davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OH)

My name is XXXX XXXX with PayPal registered email address XXXX My account was limited but the limitation was over and I got email from PayPal to withdraw my funds on XX/XX/2021, but when I want to withdraw my funds, it doesn't allow me, it says there is an issue with my account. 

But PayPal said I could withdraw my funds after the 180 days, but the 180 days is over and I can not withdraw my funds.

I have funds {$4500.00} in my PayPal.

I am very sad about this I have bills to pay.

I need PayPal to resolve every issue with my account so I can withdraw my funds as the 180 days is over. 

Again my email address associated with my account is XXXX XXXX
Consumer complaint received 2020-12-23
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: PNC Bank N.A. (NC)

my brother stole my credit card, i own a fence business and had my brother working for me, well i guess he would get my card use it then put it back and kept doing this for i dont know how long, i only get my bank statements every 3 months so when my secretary was going over them she noticed all these that she knew i wouldnt never use she ask me and i went to my bank PNC in XXXX NC so i told them what happened she told me she would dispute them well a few days later i call she tells me they deny it. I call customer service to PNC and the woman there told me she must not have wanted to do her job, was very nice and we disputed them again, along with the mugshot of my brother in XXXX XXXX XXXX  and along with a police report, my brother also stole my company truck and some tools, so again i waited a few days called back they denied it again. I know for a fact that i did not authorize or do these transactions that i have disputed and i need my money back
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

From : Midland Mortgage To : Affected Covid-19 Borrowers ( They are requesting that borrowers pay entire amount of the three delayed payments immediately after the forbearanceXXXX. Most borrowers will simply not have the available funds ) Midland Mortgage wrote : COVID-19 update for our customers For customers who may not be able to make their mortgage payments because of the coronavirus, we are offering a short-term mortgage assistance plan that delays mortgage payments for three months XXXX, XXXX and XXXX. 
How the plan works : You arent required to make regular monthly mortgage payments for three months. And for those three months, no late fees will be charged and delayed payments wont be reported to credit agencies as past due. 
At the end of the three months, all three delayed payments ( and any other past-due payments ) will be due. If you are not able to make the payments then, well evaluate you for additional mortgage assistance options. 
If you decide you dont want or need to delay your payments for three months, let us know on our website or reply to this email. 
Next steps : Well send you a letter outlining all of the details of this short-term mortgage assistance plan and the next steps to take. If you have any automatic payments scheduled for XXXX, you should go ahead and cancel those. 
Thank you for your patience while weve worked on ways to assist our customers during this crisis.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC (UT)

Flagstar Bank is reporting serious delinquencies on my credit that need to be removed. My account from XXXX XXXX XXXX  was transferred to Flagstar last year. I never had an issues with XXXX as my account was set on auto draft. However, once switched to Flagstar, I made sure to set the account on auto pay in XXXX and that was being drafted every month until XXXX when I suddenly noticed they stopped so I went in and made the payment and set the account on auto draft again. It didn't do it again in XXXX So I made the payment and set up auto pay where it was drafted XX/XX/XXXX. I figured it was done and I received a text saying that I successfully made changes to my account. However, Flagstar never drafted my payment after and made no notification to me. The funds were in my account and for some reason never drafted. I called Flagstar to get this sorted and they all give me a different story including that I applied for Forbearance??? I never ever did as I never needed it! Even now, I can not set up my account on auto draft. Surely something is wrong with their system, I paid up my account now and got current but they need to sort out their system because this was not my fault.
Consumer complaint received 2022-12-28
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. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper website is not working and I am trying to reach someone in Mr. Cooper to renegotiate my loan. there is no way to contact anyone on their website or on Phone. I waited two hours today to get someone to speak to, to renegotiate the loan under new law due to the epidemic of Corona Virus but to no avail. Please see the screenshots. 

Mr Cooper 's website is down and no one is picking up the phone at their customer service, so someone needs to contact me as soon as possible to renegotiate my loan terms because looking at the current situation I will not be able to pay my monthly Mortgage as it is too high looking at the epidemic and economic downturn. 

Here is the synopsis of the new law - The legislation will provide 60 days of forbearance, or a delay in foreclosure, for borrowers with federally backed mortgage loans, starting that period on XX/XX/XXXX. It will allow six months of forbearance for those experiencing economic hardship because of the outbreak. 

For those who've taken out federally backed mortgage loans for multifamily properties, the forbearance period will be 90 days. Borrowers receiving forbearance will not be able to evict or charge late fees during that period to tenants who fail to pay rent.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

In response to my previous complaint number XXXX I have attached a copy of the adverse action letter sent to me by Wells Fargo as well as my response and demand to that adverse action letter as a result of the discrimination and damage caused to me in the form of {$100000.00}.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX  {$560.00} XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2020-03-25
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. (FL)

I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

After already filing a complaint against the bank regarding fees finally the appropriate actions were taken and my account was reversed fees. I was negative XXXX and recently made a XXXX dollar deposit to help maintain my account as I can with only limited income of XXXX  and also being laid off from work due to the covid 19 crisis. Now the bank has closed my account and blocked access to my account. They allege i can view my account statement via my online account or kobile app but they have restricted my account access as shown in the attached photos time stamped as well.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (RI)

I was recently made aware that XXXX XXXX was attempting to collect a debt on a previous account. At the time of closing my account with XXXX XXXX, I was made aware from the customer service representatives that the amount was incorrectly stated that was owed. That representative at the time said she will escalate the issue and have a supervisor look into the issue and a member from management would be in contact. I did receive a call shortly after from a XXXX named XXXX, who had explained that there unfortunately was an issue within their system and the issue will be correctly rectified to the amount owed of {$210.00}, at which time you can make your final payment when you return the equipment in XXXX of the local support centers. I waited XXXX business days as XXXX explained and then brought my equipment to be returned at the local support center in XXXX XXXX, RI. At that time I was told the amount was still incorrect, but they will accept all of the equipment now. The management of the support center has also explained the amount owed was incorrect and we will get this rectified as soon as possible. The amount was never correctly rectified and I have now received a correspondence from XXXX XXXX that a debt collection company, BERLIN WHEELER , INC. will be contacting me in the future for the amount owed ( which is incorrect ). This is XXXX of the many reasons I terminated my relationship with XXXX XXXX, as the customer service is unacceptable. I want to pay the correct amount of {$210.00} and have my account closed permanently and in good standing. I closed the account and terminated the service, the company did not. I am more than willing to pay the correct amount owed and do not feel this should have been handed over to a debt collection company given what has occurred. The communication within the internal teams of this organization are horrendous.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kason Credit Corporation (RI)

I have attempted to rectify this incorrect debt claim to no avail. I have previously opened a complaint, # XXXX, stating the debt was not mine and I was a victim of identity theft. A report was also filed with the FTC, # XXXX. I have received only one correspondence from the debt collection company, at which time I had returned contact and explained the debt was not mine and there is a misunderstanding as this was due to identity theft and I never had a contract that I opened. Please see below the previous complaint information, as I was contacted by KASON CREDIT CORPORATION in regards to an outstanding balanced owed to XXXX - XXXX XXXX in the amount of {$450.00}. I was a victim of identity theft, personal identification and other sensitive information to my identity was stolen. I have filed a ID Theft Report report with the FTC regarding the issue. This debt is not mine and believe my information was wrongfully used to open the account. The company 's return response is not accurate. I have not received " numerous letters or voice messages '' as they have stated. I received one letter and contacted them immediately, stating that I did not complete the contract or agreement in question and it was fraudulent. Including, but not limited to, completing a report with the FTC for identity theft.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MA)

Hello! 

There were XXXX unauthorized charges on my account. 

- Amount : {$75.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$50.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$50.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$300.00}, Merchant : XXXX XXXX Date : XX/XX/XXXX As soon as I noticed the charges I cancelled my account and then immediately reached out to the lenders. 

I first called XXXX XXXX. I asked if they can look up the charges on my card ending in XXXX. They told me they weren't able to do that but were able to verify that I haven't made any charges on my account since XXXX of XXXX and I verified those charges were authorized. 

I then called XXXX and asked if they had charged me on XXXX of my reservations since I actually bought a flight a month ago and canceled it. they assured me there were no charges on that reservation number and to contact my financial institution because I was already refunded. 

I then called Chime multiple times to report these charges and they filed my complaints. just 2 days later I got a response back telling me that no error occurred because I was making other charges around the same time and that I said I didn't have my card. This was false- I never said I didn't have my card and that was an error on the representative 's side that could be verified by looking at our call recording. 

They claim no error occurred but I did not make these charges and they won't do any investigative work to see who did and denied my refund. This is an awful company with awful customer service.
Consumer complaint received 2020-03-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In case number XXXX DATED XX/XX/XXXX XX/XX/XXXX I did not apply for no loan on XX/XX/XXXX with bank america and need the documents sign by me from Bank of America. I did not apply for no loan from Bank of America. Bank of America does nothing but commit fraud on consumers with no documents as proof from the dealer as well as bogus XXXX  with no proof. The run around with some computer letter of XXXX  with no proof. Bank Amercia is known for Fraud after fraud.
Consumer complaint received 2020-03-27
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: AMERICAN EXPRESS COMPANY (NY)

when i first learned of your agency, i never thought id click five times and hiding behind XXXX to start a complaint but im XXXX   so theyll deal ... i will be sending you all what XXXX sent amex and thry used to say we know last month we used the term credit not temp credit and now ill send you copies once i get a complaint number ... our whole deal was we ordered something via XXXX and now this ... via XXXX investigation which mentions nothing about simply foing a usps package trace makes sense no? XXXX from XXXX and amex. 
first pge, they mentioned twice name address it was supposed to go too but under the word delivery youll see tracking for package # 1 package shipped too : XXXX  shipping address : XXXX this item usps tracking details : XXXX then some XXXX  yapping third party shipper and more XXXX  hey how bout simple trace package ... then my fault cause i ridnt get what ordered and no signaturre proof my fault too ... : next from XXXX, maybe you getit a bunch of restricted info then you got ta see it, like place by place trace says approved still XXXX  says delivered or signature proof.. last page i circled " it was delivered and signed by on to the address listed below '' and thats it and thats why amex writes that credit we taken back cause XXXX  aint prove XXXX ...
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Galaxy Capital Acquisitions, LLC (TX)

I reached out to this company at XXXX XXXX XXXX and spoke with a person XXXX. 

Hi XXXX, I just got harassed by an employee of XXXX XXXX XXXX XXXX named XXXX. I asked for supervisor and informed him I am on XXXX and I am filing a complaint with the Consumer Finance Protection Bureau. 

Best Regards, XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-05-13
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. (RI)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$160000.00}
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (GA)

I have been with Discover for 26 years. My rate is a variable rate according to all statements but the rate has never adjusted. It has been 29.99 % for years and everytime I call or message them they inform me they can '' t lower it. I have received not explanation other than that. Over the years the Fed has raised and lowered rates but there is never an adjustment to my rate which I believe is unfair considering I haven't been late in over a decade. I just want fair treatment like my other variable rate cards and a proper explanation as to why my rate never adjusts considering the currently rate to them from Fed is 0 %.