davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CA)

Speaking with paypal shows that I have NO restrictions yet, they have placed an account limitation. I am suppose to be able to transfer and withdraw money, open or close bank accounts, etc while the hold is occuring but noone at Paypal can help while the restriction is in effect. I have made repeated attempts on-line to change to my new bank account with a window opening telling me either to ; " Verify Security as paypal 's system does n't recognize me '' but after doing everything their site wo n't allowe me to continue to the next step or there 's another window that pops up saying ; " action cancelled ''. I spent forever on the phone with a rep and Supervisor today and neither could get around the " restriction '' even though they both said they would. I therefor can not add my new bank account to have the money illegally held by paypal transfered. As this is a paypal business account, paypal is now interferring with the normal course of my business. I can not get to any money held by paypal all because some XXXX ca n't read any of the documents provided by me. Paypal is preventing me from paying employees and vendors as paypal has all my money. Paypal has asked for " Proof of my Social Security Number '' which was provided to them 15 days ago. They have acknowledged this and marked it as my having perfermed the fullfillment. Yet, the other restriction is to " Confirm My Social Security Number '' which is the same as their other trequest yet I have now fulfilled this additional XXXX request with XXXX different paypal agents, including XXXX Supervisors as well as my providing paypal copies of a letter from Social Security and a copy of my actual S.S. card. For some reason, paypal 's complience dept is not releasing the hold. I am livid that they are preventing me from accessing MY funds with no basis and my having jumped through every hoop to apease them. How am I to conduct a business when I can not get to my monies? Thank You.
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

When I began gender transition, and changed my name, my bank began becoming more hostile to talking to me on the phone. They told me I did n't sound like a [ my name ], and would become upset with me. When I tried to get to the identity verification process, they asked me to email them court orders, drivers licences, social security cards, and I have done all of this, and they have sent me a token ( like an RSA token ), but they forward me every time I call them to an extension that drops the call. 

I have been unable to access my bank account via my phone or via my computer login now for over a year because they view me as being " suspicious. '' The only way I am able to access the money in my account is with my debit card and with direct deposit into that account. I only assume that purchases work. 

This bank does not have local branches so I can not walk into a branch and show that I am who I say I am. 

Compounded by this, I used this bank for my auto and renter 's insurance. I no longer have access to any of this, which I accessed through the app on my phone, and all of the above has lapsed, and I can not verify who I am on the phone.
Consumer complaint received 2024-08-28
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. (GA)

I switched XXXX  providers from XXXX to XXXX XXXX XXXX. Once I cancelled my XXXX account, they immediately shut down my online account. Because I originally opted for paperless billing and no longer had access to an online account I never received any communication stating there was a balance of {$240.00} on the account once it was closed. It wasn't until I saw it was in collections. Additionally, it is incorrectly identified as an " open '' account for one month which is also not accurate. 

I have requested many times for the delinquency status to be removed and investigated but Experian, within 24 hours of my dispute denies it, without giving it an actual look.
Consumer complaint received 2016-09-21
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland funding purchased a a past due account in XX/XX/XXXX and began a very aggresive collection, on a debt that originally began in XX/XX/XXXX, per the letter attached In XX/XX/XXXX they elligally placed a Judgment against me violating a fair credit act, which states that they can no longer collect or report past the 7th year they need to remove the judment within the next 10 days and XXXX needs to remove it from it 's credit reporting Thanks XXXX ( XXXX ) XXXX
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I am an attorney in Maryland representing XXXX XXXX XXXX and XXXX XXXX relative to their primary residence located at XXXX XXXX. in XXXX XXXX, XXXX. On their behalf, my firm has been endeavoring to obtain a loan modification from their lender, Carrington Mortage, for the XXXX since XX/XX/XXXX. Unfortunately for the XXXX they have been thwarted or denied for said loan mod. not for anything on the merits relative to their financial wherewithal, but rather due to " incomplete packages '' which is frankly plain not truthful. What is occurring is that they keep asking for " new '' paystubs for XXXX XXXX after they take so long to review the overall package that the paystubs ( which do n't actually change ) go stale. It is, simply put, Carrington 's inefficiency that causes the paystubs to go stale, and they in turn determine that the package is then incomplete. The lender 's lawyers, XXXX XXXX XXXX, XXXX XXXX, are not willing to do anything about this clear strategy of denying my clients without actually reviewing their package. All this from a lender who took TARP money knowingly and willingly. THERE IS NOW A SALE SET FOR XX/XX/XXXX which they are not willing to cancel. Hence, this complaint.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

US Bank acquired my mortgage from Concorde XXXX. I originally had a mortgage for {$96000.00} with Concorde but US Bank has added so many erroneous fees that now US Bank says I owe {$100000.00}. I have been assessed fees for force placed insurance, property inspection fees, legal fees, late fees, etc ... The mortgage servicing company is XXXX XXXX XXXX. I have been working with XXXX to come to a resolution about my mortgage. According to the FDCA, Foreclosure proceedings should have been haulted while XXXX and I were in negotiations. I am constantly being harassed with correspondence from XXXX XXXX, US Bank 's attorneys. I feel this company is abusing its power by just adding these fees to my loan and trying to foreclose on my home even though I am working out a resolution with XXXX. I have been denied employment and affordable housing because of US Bank. The loan was predatory from the beginning and has become completely un-manageable for me to bring the account current. I am asking that all collection and foreclosure activities stop.
Consumer complaint received 2017-03-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I XXXX was taken in an ambulance. I was told by the clinic/hospital that my Health Insurance will fully cover the ambulance ride or service. I recently a bill from a Debt collector.The amount is for $ {$710.00} ... I was falsely given information about my coverage..
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting an account that I believe has been RE-AGED and it is too old to be reporting on my credit report. Date of Last Payment XX/XX/XXXX reported by XXXXXXXX XXXX who sold this alledged account to XXXX XXXX. 
XXXXXXXX XXXX has reported the Date of Last Payment as XX/XX/XXXX and have sent me paperwork showing Date of Last Payment as XX/XX/XXXX on their statements re : alledged acct. 
Recently, for some reason XXXX XXXX # XXXX is reporting a Date for this account to be removed as of XX/XX/XXXX on my Experian credit report and this is inaccurate! I want this collection removed from my credit report in its entirety because it is too old. 
Date of Last Payment as XXXX XXXX makes this account more than XXXX XXXX XXXX because the Date of First Delinquency is the date that triggers the the 7 year reporting period which would be XX/XX/XXXX because it follows the Date of Last Payment, delete this account. 
If this account is verified I in advance would like to make a request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Please do not send me a form letter describing generalties regarding your firm.

I am requesting the name of the person you spoke with along with ALL the procedures that were used to verify if my dispute is verified. 
The aforementioned LAW states I should receive this information within 15 days or I can sue seeking {$1000.00} if your agency fails to adhere in a timely manner. 
Thank You so much in advance.
Consumer complaint received 2024-09-28
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. (FL)

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX, account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Inc. (NE)

First they put in my credit report that I owed them {$2500.00}, then they decided to bring it down in my credit report and sue me for {$2000.00}. They sent me a paper dated XXXX/XXXX/2016 their math was off. 
XXXX unpaid rent plus late fees ( This is for two months rent that no one lived there and the lease was satisfied, ) {$770.00} for cost to repair damage. {$560.00} was for a furnace on XXXX/XXXX/2016. No one lived in the property form XXXX2016 They only credited us for {$470.00} deposit, when it was {$650.00}. 
That would leave the remanding balance of {$1800.00}. 
This was pointed out to the collection agency. They said they would change it, but never did.
Consumer complaint received 2016-05-04
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (TX)

Home damaged by hail storm XXXX/XXXX/XXXX. 
Check amounting to {$23000.00} received from XXXX XXXX on XXXX/XXXX/XXXX. Check forwarded to mortgage company RMS, XXXX XXXX XXXX, XXXX, TX XXXX, telephone # XXXX, Loan # XXXX, Date of funding XXXX/XXXX/XXXX. Property address XXXX XXXX XXXX, XXXX, TX, XXXX. Mortgage is a reverse mortgage. 
RMS acknowledges receipt of funds but will not release any funds to insured party. RMS also advises that only 50 % of funds will be released to insured party. No firm date is provided as to release of insurance funds. RMS also indicated payees on check will be Contractor authorized to perform repairs and insured parties indicated on insurance policy. 
Today is XXXX some 12 days after funds were forwarded to RMS.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I looked at my report back on XX/XX/year> and noticed some things that are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts : [ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 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 XXXXXX/XX/XXXX 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 2016-09-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

This collection company works with XXXX XXXX XXXX, I have 2 issues : 1. They are trying to collect on a debt I have been making payments on for over a year now. 
2. They are not providing proof of amount owed, I have requested multiple times for an audit of my account to reflect my payments and insurance payments. 
3. CRME nor XXXX XXXX returns calls or acknowledges receipt of letters faxed.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was scammed into unknowingly depositing 2 checks for XXXX on XX/XX/XXXX if i knew it was fake i wouldve avoided depositing it, next day the funds are in the account but i wasnt awake yet but some way a scammer had access to my XXXX account i never gotten a message about my XXXX being logged into and the data shows no login but the money of the two checks were withdrawn by the scammer into my XXXX and sent to his scammer XXXX after such happened i tried looking at my bank and come to see that it was closed for the checks im a XXXX i couldnt really wrap my head around the situation until i heard that i had to pay it back and i couldnt bank with Bank Of America again once i heard such my heart broke i tried calling various times to see if i can reopen one with them or if i can appeal/reverse the closure but they said its final
Consumer complaint received 2024-08-04
Product: Credit reporting 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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo purchased my mortgage from a different company. I have repeadtly tried to go through proper channels including sending a letter to the CEO asking to change my due date. I only get paid once a month - the XXXX - so I need a due date after the XXXX. The company refuses to even acknowledge anything only stating I signed paperwork that it is ok to have my loan assigned. While true, I did not sign anything for Wells Fargo. By refusing to change the due to after the XXXX, Wells Fargo is causing me undue financial hardship and possible late charges and fees that will be accumulated. The company can not provide a valid reason as to why this can not be changed
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX 2013 I opened XXXX bank accounts at Wells Fargo in XXXX XXXX, Oregon -- a small business account and a personal account. Within a XXXX, Wells Fargo closed my accounts, without notice and without explanation. Eventually it took my calling Wells Fargo to find out that my accounts had been closed ; in the meantime I was unable to access my accounts, either online or at ATM machines. Wells Fargo said that additional information was required on my accounts, which I provided immediately. Wells Fargo re-opened new accounts in my name, only to close my accounts again within another week or XXXX, then to re-open my accounts, again, with new account numbers. While all this was happening, Wells Fargo continued to hold - and have the benefit of - my money. Since my accounts were so messed up by Wells Fargo, I could not setup online banking, I could not pay bills, and I never received bank statements of my accounts. In XXXX or XXXX 2013, I attempted to apply for an XXXX XXXX driver 's license ; however, since XXXX required proof of residency within the state, which may be provided by bank statements, I was unable to provide proof of residency without my bank statements from Wells Fargo. I purchased XXXX vehicles in XXXX 2013 in Oregon ; since I had no state identification from XXXX, I had to use my XXXX driver 's license as my identity -- and pay XXXX sales tax, which I would not have had to pay any sales tax at all if I had an XXXX driver 's license ID.