davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MN)

I open a PayPal account about a year ago in late XXXX like XXXX. I never used it then XX/XX/XXXX I had a friend send me some money. When I logged in to my PayPal account that evening it showed that my money was there but it said that my friend had sent the money like he was paying for a service or a product so my money would be held from him for 21 days I called PayPal my friend Got sent an email via PayPal to click on something in his email then my funds were no longer pending in my PayPal account they were in there and it said it was available for me to use. So I connected my debit card to my account. Tried to transfer my money to it so I could withdraw some of it and it wouldnt let me. I was on the phone for three hours that night before PayPal closed and they just didnt answer anymore and they had me on hold and they kept telling me I had they had to verify who I was so they verified me through my cell phone they verified me through email. And still that evening to no avail I could not get any money. The next day I was on the phone with them seven different times that wouldve been XX/XX/XXXX to the told all that it took up my whole day about seven hours Ill because every time I went to transfer my money to my debit card or to my bank account so I could get my money out of PayPal it wouldnt work it would say they needed to verify who I was so then I have to sit on the phone at one point I sent on the phone for an hour waiting when it came down to it they said that I could transfer the money to my card thats what I had to do so they had to transfer a portion of it to my card and then they told me it would take 72 hours before would be released to my card because they reserve the right to hold my money for whatever reason they see fit then again they said they had to verify who I was so I answered a bunch of questions that I guess only I would know and I did that and it still didnt clear it up they are still holding my money Ive had no money all weekend I cant even transfer money to a friends PayPal like they said I would be able to do on XX/XX/XXXX.
Consumer complaint received 2022-10-13
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (PA)

to File a complaint against TD Bank ( online ) Opened an online checking account, ( account # XXXX ) ; recieved checks debit card etc. 
while setting up an online transfer from an account at XXXX XXXX Bank ( jointly owned with spouse ) to TD bank, the process did not work and TD locked my account. ( I did verify the XXXX XXXX XXXX thr ' instant verification as well as thr ' XXXX deposit amounts. ) I called TD bank several times and went through their security questions, passing each time, but was not able to get them unlock the account. They insist that I visit a local TD bank and verify my ID and XXXX XXXX XXXX details. 
It is not convenient for me to visit TD bank and the reason to open an online account is " NOT HAVING TO GO TO BANK BRANCH '' TD bank refuses to come up with an alternative to unlock the account. This is not acceptable and they are causing lot of inconvenience to me. 

Appreciate your help.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

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 : Attorney General - Child Support have 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 instruction.

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 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America froze my account for " suspicious activity '' I have been calling them for the past two days and have not received any resolution or reason as to the freeze. I get told it was flagged for suspicious activity and the account will be locked with all the funds in it until investigation is complete. They said 48 hours, but after 48 hours i called again and they asked for another 48 hours for a possible update. Nothing for sure. 

This is a business account, its for deposits only. After the deposits I move the funds to cover payroll and expenses. I would understand if there was a bad check that they needed to hold, they froze the entire account with funds that were in there prior to the freeze.
Consumer complaint received 2022-10-24
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. (OH)

I have disputed these 6 duplicated loans for over several months. I know the all loans are closed zero balance thats not the issue I only took out 6 loans period not 12 the loans the 6 loans for XXXX and 6 for XXXX making it 12 loans on all 3 credit bureaus when originally I only had 6 loans again the issue is duplicate loans please please remove the duplicates you say its accurate its not I only took 6 loans and that what should be on my report s not duplicate loans look at the amounts and the dates please
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

Hello, Today on XX/XX/XXXX my credit score dropped for a balance increase with COMENITYBANK/VICTORIASEC. 
I have an ongoing dispute with Comenitybank/victoriasec for an amount I was wrongfully charged. The balance has been increasing for missed payments while the dispute is in progress. I was assured that I would not be reported to credit agencies and to not make any payments during the dispute process as the balance should be zeroed out in the end. I am unsure as to how this has hit my credit as the matter has not been resolved. Thank you.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

my mom and I bought some funitures at XXXX XXXX. Theres staff told us that we have to sign up with their credit cards partner XXXX. 2 of their staffs asked me to give each of them more than {$65.00} for their sale services and another XXXX in cash for the funitures. I gave them all the cash i brought with me more than XXXX cash. They told me that money would later be subtracted from the credit account I signed up with them. they wont let me use my XXXX XXXX XXXX credit card. There were too many items I wasnt able to calculate the right price. Later I found out that cash wasnt on my receipt and wasnt subtracted from my credit card. I paid XXXX XXXX a total of more than {$6000.00} for their furniture. They delivered an old XXXX bed to me and charge me {$100.00} for redelivery. I contacted them many times. They said theyre unable to locate the funds. Sometimes I called in to ask questions, some people laughed at me, Some hung up on me, some were polite enough to say theres nothing they can do about it. 
I didnt remember which day I bought the items. I paid everything down to {$600.00}. But later I had to pay {$2000.00} within a couple of months. Thats more than {$1400.00} interest. 
I wish I was smarter so they wouldnt cheat on my XXXX mother and XXXX XXXX man like me. im a XXXX and a XXXX. i tried hard to earn that money with all my XXXXl capabilities. I have to do peoples feet and got XXXX by the XXXX and their XXXX. They have better jobs and friends than me. I just have my family. I appreciate any advice anyone can give. please tell me youre sympathetic.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (CA)

As my family was looking to buy a house in XXXX california - due to job changes, and our house already leased out coming up in XXXX, my credit score dropped by XXXX points. I assumed it was from a newly opened account to take care of emergency medical cost. I did not look further into it. I paid that bill off, and no change happened - so I looked closer, and there was one negative item on my report. I have spotless credit and suddenly this unknown company which I had never heard of has a XXXX dollar collection on my XXXX report. I immediately called them and told them I was a victim of severe identity theft. I sent them all of the documents ( police reports FTC affadavit, notarized, letter ). They assured me after a few days passed I neednt worry and it would be removed. It wasnt. I disuputed with the credit agency XXXX, and it was CONFIRMED as valid by the company after promising to remove it. I could not send through another dispute online so XXXX wanted me to send a letter which would make us basically homeless as renters would be taking over our house. I called again and was assured that the compliance dept would handle it They didnt. It was reported again on XX/XX/XXXX with additional interest. Called again was told to email compliance and they would send a letter of deletion. THey did not. I sent all of the documents requested to verify my identity and again the ID Theft which they had received many times throughout the years as it happened twice ( same style of fraud I believe it to be same person ). So we are close to XXXX the item remains on my credit and this company has done nothing they promise to do. My credit I have worked so hard on was devastated by this company, and they keep lying to me. This is having a grave effect on my new job, and health due to stress, as we need to prepare the house for renters and should have selected a home in XXXX XXXX by now, And Wakefield and Associates shows zero concern They also argue that they are not reporting it when I am staring right at the entry on XXXX. My score was XXXX now its like XXXX. I am in dire need of help. Please let this company know about the Fair Credit Reporting Act.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANKMOBILE TECHNOLOGIES, INC (DC)

Customers Bank, Member FDIC, the bank behind the XXXX XXXX product placed undue hardship on heirs to bank account holders, effectively precluding access to much needed funds as the time of death of the account holder. A well known standard practice among banking institutions in the United States is to permit account holders to designate a beneficiary of the account upon the passing of the account holder. Every human being dies. The death rate is 100 %. Yet Customers Bank allows no appointment of a beneficiary, effectively allowing the bank to keep funds for its own use during the potentially extensive probate process. When a person dies, there will be fees necessary to handle the final arrangements for the body as well as for immediate needs, such as the care of dependents. It is the stated policy " We would request copies of the death certificate, a copy of the Notice of Appointment of Executor/Executrix or the appropriate documents if there is no estate, and a copy of their unexpired government-issued ID to assist us in this endeavor. '' These create unnecessary delays that would not occur if Customers Bank permitted the designation of a beneficiary in advance of the death of the account holder. Customers Bank has a self-dealing incentive to hamper access to these funds given that upon the death of the account holder, the earned interest rate will drop from 4 % to 2.5 % because the account holder can not continue to perform 10 debit-card transactions per month necessary to earn the 4 % interest rate. This windfall to the bank, in the form of higher spread during the months necessary to obtain court appointment of an executor, is unconscionable misconduct by Customers Bank. 

When a beneficiary is appointed for a bank account - at any bank other than Customers Bank - the funds move immediately to the beneficiary who can use those funds to meet the needs of the estate or any dependents. When the funds are withheld, as Customers Bank intends, these funds benefit Customers Bank and not the heirs of the decedent.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

It was back in XX/XX/2022 I was charged {$75.00} and {$35.00} in bank fees they wouldn't wave it so I paid it than in XXXX of 2022 I was {$35.00} overdrawn and they just closed my account.
Consumer complaint received 2023-05-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$4000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$3600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-03
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: SYNCHRONY FINANCIAL (NJ)

they went in my car and stole my purse and whoever find it is been trying to open couples account under my name, I have call this place to explain to them what happen and to give them the police report number of my stolen purse and they told me they was gon na work on removing that hard inquiry off my credit and is been more than 8 months and they don't removed knowing I was going thru identity theft. syncb/ sams. this been going on since XX/XX/2022 i need them to remove this hard inquiry from my credit report because i call them about this, and i explain everything to them, I shouldn't have this on my credit when i reported identity theft
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I review my credit report and notice these fraudulent accounts and I was victim of audentiy deft. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

In XXXX while I was in XXXX  I had my father put a freeze on my account after learning that someone had attempted to open a credit account in my name. Since then I am not able to manage freezes on my account. I am now out of XXXX  and we are not able to log in to the Experian website to temporarily lift freezes. Your website 's online login and password recovery system does not recognize my SSN as being valid, so I can't recover my password. When I call Experian, their automated phone menu will not allow me to talk to a live person since it don't recognize my SSN as valid. 

THREE times now I have requested that Experian provide me some way of recovering my login, and so far the only thing they've done is given temporary lifts on the freeze. On about XXXX XXXX XXXX  as requested in their last response to me ( Report XXXX ) I replied with a letter including copies of my drivers license, pay stub and recent bank statement. I have not received a reply and it appears from the response I got from XXXX after an attempt to open an account with them today that my Experian account is still locked. 

I am attaching a copy of the last letter I sent Experian. 

I need Experian to contact me via the contact info listed below and supply me with a working method to reset my password. I am no longer living at my old XXXX XXXX XXXX address, so it is important that mail no longer be sent there..
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 — Account status incorrect
Company: EQUIFAX, INC. (OH)

I spoke with a representative named XXXX with XXXX XXXX in regards to making a correction on my credit report to remove the following delinquencies : XXXX XXXXXXXX Account # XXXX 30+ days past due for XX/XX/2023, XX/XX/2023 and 30+ days past due. 

Representative promised to remove said delinquencies. Attached is also a letter received from XXXX XXXXXXXX dated XX/XX/2023, promising to remove said delinquencies. No action to remove the items has been taken or no corrections have been reflected on my report.
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. (MN)

The following XXXX XXXX Credit Card Account and Card currently listed on my XXXX and Equifax credit report is lost/stolen : XXXX. My XXXX XXXX XXXX Credit Card is lost/stolen. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX