davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

unathorized use of my account wells fargo closed checking account and did no investigation. wells fargo does not make your account safe. after all the fraud and eligal use of persons info by fargo. i have filled suit against fargo along with 12 other account holders
Consumer complaint received 2023-01-06
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. (TX)

My credit report shows that XXXX XXXX  were taken off my credit score on XX/XX/2022, and the last company to run my credit score was XXXX XXXX XXXX XXXX  in XXXX XXXX XXXX  by a manager/salesman through XXXX XXXX  and XXXX and I was denied the financial loan for XXXX XXXX. I recently got mail from XXXX of the Finance companies XXXX XXXXXXXX XXXX XXXX stating that I was denied for Fraudulent behavior on my FICO score, letter was dated XX/XX/2022 and my Alert for the XXXX was dropped on XX/XX/2022 per XXXX and TransUnion Report. The last company before this occurrence was XXXX XXXX for a credit card I was approved for.This fraudulent activity can only be linked to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX report to XXXX. Me and my has been looking at out credit reports per all three credit bureaus and there are very weird companies and credit runs from around that time as well as, XXXX XXXX shows up on my wifes soft inquires on XX/XX/2022 and we only was introduced to that finance company on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX. A month after that first soft inquire was dated as. XXXX XXXX popped up twice on mine for that day XX/XX/2022 on my soft inquires. This Still has not justified the XXXX XXXX taken out on XX/XX/2022. We have noticed alot of soft inquires from various companies on my wifes credit report per XXXX since then. In which per XXXX they have her social security number incorrect as well. We do believe ( not sure ) that this Fraudulent behavior does has to do with the manager/Salesman and the XXXX XXXX I would like to open up an investigation on the behalf of this and pursue legal action for this behavior. The manager was the one that ran us for the loans, XXXX XXXX is showing odd behavior with there deny on me and ONLY being on my soft inquires as well as showing up on my wifes credit report a month before they were introduced to us and the XXXX XXXX that are not justified, seeing how I was denied before the date TransUnion reported and verified the points were taken off my credit score. Also, I would like to speak with an agent regarding this matter, due to the fact there is more information regarding this matter, personally. This is 100 % fraudulent behavior and needs to be handled!
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (WA)

I applied at XXXX and went through a background check with Accurate Background. It began on XX/XX/XXXX and I received a copy of the report on XX/XX/XXXX. The report said that I was found guilty of a crime ( felony misdemeanor ). This report was also sent to the employer. I immediately disputed the report as it was inaccurate. I provided undeniable proof that I was not convicted of said crime the report categorized me as guilty of. I have not been able to reach the dispute team but I was given an email and have yet to get a response. They told me the process is that they will send XXXX a notice saying Im disputing information and they will reinvestigate. I have not been given a timeline or an eta on when the matter will be resolved. This will undoubtedly lead to lost wages due to the delay. Also, because I was not convicted of a crime at all and they reported that I was convicted, it leads me to believe that the team who put the report together were not careful and it could have a real impact on XXXX decision to hire me. If I did not have make sure to check the box to receive a free copy of my report, I likely would not have ever known because I received no call. In my application when I was asked if I had been convicted of any crime in the past 7 years I answered no, so if they thought they found a conviction I should have been contacted before they sent the report to the employer, possibly damaging the work relationship that Im trying to establish. This is very upsetting.
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (TN)

I receveid a copy of my credit report and found the following account that does not belong to me : FIRST FEDERAL CREDIT CONTROL, original creditor XXXX XXXX XXXX XXXX. I contacted the original creditor and explained that this debt is not mine. They agreed and told me I would need to contact the collection agency that is handling the debt.
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, I promptly caught an unauthorized fraudulent charge on my PayPal XXXX ( Virtual credit card number ) and it was subsequently dropped by the fraudulent vendor and never charged ( see attached Ex 3 ). The PayPal agent suggested I delete the PayPal XXXX  and he reassured me that it would be reissued and recovered in my account which was also stated in an email I received from PayPal ( see attached Ex 1 ) Furthermore, on XX/XX/XXXX the PayPal XXXX  button reappeared on my phone app but when I clicked on it to reinstate my PayPal XXXX  it went into a loop. ( see attached Ex 2 ) Unfortunately PayPal 's overseas customer service agents can't help me and this is why I'm filing a complaint. They messaged that I have to establish a relationship to get a PayPal XXXX but I have already had one for a while and have been an active customer since XXXX! 

They told me and sent an email in writing that I can reinstate the PayPal XXXX but are not honoring their word! ( see attached Ex1 ). Furthermore, the PayPal XXXX consumer rights are ambiguous and totally unclear. How can they recommend me to delete my PayPal XXXX and yet be unwilling to reinstate it? That is in effect punishing consumers for doing the right thing! 

All I want is my PayPal XXXX functionality reinstated so I can get a new PayPal XXXX number. 

.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

I received an offer from XXXX to settle my account by XX/XX/2019 for {$1400.00}. I called to accept XX/XX/2019 at XXXX XXXX. XXXX. XXXX XXXX refused to forward me to an Account Manager for final resolution despite my numerous requests and disconnected. 
4 months later, I received a letter from Midland Credit Management stating they had taken over collection of my previous account and were seeking payment of {$4600.00}. Since I do not owe this amount and agreed to an offer from XXXX in the amount of {$1400.00} denied by XXXX XXXX, XXXX customer rep. 
I did all I could to resolve and settle this account XX/XX/2019. The fact XXXX was unable and neglected to accept resolution is on them. I am fine if they want to erase all claimed debt on this account since it has been bungled by their agents.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AP)

XX/XX/2022, I sent a friend {$1000.00} using PayPal. PayPal decided it was suspicious activity and put a freeze on my friend 's account. 

I asked my friend to refund the money and I would try a wire transfer through my bank instead. 

My friend was unable to initiate a refund. When PayPal puts a freeze on an account they take away the option to refund a payment. 

They asked my friend to provide several documents to prove legitimacy and decided they did not like what was provided and permanently closed my friend 's account on XX/XX/2022. 

Instead of sending the {$1000.00} back to me as the originator, PayPal has simply kept the money. 

I have called several times and only gotten automatic voice messages without ever reaching an actual person. 

I have left them messages and their response was my friend must provide the documentation to clear their account. They refused to initiate a refund and said that was not possible. 

They literally have {$1000.00} of my money that never reached the intended recipient and instead of returning it to me, the sender, they are keeping it. I don't know how this is even legal.
Consumer complaint received 2020-04-07
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. (PA)

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Bank of America Credit Card showing on all of my credit bureaus that I never Had. 
It shows Charge OFF. 

I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. 

Thank You.
Consumer complaint received 2020-04-07
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: JPMORGAN CHASE & CO. (UT)

This is the timeline of events with Chase Bank. 
XXXX, XXXX, I tried to update my email address with Chase Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. XXXX : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

Chase bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.
Consumer complaint received 2020-04-07
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. (PA)

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU
Consumer complaint received 2022-02-18
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. (OK)

Hello, XXXX was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and sueing XXXX in another lawsuit related to this! XXXX is taking advantage of people ; my car was repossessed because of this! I'm struggling financially because of this and its holding my credit back. That's against the law and I'm demanding XXXX to be removed from my XXXX, TransUnion and XXXX credit reports asap!
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

Mortgage Company - Home Point Financial Corporation I paid bi-weekly mortgage payments without knowing that Home Point doesn't accept bi-weekly payments. One payment was applied to principal and the other is in suspension. I have been calling up the company for almost 3 weeks now to get this fixed. Every time I am told that this will be fixed within the next 24 to 48 hours. Nothing has been done about it till today. I have also sent several emails to their customer care email id and their supervisor XXXX XXXX.
Consumer complaint received 2020-04-07
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: Continental Services Group, Inc. d/b/a ConServe (TX)

My current university made a mistake XXXX University. Assigned me a class prior to the financial aid kicking in. Pulled me out of the class and charged the fee. They later corrected the problem by offering me a grant to cover their mistake but they sent part of it to a collection agency Conserve. XXXX University advised me they corrected it with conserve XX/XX/2019. This false/mistake by XXXX is showing as a collection item on my credit.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

I mailed Wells Fargo Bank a request for them to provide me with documentation proving the unknown account they have open on my credit file is somehow belongs to me. They have sent no documentation verifying I signed up for this account. Wells Fargo cant provide a record of me signing a contract to open the account.
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

We received a letter from First Citizens Bank XX/XX/2020. They bought our mortgage from XXXX XXXX a year or so ago. They want us to pay an exra XXXX in addition to our regular mortgage payment for deferred interest on a payment we had when we were with XXXX. 2 weeks ago i spoke with them because they sent me a bill for XXXX saying that i had overpaid my mortgage. I pay extra every month and am never late or behind on my loan. The point of this is during the COVID 19 crisis this is totally unethical and unscrupulous. What if we had no jobs? What if we were on a fixed income or had lost our income due to COVID. These people are sharks and should be ashamed of themselves.