davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
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 ()

PayPal permanently limited my account with a balance proceeds of about {$140.00}. Funds held for 180 days. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for about a month I tried to transfer to my verified debit card, all attempts denied by PayPal ( pp ) On the XXXX XX/XX/2021 account was XXXX. XXXX and had to verify with pp identification and reason is Unknown. 
After that I received an email saying " partially removed limitations from your PayPal account ( Ref ID - XXXX ) ''. And also I was asked more information by email " We reviewed the information you provided for reference ID - XXXX-XXXX and have restored some features in your account. As we require more information from you, weve still limited certain features on your account. Youll need to provide the remaining information to regain full access to your account. '' But there is no option to submit additional information and my account is still permanently limited state. 
I am an online seller a For now I have never violated any policy of PayPal and other online selling platform. Without PayPal my online business are all stuck and falls down and also in this worldwide pandemic situation it is very hard to do manage present business.

My email linked to my PayPal is " XXXX '' Thank you.
Consumer complaint received 2021-03-11
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. (PA)

After learning how to navigate the apps for the 3 credit bureau I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. Even after filling a report a few years back for identity theft. 

On or around XX/XX/2021 I wrote letters to each bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

I've tried several times to contact XXXX XXXX XXXX  to update my credit score due to it being the same for the past 2 months. My score is completely inaccurate on there site. XXXX XXXX has blocked me on XXXX so they didn't have to deal with it. I've called them and they said it's been updated and again I'm stating it hasn't been updated. My score has gone up on a monthly basis and it's always wrong.
Consumer complaint received 2021-03-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Account with XXXX XXXX reporting. Ive informed equifax I was Victim of theft and account doesnt belong to me. I received a letter from XXXX XXXXl that indicates they would delete account. Ive also attached a copy of letter from equifax saying this account isnt report. But account IS STILL REPORTING. Ive attached copies of the letters for proof
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (CA)

My credit card was stolen in XXXX XXXX and fraudulent purchases were made on my account. I reported the theft and unauthorized charges to BBVA and was told they would open a dispute into those charges and take them off of my account. Months went by and I received no response, resolution, or deletion of charges from my account. Instead, BBVA hit me with Late Fees, and Interest Charges despite my having reported the fraud and offering a police report. 

XXXX XXXX I followed up on the dispute given I had still seen the charges on my account and subsequently charges that were added, as well as a negative impact on my credit. A representative assured me that he would file a new dispute on my behalf for this and that unlike last time, the process would be expedited. 

We are now in XX/XX/XXXX and that has not been done. BBVA has not only charged me for 4 months worth of late payments and interest charges, they also closed my account without communication and are illegally withholding my security deposit for my account. I have spoken to multiple agents who confirm BBVA made a " mistake '' in charges and the closure of my account yet refuse to rectify the issues in real time and maintain there's a network of different " departments '' who need to process the solution. 

I have opened a total of 7-8 cases with BBVA and have stayed on the phone with customer service for hours on end attempting to get answers and resolutions to their deceitful actions. I have been consistently hung up on, placed on excessively long wait times, denied access and communication to upper management, executives, corporate, and escalations.

I have been robbed. My credit has been ruined, and BBVA has chosen to hide behind a network of non communication.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Name : XXXX XXXX XXXX Statement : I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. TransUnion, XXXX, and XXXX, Shared my personal non public information without my full disclosure or written consent. I do have the personal right to privacy that has been very abused and that is a violation under the Gramm Leach Bliley act of 1999. These violations have compromise my non public information and resulted in my identity theft. I demand all accounts be removed in the next 5 business days as stated under law. US DEPT OF EDXXXX # XXXX # XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had an account with XXXX XXXX two years ago. I had lost of income however recently settled with the company. I asked them to delete because information is totally inaccurate. This account shows charge off for this year, last year and the previous year. XX/XX/XXXX was last payment. As of XX/XX/XXXX they have charge off on my account which continues to reset my credit. Ive contacted their CEO and executive office. Initially they were responsive but after a while not so much. I want this removed from my credit. Ive emailed the CEO XXXX XXXX as well.
Consumer complaint received 2021-03-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Heritage Financial Group, Inc. (IN)

XXXX bought a XXXX XXXX XXXX. 
Finance company -heritage .My health gotten worse, I applied for XXXX While waiting for help I had to stop working, which, fell to slow car payment, which heritage, took car, I got my XXXX Then I tried to get car back, heritage said, they sold car, XXXX I received summons. Went to court, met with attorney in court room hallway, have him paperwork from social security, about me being XXXX, how long I been on XXXX, he took papers said he was moving to dismiss, he said I did not need to meet with judge And he can tell judge, so I left courthouse Amount? You tell me, it differs, even on the summons did not have amount. 
They had no date when this happened, which was XXXX. 

One month later, started phone calls from heritage, collections, she claims heritage can sue, as many times or years to come, as for our court date, they said did not mean a thing, on that court day, 29 years of harrassment. 
They informed me they got a judgement against me XXXX, without me being present? 
And as for notice I didn't get any. They claimed they have right to keep embarrassing me Harrassing, me. I asked to not contact me, they call and hangup, I said let 's go back to court, so I can talk to judge, they said no, I am still on XXXX.
Consumer complaint received 2021-03-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (MD)

I participated in a refinance application with my current lender in XX/XX/2020 who conducted a home appraisal for the process. When we realized they didn't have the product I needed, I transferred my application to Citibank. Citibank received all the necessary ( & requested ) paperwork but neglected to advance my file until my appraisal " expired ''. My loan officer advised a 2nd appraisal was just a formality and that the {$700.00} would be refunded to me upon closing. Citibank has been unable to close on the loan to date and I have been subjected long periods of time with ZERO communication/updates on application ( to the point where I had to BEG for an update ), my credit file also had to remain frozen/unchanged for almost 9 months while the application was " in process '' which cost me valuable opportunities ; opportunities which I needed to maintain secure finances during COVID. 

After exhaustive amount of patience and no results to show for the time invested, I have made several pleas to the bank 's branch manager and no longer wish to pursue partnership with Citibank and am requesting a return of all costs as no services were rendered.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

in accordance with the. fair credit reporting act XXXX  account # XXXX has violated my rights. 15 u s.c 1681 section 602 a states I have the right to privacy.15 u, s.c 1681 section 604 a section 2 : If also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

I received a letter from Chase Bank that said my application needed more information for the Chase Freedom Visa Signature application. I have not tried to open a card or any sort of account with Chase Bank. It stated the information they needed to verify was my date of birth and proof of physical address. I called the number gave my reference number that was found on the letter and the representative closed the application and marked it as fradulent. I ran my credit report and saw that there was one instance of a credit check that was not supposed to be on there from Chase Bank completed on XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was just reviewing my credit report on XX/XX/year> and found some addresses that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX continue to report my address and employer name incorrect on my credit report.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (IL)

I applied to Better Mortgage to refinance my mortgage back in XX/XX/2020. The appraisal that was conducted was incomplete and way lower than market value. Better has promised multiple times over the last 4 months that they would refund the appraisal amount fee of {$550.00}. I never received this refund. I have attached the very long email thread that shows Better.com promised the refund of {$550.00}. I have also attached a screen shot of the {$550.00} charge to my master card back on XX/XX/2020. I have yet to receive the refund for the appraisal fee. This is unacceptable.
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX years ago, on a trip to XXXX XXXX, I met a young man and woman who introduced me to this club called XXXX XXXX. They promised to give travel points as XXXX pays for a vacation. They had a website to book discounted hotels, and although flights were not included, flights were offered as an introduction to the club along with some " benefits. '' On getting back to California, after signing the paperwork, their customer service line no longer worked. I had tried numerous times to contact them to no avail. 
They have been in this fraudulent business for a long time; there are numerous complaints about them on XXXX XXXX XXXX XXXX XXXX XXXX including mine. 
My issue now is they have a collection on my credit report for {$5000.00} together with about {$1000.00} already paid. For a service that was never used, and customer service is not available.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

XXXX As I had an appointment time XXXX I XXXX Wells fargo bank XXXX XXXX XXXX They made me waiting over30min time is money I got banker man XXXX I show him ID bank other statements Debit card and asked open account of Wells Fargo, he asked me job XXXX XXXX answered I work at XXXX got XXXX calls that time I couldn't answered some calls but I realized I spent XXXX at the bank I had to go for work. 
I asked him please faster and how min I left for done, but this dark skin XXXX hair man not happy for that but they wasted my time XXXX for waiting even if I had an appointment. 
I had to say I have to go after he came back from processing my ID and Debit card for copy room. 
He said " OK bye bye '' for good. '' I was wondering simply bye bye and gave my ID back so. I was plan come back another time and next day I got XXXX mail XXXX appointment and I made an appointment XXXX XXXX of XX/XX/2023 again with other email and different phone number because they canceled again again when I was heading that location. 
I found out their computer screen shown my ID photo and Debit card As a blocking As a customer. I was talking manager she said I can't opening account forever this Wells Fargo but go other bank and ask. That's shocking me still. What did wrong? Why they have my XXXX still even if I m not opening account and why can't verifying my status? 
I have no problem they treated me as a criminal ID and Debit card on their computer system as a blocking something can't open Wells Fargo forever WHY? It's so mad me and depressed and shocking. 
They have no right to have my DATA on their computer system blocking photo treats.i want remove all my ID PHOTOS AND DEBIT CARD PHOTO.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Fraudulent inquiries made to my credit report for things I did not apply for 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 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MI)

Hello my father and I are looking to refinance our single family primary residence. Doing a simple conventional rate and term loan. We have excellent credit and qualify. The process has taken almost 5 months. This company is having a hard time closing a simple loan. This is happening to so many people. No one is doing anything about it. This is dwelling and draining. They keep promising to close every week and never do. This is a shame. It costed us money and energy! attached are the emails i have sent to the company attaching the ceo and leadership to the email and no one did anything about it. 


Hello team, My father and I have submitted a loan application mid XXXX. Both of us have credit scores over XXXX. Refinancing a primary residence, simple rate and term. Plenty of equity in the home. All documents and stipulations were submitted within the week. Appraisal was done 1 month later. Fast forward we are Going on almost 4 months. During the loan process the loan processor was changed 3 times and our file has been kicked around. The process has not been transparent at all. Everytime I reach out, someone says they are going to check on the loan and no one ever gets back. Its getting ridiculous. I was a mortgage banker for over 2 years at loan depots biggest competitor and not one of my clients ever went through this. To be # 1 you also have to consider the client experience. 


Hello to whom it may concern, My father and I are refinancing our primary residence It has been in process for 4 months. I have attached a image of an email i sent on XX/XX/XXXX to touch base and see where our loan stands. Its XX/XX/XXXX. I tried reaching out to several team members involved in the loan process and no one has reached back out. The process has been a horrible experience. The process is not transparent. We keep going in circles. Our loan is a simple loan that is rate and term, plenty of equity in the property, my father and i both have excellent credit. The point of this email is to get a loan closing date or unfortunately we will withdrawl our application and go with XXXX XXXX. ( As simple as push button get mortgage and close within 30 days ). Please understand where i am coming from. The reason i attached leadership of the company on this email is to make them aware of my situation. This is unacceptable. No one looking to get a loan should go through what i have been through! 

Thank you kindly and respectfully.
Consumer complaint received 2023-03-05
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting Act, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains an old account that was included in my bankruptcy - XXXX XXXX XXXX for XXXX in the amount of {$1600.00}. 

According Fair Debt Collection Practices Act, debt discharged in bankruptcy has a statute of limitations for reporting - 7 years. This account was paid off/ discharged in 2015, which is 7 years ago.

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the very old account Thank you for your consideration, and I hope youll approve my request.