davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

Some time between XX/XX/XXXX and XX/XX/XXXX, my PayPal account was locked and I was denied access to the money currently inside. No explanation was given- they requested that I verify my identify and they locked the account shortly after I did so. This came less than two weeks after I filed a complaint with the XXXX XXXX XXXX after PayPal refused to relinquish funds from a second account that had also been locked without explanation. PayPal is illegally holding approximately {$450.00}, a petty sum but one that I earned through honest and legal activity.
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (PA)

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1700.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( XXXX Account Number XXXX XXXX {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2023-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MN)

After filing a complaint on XX/XX/2023, i have noticed that XXXX XXXX XXXX continued to charge me after the account was closed, I payed off the Credit Card ending in XXXX with a {$300.00} Credit Limit. I did not ask for a {$500.00} Credit Increase I did not Approve a {$500.00} credit increase I did not Receive a {$500.00} credit increase the Credit card I have ending in XXXX is {$300.00} Credit Limit. I never asked, Received, Approved a {$500.00} Credit limit. XXXX XXXX XXXX Approved these transactions without my permission, I am being charged for a Credit Card with a {$500.00} Credit Limit, I never Asked, Approved, Received. After being Charged {$900.00} after the account was closed my, Information was sold to a 3rd party Debt Collector Resurgent who is associated with this Company/Organization, the Debt was charged up to {$900.00} dollars instead of a {$1000.00} anything {$1000.00} and above is Federal the tactic used in this measure is very unprofessional and have a life impact on me and many others in the world. I am not Responsible for a {$900.00} Debt that i did not Accrue have Access to Approve or Receive. I tried reaching out to XXXX XXXXXXXX XXXX after talking to them and explaining in a respectful manner its the same process representative hangs up on you while talking, I call back then you get an apology, i called today XX/XX/2023 hung up on me once she pulled up my account, The tactics this company uses is very unprofessional my my personal Data /Information is being used for profit without my knowledge.
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2017-04-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica (TN)

Had XXXX left yesterday .then same day last night had XXXX then this morning .now XXXX cents.someone is stealing my money.i want it back.now.that money was soppose t pay for my doctor or phone bill that was left.im on a fixed income n im n a terrible times.my doctor visit for a XXXX future XXXX is XXXX dollors.help.i tried to call bank.n cant get though.
Consumer complaint received 2022-10-26
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. (NY)

I have sent two set of letters to Transunion LLC, One in XX/XX/2022 and one in XX/XX/2022 to remove a collection from XXXX XXXX XXXX and the item still remains and is not fully validated
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Dear XXXX XXXX XXXX WELLS FARGO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from WELLAS FARGO. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2015-07-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jzanus Ltd. (NY)

Threatening to report to credit agency amount in dispute. I have asked the the debt collection agency what the amount due is for and they tell me to call the hospital. Since they have no billing info there is nothing I can call the hospital about. Spoke to Supervisor XXXX XXXX, on XXXX/XXXX/15 who said he would contact hospital and find out what the amount his office is billing is for and call me back on Monday XXXX/XXXX/2015. A week later and he still has not called. I tried to call him today and was unsuccessful in getting him to the phone.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-19
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. (AZ)

I have been a victim of Identity theft and this account needs to be removed per federal law that states a consumer reporting agency or data furnisher must remove all accounts involved in Identity theft within 4 days after receiving their Identity theft packet and I will be uploading the whole packet in this complaint this ACCOUNT MUST BE REMOVED NOW!!!!! or this company will be facing a MAJOR LAWSUIT IN FEDERAL COURT IF THIS ACCOUNT IS NOT DELETED BY FRIDAY I WILL BE SENDING LAW SUIT PAPER WORK TO YOUR OFFICE AS WELL AS COLLECTING {$1000.00} PER VIOLATION
Consumer complaint received 2018-10-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I contacted Experian via mail at XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/2018, alerting them to a paid for deletion account showing on my credit report, I also included documentation/receipts from the company reflecting account was paid for removal. I have not received any feedback from Experian. I have attempted to contact them via the multiple phone numbers listed, XXXX, XXXX, XXXX, and XXXX, I only recieved an automated message with limited options, stating to please try using online services for further assistance. I then attempted to complete an online dispute form but continually received an error message stating site was unavailable. It's been 45 days and I have yet to receive a response nor can I contact anyone to follow-up. 

XXXX XXXX, account # XXXX, the account is showing paid and closed, the account should be removed from my report.
Consumer complaint received 2017-09-21
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION (CA)

I went to the finance company on base and they told me I would have to pay the full amount right then or risk having my company commander finding all about this problem. They stated it was protocole to report to my Co. and let them know about my delinquency. They started to make calls to my HQ and informed my Co. about the balance on my dept, and it was now a default status and there was nothing I could do about it. I would have to pay the full balance today, or they would have no choice but to notify my Co about this, they would restrict my account to me, they would also need the vehicle returned to them right away and I would not be able to get it back. I would have very bad credit as a result of this problem, and it would take years to repair it. They wanted the money right away. I just did n't have the money amount they were requesting, almost {$6800.00}. They came to get the car picked up, and told me to start looking at my credit report, as the negative information should be showing up pretty soon. I was so very embarrassed they contacted my company commander, and those around me on base regarding my credit issues. I felt as if I could do nothing at all, helpless to help my situation at that point. As a result of this problem, I could not get further credit anywhere, and my credit rating actually went down because of this also. We would like the additional money to deal with this problem, and to address the loss interest we would have incurred as a result of my partial payment made that I lost due to it not being returned. I have paid credit agencies money to try to clean up my credit rating, but it still shows negative from the Navy Credit union, it seems like my money is not doing anything so far, just wasting away. I am asking for help to help restore my credit rating as a result of my NCU account showing negative. I just want it back to where it was prior to this loan. Nothing more. I will now have to have a credit monitoring system in place, as the government seems ca n't do it either. I just want the right thing done here. Thank you. XXXX
Consumer complaint received 2020-12-27
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. (FL)

To Whom It May Concern TransUnion XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : I HAVE NEVER LIVED AT THIS ADDRESS, PLEASE REMOVE THIS FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-07-25
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 was checking my credit report on credit karma on XX/XX/XXXX and I noticed a few inquiries that I do not recall applying for. There are four inquiries that I did not apply for that are showing up on my credit report. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX and XXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX. XXXX XXXX was reported on XX/XX/XXXX and XXXX XXXX was reported on XX/XX/XXXX.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In late XXXX, I received in the mail an offer from Capital One for a XXXX credit card, as I was a " valued customer ''. It offered a 0 % on purchases and balance transfers until XX/XX/XXXX. I applied by the XX/XX/XXXX deadline and was sent my XXXX card with a {$5000.00} limit. In XXXX I purchased a vehicle and used my new card for the down payment of {$5000.00} and set up auto payments so the balance would be paid off by XX/XX/XXXX. 
In XXXX I checked the activity on my card and saw two interest charges ( XXXX for {$110.00} and XXXX for {$110.00} ). I called Capital One to investigate the charges and was told that I didn't request the special offer for the card and was issued a different XXXX card @ something like 24 % interest! I am a XXXX XXXX XXXX woman with excellent credit and the ability to have paid the {$5000.00} without using this new card and only did so to avoid withdrawing from my investments. I explained all this to the representative at Capital One and even opened a case with upper management ( XXXX XXXXXXXX ) but to no avail. They refused to refund the interest charges. 
I applied for this offer online and evidently somehow did not get approved for the offer I wished to take advantage of. I received nothing with the new card disclosing the interest rate or that I was denied the promotional offer. 

All that said, I paid off the balance including the interest charges, but, feel that considering the circumstances, Capital One should have refunded the charges. 
XXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit 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: NAVY FEDERAL CREDIT UNION (GA)

I have three unauthorized charges on my Navy Federal XXXX XXXX card that I didnt authorize and I submitted a dispute with Navy Federal and they initially reverse back the charges and now are denying my disputes to credit back my card. The three charges was charged at different times and I was credit back for the XXXX charge in XXXX and they came back six months later and credit it back to my card on XX/XX/2023 when charged me back for XXXX XXXX XXXX. I do not have an account with XXXX XXXX and I didnt authorize these transactions. 

XXXX XXXX {$2500.00} XX/XX/2023 XXXX XXXX XXXXXXXX {$2700.00} XX/XX/2023 XXXX. XXXX XXXX XXXX {$930.00} XX/XX/2023XX/XX/2023
Consumer complaint received 2023-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: DHI Mortgage Company (TX)

I closed on a townhome XX/XX/2023 ; it was a new build with developer XXXX XXXX. The lender was the developer 's, XXXX. An appraisal was completed for financing in which the home appraised for XXXX, XXXX which was the price of the home. After completion and closing I emailed for a XXXX appraisal, as it stated I was entitled to. The lender did not respond when it reached my personal loan officer through email and I received notification within XXXX hours that the loan had been transferred to another company. My first payment for my home never even went to the original lender because of transfer of loan so quickly. When I received the county loan appraisal for property taxes the appraisal of home was {$50000.00} than the original loan that has been within less than a 6 month span.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (MD)

I applied for a property and was denied. I got the report from XXXX who uses Experian rent bureau. They said I was denied due to my rental history. When I looked at the report I saw an account that does not belong to me and clearly inaccurate. The report show P for paid as agreed for one month which shows as the first month, then every other month is no data. But the report says late payments and NSF payments, but it doesnt show those symbols for any month. This is negatively impacting me. I currently still have on going dispute with Experian and have reported identity theft and they have not taken the correct measures to block and remove items. They did however remove the address from my Experian report but not my Experian rent bureau report, which makes no sense. It does not show on any other report or any other credit bureau except Experian rent bureau. Please remove this immediately.