davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MA)

PayPal withdrew and kept my complete funds of {$830.00} on XX/XX/XXXX The last day I was able to use my PayPal account was XX/XX/XXXX. Due to them locking me out of my account. 

When I called PayPal and spoke to a representative they said that the PayPal team determined I was using my account for gambling and there was no way of me disputing it because the PayPal team made their decision. 
The rep went on to say that I would receive a email in 6 months letting me know when I would have access to my account. 
They claim that they needed to put my account on hold to make sure any transactions I had made would be processed. 
I would periodically check my account to see if I had access again I did this at least once a month between XXXX and XXXX of XXXX. 
I noticed a few days after XX/XX/XXXX that PayPal had withdrew my complete funds of {$830.00} and transferred my funds to themselves ( paypal ) Below is the letter I wrote to the president of PayPal but I never received a response XX/XX/XXXX XXXX XXXX, I am writing regarding a PayPal transaction on my account dated XXXX, where your company transferred my funds, in the amount of {$830.00}, as payment to PayPal citing an acceptable use violation. Your company has made a claim against that those funds were obtained through gambling and they absolutely were not. I was originally told that the funds would be held for 6 months and then released to me and then noticed that this had occurred instead. I never agreed to PayPal taking my money. This is extremely devastating because although it may not be much to you, this is A LOT of money for me and I need it back immediately. Please consider this my formal demand letter. If the money is not returned within one week from todays date, I will be reporting this matter along with a formal complaint to the State of Alaska, Division of Banking & Securities and any other entities necessary. 

I would appreciate immediate attention to this matter. 

Regards,
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a pandemic household hardship that I requested assistance on that ended XX/XX/21. I have been trying to work with Bank of America since that time. I originally asked for a modification and that increased the PITI by 30 %. Then on XX/XX/21 I requested the deferment and followed all of the instructions provided to " opt of out of the flex modification '' and to request " the deferment '', so I did that ( and I have verification the fax was received that day, but had to re-fax it to two more times later that month, all of which where delivered ). I asked how they knew I could afford that monthly payment, as I was not asked for my financial information. I was told a financial interview was done on XX/XX/21. Then, after a number of phone calls, I was told on XX/XX/21 that the financial interview ( what I call taking an application by phone ) was not done, so we did it that day ( I provided all of the financial information income, debt, etc. ). I then received a call XX/XX/21 and explained that I applied for consideration of " all loss mitigation '' options on XX/XX/21. I was told it was not assigned to an underwriter, but that he forward it to an underwriter at that time. I have spoken with 9 different people and I have no direct point of contact. At least, no one with a direct phone number or voicemail that I can reach ( but supposedly a name is assigned ). Each phone call is like starting over and accomplishes nothing. On XX/XX/21 I made a final attempt to reach out and I was told they would mail me another application to fill out and return. My question is, what happened to my financial information provided on XX/XX/21 over the phone? No answer to that question.
Consumer complaint received 2022-01-04
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I have sent out validation letters to verify the account in question on XX/XX/10 and didnt receive anything back. The debt is for {$2300.00} which I didnt give my consent for.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XX/XX/2019, while present at the XXXX, MA  Bank of America branch, XXXX XXXX canceled a recurring {$12.00} monthly automatic deduction by XXXX for a XXXX subscription for which I NEVER SIGNED UP. I dont shop on XXXX because they never have anything I want, so I had zero interest in their membership, nor did I give XXXX permission AT ANY TIME to charge my account. 

XXXX recurring charges continued anyway, so I filed Claim # XXXX, for a total of {$290.00}, with Bank of Americas Claims Department. This total included five monthly charges by XXXX of {$12.00} each, as well as charges attributed to XXXX ( {$98.00}, {$59.00}, {$37.00}, and {$34.00} ; documentation for all amounts attached ) for which I had NO CORRESPONDING XXXX   PURCHASES. 

On XX/XX/2019, Bank of America denied this claim and charged back to my account the {$290.00} they'd previously removed while the investigation was on-going. On XX/XX/2019, I called their Claims Dept. and spoke w/XXXX. She re-opened my claim, and requested on my behalf Bank of America 's allegedly supporting documents for their denial of my claim. XXXX said I would have to call again, in 3-5 business days, at which point the documents supporting BoA 's denial of my claim would be available to me. 

On XX/XX/2019 I called their Claims Dept. again and spoke with XXXX. He appeared to be a new employee who did not have any idea to what supporting documents I was referring when I requested them. He put me on hold, consulted with others, then informed me the documents would be emailed to my email address XXXX. XXXX had no idea when I would receive them, but thought maybe 24 hours. 

On XX/XX/2019, XXXX XXXX at the XXXX, MA branch of Bank of America submitted a complaint ( # XXXX ) case regarding my claim. In her email on the same date ( attached ), XXXX stated the target resolution date was XX/XX/2019, and if an extension was needed they would inform me either before or on that date. 

As of today, XX/XX/2019, I HAVE NOT BEEN CREDITED EITHER the {$290.00} back in my account, NOR HAVE I RECEIVED the supporting documents I requested back on XX/XX/2019, NOR HAS Bank of America contacted me, either regarding the status of my claim, or the status of the supporting documents for their denial of my claim, by their self-imposed XX/XX/2019 deadline, or at any time since then, up to, and including, this filing.
Consumer complaint received 2022-01-04
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. (NY)

The bureaus have not properly verified their sources and are reporting inaccurate information that is damaging my credit scores. 


I already reached out to the courts and the courts have indeed verified that they do not verify or share information with the credit bureaus. 

XXXX responded to the previous dispute on XX/XX/2021 stating that the company reporting the information has verified the information as correct, however they do not say who the company is that is reporting the information. If the credit bureaus are not in fact checking with the alleged original source of information and the the original source says they DO NOT provide any information to the credit bureau then the credit bureau is in fact in violation on the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance and is violating my right for complete and accurate reporting.
Consumer complaint received 2022-01-04
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. (NY)

The bureaus have not properly verified their sources and are reporting inaccurate information that is damaging my credit scores. 


I already reached out to the courts and the courts have indeed verified that they do not verify or share information with the credit bureaus. 

XXXX responded to the previous dispute on XX/XX/2021 stating that the company reporting the information has verified the information as correct, however they do not say who the company is that is reporting the information. If the credit bureaus are not in fact checking with the alleged original source of information and the the original source says they DO NOT provide any information to the credit bureau then the credit bureau is in fact in violation on the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance and is violating my right for complete and accurate reporting.
Consumer complaint received 2022-09-02
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)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and correct it in my file immediately : DEPTEDXXXXXXXX XXXX Balance Owed : {$6100.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00}
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

hello my name is XXXX. This is about my account I had with venmo. in XXXX, I last sent money to a friend of mine. After that venmo froze my account with my {$200.00} and requesting my ID. I told them at the time I didn't feel comfortable, and questioned why they froze my account. They kept saying the same thing to send my ID before unfreezing my account. Really impersonal. ive had issues with my ID and the internet and the past, and I felt unsure about sending my ID over to these random virtual agenrs, with their prerecorded messages requesting my ID. after about a week or so, I desperately need the rest of my money so I asked if I could close my account and just get my money out. They denied me. So finally I sent my ID as requested. I didn't hear from them for a few days, so I went on the live chat to see if I could send it over to them and they could possibl just accept my ID and unfreeze my funds. After talking online to their live chat they informed me that I need a different department for that and if I send my ID in chat they would forward it and make sure they receive my ID at the appropriate dept. I waited a few days and FINALLY I got a response. NOW they wanted me to verifymy debit cards by sending my transactions from 2 of my debit cards and one of a debit card that wasn't even mine??? First of a of all, they said my account would be unfroze as soon as I sent my ID. they repeatedly asked me for it, so when I finally sent it they didn't even acknowledge it and wanted me to send more personal data! I don't know what they are doing with my ID but after questing why I needed to send more data, they permenatley terminated my account and kept my {$200.00}! They said any decision they made was finally and not done lightly and they are going to keep my money for XXXX $ days in which they'll possibly reach out to me to return! And any email I reply after will be ignored and deleted! They STOLE my ID and stole my money! My account is not part of any money laundering or fraud that was my money! I can't reach anyone at Venmo and I'm really upset! Please help me venmo is stealing my money!!! if you can help i would most appreciate I got scammed! Thank you My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA Venmo acct XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Spoke to customer service on a account that is not mine, explained to them that I had identify theft in the past, and this account does not belong to me, continues to ask me questions and talk around the problem. I told them they purchase debt without verifying anything, account does not belong to me, please remove it from all my credit reports, XXXX, XXXX, XXXX.
Consumer complaint received 2022-10-12
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : $ XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (IL)

My name is XXXX XXXX. I had a self lender account through XXXX   XXXX that I closed in XXXX of 2019. The account is showing delinquent on XXXX and closed on XXXX and XXXX which it should be because I closed it. My problem is the delinquency is inaccurate information. I should not be showing delinquent because I closed the account before the payment was due. I sent certified documents to XXXX and there has still been no action taken to remove the incorrect information. I need this to be updated as I am trying to maintain my credit. Thank you
Consumer complaint received 2022-09-02
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. (AZ)

{$170.00} charge from XXXX is for XXXX testing for XX/XX/2021 for XXXX XXXX XXXX people. These charges for XXXX XXXXXXXX results are not to be billed to XXXX XXXX during this time period, a s we had no health insurance. If these are not XXXX billings from XXXX, then they are incorrect billings being charged to XXXX XXXX XXXX Why? Because XXXX shows no Collection Accounts for XXXX XXXX for the last XXXX XXXX Kindly remove this collection activity from XXXX for XX/XX/2021 for XXXX XXXX.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (ND)

I was in jail from XXXX til XXXX after I got I found out my ex roommate had gotten ahold of my card and stolen {$2700.00} from my NetSpend account. Also she stole from my XXXX account too. Now I talked to NetSpend and the corporate office they kept denying my dispute then they said they needed something stating I was in jail. Well I was in the XXXX jail on the reservation and right now they have limited staff and are even letting people out of jail because of this new coronavirus. Well I called the jail and explained and they told me that my probation officer should be able to get something saying how long I was in jail for as they are understaffed right now so I called my probation officer and she said she can get a generic jail release form for me and send it to XXXX and NetSpend. Well NetSpend wouldn't take it because it as they put it official well my probation officer left her number if they had questions but they still denied me and XXXX well they kept denying me til I got a email the other day stating my account with them is frozen and then a couple hours later a email stating it's suspended. And with XXXX they denied me because it said it had been over 180 days and I had two statement cycles to have had reviewed the transactions well I couldn't I was in jail. I filed complaints with these companies on XX/XX/XXXX. Now i don't know what to do NetSpend and XXXX denied my claim I'm a single mother i went to jail for my 6th driving under suspension and I have no money. My ex roommate wanted me out. My 5 yr old daughter got a chocolate bar for XXXX since I couldn't afford anything else. It's not right or fair that someone can rob a person and then have their so called banks deny any claims filed. XXXX told me to get a lawyer if I wanted well I can't afford one. Both XXXX and NetSpend customer service gave me trouble hanging up on me and bring rude. I need help with getting my money back please. Also NetSpend said because they wasn't changed and all the transactions were in the same town and stores I've used my card at before that's why it was denied well my ex roommate knew my pin I had in the past sent her to store or whatever to get me somethings so that's how she knew my pin and of course it's in the same town we lived together and there isn't a whole lot of stores there so yea kinda messed up but I'm hoping you guys can help me out please and thank you
Consumer complaint received 2022-01-04
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. (FL)

My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2019, PayPal made my remaining Account balance of {$1500.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email to : XXXX which is my Paypal account. Thank you.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AL)

Around early XXXX I contacted the Experian fraud department to update some inaccuracies on my credit report. There seems to have been a mix-up on the agent 's end as he deleted my current residence in error as there were multiple addresses similar to my current address. This was made in error my current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX AL XXXX Since then, I have not been able to access my current credit reports and scores. I have provided the documents that were requested by Experian to verify my identity. I am in the process of purchasing a home, this is affecting my purchasing. 

There are also fraudulent items that do not belong to me, and I have included my FTC in my previous complaint.