davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WA)

I deposited XXXX $ into my paypal account using the barcode from the paypal application on my phone.The transaction was complete I got a receipt, however the funds did not reach my account.This process has been reliable for me multiple times in the past and is usually instantly on my account or less than 20 minutes. 
I reported this issue to paypal, they asked for the receipt.I scanned and sent them a copy the receipt. 
They continued to tell me different lengths of time in which they would have taken to trace the transfer. 
They told me 10 days, then 72 hours, then finally today I suggested that their instigating and just want to financially harm me by making me settle in court or something. 
They responded by maliciously and intentionally misinterpreting that as legal action and said they could no longer help me and told me to write a letter to their legal department. 

So they basically intentionally refused to help me after provoking me for 48 hours and I am now out of XXXX $ which  was for emergency purposes to my child.
Consumer complaint received 2018-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I found my American Express Membership Rewards Program account is frozen by American Express Company when I tried to purchase a flight ticket with my Membership Rewards points. Here is the message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". 

I chatted with their online agent, called the Membership Rewards program agent, American Express travel agent, and an agent from the security team. But, nobody from American Express can tell me why my point account is frozen, and when can I use my points again. People from American Express keeps transferring my call to different departments, the last agent told me she didn't know why my account is frozen and the only thing I can do is to wait. I asked her how long should I wait, and she said I need to wait 3 billing cycles, which is more than 3 months. I need these points to buy flight ticket right, and the ticket price is keeping increasing everyday! Why I should wait 3 months for a unclear reason? Please give me an answer, or least give me a reason. 

Thank you.
Consumer complaint received 2018-11-10
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX XXXX XXXX XXXX : XXXX Experian XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FBC MORTGAGE, LLC (WA)

My XXXX report notified me that my previous mortgage lender showed me with a 30 day late payment as shown below. However, my account was paid current and never late and was actually being transferred to another lender three months after FBC originated the loan with me. I was then sent a letter from the lender stating that I was protected from any late payments under Federal law for 60 days while the loan was being transferred on XX/XX/XXXX. I made my XXXX mortgage payment to FBC on time and their records will show the same. They then had to send that payment to the new lender since the new lender took over the account and was not showing a payment made to FBC XX/XX/XXXX. FBC then transferred my XXXX payment to them to get it current and for some reason they reported the payment as being 30 days late. 
Not only is this fraudulent, but they violated my Federal protection during the 60 day transfer window. I have contacted FBC via phone XX/XX/XXXX and they said I have to wait 60 days for it to update. This is not acceptable and is fraudulent reporting on their behalf. 

FBC MORTGAGE LLC # XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : : XX/XX/XXXX Pay Status : >Account 30 Days Past Due Date< Terms : {$0.00} per month, paid Monthly for 360 months Date Closed : XX/XX/XXXX Maximum Delinquency of 30 days in XX/XX/XXXX High Balance : High balance of {$560000.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : TRANSFERRED TO ANOTHER LENDER Estimated month and year that this item will be removed : XX/XX/XXXX
Consumer complaint received 2018-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (IL)

I disputed these items placed on my credit report by XXXX XXXX XXXX and XXXX XXXX with all 3 credit bureaus for {$400.00}. It states it was opened XX/XX/XXXX with XXXX XXXX XXXX and XXXX XXXX stated opened XX/XX/XXXX as an education loan I never applied for they seem linked. XXXX XXXX XXXX removed it from my credit report after I placed a dispute with all 3 credit bureaus. I look today at my credit report a month later and XXXX XXXX XXXX has placed it back on my credit report again. I have no idea what these debts or installment loans are for I was never sent proof of the debt nor any sort of ledger card showing I attended the college or there services. I would like proof showing why I owe these debts and how they have my information. I have no knowledge of this debt or debts.They are causing damage to my credit report and I would like to get to the bottom of this with this agency or agencies. I will also be writing a letter to my states attorney general in regards to these companies I have no business dealings with.
Consumer complaint received 2018-11-08
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)

The two accounts that's reporting on my credit file XXXX  XXXX and XXXX XXXX XXXX XXXX was never verified by the credit bureau that it's my debt and all the things that's reporting. This is against the FCRA & CFPB. I've sent letters every month certified and they refuse to investigate or sent me proof that's both are my debts.
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Called Wells Fargo today asking when will the {$150.00} be deposited into my account for opening an new account and within 60 days I get an directly deposit more than {$500.00} I open acct on the XXXX or close to it and my direct deposit started XX/XX/2018 within the 60 days that 1st {$150.00} should be deposited and the next {$100.00} comes for the next 5 months as long as my deposit stay at least {$500.00} I will get the other {$100.00} Now they coming with some Bait and Switch telling me my account and deposit was not done within the 60 days after I was told by Lady who open my account up and said I will get the promo and thev1st {$150.00} is within the 1st 60 days Now I'm neighborhood told I HAVE TO WAIT THE FULL 5 MONTHS THIS IS A LIE ...
Consumer complaint received 2018-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WY)

Lady needing funds to settle and process father 's will in XXXX XXXX. 
Banks would not loan her money. Her attorney XXXX XXXX and her uncle XXXX XXXX contacted someone to fund her needs. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received 4 checks electically deposited into my checking account at Wells Fargo Bank. Bank  emailed me saying funds available. I with Drew the funds and paid bills to attorneys in US as directed. Checks were resended by Bank as unpaid. I shelled out the money as deposited for a total of about {$67000.00}. I ask Bank for help. They just closed my accounts. Wouldn't tell me anything. I made report to my sheriff, secret Service, and XXXX CT police. The check we're on XXXX XXXX XXXX XXXX XXXX. Address was XXXX CT. I wrote letters with no results. Bank wants the money replaced. For now my Lady friend and myself are in financial trouble. With no one or way to fix. 
Wells Fargo was responsible for telling me the funds were good. They did. Then took the money from me and closed my accounts. 
I think the Bank should be responsible the money and not me. 
I understood the funds would be bank wire with money supporting the deposits. I had no idea who the deposits cam from. I could not see with my app. I had to go to my branch to get copies. Which was days later and after writing the trust.
Consumer complaint received 2018-11-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bureau of Accounts Control (PA)

I was checking my annual credit report and notice a derogatory mark on my report which dropped my score 50 points. After doing some investigating I realized it was from a debt collection company collecting a medical bill I owe. I was hospitalized in XX/XX/2018 and I had bills from multiple different doctors. I've paid so many different doctors for my time in the hospital so it looks like one doctor was missed. However I didn't receive proper notification of this debt or warning that actions against my credit score will be taken. I was on unemployment this year so I also was financially vulnerable this year. The action taken against me by this company is predatory and should be investigated. I will kindly pay the debt owe without any repercussion to my credit score which was unfairly placed. 

XXXX XXXX, XXXX dba Bureau of Accounts Control XXXX. XXXX XXXX XXXX, NJ XXXX Phone : XXXX Amount in question {$330.00} Derogatory marks reported to 3 credit bureaus. Credit score dropped 50 points Occurred XX/XX/2018
Consumer complaint received 2018-11-08
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. (AL)

I have disputed the information through XXXX XXXX in XXXX of XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.
Consumer complaint received 2018-11-13
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. (LA)

I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.
Consumer complaint received 2018-11-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (NV)

XXXX XXXX @ XXXX from XXXX Ohio contacted me today at XXXX XXXX PST from XXXX with a recorded message that " my refusal to sign for a summons could result in negative action against me in court. '' When I was connected to a live person I was informed that they were contacting me regarding a prior loan/debt from XXXX XXXX dating back to XX/XX/2007and a vehicle purchased for my ex-wife. Their representative informed me that this was a " courier '' message related to " pending litigation. '' At that point I told them this debt was disputed and several years outside the Nevada statute of limitations for filing an action. At this point they tried to tell me they were merely a " mediation firm '' and not a debt collector, despite their attempts to have me pay on an unenforceable debt. This is a clear violation of the FDCPA. Though they would not give me their address, they called from the above number and provided a fax number of XXXX. I am requesting my statutory damages for their violation.
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Account Services, Inc. (CT)

I was receiving gas and electric services from XXXX XXXX in Rhode Island, then closed my account when I moved out of state. I received a bill for services, then a reimbursement check for overpaying. I cashed the check thinking that my account was successfully closed now. Later, I received a letter from Allied Account Services on XX/XX/18 for {$120.00} stating that it was a attempt from a debt collector to recover a debt. This has shown up as a derogatory mark on my credit report. I disputed with Allied, who stated they would contact XXXX XXXX. I was sent information stating that there were 2 accounts, one for gas and one for electric, and I had overpaid on one and underpaid on another. Despite receiving a reimbursement check ( and thinking payments were appropriate once the check was cashed ), I still owed on my other account. I contacted Allied again and requested a pay for delete agreement. An Allied representative told me she could take payment and that XXXX XXXX had just started allowing them to tell customers that the mark would be deleted from credit reports within 30 days from date of payment. I asked for this in writing but was declined. I did not make the payment. I called XXXX XXXX and again requested a pay for delete agreement in writing, and a representative told me that this wasnt possible and also the derogatory mark would not come off within 30 days, but I would have to dispute in order to have it removed. I did not make payment.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2018-11-13
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. (LA)

I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.
Consumer complaint received 2018-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 I reported my account ending in XXXX close due to suspicious fraud on my account wells Fargo gladly assisted me with closing the account and opened up a new account for me In XX/XX/2018 I made a complaint that I think my account information has been stolen again and that someone has been using my identify as fraud there was a investigation made ( # XXXX ) for account ending in XXXX Wells Fargo notified me via email XX/XX/2018 that the investigation has been completed and that They couldn't find any valid identify theft, the credit that was applied to my account was reversed, shortly after I was emailed on XX/XX/2018 that my account was closed due to prolonged overdraft. In mid XXXX I contacted wells fargo regarding my closed checking account and also my closed credit card account, my credit card account was closed due to checking account being close ( as wells fargo says ) when I called I was told that if I want to repopen my checking account I will have to go inside of a branch and reapply for a checking account, and my credit card account can should be able to be reopen because it was closed due to checking and NOT for non payments being made. I was told I was going to receive a call back from the CCS executive office and was never notified anything I have to continuously call wells fargo for an update and every time I call they give me a run around, my recent call I spoke to another division of the CCS executive office that is open on Saturdays and was told There was a decision made on XX/XX/18 about my account not being able to reopen and the person on the phone says " the CCS department probably didn't feel like notifying you yet '' wells fargo has bad a known history of data breach and should not be treating or blaming customers for identify theft or data breaches I am extremely upset and dissatisfied with the services wells fargo has provided
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

On XX/XX/XXXX I mailed out 4 Certified letters to the collection agency that are on my credit report, asking for validation of Debt and HIPPA authorization, I have yet to receive my proof of signature. In XX/XX/XXXX I mailed out Certified envelops and all the paper work to show proof that they didn't provide me my request to the three credit bureaus they did remove some of the medical collection, I am still waiting on the 7 collections to be removed, They never responded to my letters and its way over due, and I get denied for credit loans. Its very frustrating when I'm working really hard on my credit and the credit bureau does half of a job. I see from my XXXX XXXX that XXXX is reporting 6 of the medical collections, and XXXX is reporting 14 of the medical collections and XXXX  is reporting 13 of the medical collections that should be off my credit report. and also I have disputed on XXXX XXXX   and they did investigate and found in my favor with XXXX XXXX that they are reporting back in XX/XX/XXXX of a late payment I have NEVER paid late, my payments are made early or on time never LATE. And thats still on my credit as well.