davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/XXXX at XXXX, I received a text from PayPal : " For your protection, we've limited certain features in your PayPal account due to suspicious activity. Log in to resolve the issue. '' I also received an email. 

I went to my online account and saw nothing suspicious so I contacted them through their messaging system. I was advised I needed to provide information such as a picture of my license, utility bill or banking statement. 

I have called several times since XX/XX/XXXX to speak to someone, there is no answer. The messaging system is automated. I haven't worked since XXXX, I was sent {$40.00} on XX/XX/XXXX not realizing I wouldn't be able to get my funds. I found a number on XXXX, I called and it was PayPal Credit, I spoke to XXXX who told me PayPal isn't answering their phones and he has no number for them. Once I told him my situation he gave me a number XXXX. There, I spoke to XXXX who was very kind, she said PayPal picks accounts to verify identity of the customer. She would escalate my issue to the " limitations department '' let them know, I haven't received the phone call I was promised via the message center. 

I have told the message center, I was no longer sending information after sending a copy of my license. 

I received a call XXXX at XXXX from XXXX at PayPal XXXX He said he needed a copy of a utility bill and a copy of my bank statement. He stayed on the line with me as I submitted my XXXX bill and I was going to send a copy of my statement without the account number. He said they needed the first page of my statement with account number and all of the transactions on the statement. I refused to submit that information. He said if they don't receive that, my account will be held for 180 days before the funds are available. 

I told him, I didn't have to show that much detail when I bought my house, so there was no way I would submit that information to PayPal over the internet, let alone my bank would advise me NOT to do that. It doesn't make sense. 

I checked their XXXX feed and there are hundreds of customers who have the same issue and complaint. Two personal friends received the same email I received. I checked consumer affairs, same issues and complaints as well as XXXX  page. 

I need help with this situation. It's not just about {$40.00} it's the principle that there is no suspicious activity on my account. The day before a bill was debited from my account. I have other bills I use PayPal for. I'm not even able to refund the money to my friend. 

Thank you for the assistance to this matter.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

My husband and I started the application process with Wells Fargo in late XX/XX/2020 for a property being sold 'As Is '. We submitted all the required documents right away. From the very beginning, we had severe communication problems on their end, including constantly keeping me out of the loop by persistently not cc'ing me on the email. XXXX XXXX was assigned to our application but throughout the process was in and out of the office for extended periods of time. In the off times, his supervisor XXXX XXXX would " assist '' us with the process. We were given misleading information regarding what accounts could be used for collateral ( it was admitted in writing that underwriting made a mistake on that ). Because of the failure in getting up-to-date information about our process upon returning, Mr. XXXX gave us inaccurate information on several occasions. Ultimately, those mistakes caused us to lose out-of-pocket money towards closing products that we would not otherwise have purchased had they done their due diligence of reading the contract. We asked on SEVERAL occasions if there was anything else besides meeting the minimum reserves ( the delay in securing funds was their fault for providing wrong information initially ) and we were assured nothing else was in the way of closing, just to be notified, weeks later, that they now needed the home that was being sold AS-IS for XXXX, to be completely renovated before a loan could be secured. It was stated in the contract, that WF had from day one, that the house was sold AS IS, pictures were also readily available online showing the current state of the home inside and out. Upon quick research online, it seems that WF has done the same to a lot of customers in the last feel months. I would recommend you look into it for they are to receive money for the appraisal that we are not allowed to shop around for loans they do not intend to grant. During the process, we filled a complaint with WF 's own complaint department ( XXXX XXXX was assigned the complaint ) to try and resolve ongoing communication issues. That was a mere act of formality that yielded no results. The complaint was closed on the assigned date without any sort of solution nor change in behavior.
Consumer complaint received 2021-01-06
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. (GA)

I am filing a complaint to CFPB due to regarding an identity theft that has occurred under my identity. Few credit cards have been issued under my name without my knowledge or approval. I found about these fraudulent activities after reviewing my credit report back in XXXX, 2020. 
These credit cards were actively used by someone that I do not know. I have requested to the credit bureaus to delete and block these accounts from my credit report, and requested to contact each creditors and explain the situation. But involved credit reporting agencies and the creditors will not acknowledge my problem and continues to report an account from XXXX. 
I have requested validation and verification of this account to the credit reporting agencies and to XXXX, but they have never conducted such process. 
I did not receive any of documents that I have requested. Requested documents were ; A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Also, here is the list of all accounts that were involved with identity theft. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXX  charged off my account in XXXX  and then sold my non-public personal information to a debt collector, Portfolio Recovery Associates , LLC in XXXX. XXXX XXXX discharged this debt in XXXX  and yet Portfolio Recovery Assoc has been reporting negative items to my consumer file for the past 3+ years. This has caused a great deal of harm to my quality of life. The law states that once a debt has been discharged, the debtor is no longer liable for the debt and the lender can no longer pursue the collection of the debt. XXXX XXXX knowingly sold my non-public account information after discharging the debt. Not only is this is a violation of the Privacy Act of 1974, but Both companies colluded to commit securities fraud against my SSN and admitted to doing so.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILAITION WITH OR KNOWLEDGE OF. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED TO MY CREDIT PROFILE WHICH IS IN VIOLATION OF 15 USC 1681 FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS ALSO IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-02-09
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Wellness LLC (FL)

I called a number which I thought was a debt collector but ended up talking to a rep from a company called Credit Wellness LLC. I provided them my info under the guise they would help my collections but ended up paying a fee up front. When I asked the rep for his name he replied he can only give me first name and first letter of last name for protection. I immediately requested cancellation and changed my card number so no additional fees can be charged. I put a XXXX alert on my XXXX XXXX.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IN)

In XX/XX/XXXX, Citibank said they sent my money back to XXXX and XXXX never received the money and they will not furnish me paperwork on proof of funds sent to XXXX. I have a right to see prof where my money is at. Citibank are a corrupt company they steal money from people and believe they dont have to give it back. I want my money back from this corrupt bank NOW
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

Back in 2022 I and my son traded in our XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. The dealer was supposed to pay the vehicle off to Westlake Financial. 

In XXXX, I get a call from Westlake Financial that I am 30 days late because no payment was made. I call XXXX to figure out what's going on, and they admitted they never paid off the vehicle like they are supposed to. According to CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a dealer only has 21 days to pay off a trade in. If I turned in my vehicle on XX/XX/XXXX of 2022, there was no possible way for me to be 30 days late in XXXX of XXXX as the vehicle should have been paid off in XXXX. 

I then spoke with Westlake Financial and told them I traded in my vehicle on XX/XX/XXXX of XXXX  and I even sent them a copy of the paperwork proving so. I asked them to speak with XXXX as well since they were the ones who were supposed to pay this. 
I don't remember exactly what happened or how it happened, but eventually the loan did get paid. It was too late for me and my credit, however. 

I spoke with Westlake to see if they could remove the 30 day late payment since this wasn't my fault. They didn't help me or fix anything. They just kept giving me excuses. I have spent over a year trying to fight with them and Mitsubishi to help me fix this, but no one helps me. I just think its sad that I have to suffer the consequences for something I had no control over or was my fault. When you trade in a vehicle at a dealership, you do so in good faith and under the expectation that they would pay the vehicle off in a timely fashion. I have no way of knowing that they would violate California law and not pay off my loan until after I have been damaged and they have to be called out on their tardiness. 

Please help me as I do not think its right I should have to suffer a blemish on my report for 7 years when it was not my fault.
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX XXXX {$3100.00} XXXX/XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX   XXXX {$2200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX   XXXX XXXX {$46000.00} XXXX XXXX XXXX {$100.00}
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Throughout the months of XXXX and some of XXXX my card charged me for multiple XXXX orders and I have never used XXXX on my credit card. The bank said it was " consistent with my previous purchases '' and billed me for XXXX dollars. Some of the restaurants I was billed for are not even in the state of Tennessee and the bank told me to send them more information, which I don't have any more information than they can see because I did not make the purchases. I only have my statement and so do they. I'm sure so many people have used XXXX during a global pandemic. They said if I have more information to fax or mail. I don't have access to a fax machine or a printer because I am unable to XXXX  due to a XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (SC)

In XXXX, I opened an acct with Kikoff, LLC at the advice of a XXXX XXXX co. I was told to pay {$5.00} a mo. and they report the payment as an installment loan to the bureaus which helps improve credit scores. I put this acct on autopay and paid every month ontime without issue.My kikoff dashboard reflects all payments were made on time and my CC statements reflect the same. On XXXX XXXX, XXXX, Kikoff reprted a 90 day late to all credit bureaus dropping my credit score by XXXX pts which wrecked my credit and will potentialy destroy my life. I am a retired widow and applied for a loan to survive basic living expenses and will be denied this loan based on this drop. I immediately sent proof of payment to Kikoff and requested a reversal of this terrible error. They responded stating this was for a second account that was delinquent and said they can not reopen this. I NEVER had a second acct! It wouldn't even make any sense to have a XXXX acct. They reported me 3 months late, XXXX years after opening an acct with them claiming it was a second acct that suddenly appeared and ruined my life over {$15.00} for an account I do not have. I do have ONE account and it's been paid on time. They have since locked me out of my account and have not responded to my request of proof of this XXXX acct which I absolutely did NOT open. The sole purpose of this account was to IMPROVE my score. There is NO purchase, NO real loan, NO service. This company exists for the purpose of telling credit bureaus someone has a ( fake ) loan and paying it each month. I am now in a desperate situation and need immediate assistance. This can destroy my life. I'm hopeful the CFPB can assist with reversing this and also investigate a company that offers no real service, no real loans and claims fake accounts and has the power to destroy people 's lives for no reason. The bureaus dropped my score making me guilty and although I can prove innocence, I'm made to suffer severe consequences. Please advise how this can be corrected. Thank you.
Consumer complaint received 2021-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On Thursday, XX/XX/XXXX I was promised a product over the internet through XXXX XXXX for the amount of {$640.00} the person sending the product XXXX ( XXXX ) XXXX sent detailed photos of it as well, we talked for a few hours and I sent the payment over through XXXX XXXX to the account of XXXX XXXX, after asking him if he had shipped the item constantly he finally blocked my number and stopped answering my messages on the phone number XXXX ( XXXX ) XXXX, and the XXXX XXXX app, i kept messaging the person in hopes that hed respond and requested a refund on the XXXX  app I contacted Wells Fargo immediately that same night as I had just realized I had been scammed, I took 13 days for Wells Fargo to resolve my claim which ended in a denial, them claiming that it was denied because it was a authorized transaction .they did not provide a provisional credit or any support in the meantime the case was being solved, I am now lost of {$640.00} and in the process of appealing and escalating the claim through wells fargo, I just found out about the cfpb which is why I didnt reach out sooner.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (PA)

I am tryin to buy a house and so far it has takes 30 days for the dept of education to transfer it over to Nelnet. Got a letter sayin that it was transferred. I called Nelnet and they said it would take another 30 to 45 days to get a welcome letter and then my account will be setup. I am tryin to be a home owner and purchase a house but they are not expediting anything or tryin to help within my time frame. I am goin to lose the house Im tryin to buy because of there willing not to try to help with my time constraints. I need my account setup and my payment amount, terms, total and any info regarding this to give to my mortgage company to purchase the house, but with Nelnet taking 2 months to do this the house Im tryin to buy is possible because of this and this is all that is holding me up from my mortgage
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My business account should be closed since last week, but Bank of America keep pushing the date of closing account. I received a wire transfer of {$110000.00} from my client. I need my money to work and satisfy my client. The bank slow down my business since 2 weeks now. I want just to close my account and send me my cashier check.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX , and XXXX XXXX. 
As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MO)

I received a letter in the mail claiming I was denied a Macy 's credit card account due to them not being able to verify identity information. I didn't even apply for a credit card for Macy 's so someone must've attempted to with my information.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I was targeted for the {$900.00} Chase bonus- {$300.00} for checking, {$200.00} for savings, and an extra {$400.00} for opening both & meeting requirements. As part of the savings account bonus, I had to deposit {$15000.00} into the savings and keep it there for 90 days. 

I opened my checking & savings account on XX/XX/XXXX. I was paid the {$300.00} checking account bonus portion on XX/XX/XXXX ; however, it is now XX/XX/XXXX and I have still yet to be paid the additional {$600.00}. The {$15000.00} was transferred into the Chase checking on XX/XX/XXXX and moved to the savings account on XX/XX/XXXX. The {$15000.00} has not been moved or touched since then. 

I have contacted Chase XXXX to resolve this issue. I first contacted them on XX/XX/XXXX and was told theyd get back to me by XXXX XXXX. I called today and the issue is still an open case.