davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

My PayPal account had worked fine sense XX/XX/2018, with my first transaction with PayPal was on XX/XX/2018. For the last 19 months I have had normal transactions between friends, certain businesses, XXXX, etc. During this time I did not have one complaint or charge back, so it came as a huge surprise to me when my account was permanently closed and funds being withheld immediately after a friend transferred {$720.00} to me. Before this transfer I had checked my account and everything appeared to be normal, no notifications from Paypal of any kind. After the transfer, Paypal said their system flag my account as a security risk, with no further explanation as to why their system automatically did this. Their algorithm is unfair and I havent been able to get a human to override the ban, therefor they are holding my funds for 180 days. Keep in mind this transfer to my account was not so to a sale of any kind, but rather a friend paying me back money that was owed to me so for Paypal to put a hold on these funds is wrong and I believe they are doing this to thousands of their customers, so they can make interest off these individuals to make up for their recent divorce from XXXX. XXXX is taking on a 2nd money transfer service which will arguably cut into PayPals profit margins. Ive researched online to see if this was happening to anyone else and he was shocked to learn how many people have the same issue, where they were flagged for doing nothing wrong. The customers that did wait the 180 days they got their money back, did not receive a penny more which shows that Paypal did make money off of those individuals for 180 days. It is not right, and their buyer guarantee policy of 180 days is what they are claiming is their reasoning to hold these funds, but in this case there is no buyer so why they are holding my money is what Im complaining about. I want them to restore my access to my account so I can retrieve all of my money, and I will never be using them again so they can close my account if they wish after that. I need this money yesterday, and it has cost me hundreds of dollars in late fees by not being able to access it and its getting more costly each day.
Consumer complaint received 2019-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (FL)

On XX/XX/2019 unverified charges were made on my credit card totaling over {$1000.00}. I disputed these transactions, but BB & T decided that these charges were legitimate and will not reimburse me.
Consumer complaint received 2019-12-26
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. (GA)

I have sent XXXX  and Transunion countless letters along with identification letting them know that I have eighteen hard inquires that I did not authorize. They refuse to remove these hard inquires. I have sent certified letters starting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to this day these hard inquires have not been removed. I have called in countless numbers of times, each time being told they can't help me. They are hindering my ability to obtain a business loan.
Consumer complaint received 2019-12-26
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. (FL)

THE ACCOUNTS AND INQUIRIES THAT ARE DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE. I DID NOT AUTHORIZED THOSE TRANSACTIONS TO BE REPORTED ON MY CREDIT, THESE ACCOUNTS WERE INACCURATELY PLACED. I ASKED THAT YOU CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS AND INQUIRIES PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2020-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I received an offer from Chase bank if I open a Checking and Savings account at the SAME time I would receive a {$600.00} bonus after fulfilling the requirements of each account. On XX/XX/2020 I opened up a checking and savings account on Chase 's website. I followed the rules to set up a External account to fund the accounts. I received the verification from Chase and on Wednesday XX/XX/2020 I funded both accounts. About an hour later I received an email that the transfers were cancelled. I was told to contact Chase. When I called them they treated me like I was a criminal even though I answered every one of their security questions. I went to the branch by my house and again I was treated like a criminal. They would not give me an answer why they would not accept the deposits from my other bank and they would not open the accounts and told me I could NEVER open account at Chase. I am NOT a criminal. I have over a 800 credit score. I deserve to be treated with respect and dignity and I should be allowed to open a account with Chase. I am being discriminated against!!!
Consumer complaint received 2019-12-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northern Resolution Services (AZ)

On XX/XX/XXXX, a company known as " Northern Resolution Services '', XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, called my cell phone from an anonymous number, and left a message. The message stated that the individual was going to " issue legal documents to my home or place of employment '' and to call " XXXX '' to rectify the situation, leading me to believe they were some type of process server. Upon calling the number, I was told that they were trying to collect a debt in the amount of {$2300.00}, for a company called " XXXX XXXX XXXX XXXX ''. They wanted me to pay them via credit or debit card over the phone. I requested that they send me verifiacation of the debt, which has not happened. Upon calling " XXXX XXXX XXXX XXXX '', that company confirmed to me that I once took out a {$350.00} loan from them in XX/XX/XXXX, and that loan was paid off completely, in it's entirety, over two years ago. They also recommended that I not give the " debt collector '' any money or information, and that they would be willing to verify my information to any law enforcement agency or government agency that inquired, that the " debt '' does not currently exist, nor did it ever in the amount specified by " Northern Resolution Services ''. This company has numerous complaints against them online for the same reasons, and also has an extremely similar name and geographic location as another company, called " Northern Resolution Group '', that was fined and shut down by the New York State Attorney General for similar illegal debt collection activities. Upon confronting the company via phone, they denied any wrongdoing, and refused to discuss the situation any further. I have both the message left on my phone, as well as the subsequent phone conversation with " Northern Resolution Services '' recorded, and can make them available to you if needed.
Consumer complaint received 2019-10-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

On : XX/XX/2019 a call was made to experian regarding my credit freeze to my credit report and I spoke with XXXX of experian in XXXX XXXX who told me that I had just frozen my credit with Experian corporation , I told him that I did not and he said when you called in you just did that. I only called the number for experian and followed the prompts to reach a representative to discuss the circumstances which EXPERIAN REFUSES TO REVERT BACK TO a free credit report, available to all companies/entities requesting my credit level which is about XXXX to XXXX and that has been my credit for over sixty years with out a freeze being in place on any agency for credit reporting. AGAIN, today I call experian through their corporate operator and reached a manager of experian named : XXXX, he told me that in my call AGAIN, THAT I had frozen my credit again today XX/XX/2019. I said again " I did not " he said yes you did, I tried to understand by how calling them to speak to someone regarding a freeze, could someone put a freeze on there account? all I got was, " well that's what you just did ''. I have tried to understand how this all could have been done? But I am upset because to purchase ANYTHING, I CAN NOT because my credit has been frozen ... 
I do not EVER WANT MY CREDIT FROZEN AGAIN PERIOD. I respectfully request that they honor my request for them to PERMANENTLY REMOVE ANY AND ALL FREEZES TO MY CREDIT IN THEIR COMPANY AND TO CEASE AND DESIST THESE PRACTICES ... I want to thank you now for your assistance in this matter and I look forward to it being completely resolved.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 150 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-12-26
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: TD BANK US HOLDING COMPANY (IA)

Target RedCard promised to delete my account once I paid it off. They broke this promise and the information on my credit report is still there. I have tried calling this department, but the agents are rude, laugh at me, and hang up on me. Very terrible customer service and a terrible representation of Target Stores.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (OR)

onXX/XX/XXXXirs websited said 2nd stimulus was scheduled for deposit that day and nothing was showing in my paypal account. i got my 1st one no problem same day XX/XX/XXXX XXXX on irs site it showed matching acct number both were deposited into. so i contact paypal and the tell me 3-5 days to clear so i was confused since first one was same day why wouldnt second needless to say ive contacted paypal every other day with limted responses back cant get ahold of them via phone its now day 7 an i get a response that paypals having service updating an im not the only one wondering what the XXXX and they said theyf let me know asap and to reply when ever id like. so i went to reply and the idiots closed the chat an wont let me message them now
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: M&T BANK CORPORATION (GA)

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I tried to unfreeze my credit report at Equifax on XXXX XXXX, 2021. I was unable to access my frozen account even though I had an account when I froze it. Unable to retrieve password. Called Customer Support and they were no help even though company says call Customer Support to unfreeze an account. Equifax was completely uncooperative.
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (MO)

I mailed this letter off certified mail on XX/XX/2020 and I have yet to receive any correspondence from Equifax or XXXX. It has been over 60 days. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also, these accounts are unverifiable, invalidated, inaccurate, and 100 % false. If anything is reporting 100 % inaccurately it must be removed. I hope you find out whats going with this inaccurate information. Would you please clear this up quickly. A new credit report that reflects the updated credit report should sent. They should have completed an investigation within 30 days of receipt of this letter but they didn't and as a result this items must and have to be removed immediately. According to law unverifiable and inaccurate items must be removed and if you are unable to provide me with a verifiable proof within 15 days after your investigation, you must removed the accounts and or the information above. Also, I sent a letter to Equifax about and Incorrect, Unverifiable and Inaccurate Name and Address ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX ) and this must be removed because that's not my name nor is it my address.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

In late XXXX as I was leaving my Delta flight at XXXX XXXX airport, I was approached by a XXXX employee who told me about a XXXX mile bonus offer from American Express. I applied on one of their computers at the terminal and was approved on the spot. I was told I would receive XXXX bonus miles after {$2000.00} in purchases in the first 90 days. A week later I received my card and started using it. 

I contacted American Express today to enquire about the bonus miles and was told I do not quality for that offer. American Express NEVER notified me that I did not qualify for the bonus offer. If that was the case, they should have notified me upon approval. They approved me for a card under certain terms, and now they are not honoring those terms. That is a FRAUDULENT, MISLEADING, DISHONEST business practice, very much like the infamous " BAIT AND SWITCH. '' It hurts me as a consumer to have opened one more  credit card account that I will not use. I was encouraged to open this account to receive the bonus miles. I complied, followed all the rules and now I am told I do not quality. 

To make matters worse, American Express charges {$100.00} per year for the card. This looks like a fraudulent business practice to get people to apply and pay annual fees. Please help me receive the XXXX bonus miles from American Express.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX CARD SERVICES. ( XXXX ) IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR TRANSUNION, ALTHOUGH EQUIFAX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2019-10-15
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-01-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I got XXXX XXXX loans with XXXX XXXX, after a couple of years my loans were taken over by Navient. I have been paying on my loans every month even after the Cares Act was enacted in XXXX. Apparently out of {$1.00} TRILLION of student loan debt my loans don't qualify for the stimulus.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX Balance : {$6700.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX Balance : {$550.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$1200.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance : {$6100.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$98.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TN)

XXXX  XXXX  dose not allow a beneficiary to be setup unless a SSN # is provided. I wanted to set my beneficiary up to a charity but XXXX  XXXX  said this is not possible when I called. I feel it is borderline illegal for them to limit my account in this way.