davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Iam an individual of XXXX  descent and have been using PayPal for quite a while now, on XX/XX/2020 my account unfortunately got permanently limited due to issues I'm not familiar with and neither were they explained to me in detail as to why it happened, on the other hand, I read that this sometimes happens with PayPal accounts if you log into your account with a different gadget be it a phone, tablet or desktop it happens and on this day it happened to me. The account was more than a year old and no fraudulent transactions were associated with it.Whenever I'd try to reach PayPal I'd get an automated message from them which really doesn't assist me on how to get the money back from the account which is why I'm coming to you now .... I learnt that this website, consumer finance.gov can assist citizens and non citizens of the United States in such a case and also because PayPal is a company governed by laws of the United States, which is why Im Writting to you and making this complaint, also I have no other way to reach PayPal as via phone calls is also not so swift. I would highly appreciate it as the money in the account is about 500 usd which is quite alot in my country and it would greatly assist me especially now that I need it to take my girlfriend to hospital for check up, she's now XXXX XXXX XXXX  please see if there's something that can be done for me to atleast get the money from my account, no complaints or whatsoever are associated with the account, it's an individual account and not a business account the money I received was purely for personal reasons which is why I have to ask for an appeal and also because I brought up a complaint about the same but wasn't really fairly looked upon I hope you will put more consideration into this. Thank you for your time.Also, I'd like to point out that the email address I have used below for the updates you'll send me is for my PayPal account as well and that it belongs to me personally and in no circumstance am I doing this for anybody else but myself entirely!
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (AL)

XX/XX/2021 Equifax XXXX  XXXX  has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

I noticed that my check was not the usual amount that I usually get. So I contacted the payroll department and that's when I found out that I was being garnished. I got the information of XXXX XXXX XXXX and contacted them to find out why. I was told by the collection agency that I had opened a credit card account in XX/XX/XXXX. I have no recollection of doing such thing. I never liked credit card and I was using prepaid cards at the time. I was told The Final Judgment entered on XXXX XXXX, XXXX in the amount of {$17000.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full. An outstanding balance of {$28000.00}, plus statutory interest is still owed under the judgment. Therefore I am being garnished 25 % of my check every time I get paid by XXXX XXXX XXXX. I sincerely believe that this account was fraudulently opened on my name.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

I received a letter in XXXX that stated my free checking account would no longer be free because it did not meet the guidelines I use which would have been 10 uses of your debit card per month. That guideline was being eliminated and now my account would be charged {$12.00} per month. To ease into this process I would be given a 9 month grace period. But then in XXXX I opened up my checking account online to pay bills and what popped up online was an advertisement offering ways to avoid account fees, and one way was using your debit card 10 times in one month.

I immediately called into the call center, and was routed to my local branch which then escalated my case to the complaint center. And that is where the case lingered for weeks and weeks and weeks on end. I ended up taking pics of the ad with my phone which I have included with my complaint, and I was asked to fax them into my specialist. I received several letters telling me that a resolution was forthcoming. One never came. I called in on the XXXX of XXXX which was after the listed date that was given to me, denying my claim. 

This is unfair because it was their advertisement that caused me to pause and assume that my initial letter must be wrong because of seeing this ad. If you see anything advertised to you in a store that was a mistake or incorrect, they must sell it to you for that price. Why is the banking industry any different? To pay {$12.00} a month for keeping your money safe is just ridiculous and apparently someone at Wells Fargo thought so too, which is why the ad was never taken down! Although, now I am sure it has been!
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (VA)

My pay was garnished {$500.00} by a company named Cach LLC or XXXX and XXXX PA. My payroll team stated that there was no other information given. He have me the filing information which had an address I have not lived at since XXXX. I was never notified of these proceedings. I contacted the court system who signed the docket and they stated that they did not have a number to contact the company either, but I could file and exemption to stop garnishments and get a court date. The court representative also advised me that this case was originally filed in XXXX which is beyond statutory limitations. She stated that she couldnt give me much more information. I tried to research judgements and debt that couldve possibly been on my credit report and concluded that this debt is not mine. I researched the company and found that they are known for attaching debt to people that doesnt belong to them. Im a single mother of 5 and I cant afford to have {$500.00} taken from each paycheck.
Consumer complaint received 2015-10-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION (TX)

I use BBVA Compass Bank to send an International Transfer to XXXX. 

They take the money for my account, but never deliver that money. I contact them, and after an apologize, the say will send the money, and never happen. 

I call and call, with the same results. 1 ) Do n't send the money, 2 ) Do n't return the money to my account.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI (PA)

On XX/XX/2021 I received many phone calls to my cell phone from The General Revenue Corp. I was finally able to answer one call and reached XXXX ( I am not sure if that is the correct spelling of her name ) ; however, she is a collector and I advised her that my phone number ( XXXX ) had been dialed two times to her and I speaking and that it was a violation of the FDCPA. I advised that the times that I was called were XXXX, XXXX, and then at the time that I was speaking with her which was at XXXX. She became combative and defensive and made me seem as if I was a liar. I advised that I would be able to supply proof of it and requested to speak with a supervisor. I was transferred to a senior representative that has manager capabilities. He did not provide his name when asked but he did provide the complaint numbers of XXXX and also XXXX. I was able to leave a message on both. Neither the senior representative or the initial person ( XXXX ) verified my information either. I advised to place my number on the XXXX ( do not call ) list. I left a message at the complaint numbers but there has not been any response on this. I felt as if I was being harassed because the calls were coming in constantly from this agency while I was at and it affected my ability to be productive.
Consumer complaint received 2021-03-22
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: The Law Offices of Mitchell D. Bluhm & Associates (TN)

I have contacted XXXX and XXXX. I have provided them police reports, identity theft documentation, and written requests to remove invalid medical debt. I am a victim of identity theft. 

I do not live in Florida, and therefore do not have medical debt in Florida. 

Furthermore, I am a 100 % XXXX veteran and all my medical expenses are 100 % covered by the Department of Veterans Affairs.
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Consumer complaint received 2021-03-22
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. (TN)

I have contacted XXXX and Transunion. I have provided them police reports, identity theft documentation, and written requests to remove invalid medical debt. I am a victim of identity theft. 

I do not live in Florida, and therefore do not have medical debt in Florida. 

Furthermore, I am a 100 % XXXX veteran and all my medical expenses are 100 % covered by the Department of Veterans Affairs.
Consumer complaint received 2023-06-02
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. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

I have made all payments on time. Due to an error with Home Depots payment systems, instead of spreading my two separately made payment across me two accounts they consolidated the payments to one account. This action made both accounts late. Once late, Citi bank continues to lower my available credit thus hurting my score by 80+ point or more over just a few weeks. I have contacted Citi Bank through Home Depot financial services and they refuse to resolve the issue. I have never missed a payment. My credit score was in the XXXX range an now sits at a bleak XXXX. This kind of thing cant just be happening to me. Amid the pandemic, as we get toward the end, big companies like Citi Bank ( who we bailed out with tax dollars ) should not be treating people in this way. It has effected my ability to seek employment opportunities, receive XXXX XXXX, and opportunities to make income to further pay off debts and basic needs. 

As a combat veteran I sincerely hope that you are able to assist me as well as go after Citi Bank and these actions on others as I am assured Im not the only one.
Consumer complaint received 2023-08-25
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/23 I logged into my Transunion paid subscription account so that I could unlock it as I was seeking credit. It kept giving me an error that said " invalid credentials. '' I called customer service spoke to a representative and they said I had 2 accounts. One paid and one free. I told the rep that I only have 1 account and I pay XXXX a month and it automatically comes out of my account. The rep stated they believe that was why I was locked out. The rep sent me multiple reset password links and they would not work. The rep said that they could delete the free account and see if it lets me in. I tried again with the rep and it would not let me in. The rep then said they needed to transfer me to a supervisor because it was not working. The rep transferred me to a supervisor and then the line disconnected. I called back and got a different rep. who did not really try to assist he just sent a reset password and told me to try it in 10 minutes and ended call. I waited tried the link and it still did not work. I had work so I could not call back as I had already spent an hour trying to get this resolved. on XX/XX/23 I called again and a rep was trying to help me and the line disconnected again. On XX/XX/23 I called again and a rep by the name of XXXX tried to assist me. This rep then said that my account was deactivated by my request. I explained to her I would never cancel my account I have had it for almost 10 years and that is how I monitor and protect my credit. I asked that all the calls that I have made to Transunion the last 3 days be pulled and reviewed and for them to correct my account. The agent said they need to get me to a supervisor. In the process of speaking to the supervisor the line went dead again. I called back got a rep who said they would just set up a case and have a supervisor call me in 24 hours. I have not received a call back. I believe Transunion deliberately closed my account because I have an account that is XXXX that I have had for years and they now charge XXXX for that same account today. All I want is my account fixed and reactivated or give me back the last 10 years of my monthly payment of XXXX per month.
Consumer complaint received 2021-03-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK (MI)

The original Certificate of Deposits were purchased with XXXX XXXX  XXXX, however TCF Bank is the current successor to XXXX XXXX. I have multiple CDs that TCF is stating they have no records or reports about and says, " Sorry, Maam, you're just out of luck! '' This is unacceptable to me and I would like to cash in my CDs.
Consumer complaint received 2023-02-27
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. (NC)

Regardless of the multiple written requests, the inquiries listed below are still reporting on my credit report which is a violation of FCRA. The Equifax Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inquiries below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
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. (PA)

I have notice that an account from XXXX is showing in my credit report that i do not know of, I think I am victim of identity theft, please help me to resolve this issue.
Consumer complaint received 2017-09-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

Everyone knows what 's happened ... .and ocwen is still getting our home ... this is for ms . XXXX XXXX ... .you sent my attorney a packet and in it you stated our insurance was XXXX..and XXXX ... thats correct ... .bc I cancelled it and changed it ... .but if you look right there in the paperwork submitted to you by ocwen that you so thoroughly researched ... there are premiums ... sometimes twice a yr ... in the amounts of XXXX ... XXXX ... XXXX ... but you thoroughly went threw the paperwork??? Right!!!!
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (VA)

My wife and I applied to refinance our home and a rental home. We decided to use New Rez because they already had the primary mortgage. They promised us a rate on the primary home and then came back after everything was signed and locked in and said they made a mistake and added points that we had to pay for to get the rate that we had contracted previously without any points. Even more frustrating, this process started mid XX/XX/XXXX. They call us occasionally and ask for requirements - which we send immediately. Today they called and asked us for some things that we gave them 22 days ago. They have asked us for unbelievable requests like having {$8800.00} in checking at the end of the previous months, show hundreds of thousands in savings/retirement, which we did, again immediately. They had us pay for an appraisal AND they have us locked in at a rate that I probably cant get anymore or I would certainly go elsewhere. Now it is XX/XX/XXXX and we cant get any answers as to where we are in this process. I cant believe it is legal to string us along for 4 months. I am in the financial industry and I have never seen a business operate like this. If its not illegal it is certainly unethical. BEWARE.
Consumer complaint received 2021-03-22
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. (NC)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XX/XX/2021 Re : Account Number : XXXX To Whom it may concern, I recently challenged the validity of multiple Dept of Ed/ XXXX account thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging these accounts with your company you have continued to verify these same accounts. 

It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify these accounts in writing. If such documents can not be produced please DELETE these accounts from my credit report immediately. 

Best Regards, XXXX XXXX
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

Hello, Wells Fargo has added an unjustified fee charge of {$1.00} to my billing statement of XX/XX/XXXX to XX/XX/XXXX. I have been paying my the full balances on the scheduled due dates and I should not be charged fee or interest. 

They had also added incorrect interest charges of {$1.00} and {$1.00} to the billing statements of XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX respectively. I emailed them on XX/XX/XXXX and XX/XX/XXXX ; however, Wells Fargo was not willing to make correction. On XX/XX/XXXX, I emailed them stating that I would report to the Consumer Financial Protection Bureau If Wells Fargo was not willing to make correction. 
Then, they added credit in the amount of {$2.00} to adjust the incorrect interest charges of {$1.00} and {$1.00}. The changes are shown in the statement of XX/XX/XXXX to XX/XX/XXXX. 

These recent unjustified charges are in addition to the problems I filed in complaint # XXXX which they fixed only after I reported to the Consumer Financial Protection Bureau. 

These recurring additions of unwarranted fees and interest charges to my billing statements, even after informed them, are intentional acts of harassment. 

I am attaching the billing statements from XX/XX/XXXX to XX/XX/XXXX for your reference. 

Thank you
Consumer complaint received 2017-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (PA)

Diversified Collections just reported that I have a balance owed to  XXXX   XXXX  on my credit report. On top of not having a balance owed to  XXXX   XXXX , Diversified never gave me a notice of my right to contest the debt, prior to it appearing on my credit report. It just showed up  one  day.