davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Here are the details on my case. I have not loaded XXXX with Paypal in years which I've confirmed on my transactions with them on the website. 

The denied me with the following reason : Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. 

Case ID : XXXX Seller info : XXXX XXXX XXXX XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX Additional Info Your note : I have not used the XXXX XXXX  recently. I did not authorize this transaction. Someone hacked my XXXX account, loaded {$25.00} on to it and then spent it. I have called XXXX twice now and the call has been dropped twice. I've spent a couple hours trying to get my {$25.00} back with no success. 

The XXXX XXXX lacks basic security as you can not log out of all locations, even if you change the password, that does not mean your account is logged out. When I noticed this, I removed all payment methods from my XXXX account. 

I did not make this transaction at all. As far as I can tell, I have not used Paypal to load my XXXX XXXX  in years. Using my XXXX XXXX card gets me XXXX points, so there is no reason to use Paypal for a load. 

Item details Item name : XXXX Card Reload Item description : Reload Quantity : 1 Transactions not refunded XXXX  XXXX XXXX XXXX XX/XX/XXXX, Preapproved Payment Transaction ID : XXXX - {$25.00} USD Additional notes : I have not ever had a dispute with Paypal. I do not abuse the system. It is very unfair that they automatically closed this ticket.
Consumer complaint received 2023-03-03
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I need the items to be removed ASAP for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

XX/XX/XXXX I was XXXX payments behind on my mortgage and contacted the mortgage company for assistance. I initially fell behind on my mortgage because I was laid off due to Covid, I have since begun working again and I am now making more then I was when I bought the home. I was placed on a special forbearance and told it would be good through the end of XXXX During the special forbearance I was told to apply for a payment deferral which I did. I was initially told in XXXX I would have an answer regarding the deferral within 45-60 days. As of XX/XX/XXXX I still did not have an answer and was told to please allow more time for a decision to be made. While on the forbearance I was told that no payment was due and my credit was protected. I was also told I would be approved for the payment deferral as long as I didnt have a lien on my property ( which I dont ). I was told this by multiple loss mitigation agents. 

I spoke to : XXXX ( Agent ID XXXX ) Rajwinder ( Agent ID XXXX ) XXXXi ( Agent ID XXXX ) Each agent told me the same thing regarding the payment deferral. I asked to speak to a supervisor at least 5 separate times and was told a supervisor would call me within 24 -- 48 hours and no one ever called me back. 

Today XX/XX/XXXX I was told I was denied for the payment deferral because my investor did not allow for this type of assistance. This is not true, I have a VA loan and spoke to the VA and they in fact DO allow for payment deferrals and advised me to file a compliant with the CFPB once they heard my story. 

I do not understand why I was told to apply for a payment deferral if a payment deferral is not allowed on VA loans ( according to citizens bank ) I do not understand why it took 4 months for someone to tell me a payment deferral would not work due to my type of loan. 

I do not understand why I have not been contacted by a supervisor when I have asked to speak to one on at least 5 separate occasions. 

I do not understand why I was initially told I could make partial payments to get caught up and now I am being told Citizens will only accept a full payment and partial payments are not allowed.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} XXXX  Paid : {$1900.00} XXXX XXXX Showing Outstanding Principal Balance : {$8600.00} XXXX XXXX has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by 60-90 days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the 4-5 payments that were deferred. Even after XXXX and Gap made their payments, XXXX XXXX has failed to update the account to reflect any payment received and the updated status of the account. XXXX XXXX XXXX XXXX is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.
Consumer complaint received 2023-02-13
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. (NJ)

Credit inquiries were made fraudulently. One from XXXX and another from XXXX Bank on the same day, XX/XX/23. My credit monitoring company alerted me and I froze my accounts.
Consumer complaint received 2022-11-08
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the TransUnion Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint #, and I'm including it again. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Dear Wells Fargo Bank, I am writing to inform you that I am a victim of fraud. I have not deposited any checks into my account in the last 30 days. I was made aware of the fraud when your bank called me to confirm the deposits. 

I understand that under the Fair Credit Billing Act, I have the right to dispute any unauthorized charges or credits made to my account. I am asking that you take immediate action to investigate and reverse any fraudulent charges made to my account. 

I am also requesting that you place a fraud alert on my account to prevent any further fraud. I would also like to be informed of any other measures you can take to ensure that my account is secure. 

I appreciate your prompt attention to this matter.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 than records of convictions of crimes which antedates the report by more than 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 I HAVE SENT LETTERS REQUESTING AN INVESTIGATION. I HAVE NOT RECEIVED ANY CORRESPONDENCE FROM TRANSUNION AND I HAVE NOT RECEIVED AN UPDATED CREDIT REPORT
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX points was deducted on XX/XX/2023. According to XXXX, they have updated records which shows that I am up-to-date. However, the credit report still removed XXXX points which needs to be corrected because its not accurate information.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (NJ)

This issue has gone unresolved since XX/XX/23. I used Santander 's online app to transfer {$2000.00} to XXXX XXXX. I received confirmation that XXXX received the money. But then, they sent a follow-up email that they were having transfer issues and the money was sent back to Santander. However I closed the account with Santander by that time. I filed a complaint with the CFPB with XXXX XXXX. They researched the issue and claimed they sent the funds back to Santander. A contact at XXXX XXXX  even spoke with a woman named XXXX in the XXXX department at Santander. Both banks went back and forth blaming each other. I received a letter from XXXX XXXX  officially closing the case that they do not have the {$2000.00} because it was sent back to Santander even though my account was closed by that time. I have spoken to numerous departments at both Santander and XXXX XXXX  and neither bank is taking responsibility. I have XXXX XXXX numbers, dates, and names with everyone I spoke with. I need Santander to look into this further because XXXX has made the determination that the money lies somewhere with Santander. I can provide every single detail you will need to research further.
Consumer complaint received 2022-11-08
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States i have a 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.
Consumer complaint received 2023-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have written this company several time as to how they verified that I owe them with out any response. 1. Original contract with my signature. 2. Proof I have a legal contract with the company. 3.How did you verify the information you have 4. This debt is not mine.

PORTFOLIO RECOVERY ASSOCIATION.
Consumer complaint received 2022-12-12
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX  XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, 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 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 than records of convictions of crimes which antedates the report by more than 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 2023-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION (CA)

This account has been reporting inaccuracies on my report for years. It has been disputed in the past with XXXX, and I dont feel that XXXX has done enough to show me that a thorough investigation has been done. This account reports inaccurate payment history, and they will not verify that the account belongs to me. Im asking for verification of this debt with my signature.
Consumer complaint received 2023-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (CA)

I never participated in any legal contract in regards to this debt. These accounts are being furnished without any legal agreement/contract. This debt collector is being abusive, deceptive, and unfair in its business dealings with me. This is prohibited by FDCPA. Under FDCPA, I am entitled to {$1000.00} for single one of these violations. Additionally, they didn't follow the correct 5 step validation procedure which again is unfair practices.
Consumer complaint received 2023-10-10
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 (CA)

My PayPal account ( XXXX ) was limited for quite sometime. On XX/XX/2023 I received a mail stating my funds are eligible for withdrawal. Upon trying to make withdrawal I get a message stating that " Sorry there's a problem ''. I'll appreciate if you let PayPal know, that they should let me withdraw my funds after holding it for 180 days. Because I think there is still a restriction placed on my account preventing withdrawals.
Consumer complaint received 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I have a loan serviced by a loan management company, not the loan originator. The Loan management company is Rushmore Loan management XXXX Rushmore Loan Management Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want to pay down a large portion of the loan principle to RECAST MY LOAN and reduce my monthly payments. I am told by the customer service rep that Rushmore will not reduce my payments but that I will pay the loan off earlier. ( by 7 years ). 
I need a lower payment, not an earlier payoff. 
I asked them for the language in my loan agreement that prohibited a recast of my loan payment based upon a reduced principle amount. I was told there was no prohibitive language in my existing agreement. 
Cn we make them agree to reduce my payments if i pay down my principle by {$100000.00}?
Consumer complaint received 2023-02-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I filed a complaint in 2014 about this and you did not help. I lost my home bc they refused to modify while double tracking with surprise foreclosure. They did not give notice and charged me PMI when I paid 25 % down in cash. 

I WANT THE XXXX I AM WITHELD TO FOR WELLS FARGO ABUSES!!! They sent a check for XXXX!!! And LIED WANTING ME TO ACCEPT WO KNOWING WHAT IT WAS. 

XXXX DO YOUR JOB! They are trying to trick those they stole homes from with a small check sent with lying explanation!!! 

WELKS FARGO YOU LIED, TRICKED, COMMITTED FRAUD and STOLE REPLACE MY HOME! I LOST XXXX in EQUITY!!! 

THEY DID NOT PAY WHAT THEY RECEIVED HEYOND ARREARAGES EITHER!!
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

DEAR SYNCB/TJX CO XXXX XXXX Date Opened XX/XX/XXXX ) ; Attn XXXX XXXX XXXX XXXX XXXX negatively marked me late on my credit report on XXXX XXXX XX/XX/XXXX for up to 90 days. I think you got confused with the different account i had with you company. I have never been late with TJX. I reviewed my credit report and noticed that you continue to report inaccurate information on my credit report and shouldn't be reported as such. Ive communicated these scenarios several times with your banking institution representatives and over the phone on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a LOYAL client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.
Consumer complaint received 2023-08-21
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (UT)

I had a bankruptcy discharged in 2015, it was the only way to save my house before foreclosure. I have been making my payments on time all these years but they have not been reported to the credit agencies the only thing it shows is the discharge of the bankruptcy the lawyer and the mortgage company say there should have been a affirmation of dept filed, I clearly had no knowledge I'd this apparently the mortgage company Mr. Cooper never offered one so I'm being told I would have to refinance and the reporting would start then. Killing my credit scores.