davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XXXX, I received a Venmo from a family member for my daughters XXXX program. On XX/XX/11, I received a Venmo with {$1300.00} for XXXX XXXX XXXX for XXXX family members. While trying to set up a bank account transfer, my account was suspended with no explanation. I sent in a photo ID as they requested, I requested a phone number for customer service, I requested to know why my account was suspended and received no response. There is now {$1500.00} frozen in my Venmo account that I cant access because my account, that I barely use, was suspended. Venmo should have to provide their consumers with basic information surrounding their accounts with suspensions.
Consumer complaint received 2020-08-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (MO)

I applied originally for refinance in XXXX and was told the credit requirements. Weeks later credit requirements changed and I was postponed and recommended I pay a couple of items off. After jumping through all the hoops to get my credit to where they needed it to be in XXXX, I was told I would have a closing disclosure by XX/XX/XXXX. I cant recall what delayed the closing that time, but in XXXX I completed a XXXX withdrawal to pay off a debt at their recommendation. They recorded it incorrectly so I had to ask a family member to borrow {$2500.00} mid XXXX so it would look like the XXXX money was in my savings because they incorrectly recorded it that way instead of being used to payoff debt. I was assured this would allow me to close, this time no later than mid XXXX. They decided to switch me from conventional to FHA a few times, and I wasnt really given a good reason other than this would be a better deal for me and I was told most recently we would definitely close in XXXX. Local office staff members XXXX and XXXX admitted these mistakes in late XXXX and have apologized, assuring me they would be in a position by XXXX to request my loan be rushed to close in XXXX and could be closed by XX/XX/XXXX if approved. They offered me the end of last week around {$2000.00} as pain and suffering ( their offer, their words, not mine ) per XXXX XXXX regional manager and but that the rush was denied and it would now be XXXX before we could close. I asked to speak with XXXX XXXX for an explanation of why we can not expedite the loan closing at this point. Today, XX/XX/XXXX, XXXX XXXX was very condescending and disrespectful blaming my credit for the delays on closing and again offering almost {$2000.00} to make it right as an olive branch but he called me rude and angry, neither of which are true. After almost an hour and him apologizing for his initial tone with me, I agreed to the terms of closing the loan in XXXX and accepting the money offered to make the mistakes right. When I asked for this in writing because in the past few months so many promises had been made only to be broken and have people deny they made them to begin with, he agreed then said instead he was going to transfer my mortgage and not providing the payment offered previously. I expressed a desire to keep our arrangements to avoid the need of starting over completely once again and he refused. I asked if I could speak with his superior or CEO he refused and hung up on me. I am now forced to start the entire process over from the start after waiting almost 6 months to refinance with them. I am a widowed woman with children, working in XXXXealthcare during a worldwide pandemic and this entire process has put undue financial burden and added stress on me. If they did not wish to work with me due to my unattractive credit which was what XXXX blamed for the delays, they should have admitted that and referred me to a lender who could and would help me.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

US Bank stole my money. On XX/XX/2023, they placed a hold on my account without explanation or due cause. I was not informed of this by the bank until I attempted to pay for food, and my card was declined. I called customer service to be informed my account was placed on hold, but they were unsure why and who did it. The person that locked my account did not leave contact information, and instructed them not to remove the hold. 

Since then, it has been three months of being run around in a circle. Despite communicating with the home branch manager, as instructed, she often grew frustrated with me and told me theres nothing she could do and her hands are tied and that she didnt have the authority they claimed. Ive tried every angle : various departments, branch managers at multiple locations, and even attempted contacting the headquarters. Nothing! I have asked for a letter explaining why my account- over {$34000.00} - is on hold, but they refuse to give me any details. They claimed they wanted to verify my funds but I have more than proven it is meant for me. The branch manager smirked in my face and said, I dont think youre getting this money. They dont think its meant for you. How dare they!?? Ive never felt so profiled by a bank! Ive incurred late fees, and was almost evicted from my home! I take care of my mother and siblings, and Im my moms XXXX - I explained this to them, and they STILL refuse to give me my money! It has caused a great inconvenience in the lives of me and my family, which include a XXXX person and XXXX. 

Fast forward to XX/XX/2023, they closed both my business and personal accounts. Although the account in question was my personal, they took it upon themselves to lock my business account. They then transferred the $ XXXX from my business to my personal account, then transferred the total amount of $ XXXX to a private account ( which I have no access to, only them ) and closed both my accounts. Standard policy is to send me my money in the form of a cashiers check after account closure, but they are dodging all communication! It has now been about 60 days since my accounts have been closed ( three months since the initial hold ), and they refuse to send me my funds. I have provided all documentation and whatever necessary, and still nothing. Now, they refuse to return my calls, emails, and push me away when I visit a branch although they still have my money ( and refusing to return it to me! ) There has to be something that can be done! There is no way theyre able to just steal my money like that! No way!
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have diligently followed the established dispute process, providing irrefutable evidence of the fraudulent nature of these items and any other relevant documents. Regrettably, these fraudulent entries continue to tarnish my credit report, exacerbating the negative impact on my financial standing. 

I wish to emphasize the urgency and severity of this matter, and I express the following concerns : The persistent existence of these fraudulent items not only continues to harm my credit score but also raises serious concerns about the security of my personal information. Immediate action is crucial to rectify this situation and prevent further damage. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies promptly investigate and correct inaccurate or fraudulent information. The prolonged existence of these fraudulent entries on my credit report is a direct violation of this legal requirement. 

Despite my repeated attempts to resolve this issue, the lack of resolution is unacceptable. I am left with no choice but to escalate this complaint to higher authorities and legal channels if this matter is not promptly and satisfactorily addressed. 

I insist on your immediate attention to this serious matter and a swift resolution to remove the persistent fraudulent items from my credit report. I demand detailed information on the steps being taken to investigate and correct this issue. 

I expect a written response within 15 days, as the urgency of this matter necessitates a more expedited resolution. This response should outline the results of your investigation and the concrete actions taken to rectify the persistent fraudulent entries. Failure to address this issue within the specified timeframe will leave me with no alternative but to pursue legal remedies aggressively. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$990.00}.
Consumer complaint received 2022-09-19
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. (MN)

The following accounts and credit inquiries listed on my Experian and XXXX credit report was opened without my authorization and the accounts and credit inquiries are fraudulent accounts and credit inquiries : XXXX XXXX  XXXX {$280.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$380.00}, XXXX XXXXXXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX XXXX {$5600.00}, XXXX XXXXXXXX XXXX  XXXX {$580.00}, XXXX, XX/XX/XXXX and XXXX XXXXXX/XX/XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (TX)

XX/XX/2024 at XXXX XXXX  My phone rang and it was my bank I answered after the called twice. They said my card was flagged as someone was trying to use it in Georgia. I stated I am not in Georgia please put a freeze on my accounts. The woman sounded VERY believable and said she was freezing my accounts. She stated she was sending me authentication codes to freeze the account and she needed me to give those back to her, I did as they came from the same thread my bank always texts me from. 
About an hour later I get an email from my bank saying the wire transfer was successful. I called my bank. No one from the bank had called me that morning I had been scammed. They took {$10000.00} from me and wired it to a XXXX XXXX  with the account name XXXX XXXX. 
The bank said they were doing a wire recall of the money ( Ive received no information or confirmation about that ) and that hopefully they could get my money back but if not it wasnt their problem. 
My XXXX is XXXX. That money was my XXXX XXXX XXXX  and it is wiped clean. I have no idea what my bank is doing to help or if Ive even been calling the bank or if the scammers are having my calls forwarded directly to them. I feel so alone and XXXX. Please help me. I dont understand how this wire went through I do t understand why my bank isnt helping me.
Consumer complaint received 2017-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

please help. 
They had my payment on the XXXX of XXXX2017. But still are trying to collect {$150.00}. 
XXXX is not letting the truth, they are saying i was late. 
my certified card, was signed on XXXX/XXXX/2017 by XXXX XXXX XXXX receviced on XXXX/XXXX/2017. I was not late. certified card was signed by XXXX. Maybe he holds payments on purpose, so ocwen can get extra money./ Please help XXXX
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

This company was not authorized to pull my credit report on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-05-15
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: EQUIFAX, INC. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me incredible financial injury, it has caused me defamation of character, caused me to be denied a job, and I can not apply for credit because of this. It has seriously hurt my ability to obtain credit.
Consumer complaint received 2018-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2017 I was in a car accident with my family. The truck was only one year old and the at fault driver 's insurance declared it a total loss. The insurance company made a payment in early XX/XX/2017 ; however because I did not have Gap Insurance, there was a residual amount due. The whole process was very confusing, and I do not recall receiving guidance from Bank of America on how payments were to be made once Insurance made the bulk payment. I was under the impression that with the insurance company making a payment in XX/XX/2017, I did not have to make one in  XXXX and could pay off the residual amount the following month, which I did within 30 days of the XX/XX/2017 due date. Because I did not make a separate payment in XXXX, I was turned over to the credit bureau ( with the loan fully paid off ), even though I was a customer in good standing and never made a late payment prior to this situation. Reporting me to the credit bureau has tarnished my credit report and impacted the interest rate on a recent purchase I financed. I feel that Bank of America should have been more understanding with the situation I was going through ( i.e. the accident, dealing with a pile of medical bills and communications ) and at a minimum tried to contact me via phone or email to make sure ( i.e. positively confirm ) I understood my responsibilities as a consumer. I feel like they took advantage of the situation and am very disappointed as a consumer.
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want all items deleted from my credit report effective immeditialy.I am attaching proof that Equifax admitted i was in fact a victim of this data breach and Equifax has done nothing in return.Please help me delete these illegal accounts from my credit report My life has been going down hill since my information was stolen and i havent been able to get back on track since.Listed below is names of account that affected my credit and been apart of the stolen identity.

Equifax Engament number is XXXX affected accounts due to stolen identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-19
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-14
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: V and H Portfolio (IL)

I was a victim of identity theft it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!
Consumer complaint received 2023-08-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

On XXXX around first week of 2023. I noticed there was a debt collection {$6800.00} on my XXXX XXXX  account opened on XXXX XXXX2023 from Jefferson Capital System with original creditor XXXX XXXX. I disputed it with XXXX discussing I never opened a XXXX and has been with XXXX XXXX XXXX for 10 years now. I have never missed payment with XXXX XXXX XXXX  and always completed my payments. I will also not spend this much amount in wireless. My dispute was denied and this is still showing on my credit report on debt collection. I have been working hard to pay my XXXX loans and credit card payments and to have a debt that is mine is heart breaking.