davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (MO)

On XX/XX/2019, I ordered, through PNC 's online banking service, a check payment of {$8000.00} from PNC bank to XXXX to settle a car accident. I typed in correctly the check address to the third-party settlement company and made the check payable to XXXX in the online payment system. Upon finishing the instruction, the online payment system highlighted only web payment option and had no paper check option. So I went through the web payment option. XXXX and their settlement company informed me the money was never received. 

To resolve the issue, I have : 1. Contacted XXXX, but XXXX asked me to instruct them where the money was sent to for them to locate the money. I was not given the information from PNC. 
2. Contacted PNC bank, but PNC informed me that their online system was outsourced to a third-party, XXXX  and referred me to them. But XXXX refused to interact with individual customers and would only work with institutions. 
4. Disputed the payment through PNC Bank. PNC Bank contacted XXXX, XXXX refused to engage, and PNC Bank closed the dispute. 
5. PNC confirmed the money was sent out through web payment to XXXX and asked if I was paying to XXXX from XXXX XXXX online payment system. I told PNC Bank that I am not a customer of XXXX, have no way to use their regular payment system, and have no idea where the {$8000.00} was sent. 

From interacting with branch managers of PNC, a plausible scenario of what actually happened may have been this : 1. I ordered a payment with the recipient name being XXXX 2. The outsourced payment system hardcoded payments to XXXX through their insurance payment interface 3. The money was sent to one of the generic XXXX insurance payment interface
Consumer complaint received 2017-08-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

this is for XXXX XXXX XXXX with XXXX XXXX XXXX from XXXX 2014. this account was charged to XXXX XXXX and should have never been charged to me. it is a closed account, and should not be on my credit report
Consumer complaint received 2022-04-15
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. (CA)

According to the Fair Credit reporting act ( XXXX XXXX XXXXXXXX ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (WY)

In accordance with the Fair Credit Reporting Act XXXXt Account : XXXX. XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX Card Services account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX Card XXXX account 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-20
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-05-14
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 ()

Dear Sir/Ma'am, Good day! 
This is with regards on my account in paypal. I have online transaction and they put on hold the payment. They decided to put permanently limited my account and can no longer use it anymore. 

I believe that it was a mistake to put on permanent limitations my account without disclosing the reason why. I am using my paypal account for my online business last XX/XX/2022 under my paypal account XXXX has stucked funds in it that i have to withdrawn asap for emergency purposes. I am hoping that i will get back my account and lifted the said limitations and also able to transact business with paypal without any limitations. 

Hope that this complaint will merit their kind approval for the said matter. 

For identity verification, I attached my valid ID and the screenshot of my paypal account transaction for your reference. 

Thank you and God bless. 

Regards, XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

This company is reporting incorrect information on my credit report and when I attempted to contact them USPS said that the address was undeliverable. The credit reporting agency told me to contact the furnisher and the address on my report is incorrect as well as the information they are reporting.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

My Citibank Thank you reward membership has been hacked three times since XX/XX/XXXX. First time, someone tried to use my reward points for gift cards and i noticed odd activity on my account when I got an email stating I changed my mailing and email address. I was able to dispute the points and was told it would never happen again. 2nd time was XX/XX/XXXX, I got an email about a hotel booking I did not do. I was told the charge was reversed and that for future use of my points, I have to call in through their security system. Then in XX/XX/XXXX, someone transferred XXXX points to an airline. I've changed my password every time this happened and I was guaranteed that this would not happen again.
Consumer complaint received 2022-05-14
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX since XX/XX/2021. My paypal account : XXXX. has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

This is my with American express credit card. Last year in the month of XXXX to XXXX american express said they are giving {$150.00} cash back up on upgrading card. As I having travelling plans, I have cancelled the card. From last year none of them from american express contact me on this. Out of no where now they are asking me to pay {$150.00} -for STATEMENT CREDIT RESEVERAL. All the these transactions has happened with knowledge of american express customer service, they have cancelled it. but now they are asking to pay money. I have contacted American express Customer service I do not see any positive reply from them. In current Billing statement they have included {$150.00}. 

Request you to order them to not to collect {$150.00} from me.
Consumer complaint received 2022-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

Earlier this year I requested debt validation from both the collection agency and the XXXX credit bureaus. I never received anything proving this is mine. I have never opened or done business with XXXX Id like all proof, including any and all documentation proving this account is mine with signatures and identification used to do business with them.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I want to restore my paypal account because i am new in online business since XXXX, my bussiness is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX my paypal account is XXXX, the paypal account is the only way to recived payment from the other country so please help me, Thank you for your support
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (GA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Accounts 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 Accounts : XXXX XXXX {$850.00} ( XXXX XXXXXXXX ) XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Braviant Holdings, LLC (OH)

I have made 4 monthly payment to XXXX XXXX XXXX since XX/XX/2019. For a balance on a defaulted pay day loan currently not legal in Ohio. The debt was never owned by this company. I contacted the originator of the debt Balane credit and they state they have never heard of this company and my debt was sold to XXXX XXXX XXXX and they havent received any payments from XXXX. XXXX never verified the debt and is not a legitimate company stole my money and threatened to sue to and claiming to be compliance officers for the state!!! I want my money back and this company needs to be held accountable for their scams and harassment at home and work place
Consumer complaint received 2022-05-18
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. (GA)

XXXX XXXX XXXX XXXX has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The XXXX  account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my XXXX account. They don't have physical locations in XXXX so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.
Consumer complaint received 2019-02-10
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: Experian Information Solutions Inc. (NV)

I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the XXXX center. I was in the XXXX center at XXXX in XXXX XXXX for my XXXX  XXXX from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then XXXX added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.
Consumer complaint received 2015-04-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (FL)

I fell behind on my car payments due to medical reasons. I contacted Ally to setup payment arrangements and spoke to XXXX on Wednesday XXXX/XXXX/XX/XX/2015 with the XXXX payment to be made on Friday XXXX/XXXX/XX/XX/2015 XXXX assured me as long as I made the payments my car would not be repo 'd. On Friday XXXX/XXXXXX/XX/2015 my car was gone. I call and spoke with XXXX and several other who would not help me or give me any information. I contacted the redemption center on Monday XXXX/XXXXXX/XX/2015 and spoke to XXXX who quoted me {$2000.00} to redeem vehicle by XXXX XXXX, XX/XX/2015. I contact the redemption center on XXXX/XXXX/XX/XX/XXXX to get the XXXX information to make the payment necessary and I was told I needed to pay over {$7000.00}. They stated this was to close my loan out and that was the only way I will get my vehicle back. I spoke to several people that would not help me, they would not give me a copy of my contract or any payment history.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  has placed a judgement against me for back rent on a apartment I rented from them. I was watching my brothers licensed emotional support dog when I had false accusations that she was a Pit bull and I was told i can not have the breed or a dog in the apartment unless I paid a shake down fee of {$1000.00}, I showed proof that the dog was a XXXX XXXX XXXX and that I was watching her temporarily due to my brother being in the hospital with a XXXX XXXX ( he passed ) I was threatened to get out unless I paid this {$1000.00} and I have all the emails tell them where I was harassed, threatened to just leave. All because I was watching a dog for a couple of weeks. I was scared and felt unsafe. After the last threatening email I left. I never received OR SIGNED anything that showed this. I left the place spotless as well. This company is a fraud and have done this to many many people. Unless they can produce a signed dated notarized affidavit from me that I was made aware of what they are saying then by law this MUST be removed from my credit. I have all the emails saved tell them and I have an attorney. Thank you
Consumer complaint received 2022-05-14
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 ()

I believe that it was a mistake to permanently limit my paypal account. I am using my paypal for my freelancing job since XXXX XXXX, 2021. 
My paypal account XXXX has a stucked funds worth more than XXXX that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds.

Thank you and Godbless.

For identity verification, I attached my valid ID. Please see attachment.
Consumer complaint received 2019-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My home caught fire XX/XX/17 and the insurance company paid for the fire the insurance put the check in my name and the mortgage company name, I am 85 % done with repairs SPS is holding on to the reminder of the funds and I cant get done with my property until they release the reminder of the funds, they are tying to keep the balance. but with out the reminder I cant finish the property repairs. they are even trying to get the inspector to lie and say things that are not true they are stealing my funds, I have filed before and your agency is not helpful, you need to make them show proof of them no releaseing the balance of my funds in the matter. I need for the management of your company to follow through on this matter. because they are stealing my insurance money so I cant finish my property.
Consumer complaint received 2022-05-14
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 ()

I believe that it was a mistake to close my PayPal account. I am using my PayPal account to receive remittances from my online freelancing business since XXXX XX/XX/2022. XXXX PayPal account which is XXXX have funds stucked on it that I have to withdraw as soon as possible for emergency purposes. I'm hoping that I will get back my PayPal account to continue my transactions and able to withdraw my funds. Thank you and more power. 

For identity verification, I have attached my valid ID.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AL)

I issued a claim dispute on XX/XX/XXXX in reference to an order I placed the previous year on XX/XX/XXXX for merchandise that I never received. The merchandise was bought through XXXX at the cost of {$190.00}. I contacted the seller but never received an answer. After opening the dispute with Wells Fargo nothing was achieved and the case was closed shortly after it was opened. I attempted to call the Wells Fargo service but was told that there was nothing that could be done regarding the refund.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Somebody stole my car and my wallet was in there with all my personal information. I need the following accounts deleted from my report. I am a victim of identity theft. I have listed the report of accounts in a report from the federal trade commission. My affidavit is included as well. Please help me get these accounts off my file. It is tarnishing my name as well as all of the legal troubles I have to handle due to my car being stolen.
Consumer complaint received 2022-05-14
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX XXXX. as XXXX working in a XXXX  XXXX  since XX/XX/2020. 

My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.