davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

We applied for a mortgage refinance on XX/XX/XXXX in the amount of {$350000.00}. The banker emailed on XX/XX/XXXX and said the loan was approved. The closing process was set for a TBD date in XXXX. On XX/XX/XXXX, a mortgage sales rep emails us and states they are reviewing the file for final approval submission and the lender will need us to continue to provide mortgage statements and pay-stubs until XXXX closing date. On XX/XX/XXXX, we signed papers with notary for closing and settled closing costs. Less XXXX minutes after closing, the notary returns to our residence and states that he has been informed not to file the documents due to an error on the lender or title side. 

The lender never provided a clear explanation regarding the error and stated closing would be rescheduled. I second application was not submitted but the approval process started all over as personal credit bureau had expired and the lender starting recollecting current mortgage statements and pay-stub information. On XX/XX/XXXX, Lender stated that file would be resubmitted to underwriting for an updated approval and their legal team would need to redraw documents. Lender stated a closing date before XX/XX/XXXX. 

On XX/XX/XXXX, lender emailed and informed they were waiting on recert of value and should be able to close within a week or two. 

0n XX/XX/XXXX, we emailed lender for update since we had not received any updated communication from the lender. Lender replied on XX/XX/XXXX and requested updated pay-stubs and bank statements and stated closing was expected the first week of XX/XX/XXXX. The requested information was provided on XX/XX/XXXX. 

The lender sent final closing disclosure and stated closing would be on XX/XX/XXXX. We did not receive any emails, phone calls or texts from the lender or title company regarding closing appointment on XX/XX/XXXX. The title company contacted us about closing on XX/XX/XXXX. Due to continued failure of communication and mortgage services, we considered the lender to be in default and emailed the lender on XX/XX/XXXX regarding failure to close. Lender did not address the issues and attempted to move forward with closing.
Consumer complaint received 2021-03-18
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 (MO)

Hello, Here is what happened to me. On XX/XX/2020 Paypal closed my account and will not release my funds. They have been holding my money ever since. My balance is {$310.00} I have called emailed many times and never get a answer why they won`t release my money. I have spent many hours on hold or waiting for a call back that never happens. I can`t believe that a company like Paypal can get away with stealing people`s money. I was a customer of Paypal for many years. I had know idea Paypal could hold peoples cash anytime they feel like it.
Consumer complaint received 2021-09-04
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. (FL)

Hi, I have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, Law states they are supposed to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX DPT EDXXXX XXXX
Consumer complaint received 2021-03-18
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)

This is my third dispute. 
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-18
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: JPMORGAN CHASE & CO. (NV)

I applied for a mortgage refinance back in XXXX of XXXX. I authorized them to pull my credit at that time. 5 months into the process, the refinance is still not completed to no fault of my own and JP Morgan Chase bank decided to pull my report again in XXXX of XXXX. I did NOT authorize this second hard inquiry.
Consumer complaint received 2021-03-18
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 (OK)

PayPal closed my account for no reason and will not help me with getting it back up and going. 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 months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have asked TransUnion LLC to investigate seven unverified accounts. After waiting within the 30 days for a response they simply stated on my credit reports that the consumer has disputed and then state that the account was verified. I received no such documentation proving TransUnion investigated this issue as requested. I received no signed documentation whatsoever or any proof of any investigation taken in regards to any of the seven accounts i have disputed.
Consumer complaint received 2022-01-21
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)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-03-17
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

THE ACCOUNTS LISTED ON MY CREDIT REPORT IS NOT MINES AND ALSO THERE ARE SEVERAL INQUIRIES ON MY CREDIT REPORT ARE NOT MINES AND THIS IS STRESSING ME OUT AND DAMAGING MY LIFE. I CAN'T SLEEP NOR EAT PLEASE HELP ME RESOLVE THIS ISSUE ASAP.
Consumer complaint received 2021-03-17
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 — Problem with personal statement of dispute
Company: Kansas Counselors, Inc. (MO)

I started the process of wanting to buy a home, I noticed that one of the company 's I requested to validated the debt was back on XX/XX/XXXX and I never got any validation for it. I disputed it I believe in XX/XX/XXXX with XXXX, and when I looked at my report to see what was there, and there were notes from Kansas Counselors, the amount is {$270.00} ; that stated " Dispute resolved consumer disagrees ''. So I called XXXX to see what I can do, I had already challenged it by uploading my proof of the letter tht I sent to them had not been validated. I spoke with a guy named XXXX at XXXX on XX/XX/XXXX and he told me that and I quote, " companies don't have to provide XXXX proof that a debt belongs to a consumer, we just take their word for it and apply it to your credit report ''. So I said, " you mean to tell me that anybody can say I owe anything and have it slapped on my XXXX credit report? '' He just sat there in silence and said nothing. I asked him, " how would he fill if someone just slapped anything on your credit and you were told that the company did not have to provide proof of it? '' Once again he silent and said nothing. This can not be ok for us people. That XXXX does not require any validation and just lets companies place on anything on your report. The company never responded to my letter that I sent back in XX/XX/XXXX either. People credits are being hurt by this and it is not right.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x XXXX  httpXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Consumer complaint received 2021-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received an email from Chase saying my account was being closed and also that my number was deleted from my account. I called the next day in the afternoon trying to figure out what it all means. I have had my chase account for years, i first started with liquid then this. I asked what the reason behind it was and they told me they can not tell me. I was confused and frustrated because I use this account for everything and I also have just moved from California and thats the only bank i use in case family needs something because we all have that bank. I wish they wouldve spoken to me before just closing it without an explanation or allowing myself to provide my information or even show them i have my card. They said there was suspicious activity but i have my card and every alert and notification comes to my phone and email so I was very confused. I do not wish to go into the check system because ive heard those are hard to get out of especially since ive done nothing wrong and i dont want my credit affected.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

To whom it may concern, Account # XXXX I have previously sent you a request to validate my debt, account number XXXX on XX/XX/2021 and XX/XX/2021. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (WV)

Company closed debit card XX/XX/2020, but left the routing & accounting number open and account has a positive balance and company keeps giving the run around about re-activating the account. 
Company gives the same answers and offers the same solution that hasnt revealed any results and they are still in possession of my money on the account
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I was a victim of Identity theft from XXXXXXXX XXXX in XXXX FL XXXX 
There were medical services obtained under my name that were reported to the police as well as the FTC and is an ongoing investigation. We alerted the collection agency and all three credit bureaus. Unfortunately this collection agency will remove it from my credit only to re-report it with a new date attached over and over again. 
The amount stays the same but the name of the lab and collection agency slight changes each time along with not referencing the original date. 

This harassment has caused me time and money. 

The name of the agency is XXXX XXXX XXXX Original creditors listed as : XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX The amount being reported is {$1800.00}
Consumer complaint received 2022-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (UT)

I currently am a co-signer with two loans from Sallie Mae, i do not believe that the interest and fees is calculating correctly considering the fact that these have been paid on time for the last four years with little movement among the loan.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I have been diligent about checking my Experian Credit Report every few days. 
Last week it mysteriously went down XXXX PTs Today it dropped another XXXX points. 
I contacted Experian and they are UNABLE to explain why. 
a ) my balances have been decreasing b ) I have paid OFF two credit cards c ) The credit report balances are not accurate : total credit cards 12 actual 11 Credit card balance according to report XXXX actual XXXX d ). NO new inquiries,, yet despite this the credit score has decreased, and NO ONE at experian the keepers of the credit report can tell me why, they refer me to the bank stating " if you want a direct answer you will have to reach out to a credit advisor. Your Bank may have one. '' They also said : " I would be happy to go over our scoring model and factors but will not be able to give a direct answer '' can not give a direct answer. 

Then why in XXXX 's creation is EXPERIAN allowed to handle this information if they do not know how it works. 
Inaccurate reports that are given to banks is in my eyes a fraudulent act. Reporting FALSE information.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

I was a victim of Identity theft from XX/XX/XXXX- XX/XX/XXXX in XXXX FL . 
There were medical services obtained under my name that were reported to the police as well as the FTC and is an ongoing investigation. We alerted the collection agency and all three credit bureaus. Unfortunately this collection agency will remove it from my credit only to re-report it with a new date attached over and over again. 
The amount stays the same but the name of the lab and collection agency slight changes each time along with not referencing the original date. 

This harassment has caused me time and money. 

The name of the agency is RADIUS GLOBAL SOLUTION Original creditors listed as : XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX The amount being reported is {$1800.00}
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (OH)

Keybank opened an account in error with my deceased grandfathers name ( we have the same first name ). The account was reopened but the account bonus I qualified for does not apply anymore since this is technically a second account. However the bank manager stopped answering my calls and I am owed a new account bonus of {$400.00} with no response from this bank since a month ago please advise.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the first week of XX/XX/2021 i notified Bank of America that I has lost my device and my card. Possible chance of it being stolen. After i received a new card i was not aware they started closing my account. It is still open and now my available funds which are rightfully mine are being held for no reason. They will not give me a date or time nor explain why said available funds are not capable of withdrawal in person
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GUARANTEED RATE INC. (DE)

I performed services for the banks customer. The contract was signed by the bank and there account holder. I was inform both in writing and verbally that upon completion of each section of the the job I would receive payment. 
I have completed 98 % percent of the job and I have not received payment despite constant promises of payment. But the customer and myself have signed releases and still the bank hasnt paid and is unwilling to pay. 
I have been told that payment was sent but when I check the tracking number provided by the bank for the payment it indicates that the payment wasnt sent.