davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I have lost my Job due to being on XXXX and awaiting the process of going through the Social Security process. This lead me to be behind One payment of my Modified Mortgage. I pay the mortgage on time, and give a little extra to go towards the outstanding bill. Nation star has been putting that extra money in suspense, and then sending me back a check every so often for that extra money.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Good day, Could you kindly assist me with my PayPal account? 
I regularly use my PayPal account to offer XXXX XXXX XXXX XXXX XXXX. I accept payments from clients using the PayPal checkout button on my website, which is connected to my PayPal. I also withdraw money from my account once per day once the transaction is over.

I just got a notice from Paypal when I opened my email address, indicating " You can no longer do business with PayPal ( Ref ID - XXXX ) '' .I assumed that this was a system error. 
As a result of finishing all of my XXXX XXXX, I have a strong selling history and no issues.

There are no pending cases on my verified PayPal account.

I use it for business purposes so that clients can pay me using the PayPal checkout on my website.

When I called customer service about my problem, they said that a system had automatically blocked my account and those of others.

Please assist us in resolving this issue. In addition, would you kindly review and restore my account so that I may continue to use it for business? I am prepared to provide all necessary documentation, including screenshots of my financial transactions and the website where the funds originated. Please lend a hand as My Paypal account was crucial.

I'm hoping I can count on you for this.

I really appreciate it.
Consumer complaint received 2023-06-23
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-10-22
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I went on credit report XXXX on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate 100 percent.Having incorrect information could hurt my chances of home ownership in the upcoming future.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had a XXXX at Fifth Third Bank ending in # XXXX. I identified a fraudulent transaction posted to my account on XX/XX/22 from XXXX XXXX  for {$49.00}. I called Fifth Third Bank and had the card blocked, closed, and disputed the transaction. They moved my balance to the new card including the fraudulent transaction! On XX/XX/22 they posted a XXXX XXXX to # XXXX and credited my new XXXX ending in # XXXX. They left the {$49.00} transaction on the old account # XXXX and showed the {$49.00} past due on the old account. I can not get them to zero out account # XXXX and they continue to report it to the credit bureaus! I have spoken with two Branch Management teams and requested they correct this, but neither one has corrected it. I have never been late making a payment! Please request they correct my old account to be closed due to fraud and show the balance to be XXXX! Thank you!
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   Law Dictionary ,  XXXX  Edition,   XXXX  , defines Verify a s, 1  ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate . '' 2 ) To confir m or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the accou nt ( s )   in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand   knowledge of the alleged account  ( s ) and  all that has ever transpired for the alleged acco unt ( s ), u nder oath and under the penalty of perjury. As I am sure that you are well aware, current  Federal  case law states th at, Consumer Reporting Agencies   bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Sectio n 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-02-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (VA)

I am trying to sell my old home in XXXXXXXX XXXX The buyer is assuming the mortgage. The mortgage company is Freedom Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, Principal Address at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. The loan number is XXXX. 

My condo went under contract in XXXXXXXX XXXX XXXXXXXX. It is now XX/XX/XXXX. We have not been able to close on the contract because Freedom has not yet approved the assumption. Freedom 's agent in our case, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has told us that on at least one occasion Freedom moved so slow that we had to re-provide documents and information we had already provided because it was now out of date. 

My wife and I have had to continue making the mortgage payments throughout this wait. It is causing us substantial financial hardship. My understanding is that this is taking so long because Freedom is not sure how to actually approve a XXXX loan for approval. My family is bearing the cost of Freedom learning how. Please help!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) 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! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I ( XXXX XXXX ) deposited {$370.00} in cash to my chase checking account ending in XXXX. My plans for this money was to transfer the funds to my XXXX account ending in XXXX. 

On XX/XX/XXXX I submitted a transfer from Chase to XXXX for the {$370.00}. See picture attached. On XX/XX/XXXX the funds of {$370.00} show up in my XXXX account like I would expect them too. 

Chase has a policy where they close accounts with {$0.00} balances if they have been at {$0.00} for 60 days. Well mine had been, and coincidentally the same day I deposited my funds on the XXXX of XXXX, my account was due to be automatically closed. Now, this wouldnt be a problem because like I said I had the money in my XXXX account, but the following happens the next day : On XX/XX/XXXX I get a message saying were trying to reverse your transfer. If the reversal is successful, we'll credit this payment to your account within 4 business days ( see attached ). Well, Chase reversed the transfer from the XXXX account ending in XXXX ( attached transaction ID ) and now I have no money available, and no account for them to redeposit my money back into because it was closed. 

On XX/XX/XXXX I called Chase support and they had no idea where the money in, I was furious and went into my local chase branch in XXXX Indiana. I sat in there for 2 hours no answers whatsoever. 

On XX/XX/XXXX I get a message from chase saying We've reversed your transfer to XXXX for {$370.00} we delivered on XX/XX/XXXX. 
We'll credit your pay-from account on the next business day. Attached. I call support again and no answer to where this money would be going or no indications of when it will be resolved.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MI)

Chase  is deliberately manipulating transactions so they can collect insufficient fund fees. My apartment complex is always slow in depositing my rent check, So I watch very closely when it is removed from my account. As of last night  XXXX   XXXX  the check had n't cleared yet. I get paid by direct deposit. Today  XXXX   XXXX . This morning I hav e 2 i nsufficient fund fees. One transaction was there and had cleared no problem. If this check was " in my account during the business day '' as they claim I would not have been able to fund a bill off their bill pay site at  XXXX  that  XXXX . Nor would I have paid another bill because my account was low. Additionally earlier that day I stopped by the ATM checked balance and everything was fine. I would not have taken money out if they check was there. They have done this in the past and refunded the fees without a problem. Once they caught it on their own and reversed the fees. Second time I had to request it. Their claim is I have already been reached the maximum refund allowed. They always do this right when they know I get paid the next day. Tired of it.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Byrider Franchising, LLC (TX)

On XX/XX/XXXX I financed a vehicle through CNAC in house finance for Byrider. I had to put XXXX  down for the XXXX XXXX XXXX and starting XX/XX/XXXX I had to pay XXXX. I've paid them XXXX, XXXX so far via my debit card not knowing that the vehicle had title issues in Louisiana. I was given the run around for months by Byrider and they kept issuing temporary plates but no solution. They stated they didn't have a vehicle of equal or greater value to provide me. As of XXXX the manager informed me that he was very sorry for my inconvenience and asked if I could take the vehicle to the XXXX title office to get a vin number verification and with that they could work on the title issue. I've also been in contact via email with XXXX XXXX of CNAC to let her know since we entered into this contract fraudulently because I was not aware of the issue to months in the contract. I advised CNAC XXXX XXXX that I would prefer if they wrapped at least the minimum of two payments to the back of the loan until they correct the issue. As of XX/XX/XXXX XXXX XXXX wasn't on board and wanted more money.
Consumer complaint received 2021-01-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation (TN)

The company kept calling me and harassing me 37 times after I told them to stop calling me and they added information to my credit report without my authorization. They also were threatening me on the phone in XX/XX/2019.
Consumer complaint received 2021-06-30
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

they are calling for someone named XXXX who appears to have had my number prior as this is a new phone ( 3 months ) also received from multiple other companies however they are able to remove my number. 
Bank of America said they can not remove the number as I'm not the account holder. they call frequently during the week.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TradeStation Group, Inc. (TN)

Dear Trade Station, I am writing to express my deep dissatisfaction and confusion regarding the recent closure of one of my accounts with your company. I have been a long-standing and dedicated customer of Trade Station , with multiple accounts. I have been actively trading with these accounts for several years now and have always maintained a good standing with your company. 

It was extremely disheartening to receive notice some of my accounts has been closed without any prior notice or explanation. This sudden closure has caused immense inconvenience and has had a significant impact on my trading activities. Moreover, the fact that Trade Station recently approved and opened two additional retirement accounts for me, as well as being in the process of opening another business account, makes this closure even more bewildering.

I do suspect the only reason for this closure is because a member of your team is not able to understand how I can live in one area own a business and work in a completely different location thus having 3 different addresses. Additionally I felt they didn't want to have me submit the email version of paperwork after I filled it out suggested I redo everything and submit an online version. 

I would appreciate if you could provide a clear explanation for the closure of my account. Furthermore, I would like to request that you reconsider your decision and keep my accounts open as there is absolutely no reason behind this closure. I have always been a responsible and reliable customer, and I am confident that I will continue to be so in the future. 

It is imperative that I resolve this matter promptly, as my trading activities have been severely impacted by the closure of my account because I was in the process of transferring funds from another retirement account. I would be more than happy to discuss this matter further with a member of your management team. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2019-10-18
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. (NJ)

I am writing this due to non-compliance with the bureaus ( Experian, XXXX, and XXXX ). They have failed to remove information that was linked with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-03-05
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)

I am writing to you regarding fraudulent information listed on my credit report under the account name " XXXX  '' and account number " XXXX ''. Upon reviewing my credit report, I discovered that there is an account associated with someone named XXXX XXXX, whom I have no affiliation with or knowledge of. This erroneous information is severely affecting my ability to secure housing and obtain other financial opportunities. 

I demand that you take immediate action to remove this fraudulent account from my credit report. It is imperative that you rectify this situation promptly to prevent further damage to my financial standing. I have attached relevant documentation proving my identity and highlighting the discrepancy in the information provided. 

Furthermore, I would like to emphasize the urgency of this matter as it is directly impacting my ability to pursue my financial goals, particularly in securing housing. Therefore, I am setting a deadline of 14 days from the date of this letter for the removal of the fraudulent account from my credit report. Failure to comply with this timeline will result in me taking legal action against the credit bureaus for their failure to address this issue in a timely manner. 

Please be advised that I will hold you liable for any fees incurred as a result of seeking legal counsel and pursuing legal action. I expect a swift resolution to this matter and request confirmation of the removal of the fraudulent account from my credit report within 14 days of receipt of this letter. 

Thank you for your immediate attention to this matter. I look forward to a favorable resolution.