davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-31
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH)

We transferred funds from the XXXX XXXX XXXX XXXX, XXXX, NH ( took out an IRA ) to move it over to the Peoples Bank, XXXX XXXX, XXXX. Accidentally the wrong box was checked off on the form and was not noticed by the bank staff member or by myself and instead of getting a roll-over IRA we got a CD time deposit instead ( this was done simply by a check mark in the wrong box that neither the staff member or I noticed-but has come back to haunt us ). We found out about the issue after the 60 day grace period for changes ended and now the bank refuses to try to change things and is not talking to us as well! So what we now have is a massive tax bill which we can not afford and the potential to lose our Affordable Health Care Insurance as this CD Time Deposit has become taxable income -- which it was never meant to be IT WAS MEANT TO BE A IRA ROLLOVER. We are NOW also facing massive tax bills for something that we have n't touched. Think of this in this manner : would anyone pull money out of a safe tax shelter, move it to a CD with no shelter at all, be taxed severely on it and yet not take even one cent of the money out? Not a single cent has been removed for this account, but we are now in debt for the taxes! Clearly, no sane person would do this ( no insane person would either ), i.e. moving from a tax shelter to none at all while still leaving every single cent within the account THEREBY PAYING TAXES JUST FOR THE XXXX OF IT! The ONLY reason you would transfer the funds ( as was accidentally done ) would be because you needed the money! We do n't, it was to be savings only but got changed into a nightmare by the staff member checking off the wrong box. No, I did not see the mistake, but huge tax bills and the possibility of losing our health care is an awful high price to pay for one tiny mistake. We have tried to reach out to the bank management but to no avail. Tried again today and they are not talking. We are very willing to work with them but they have drawn a hard line. What we need to have done is for the funds now locked up in the CD Time Deposit be rolled over into a IRA. Technically, we have been told to say that we want the current Code XXXX to be changed as a Code XXXX Rollover AND WE 'RE RUNNING OUT OF TIME AS TAXES ARE DUE NEXT WEEK!!!!!
Consumer complaint received 2022-04-10
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: VELO LAW OFFICE (MI)

Velo Law XXXX XXXX XXXX XXXX XXXX they reported to my credit report for {$1100.00} at one time they kept hitting my price up and down up and down then I got in contact with them about that while they're raising the price up and down on the collection which was very unfair to me with messing up my credit report and it was very rude here 's the account number that's on my credit report AN # XXXX case number XXXX t this company is violating my rights please help me thank you
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (IA)

Representative specifically suggested a co-signer for my loan application be my HUSBAND. I am not married. I have an EX husband and applied for credit SOLELY. My rights were violated in that it was suggested he be my co-signer. I was not approved for the loan because he wouldn't co-sign it.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been sending letters to Transunion since XX/XX/2022, with my driver 's license along with my utility bill verifying that its me sending them my letters. you will see with the attachments that i have sent. They are not investigating or verifying anything, and it has been going on past 60 days now. Here is a letter they sent me dated XX/XX/2022 stalling yet again and still reporting inaccuracies on my credit report. I have asked over 4 times already for them to show me how those inquires and charge off collections are verified, and validated, and they have been refusing to investigate and show me proof of anything. here are the letters i have been sending them.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (FL)

Hello I have been waiting weeks for my prepaid Way2Go card And I still havent received it I called and asked if I can get a tracking number and said thats not possible when they gave it to other people living in the same household now they are charging me with a replacement when I never received one and got paid, also I asked if XXXX  year old and older can sign up for the go program and they hung up on me Im receiving benefits but im still waiting for my Way2Go card.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, On XX/XX/XXXX I sent a letter to Transunion requesting that my personal information ( addresses, employers, phone numbers, social security number, and date of birth ) be updated or deleted on my consumer report. I provided them with what should be updated/deleted and exactly how the section should appear with the correct information provided. The new information was added but under the wrong category ( previous ) while old information remains listed under the wrong category as well ( current ). On XX/XX/XXXX I submitted another letter reiterating my request to have my information corrected. To this day, no action has been taken by Transunion and my information remains incorrect.
Consumer complaint received 2019-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

In XX/XX/2019, received a calls to lower my interest rate on credit cards. In which I still do, I talked to 3 individuals one representing to lower the credit card rate has for my information, next I k ow I received a call from XXXX  stating I was approved.I reck the credit card XX/XX/XXXX but I never called in to open the account. But on XX/XX/XXXX I received a statement with a transfer to a XXXX XXXX XXXX  for XXXX.I never in my life dealt with this company never.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are several hard inquiries that I DID not authorize. I've also contacted the companies and the bureaus. I sent letters and did online disputes with NO RESOLUTION. 

Here are the one inquiries that I did NOT authorize : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX XXXXXXXX ) XXXX Institution Information XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank Institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-10
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: ID Analytics, Inc. (MI)

XXXX XXXX Stream Sage, and XXXX out of XXXX are reporting information about me to the Credit bureaus XXXX XXXX XXXX, XXXX, and XXXX ) without my written consent. According to 15 USC 1681 as an consumer I have a right to privacy. For instance bankruptcies ; the court district does not verify a persons information to the Credit bureaus. Also all my personal information like my name, address, phone numbers, or emails are inaccurate on my report and they refuse to correct it. Any inquiry that is not associated with a line of credit attached to it was not me and submitted as fraud.
Consumer complaint received 2022-04-10
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. (TN)

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX Bankruptcy XXXX XXXX-dismissed, Account XXXX, 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 instructions.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (VA)

You need to adjust my credit score based on this fraudulent credit card XXXX XXXX. 

Based on the recommendation of XXXX XXXX, I applied and was approved for a credit card woth XXXX  XXXX. The first month I went over the limit XXXX XXXX deducted my credit score by XXXX points. 

However, my first payment was due on XX/XX/XXXX, XXXX XXXX XXXX called and harrassedy phone on XX/XX/2022. 

I said my payment is due on XX/XX/2022. Then I hung up the phone. That same day, I made a payment of {$79.00}. No one bothered to adjust my credit score for that. 

With that said, I'm going to pay that card off in XX/XX/2022, send a copy of this email and report this company to the Consumer Financial Protection Board, and my Congress members. I want to let them know how consumer 's are being treated in regards to credit. 

XXXX XXXX
Consumer complaint received 2022-09-28
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX, Account # XXXX XXXX & XXXX, Account # XXXX XXXX & XXXX XXXX, Account # 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
Consumer complaint received 2022-04-10
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. (TN)

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX Bankruptcy XXXX XXXX-dismissed, Account XXXX, 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 instructions.
Consumer complaint received 2022-04-10
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX acct # XXXX 120 days late payments, XXXX XXXX XXXX acct # XXXX, XXXX. XXXX  acct # XXXX XXXX rental acct # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-10
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX acct # XXXX 120 days late payments, XXXX XXXX XXXX acct # XXXX, XXXX. XXXX  acct # XXXX XXXX rental acct # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-14
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)

I have several collections on my credit bureau that I have disputed, the disputes have not been validated. The collections are the following XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$440.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$160.00} Original creditor : XXXX I never opened any of those accounts neither have I had any agreement with any of those companies. 
I ask for proof of validation in my XXXX  reports since I file for proof of validation via letters and nothing was sent back on the following dates XX/XX/XXXX XXXX  they said that they sent a letter in the letter that they sent nothing was verified. Immediately I filed an Ftc report on XXXX FTC Report Number XXXX XX/XX/XXXX XXXX XXXX XXXX debt they could not find me in the system. 
XXXX Debt complaint XXXX XXXX no one responded I will attached all of the documentation to here so that all can be seen.
Consumer complaint received 2021-05-14
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. (SC)

There is a medical collection on my report. Not only does it violate HIPPA it is also reporting incorrectly. I have medical insurance and my insurance has covered all of my medical expenses in the last 4 years. I have contacted the company as well as filed a dispute with the credit bureau
Consumer complaint received 2022-04-10
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. (NC)

i received a copy of my credit report and noticed there is information reporting that i have no relation to. My information has been exposed in a data breach and has been misused without my permission. I have contacted my attorney who plans to assist me in this matter shall these items not be removed from my credit report. Under fcra 605b, fcra 609e, this information must be permanently deleted from my credit report within 4 business days of receipt of this information. I will be following up with each agency to ensure that this matter is taking care of promptly. Please add a extended fraud alert to my credit profile and contact me before opening any accounts XXXX the following accounts are accounts that have no relation to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (IL)

Hello, I paid off my mortgage {$220000.00} on XXXX. 
KeyBank released all remaining escrow balance after 30 days.

However, KeyBank didn't release lien after paid off XXXX. 
They just keep delaying over 60 days. 

KeyBank 's contact info is as follows, Loan number : XXXX KeyBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Contact person : XXXX XXXX XXXX email : XXXX XXXX XXXX XXXX Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX
Consumer complaint received 2021-05-14
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 and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (OH)

The credit card issuer collected my deposit of XXXX at the opening of my account. 90 days go by and they tell me I only deposited XXXX and had a credit line of XXXX. But this is incorrect. I has a credit line of XXXX and made multiple payments each statement. They never accurately reported my payments and then closed account. I never received my deposit and they continued to report on my credit for 4 months after closing the account late payments on a supposedly closed account
Consumer complaint received 2019-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I sent XXXX to Coinbase Pro at the bank account their website ( XXXX XXXX XXXX ) advertises : Account Number : XXXX XXXX   : XXXX Bank Name : XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX Account Address : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX This was sent 10   days ago ( XXXX XX/XX/2019 ). My bank has confirmed that it arrived in Coinbases account. Coinbase have not answered my support ticket ( except for generic copy and pasted responses ) which was raised 5 days later. I called their customer support on Thursday ( XXXX XXXX ), Friday ( XXXX XXXX ) and Monday/ today ( XXXX XXXX ). They respond in rehearsed answers and do not tell me whats going on. This is the second payment that they have taken. Another one being made to their XXXX account on the same day that my bank confirmed was deposited into their account within an hour. 

I think they are holding customer funds to use for their own liquidity. Internet forums are full of similar stories with Coinbase. They have the worst reputation of all cryptocurrency exchanges. I should of read the forums before sending my money to Coinbase.
Consumer complaint received 2023-11-28
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 (KY)

I have held a PayPal account in good standing for nearly XXXX years. In XXXX I filed a fraudulent purchase report when a seller did not follow through with their end of the transaction. Now PayPal has closed my account permanently with no explanation. I use my PayPal account as a means to make payments safely and I have done nothing wrong to warrant my account being closed. PayPal will not reply to my requests for reasons as to why they closed it, nor can I reach a live person for customer support.
Consumer complaint received 2022-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION (TX)

I have received multiple notices in XXXX and XX/XX/2022 from my mortgage ( servicing ) company, FirstBank Mortgage regarding a potential lapse of homeowners insurance. FirstBank also manages the escrow account that pays my annual homeowners insurance premium. While there was NO lapse in coverage at ANY TIME, FirstBank was delinquent in remitting payment of the annual insurance premium and that nearly resulted in the cancellation of my policy due to their error. 

I contacted both my insurance company and FirstBank and ensured that the policy payment was finally received and no lapse had occurred. This required spending multiple hours on the phone with both parties. 

After this, I believed all was well until I started to receive subsequent harassing letters claiming that I may have had a potential lapse in coverage and that FirstBank would buy coverage on my behalf and then charge me {$210.00} for this coverage. This lapse had never happened and if it had, would have been the result of FirstBank 's own negligence. I called FirstBank to confirm that my account no longer showed any " issues '' and requested a letter confirming the same. I was assured over the phone that my account was without issue and a letter would be sent. However, no confirmation letter was ever received. 

After receiving another harassing letter dated XX/XX/XXXX, I provided documentation on XX/XX/XXXX of both my previous term and current term homeowner 's insurance policies to FirstBank 's specified online portal ( www.mycoverageinfo.com ). Once again, I thought this matter was put to rest as I had provided written documentation of my home owner 's insurance policies, showing no lapse in coverage. 

Dated on XX/XX/XXXX another harassing letter was sent stating that while I had submitted information, they were unable to verify my coverage for the last 3 weeks of my pervious policy term ( XX/XX/2022 - XX/XX/2022 ). They once again threatened to buy coverage for this alleged lapse in coverage and charge me for it. The final sentence of this latest letter reads " WE HOPE YOU'LL AGREE THAT OBTAINING YOUR OWN INSURANCE IS IN YOUR BEST INTEREST. ''
Consumer complaint received 2022-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

On XX/XX/XXXX I signed a contract and paid a deposit via ACH to XXXX XXXX XXXXXXXX XXXX XXXX to help with moving. On XX/XX/XXXX, I signed and completed a refund request, as I had a suspicion the company was fraudulent, but they had a 10 day money back cancellation policy. Every time I called the company to try to get these funds, they told me there was a backlog due to XXXX. It has been 9+ months and I have still not received a refund.