davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

XX/XX/XXXX : Paypal limits my account with a balance of {$8200.00} USD - no funds can move in or out of the account. They ask me for various documents to confirm the identity of my person and business, as well as information on some transactions which I immediately provide in full. XX/XX/XXXX : Paypal denies my documents and explanations describing the products/services and states it can not be accepted. My account remains locked and I still don't have access to my funds. I am sent the following form reply : " At this time, the limitation on your PayPal account can not be removed until the below issues are resolved. To help us resolve this, you will need to : - Describe the products and/or services associated with your PayPal transactions. Please refer to : - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD In response to this, I send in the requested info again, with descriptions and links to the highest level of detail possible. I also call Paypal 's phone line asking why my responses are being denied and what I can be doing to rectify the situation. They tell me they don't have a way to contact the compliance department responsible for making the decision, and tell me the best they can do is to make an educated guess about what they might want. Upon asking for a way to reach the compliance people myself, they tell me that they do not accept customer phone calls and will only accept communication and documents uploaded directly to PayPal. XX/XX/XXXX : Through email, Paypal informs once again they can not accept my responses and the limitation on my account can not be removed. My account remains locked and I still don't have access to my funds. I have repeatedly offered different explanations, documents, and screenshots 4 times, yet Paypal only sends automatic robot responses saying the limitations on my account are here to stay and that my responses were not good enough with no further explanation. They are holding my funds hostage.

They previously denied my complaint stating that my account is not in the US therfore they can not do anything. However, my account balance is in USD, and my company is registered in the USA also.
Consumer complaint received 2022-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing in response to collection, Act. # XXXX, XXXX XXXX, in the amount of {$300.00}. 

I am victim of identity theft and would like Med Data Sys to provide proper validation, above verification, of any relationship established with Med Data Sys or XXXX XXXX. I am exhausting all efforts to quiet this claim and request Med Data Sys System, prove that this debt is valid. 

If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. XXXX. 


XXXX XXXX
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MA)

I have been working with US Bank to bring my account current. I applied for HAMP but was given a Formal Forbearnce which I could not afford. I made the first payment and could not make the second payment. The bank rep in error accepted my regular monthly payment and did not advise me of the consquences. I have appealed and was told in writing to reapply. I did so on the XXXX of this month with the paperwork they sent me and faxed in to the number, Yesterday I called to see what type of payment I should make and was told my application was not accepted because the former file was not closed out. When I told XXXX XXXX I was following the instructions of the letter dated XXXX/XXXX/16 from US Bank she was uncooperative and accused me of being rude which I was not when I stated I was following the instructions given to me in the letter
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Transunion to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-07-05
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. (GA)

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from please remove them as well XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX . I have reached out to FTC and my local police department and I am doing this on my own behalf.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I saw 3 " Hard Inquiries '' listed on my credit reports that I do not have any record or recollection of authorizing. They are all dated in XX/XX/2019. I would like them removed and the fraud, if found, investigated.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This bank lied to Me Enrolled me Im a customer fixed assistance program I lost my XXXX they said I was approved for 5 years lowering my monthly payments since my I come has been reduced to due to unemployment from job loss Due to Covid 19 They enrolled me And then I get a letter in the mail Saying I was declined by them this is ridiculous they lie to their customers by phone then send them notices by mail disagreeing with what they told me and even set up monthly drafts from my checking account then Im very upset
Consumer complaint received 2021-05-17
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: Experian Information Solutions Inc. (TX)

Experian/XXXX/XXXX are NOT RESPONDING TO DISPUTE REQUESTS!!!!! 

To Whom It May Concern : You are reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The following information you are reporting is inaccurate and incomplete. 


COLLECTION XXXX Account in Litigation-NOT MY ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX no contract- delete immediately XXXX XXXX XXXX XXXX - NOT MY ACCOUNT- DELETE IMMEDIATELY I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradelines item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

My name is XXXX XXXX, and my family and I have been trying to secure a legitimate short sale on our home ( located in XXXX XXXX, XXXX ) and the Mortgage holding institution ( PNC Mortgage, & PNC HELOC ) has been offered a very strong, legitimate bid from a very solid buyer, but neither are agreeing to the others terms for settlement. This is forcing my family to fall victim to a completely avoidable foreclosure which would be extremely difficult for me and my family being that I am a XXXX with an active Security Clearance, which must be maintained in order to keep my job. I was transferred ( XXXX ) from XXXX to XXXX for my job, and since I am unable to live in the home, I must sell it in order to avoid paying double mortgage & rent payments. 
We purchased the home in XXXX, and the house is currently underwater ( at least 20 % negative equity ), and for me to sell it, I need to sell short. Additionally, our ARM mortgage payments doubled the end of last year, making it impossible for me to afford those expenses on my current government paycheck and expenses. Needless to say, we do n't have the funds to cover the difference in cost. 
Also, in order to process this short sale, per the requirements specified to me by the PNC representatives I spoke to, I needed to miss mortgage payments for at least 3 months before they would consider processing a sale. This has been happening since XXXX XXXX. This means that my credit has taken a massive downgrade and my ability to ever purchase or rent property with my current credit rating in the near future has been extremely jeopardized. 
I am being represented by a Real Estate professional in XXXX, as well as a legal negotiator since beginning this process, but they have been unable to get these XXXX sides of the same coin to agree to each others terms. And we are the ones who are continuing to be the victims of this incompetence and corporate selfishness. First being the housing crisis, and this being the second. 
As of last Friday ( XXXX XXXX, XXXX ), the XXXX PNC Mortgage still wo n't accept the terms offered by the XXXX, and our lawyer ( Realtor 's lawyers ) have all but quit trying, since even with my threats to file a law suit, and call my congressional representatives wo n't help them finalize. Also, after more than 3 months of trying to get a new buyer into the home, which will secure for PNC more than XXXX % of the total amount of the original note, the current buyer is expected to back out in order to find another home which they can get into faster. This means that my family will now be forced to wait for another buyer who probably wo n't offer near what this one did, if we can find one at all, considering now we have a history of an uncooperative bank who is n't willing to negotiate with each other in order to finalize a sale. Can the CFPB help us resolve this issue? I am willing to forward all details of the situation upon your request.
Consumer complaint received 2022-04-11
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( also known as XXXX ) Account # 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 an account without my written instructions.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I recently reviewed the copy of my credit reports and I noticed some inaccurate personal information that are not mine.

I have listed the inaccurate in XXXX  and sent it to the Bureaus. Please see the attached file on this complaint
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. (UT)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX of 2021 I closed 2 accounts with Wells Fargo bank upon anticipation of a strategic move to another state. 
The personal banker I worked with tried to tell me of a new account closing procedure that no-one understood and were having problems with. 
The amount was {$340.00} and some change in the account. 
I was assured a cashier 's check would be overnighted to a new address so I waited 3 days, ( this happened on a Friday so I had to wait until Monday to go back to the branch ) and received no check. They had no check number or tracking number for my money, they wanted me to pay a {$35.00} fee to cancel and resubmit the check. What check? They didn't have proof one was ever issued much less know where it was. 
The delay of their error made my plans delayed for 5 days costing me a job opportunity and multiple financial distress 's. 
I have been in constant contact with Wells Fargo only to get shuffled around with automated responses that have done nothing. I have done numerous 3 way callings only to be here talking to you. 5+ weeks.

My bills are in arrears and my phone has been turned off as a result. My only communication is by email and that does not allow me 2 step verification to access any of my personal accounts. 
This has and is still causing major financial distress with late fees and no payments accruing daily.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DE)

I attempted to obtain a recent credit report from XXXX and the information provided is erroneous and misleading. I have responded to XXXX  about the situation ; XXXX  has done NOTHING to resolve the errors and misinformation.
Consumer complaint received 2022-01-27
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. (MN)

Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But XXXX, Equifax and XXXX keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden
Consumer complaint received 2022-04-11
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( also known as XXXX ) Account # 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 an account without my written instructions.
Consumer complaint received 2022-01-27
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. (MN)

Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But Transunion, XXXX and XXXX keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax Dispute Resolution Team, I am writing to dispute the collection account associated with my credit report, as reported by ACCOUNT XXXX XXXX, regarding an alleged debt to XXXX ALARM SYSTEMS. The account details are as follows : Account Owner : Individual Account Date Reported : XX/XX/XXXX Account Status : Unpaid Original Amount Owed : {$1100.00} Original Creditor : XXXX ALARM SYSTEMS Date Assigned : XX/XX/XXXX Agency : XXXX XXXX XXXX Delinquency Date : [ Not Provided ] Balance Owed : {$1100.00} Comments : Consumer Disputes This Account Information Balance Date : XX/XX/XXXX Date of First Delinquency : [ Not Provided ] Agency Contact Information : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX, Phone : XXXX I dispute this account on the grounds that it is not mine, and it appears to be the result of fraudulent activity. Upon reviewing the information provided by the reporting agency, there is no evidence of my social security number associated with the contract, nor is there a wet signature that matches mine. This leads me to believe that my personal information has been used fraudulently to open this account. 
I request a thorough investigation into this matter to verify the authenticity of the debt and to ensure the removal of this inaccurate information from my credit report. I am prepared to provide any necessary documentation or evidence to support my claim. 
Please treat this matter with the utmost urgency, as it has serious implications for my financial well-being. I look forward to receiving confirmation of the dispute and resolution within the designated timeframe. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OK)

Booked stay on XXXX for XXXX nights in XXXX XXXX, CA from XX/XX/2020 to XX/XX/2020. When we got there, the apartment was not clean, specially considering XXXX circumstances and that the host was marked as " Enhanced Clean '' where they are committed to a 5-step enhanced cleaning process. I called the Host and airbnb immediately, per their policy. After exchange of messages, we left the premises and found a hotel. Both the host and airbnb customer services did not respond for hours, leaving our family on our own during XXXXXXXX XXXX  and XXXX day. The host agreed to cancel our reservation and issue a refund, but we were only refunded for the cleaning fee. I followed up with both the host and airbnb and they considered my issue as a " cleanliness over oversight ''. Bottom line is, the host was not prepared to provide the service, she agreed to refund and airbnb did not help. 

Later on, I dusputed this charge with Citi credit card and they did not solve my issue. The truth is, I'm being charged for a service that I didn't receive. I tried contacting them all, but here I am, still wanting to find a resource to get this charged removed. 

The original charge was on XX/XX/2020 for {$1700.00} and I was refunded the cleaning fee for {$270.00}. So there is still the net amount of {$1500.00} that I am wanting to remove from my credit card. I contacted them again and they said I can not reopen a dispute. Please help. Thank you,