davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
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)

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-08-27
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 (NJ)

I enjoy online gambling and have found it difficult in the past finding a bank account or service which allows me to easily deposit and withdraw from my casino accounts. I noticed PayPal advertise that they're service can be used with a lot of casino websites, so I created my account in XXXX last year. Since then I have been using my account to deposit and withdraw to online casinos ( all of which are legal and registered with the New Jersey Division of Gaming Enforcement ). Occasionally, I use the account to send/receive money from other friends with PayPal accounts. I use the account regularly ( almost daily ) and my usage has remained the same for at least 3 or 4 months at least with no issues. 

Two days ago XXXX XX/XX/XXXX ) I received an email stating my account had been limited. I was no longer able to send or withdraw my money until I responded to their requests for information. This was fine, and I logged in immediately to provide a copy of my bank statement and an explanation of the activity on my account as requested. The next day ( XX/XX/XXXX ) I receive an email stating I can no longer use PayPal and that they have locked my funds due to suspicious activity and potential risk! No further explanation. They also informed me that they have frozen my funds for 180 days and I will not be able to access them. The balance of my account is currently {$34000.00} which is obviously a significant amount of money. I can not lose access to my money for no reason what so ever. 180 days is an incredibly long time! 

As far as I'm aware, I have not broken any of their XXXX XXXX XXXXs or usage rules. I have only made transactions to online services registered with PayPal and sent money to other PayPal  accounts. I need your help to get my money back.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) I 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DEPTEDXXXX Account number:XXXX**** DEPTEDXXXX  Acoount number:XXXX**** DEPTEDXXXX Account number:XXXX****
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later thaXXXX XXXX  days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute an error on my credit report related to my account with XXXX XXXX XXXX XXXX and XXXX - XXXX XXXX. Due to a technical error, my account was inaccurately reported as late, which is causing a negative impact on my credit score. However, I have been in contact with the banks, and they have acknowledged the error and agreed to update the account status to open and never late. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLOBAL PAYMENTS DIRECT INC. (MI)

This company has been calling me everyday telling me I owe them {$50.00} for XXXXn XXXX. I have never used this company and the only time I have played XXXX XXXX is by buying tickets at local convenient stores, so how do I owe this company money?? I want them to stop with the harassing phone calls and remove whatever debt they claim I have as this is not my debt. I have never played online using the XXXX XXXXXXXX online system, the only thing I have done online with XXXX XXXXXXXX is use the " Play Again '' option on losing scratch offs which was years ago, I don't even think they do that anymore. I have never transferred money to this site nor purchased anything from this site, I have never used this company, and I do not owe anyone any money. I have even checked the site to see if any balance shows and it says {$0.00} so where is the {$50.00} coming from that they claim I owe them. I am not giving this company any money, I want the calls to cease, and I want the debt removed from my name as it is not mine.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

My complaint is how an insurance claim is not being handled in a professional or perhaps ethical way. I filed a claim in XXXX for a broken pipe, the insurance company sent a 3rd party adjuster and a check made out to me and Freedom Mortgage for {$10000.00} ( copy of check attached ) the ins comp said to mail the check to Freedom who will endorse the check and return to me. I followed up with Freedom who said they would not release the check to me, until I sent them several documents. 1 ) Adjuster Claim, 2 ) Contractor signed estimate signed by me and contractor 3 ) signed contractor paid receipt for Monies already paid to the tune of {$6000.00}, 4 ) Signed Lien or mechanics lien 5 ) XXXX  for contractor 6 ) letter requesting reimbursement of funds 7 ) copy of contractors License. After several days of follow-up they claimed they didn't receive the documents I sent them all again in one shot. I have attached all the documents listed above to this complaint so you can review also. They also said they would only send me 25 % of the {$10000.00}. The insurance company were insisting I do work on the house before anymore damage was done, I couldn't wait for Freedom to send the check, so I used my mortgage money payment to pay the contractor to do some of the initial clean up and preparation, and as a deposit. ( attached receipt ) I told them, if they are concerned, because now I am in default, they can keep {$5300.00} and send me the difference, that would cover 2 months mortgage payments, they refused ( all documented attached ) I need help getting my money, I am falling behind on my mortgage payments and I think they are doing this on purpose to force me into foreclosure. Please help.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NY)

My TD credit card was lost in XX/XX/2021. I locked the card immediately when I realized it. I always pay credit card balance on time. But after I locked my card, my credit card was still be charged monthly by XXXX XXXX. I called the fraud line of TD, every call is holding for over one hour. And problem is never solved. Finally I have to close the account. But the credit card keeps charging the monthly payments plus the Penalties, fees. And put me to collection, damage my credit. 

I also locked the second card for the account. 

Im not supposed to receive these charges
Consumer complaint received 2021-12-16
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. (GA)

There are credit cards that was opened in my name I want to have removed my credit reports, this is fraud and I want them removed immediately from my reports I want XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX removed I did not authorize anyone to open these credit cards in my name and I want these removed asap, I dont appreciate this inconvenience, Im filing this to have these removed thank you.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CO)

Discover froze my bank accounts and is holding my money ( and many other customers ' money ), based on " unusual activity '', and I can not connect with anyone at Discover to unfreeze my accounts ( it's been over 22 days as of this complaint ). 

I opened new bank accounts on XX/XX/XXXX, and deposited money ( over $ XXXX ) in them on XX/XX/XXXX. I was notified by Discover on XX/XX/XXXX ( via email and via a voicemail ) that my accounts had been frozen due to " unusual activity '', and that I needed to call XXXX to speak with a bank security specialist. Note that I have absolutely no online access to my accounts, and Discover is forcing me to call them to unfreeze my accounts. No one who I have spoken with can tell me why my accounts are frozen. 

I called Discover back on XX/XX/XXXX and subsequently every day since to speak with one of their bank security team members. The hold times are usually 2-3+ hours. Half the time, their phone system provides a message about high call volume and then just disconnects. Furthermore, I was able to get through two times to the bank security team, only to be told that their hours are XXXX XXXX, and that they were not available to help me, and that I would need to call back during those hours ; Discover advertises 24/7 customer support. 

I've placed over 50 calls in the past 22 days. I have spoken to a number of Discover customer service professionals, but they can not unfreeze my account and tell me that I must speak with the bank security team. They will only transfer me and put me in the 2-3+ hour holding queue. Furthermore, they do not have a single human at this point who can tell me what my account balances are I've tried to get help via XXXX, XXXX and XXXX, but Discover either continues to post the same reply about calling the number listed above, or in some cases doesn't respond at all. See threads on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-19
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: AFNI INC. (MI)

Inaccurate reporting done by AFNI. Submitted collection to my credit report for an account that was not mine and that I did not maintain. AFNI is reporting creditor for collection of XXXX. XX/XX/XXXX was reporting date. I contacted company and indicated debt was not mine and to remove. No action taken.
Consumer complaint received 2021-05-11
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-07-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: West Coast Servicing, Inc. (NY)

There was no Good faith efforts to establish live contact with a borrower generally consist of reasonable steps, under the circumstances, to reach a borrower. 
There were numerous Servicers/Debt Collectors, starting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX West Coast Servicing XXXX and without any written notice, now XXXX XXXX XXXX. 
The truth is the 6-year statue to file a foreclosure in New York State XXXX had legally expired. Only the Judge in this case granted the Plaintiff 3-extensions altogether to file this expired foreclosure. 

The extraordinary financial costs added additional filing fees 3-times, additional lawyer fees, additional interest fees, and additional lates charges, which all of these additional foreclosure costs, were unfairly accumulated at the expense of me, the homeowner. 
The Judge without my knowledge, at the request of Servicers, the Judge appointed/installed a Guardian Litam, who accepted Service, and then a foreclosure judgement was entered by default. The Guardian Ad Litam was inappropriate, and unauthorized, and to the complete benefit of the Plaintiff, which tilted everything in the favor of the Debt Collector/Attorney 's. 

The results of the Judge inserting the Law Guardian was epic, inappropriate with negative consequences to the homeowner ( s ) and it was legally improper! I am not impaired, incapacitated, or in the military. This appointment was improper
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (NJ)

I have been disputing these negative items for months now I have been contacting all bureaus asking for answers about why unverifiable items is on my report I am trying buy a house and this has been hurting me please look at my items and removing it
Consumer complaint received 2021-05-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Wilber and Associates, P.C. (VT)

On XX/XX/2021 I received a phone call from Wilber and Associates claiming I was being sued the value of over {$4200.00} for an accident that happened some months earlier I seen the pictures I sent there's no way the damage cost {$4000.00} to repair this insurance agency also never made any attempt to contact me or the owner of the vehicle regarding this claim before they sold it now this agency is threatening to suspend my license and the license of the person who insured the vehicle if I don't pay for what I know this is a violations of FDCPA As its course of manipulative and hostile.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I have a couple hard inquiries that I did not authorize, i did not give permission for my credit to be ran, and i would like them to be deleted immediately off my credit report. I have filed a report with the ftc and would also like for those inquiries to be deleted off of my credit report.
Consumer complaint received 2021-12-15
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. (NJ)

To whom it may concern, In XX/XX/XXXX, I was notified that there was an account on my credit report from a loan taken out back in XX/XX/XXXX. When I reached out to the credit collections, they informed me the loan was with XXXX XXXX XXXX XXXX and that I could reach out to them as they was asking for repayment. I was able to get in touch with XXXX XXXX XXXX XXXX and they stated the loan was mine and I would have to work with the agency. I reached out to the agency and was told I could file a police report and submit to Equifax. When I went to the police station back in XXXX, I was told that I needed the account number but XXXX XXXX would not provide this information to me. XXXX XXXX kept referring me back to the collection agency. I ended up writing a letter to all XXXX credit bureaus regarding the situation and XXXX XXXX updated my credit report, taking the collection debt off. Equifax, however did not and stated that this account was mine. We are now in XX/XX/XXXX and this is still on my account. My credit score is great and I am looking to resolve this matter and get this account removed. I have attached my current credit reports as of XX/XX/XXXX to show the negative account on my credit and highlight my XXXX and XXXX account as it has been removed. To prevent this issue from happening again, I have locked my account so now all open accounts under my name have to be verified.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX and XXXX  says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (MD)

This submittal is associated with complaint # XXXX in that this is the bank my check was written against. I had made a mistake in writing a check ( # XXXX ) to the assisted care facility for my mother 's care. The figure amount was {$2000.00}, however, the written amount was " XXXX ''. Wells Fargo Bank credited my account for the abovementioned amount. When they received the actual check the discrepancy between the figure amount and the written amount should have raised a " Red Flag '' as to what is the correct amount to credit my account. Previous checks have been written against my account for the figure amount ( {$2000.00}, XXXX thru XXXX ). When I questioned the bank 's Branch Representative of why this check was not denied. I was informed that they go by the written amount and not the figure. This I believe to be improper business practice because it might render a customer account in an overdraft situation.
Consumer complaint received 2022-07-06
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: AMERISAVE MORTGAGE CORPORATION (TX)

I received a letter in the mail from AmeriSave Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX informing me of a credit report pull. Its states that I applied for a mortgage loan which I did not. 
Date ordered is XX/XX/2022 I attempted to speak to a representative at this location ( XXXX ) however nobody answered the phone.
Consumer complaint received 2021-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Fidelity Capital Holdings , IncXXXX dba Fidelity Creditor Service is a debt collector as defined by Cal. Civ. Code 1788.2 ( c ) and that the alleged debt is a consumer debt as defined by Cal. Civ. Code1788 ( f ). They are therefore subject to the provisions under the Rosenthal Fair DebtCollection Practices Act ( RFDCPA ). Their collection letter ( s ) are in violation of Cal. Civ. Code 1812.700 and 1812.701 which require specific language to be included in such collection letters, with specific and conspicuous formatting. The letter ( s ) received contain no such language or formatting. As stated in Cal. Civ. Code 1812.702, any violation of these provisions shall be considered a violation of the RFDCPA. 

Fidelity Capital Holdings , Inc. dba Fidelity Creditor Service, through its agent XXXX XXXX XXXX, laughed off our complaint, called it entertaining, and hung up the phone after I called to resolve the matter.