davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I have been disputing this account for some time now with TRANSWORLD SYSTEMS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Almost XXXX  dollars was fraudulently withdrawn from my account. Chase bank did little to no investigation and denied my claim without any just reason. they made a hasty decision thats cost me XXXX  dollars. Set me behind on rent and put me In a horrible situation. They dont care or value their customers and they dont even provide the safety and security you would expect from an institution tasked with the protection of of our assets
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and I sent EXPERIAN documentation for fixing a error on my credit report several times ... They still didnt fix the errors on my credit report ... .I sent XXXX balance letters from the 2 companies ... XXXX XXXX and XXXX  XXXX... and they still wont remove the balances that they have on my credit report ... .Experians errors caused my credit score to go down ... .I 'm trying to maintain and build my credit up... .Please help me... .thank you
Consumer complaint received 2022-08-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-26
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. (MI)

I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiry to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiry removed or have anyone from Experian contact me about the status of my concern. Here are the incorrect information and inquiry that I am trying to dispute : XXXX XXXX XXXX MI XXXX XXXX US SM BUS ADMIN ODA Date of inquiry XX/XX/2020
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

Dear PayPal Support, I hope this message finds you well. I am writing to address the recent limitation placed on my PayPal account, which has left me deeply concerned and frustrated. My name is XXXX XXXX, and I am a dedicated PayPal user who has always prioritized security and compliance in my online transactions. 

I want to emphasize that there have been no instances of unusual activity on my account. I have consistently followed PayPal 's security protocols, including two-factor authentication via SMS and facial verification, to ensure the integrity of my account. Additionally, I have diligently verified all necessary documents, including my XXXX XXXX  statements, to confirm my identity and uphold PayPal 's standards. 

As a XXXX XXXX living in the XXXX, PayPal plays an integral role in managing my finances and facilitating essential transactions. The sudden restriction on my account has not only disrupted my financial activities but has also caused undue stress and inconvenience. Moreover, the extended hold on my funds further exacerbates the financial strain I am currently facing. 

I am committed to cooperating fully with PayPal to resolve any concerns and restore access to my account. I am prepared to provide any additional information or documentation necessary to expedite this process and demonstrate my compliance with PayPal 's policies. 

I urge you to conduct a thorough review of my account to verify that there have been no breaches or irregularities. The prompt resolution of this issue is essential to restoring my confidence in PayPal 's services and ensuring uninterrupted access to vital financial resources. 

I appreciate your attention to this matter and kindly request your assistance in resolving it as soon as possible. Your swift action will not only alleviate my immediate concerns but also reaffirm PayPal 's commitment to providing reliable and secure financial services to its users. 

Thank you for your understanding and cooperation. I look forward to a positive resolution and the reinstatement of my account without any limitations. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

Bestbuy routinely locks me out of the payment portal, ran by " Citibank '' now. I have to contact tech support at least every other month in order pay or log in to check on autopay amounts. Its suspicious. Now, I receive XXXX phone calls EVERY day regarding a single late thirty dollar payment. I have attempted to block the number and still receive the harassive calls.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

This past Sunday, XX/XX/22, I received an email alert notifying of a pending {$800.00} XXXX  payment that was scheduled to be debited from my private bank checking account on Monday, XX/XX/22. Ive never used XXXX XXXX  and do not know the recipient. As this was clearly a case of fraud, I promptly phoned XXXX customer service to alert them of the issue. The CSR dismissed it, as the transaction wasnt yet appearing in the account ledger. I emailed the investigation department at the CSRs behest, and provided a screenshot of the evidence. At this point, having performed all due diligence I could, I trusted the bank to protect my interests. 



However, when I checked my account the next morning while on my way into work, I discovered that that transaction had been allowed and that I was subsequently overdrawn {$220.00}. Two days later, the situation still hasnt been resolved and my account still has not been credited the {$800.00} which was stolen. The dispute department is dragging its feet, and my private bankers are indifferent to the situation. As of Thursday, XX/XX/22, XXXX is still letting my account languish with a negative balance without restoring the {$800.00} which was stolen from me due to their negligence and incompetence!
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (OR)

In accordance with the Fair Credit Reporting XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-26
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/24 I purchased/recieved a laptop from XXXX. I bought it through the seller XXXX XXXX It was a XXXX XXXX XXXX. I purchased in via cash app for XXXX. It was advertised as a BRAND NEW, WORKING computer. It said everything was in working order. I got it, the power button didn't work ( XX/XX/24 ) I had to flip the computer upside down and use a sim key pin to turn it on via the novo button ( its a XXXX ), the stylus included didn't work. Then it stopped working barely a month later. ( XX/XX/24 ) The seller refused to refund me as it was outside of the XXXX money back guarentee and return window. The said the product I recieved was working at the time despite it not working fully. They told me to talk to cash app and get a chargeback. I try to contact cash app ( XX/XX/24 ) and they denied my appeal for a chargeback twice. They say that the product was correctly recieved though it was false advertisement.
Consumer complaint received 2021-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

I am writing you to officially lodge a complaint against our mortgage company. We went into forbearance on XX/XX/XXXX. We came out of forbearance on XX/XX/XXXX. We made a payment for XX/XX/XXXX unaware that we didn't have to start paying for two ( 2 ) more months. Clearly at the start, the payment we made for XX/XX/XXXX, was applied to that XX/XX/XXXX, and subsequently Freedom Mortgage sent us two ( 2 ) documents stating we had to make our next payment in XX/XX/XXXX and NOT XX/XX/XXXX. One of those documents we had to sign, notarize, and overnight back to Freedom Mortgage, which we did ( documents attached. ) We started paying XX/XX/XXXX, as Freedom Mortgage instructed, and on time every month since then. However, the XX/XX/XXXX payment we made was, according to a representative we talked to, applied to XX/XX/XXXX instead of XX/XX/XXXX when we made the payment. By doing that our account shows as if we are one ( 1 ) month past due. We have contacted Freedom Mortgage ad nauseam about the incorrect application of our XX/XX/XXXX payment. We have tried to have this corrected over the phone many times only to be told three ( 3 ) of those times, " Oh yes, I don't know why that hasn't been corrected. '' We have sent a letter explaining this mistake by XXXX Overnight to have proof of their receipt of the letter. We received no reply. 


I emailed their Loss Mitigation department Monday XX/XX/XXXX, and I called Freedom Mortgage Monday XX/XX/XXXX to see if my email to Loss Mitigation had any results. The woman I spoke to said she could see in our file that it is being worked on, and she said there was a note in our file not to charge us a late fee, indefinitely. To us, this says that they see there is an issue. That is why we are turning to you for help. This has now shown up on our credit reports. We challenged it with the credit bureau, and the late payment was removed, but we do not want this to continue to happen. We feel they made a mistake, and have no idea how to fix it, and that is why it has been five ( 5 ) months now.

ALL our payments prior to Forbearance were on time, and they have all been on time since being out of Forbearance.

We look forward to a speedy resolution to this ongoing misapplication of funds. Please find the attached documents to which I earlier referred. Should you need any other documents, please let us know. Thank you.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (CT)

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not
communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-26
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. (CT)

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-16
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. (CA)

The account XXXX credit card and the student loan account XXXX  is fraud. They do not belong to me. This complaint is a follow up to my complaint submitted a few weeks ago. In this complaint I have attached a police report. The detective has released the report and they have possible lead on the suspect.
Consumer complaint received 2024-04-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY (TX)

i both a house back in XXXX me and my dad have name on it, for XXXX years living on the property, we didn't get any equity for house? i been true hardship of living, till i missed the monthly payment end up XXXX, i am lucky find some help, just to sale the house, no XXXX help came in my mail box or government help .....
Consumer complaint received 2022-05-26
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-16
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. (NY)

I like to file a complaint. I have found one fraudulent unauthorized item listed on my credit report. The items is as follow XXXX XXXX XXXX XXXX XXXX {$1700.00}. I have attached a copy of my FTC Identity Theft Report XXXX for review. You have 30 days per the Federal Credit Reporting Act to investigate. Please let me know of your findings in a timely manner. Thank you.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (FL)

I received an alert where the company Radius Global Solution reported that I have an account in collection, at this moment I have not received any notification by any means on that subject.

I do not know what is happening or to whom I supposedly " owe '' something.

Below is an excerpt from the report I received. 

Details Summary ALERT TYPE Potentially Negative ALERT SUB TYPE Major Derogatory SOURCE XXXX ALERT DATE XX/XX/2021 BALANCE AMOUNT {$000.00} IS COLLECTION Yes OPEN DATE XX/XX/2021 PAYMENT STATUS Grid Code G ( Collections ) STATUS DATE XX/XX/2021 NAME RADIUS GLOBAL SOLUTION PHONE ( XXXX ) XXXX BUSINESS TYPE YC STREET ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN ZIP XXXX
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

My home was burned by fire XX/XX/XXXX, my insurance company Foremost sent a check to me and I sent it to my mortgage company. Carrington mortgage sent a check XX/XX/XXXX for the contractor to start to rebuild my home amount {$10000.00}. Contractor has sent contract to Carrington mortgage requesting funds be disbursed in one thirds, 1st one third would have been approximately {$40000.00} until the next draw. Total Funds from XXXX XXXX company to rebuild my home was {$100000.00}, Carrington mortgage is holding these funds in escrow and want disburse to the contractor. Carrington mortgage sent me a document to sign saying I wanted to pay off my house and not rebuild with the insurance money. Carrington is trying to steal my home, I'm homeless and need my house to be rebuilt as soon as possible.