonest convenience. Please delete the reported items listed in this report and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Due to these items wrongfully listed on my report, please delete the items as soon as possible.