davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK (FL)

company has gathered my valuable personal data and provided pre-qualification but will not respond to e-mails or calls to honor request for extension of credit or provide pre-approval. sent several e-mails requesting aid and have not received any accommodation from lender nor any communication. This is causing delays and missed opportunities as I have a property I would like to have qualified or pre-approved to provide realtor. presently MLS # : XXXX and MLS # : XXXX.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I've reached out to XXXX XXXX XXXX several times to resolve this issue. My insurance company sent them a check for total {$10000.00} for total loss of the vehicle on XX/XX/12, the checked cleared on XX/XX/XXXX. I've attached a copy of the check for your review. XXXX never applied the payment to my account. They still have not located the check, although, I've sent them a physical copy of the checking containing the date, signature, and addressee of the check. This money has never been applied, after following the same steps each week of faxing them all the required documentation of the payment. I pray that you all can help me, I worked so hard to improve my life by make strides in my credit, only to have it diminished by the company. I've done everything they've requested, including emailing and faxing the checked they cashed. Pleasd help resolve this matter.
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: N26 Inc. (FL)

Hello, On XX/XX/2021 Ive tried using my N26 debit card and it got declined. 
After calling customer service i was advised that my account is in hold due to security department noticing some suspicious activity. I was advised that there is no promised date when Ill have access to my funds again. 
Then, later in the same day, XX/XX/2021 Ive received email stating that my account will be closed because Ive violated terms and conditions. Which one, wasnt specified and when Ive contacted bank again, regular customer service agent didnt have that information. 
I was also advised to provide external bank account information so funds can be transferred there which Ive provided right away. 
Week later i am still being given run around and bank customer service agents tell me that theyve sent a note to security department to expedite the process of releasing my funds. 
Id like to complain on this bank practices of not communicating to their customers properly and not stating which part of the agreement they believe Ive violated. Not i have almost {$3200.00} dollars they are holding and Im unable to pay my rent. Especially in this hard time! 
They also have constant delays responding to messages and not providing any updates.
Consumer complaint received 2021-06-19
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX,
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (SC)

XXXX XXXX I recieved a text grin American Express Serve that an unauthorized charged was trying to go thru, I stopped it ... went to use my card said I exceeded my limit at the grocery store. Have not been able to use my card since and can not get a live person on the phone at American Express Serve. It keeps saying they're " experiencing unusually long wait times '' I've called and called all times of day and night ... wait on hold XXXX min for the call to be dropped.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma (WI)

XXXX  informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. XXXX  still states that its been reported through XXXX XXXX or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your time.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

I hope all is well.. 

Thank you very much for removing the late fees I really do appreciate that but when I called to pay the balance off your supervisor/agent told me to leave the {$150.00} because that was the late fees that was not yet deducted yet so I left it and now I have been charged interest on it. Im not for sure what is going on because he told me it was the late fees and they will be coming off so I didnt have to pay that portion. Can you please fix this for me because obviously he didnt know what he was talking about because I would of paid that when I paid the balance off to avoid interest. Thank you very much for your time. Have a wonderful day and please be safe.
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST FINANCIAL BANCORP (OH)

On XX/XX/2021 my account had a positive balance and started to receive multiple overdrafts per day at {$37.00} each for no reason. My account was never negative and when i spoke to someone at the branch, the teller claimed that a merchant, XXXX XXXX who debited my account in the amount of {$82.00} with card ending in XXXX. It was a temporary hold on XX/XX/2021 in which the transaction expired and the charge had fallen off and officially posted on XX/XX/2021. Between XX/XX/2021 and XX/XX/2021 I was charged {$37.00} a day numerous times. My first attempt to have this issue corrected resulted in the branch stating their systems were down and there was nothing they could do. While the systems were down, i continued to receive overdrafts. On XX/XX/2021 the branch only agreed to refund {$200.00} back into my account. There should have never been any fees period. This is a demand letter that the remaining fees are refunded back to me. I had deposits going in the account and the account was always positive balance. I contacted XXXX XXXX and they advised that they dont have the authority to place any kind of internal holds on my account. The branch was trying to rip me off and keep my money, not allowing my deposits to cover transactions trying to clear.
Consumer complaint received 2020-04-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Recovery Services, LLC (UT)

Medical Recovery Services put a derogatory mark on my XXXX  credit report for a bill I had already paid with XXXX XXXX XXXX XXXX XXXX XXXX. 

Back in the winter of XXXX I was attending XXXX XXXX  and while at a XXXX XXXX was hit by another XXXX  and suffered a serious XXXX to my XXXX  and had treatment at XXXX XXXX XXXX. This was several years ago but If I remember correctly my payment wasn't made to XXXX XXXX XXXX  because the bill was sent to my parent 's address and I didn't get it. I think it had already been sent to collections before I found out and paid the bill. It looks like the collection started on XX/XX/XXXX, my parents had moved that summer so that may have affected me getting the bill. I'm also a XXXX  XXXX  and didn't even have a social security number at the time of the accident and didn't get one until the summer of XXXX. I don't remember if it was this medical bill or a different one but I remember one of the hospitals had my phone number wrong too and that may have affected things. The address, phone number and lack of social security number made it kind of difficult to track me down. 

In total, I paid {$1400.00} in medical bills for an accident that was caused by another XXXX. This was a financial hardship for me as a XXXX. Other than this remark, I have PERFECT credit.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

It has come to my attention that there are errors on my credit report. The accounts numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX ARE NOT MINE I am demanding the proof be provided that these accounts are in fact mine or removed. 
Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Consumer complaint received 2021-06-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (TX)

i have purchased a home mortgage loan in XX/XX/XXXX since then i have been recieving false mail and refiance a va loan..my house was sold to as brand new home but it was a brand new home..it was built in XXXX we went though XXXX XXXX and now i can not purchase anything since all this is affecting from moving forward i have been try to sell or do something to fix this problem. so many home insurance was taking out. my buisness has been stolen as well I opened a buisness in XXXX XXXX Texas XXXX XXXX it was turned into an LLC i have so many mortgages out with my social security and name. car loans medical insurance fruaud..ciams put in as car accidents
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XX/XX/2019 XXXX XXXX  I have sent letters letting XXXX XXXX and XXXX  about these unauthorized inquiries on my credit report. Also I have filed an affidavit.XXXX sent me something back with saying verified as accurate with no proof at all.I am keep requesting that they send me something back saying who did this to my credit report so I can figure out this fraud. XXXX XXXX doesn't send me anything as requested.
Consumer complaint received 2020-04-07
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. (HI)

RE : Requesting a Method of Verification Letter Dear Transunion I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a  transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-19
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 ()

PayPal closed my account for no reason and will not help me with getting it back up. The locked my account for 180 days and when they elapsed and ready to withdraw the funds as they notified me via email on XX/XX/2021. They then asked me further documentation which was followed by another 180 day hold of my funds. I don't believe holding my funds that long is justifiable by paypal yet I have done nothing wrong. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO S0.
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (IL)

On monday XXXX my friend sent me money PayPal refused to tranfer the money into my bank account until friday XXXX. Meanwhile at the same time PayPal refused and limited my ability to pay invoices and send people money with my credit card. I have been out of work for weeks and most of the people I know have been too. So through my credit card is the only means I have at this time. 

On sunday XXXX I attempted to make purchases on XXXX  with my credit card and was denied. I was told by XXXX website I must use paypal to make these purchases on XXXX. Even though the XXXX   listings accept credit card payments. I contacted XXXX  and tell my credit company has already approved me for XXXX in purchases on XXXX. The XXXX  representative tells me that PayPal handles the purchases on XXXX. 

PayPal is restricting me from using their services and PayPal is estricting me from using XXXX   services as well. What's next can PayPal restrict my bank service? This is ridiculous!!!!! Anyone with any decency would understand the people are going through hard times now and PayPal should not be allowed to do this. 

PayPal at first claimed they were concerned that this was fraud. Someone else may be using my account. So I sent them a copy of my driver 's license and my most recent credit card statement. After they saw who I was then the story changed to I must be up to something illegal. I believe this to be because I am XXXX. PayPal also violated my friends right to privacy by disclosing a piece of her account information.
Consumer complaint received 2021-06-19
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have filed a dispute in regards to the incorrect information being reported on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO S0.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TX)

In XX/XX/2018, after opening an auto loan with Regions, I received an offer via email for a {$300.00} checking account bonus and an additional {$100.00} savings account bonus. I have fulfilled all requirements for these bonuses but after repeated attempts to contact/resolve the issue, I still haven't received my bonus. 

The checking account offer required me to open a XXXX checking account by XX/XX/2018, then enroll in online statements and use my debit card to make 10 or more purchases within 30 days of opening. I opened my account on XX/XX/2018 and more than 10 debit purchases posted by XX/XX/2018. I have been receiving an $ XXXX monthly fee ever since, while I try to find a resolution. 

The savings account offer required me to open a XXXX savings account by XX/XX/2018 and set up monthly automated transfers of at least {$25.00} from my checking to savings. Two transfers must be completed by XX/XX/2018. My two monthly automated transfers were completed on XX/XX/2018.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.