davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MN)

I changed my Unemployment direct deposit information to direct deposit my unemployment benefits to my PayPal account. This was the first time I had my unemployment benefits get deposited to PayPal. I had my unemployment benefits deposited into my PayPal account on XX/XX/XXXX. The direct deposit was in the amount of {$230.00}. I opened my PayPal account in XXXX and never used my account until I had my unemployment benefits direct deposited into the account. As soon as I received the direct deposit, PayPal put a limitation on my account. Which prevents me from being able to withdraw the {$230.00}. The reason for the limitation they said, was because they had suspicion my account was being used against their policy. Which is not the case since I did not complete any transactions with the account up until I received the direct deposit. So they requested me to send them a picture of my drivers license which my name and address matches my account. They also wanted a bank statement for the debit card that was attached to my PayPal account. But I was unable to supply the bank statement since i added that card back when I opened my PayPal account in XXXX, and the account has been closed for a couple years now. So I told them they can just delete the card from my PayPal account to help resolve the issue. After I sent them that information, PayPal responded stating they put a permanent limitation on my account and I wont be able to access the {$230.00} that is in my account, for 180 days. They said after the 180 days, they will email me, letting me know how I can go about withdrawing the funds in my account. I am in desperate need of my funds to help feed my family, and every time I try and call them and try to resolve this issue and have them issue me a check for my money in my account, they say there is nothing they can do and I have to wait 180 days and wont tell me exactly why my account is permanently limited. I am willing to provide whatever documentation they need to resolve this issue and withdraw my funds. They should not just be allowed to prevent me from accessing my money for absolutely no reason. And why should I have to wait 180 days to receive my money? I have tried everything to work with PayPal to resolve this issue for weeks, and they are not willing to budge at all or release my funds until after the 180 days. I just want to be able to withdraw my funds, and they have no right to prevent me from accessing my own money. I read online when researching this issue, and they do this to a lot of people, which is not okay, especially during a pandemic when people are in desperate need of money.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques (CA)

I want to file a complaint with the company Hunt & Henriques. Hunt & Henriques, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Phone : ( XXXX ) XXXX. Creditor : XXXX XXXX XXXX. 
Account number ending in : XXXX. Balance due as of XX/XX/XXXX : {$6900.00}. 

On XX/XX/XXXX, I sent a letter stating that the information sent to me to validate the credit card debt was unverifiable and incorrect. I stated the debt was invalidated. I asked to cease all reporting and cease all collection of debts immediately. 

On XX/XX/XXXX, a letter was sent to me with a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS. 

The company states to file suit on " BEHALF OUR CLIENT XXXX XXXX XXXX  ''. 

However, XXXX XXXX XXXX already charged off this debt to another company called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. 

Then, I guess XXXX, eventually sold off this debt to Hunt & Henriques in XX/XX/XXXX. 

The resolution I want is for Hunt & Henriques to cease all reporting, cease all collection of debts immediately, and not file suit for this debt because the debt was invalidated, unverifiable, and incorrect.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I paid a down payment of {$300.00} for a trip that was cancelled due to the pandemic. Months ago the travel agency arranging the trip went out of business and I was told I wouldn't get my money back but my money should be covered under purchase protection by my chase card. 
Chase obtained an incorrect information and refused my refund. I managed to get in touch with the original owner of the company that went out of business who explained to me that Chase 's decision was incorrect ( please see emails attached ). To further prove my point - I was travelling with friends who ended up in the same situation as me and Chase was the ONLY card that refused a refund. 
Trying to communicate with them is like hitting a wall and they do everything possible to make this process difficult.
Consumer complaint received 2021-03-08
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. (NJ)

I XXXX XXXX for a living and years back before i lost my wallet with all my credentials in it. I am not a person that checks their credit frequently but i recently check it because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about. I reach out to the credit bureaus XXXX XXXX and transunion regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be deleted from my credit report as soon as possible
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Siggi LLC (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-09
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. (VA)

I am writing in one last attempt to resolve the issues that I have been experiencing since XXXX, because of XXXX failure to follow the law. I previously contacted your office and informed you that I am a victim of identity theft, where my information has been stolen and sold multiple times, and used to obtain goods/services without my consent in different areas of the country. 

Additionally, I previously, requested via mail that you block the unauthorized inquiries from my report maintained by your office because they are a result of identity theft and I did not authorize my report to be ran by anyone, nor did I request anyone run my report. 


Fraudulent Account : 1 ) XXXX XXXX Acct : XXXX 2 ) XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX-XXXX Acct : XXXX Fraudulent Inquires : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. XXXX, Equifax, and XXXX have failed to remove the extended fraud alerts to date.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TX)

This debt has been disputed many many times and documentation of Identity Theft has been provided via certified Mail to this collection agency and XXXX. I have never done business with XXXX and my name is not XXXX XXXX. This debt is not owed by me and the collection agency is in VIOLATION OF FDCPA and TCPA as they are in receipt of documentation from police department and FCRA advising of identity theft but they continue to attempt to collect. I was also just notified that this is now on my credit report ; as a result I am actively providing XXXX XXXX my attorney to get a case against the collection agency as they have now causes me damage.
Consumer complaint received 2021-03-09
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. (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Lakeview loan servicing had not paid my property tax bill. Which they are responsible for doing. It is past due. And it is holding up my refinance. I have attempted to contact them many times. I've spent hours just getting transferred around in the phone tree without taking to anyone. When I finally some to someone, they or me on hold for a long time and still had no clue how to handle this when they came back. They have left me with no options
Consumer complaint received 2021-03-09
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have a credit card from CCB/XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CCB/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CCB/XXXX with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-08-05
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)

Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report. 
To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met.

As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter.

Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing.
Consumer complaint received 2023-05-11
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. (TN)

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX  XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX, XXXX/XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NM)

I applied for a refinance mortgage from NEW REZ, my current lender, on or before XX/XX/2021. The loan officer was XXXX XXXX. The loan rate was locked on XX/XX/XXXX. 
On XX/XX/2021 XXXX XXXX informed me by email that my loan ( Loan # : XXXX ) was conditionally approved and that a Loan Processor would be in touch with me. 
On XX/XX/XXXX Ms. XXXX XXXX contacted me to inquire about the nature of my marriage ( community property or not ) I responded, and have heard nothing since. 
I contacted my loan officer ( XXXX ) who indicated that he is not handling my loan but had to talk to me.
Consumer complaint received 2021-03-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NV)

On XX/XX/2021, I called US Bank to inform them I had received a letter from XXXX county stating my property tax had no been paid on time ( due XXXX XXXX ) and they had already added a penalty onto my total amount due for the third installment. Another installment has been late again as of XXXX XXXX. I have called US Bank about 10 times in the past 30 days trying to have them to pay my property taxes since I pay escrow every month and have never been late with a payment. XXXX county has the right to put a lien on my home if the bank does not pay the tax. I am being treated unfairly, ignored, and seem as if we are a joke to this bank. This is a VA loan and this is how they treat veterans. They dont care that a family could lose their home for there irresponsible actions as a mortgage company. I want my 3rd and 4th property tax payment paid for immediately.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

This submission is more a suggestion than a complaint. 

Credit card companies should provide a running register of charges and payments. This would provide an up to date balance of the credit card. 

Pending charges would be added to the balance as they are verified. 

The current reporting system is not real-time but has a lags in between the times payments are sent, payments are received by the credit card company and payments are posted by the credit card company to the charge card balance. These delays do not exist for charges to the card, many of which appear within minutes of the purchase. 

The change would provide users a better tool for seeing the cards current status and for managing charges and payments. 

It is a simple accounting fix.