davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BBVA FINANCIAL CORPORATION (TX)

Company and attorneys are leavin messages saying they are going to press charges in my name for fruad because they have made electric deposits into my bank accounts of XXXX each. I dont have any bank accounts that have any amounts like tbat and im trying to establish an account and in my name and im not able too. Please i dont know where to start or what to do.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MA)

Credit Card was charged for an amount that I could never afford for a vacation rental in XXXX, Colorado. I called the credit card company and they did take out the charge from my account and said they will investigate. I received a letter from the credit card company saying that the merchant still could place back the charge into my account. I have never been to Colorado and I am working in my state when my credit card was charged. I just hope to have an end to this matter. I am ready to close my account but because I would like to follow up with the result of the investigation not only for my benefit but also for the benefit of my fellow public consumers. Be vigilant on what is going on with your credit cards. I am thinking of just paying in cash right now. It is very scary especially that I am an elderly that could not follow things.
Consumer complaint received 2024-02-07
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

In XXXX my mortgage servicing was sold to US Bank from XXXX XXXX XXXX. All 3 servicers paid taxes and insurance and they hit me for escorw shortage. They reimbursed me for property taxes but no one knew what happended to insurance. US Bank treated me like someone that did not pay the mortgage and made me apply for a modification. The law form for US Bank gave me 3 days to pay shortage. I got legal council at this point. US Bank sent me an addendum, two sheets, and stated they had " Found Funds '' and they never clarified what those funds were. This sum was XXXX. My mortgage was XXXX and now the mortgage was up to XXXX. The addendum was never returned signed by US Bank. It was never recorded with the Circuit Courts.  I received unsigned addendums from US Bank when I requested a copy of the executed addendum. The one I received was one that was clearly a cut and paste. I requested it again and received a copy singed by US Bank dated XXXX. This is not the one I had signed although same language from XXXX and no itemize for the " Found Funds ''. In XXXX US Bank sold my mortgage and addendum showed up with a copy of addendum recorded in XXXX but my legal council was not able to find it in XXXX. 
I belive US Bank owes me a credit for XXXX.
Consumer complaint received 2018-11-01
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. (IL)

I have had this XXXX card account removed off of my credit reports only to have it randomly reappear over half a year later. I only have 1 XXXX Card. What is showing on my account is 2 accounts. My actual account as well as a delinquent account opened 2 years ago that does not belong to me. I have had this account removed before and insist on having the fraudulent account removed again-permanently.
Consumer complaint received 2021-09-09
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. (AL)

I have unauthorized inquiries on my credit report. I also have items that are not my that are due to identity theft and as the credit agency to validate and they have not it has been over 30 days.
Consumer complaint received 2018-10-31
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. (IN)

EQUIFAX AND XXXX  ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Plus Inc (FL)

There are 2 inquiries on my credit report XX/XX/18 and XX/XX/18 from CreditPlus on my XXXX credit report. I would like 1 removed as I only authorized 1 pull.
Consumer complaint received 2022-03-14
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: CBC Companies, Inc. (GA)

I have new and updated information regarding my last complaint. Innovis believes that my previous complaint did not come from me. I have attached proof of my identity and this statement shall certify that I am the complainant/ consumer listed on the attached letter and attachments. I request that Innovis respond to my previous complaint XXXX via the CFPB. If Innovis must call me, I will only accept calls on Fridays after XXXX EST or Monday-Thursday after XXXX EST. My case ID is XXXX : I have previously disputed alleged accounts for XXXX  and Department of Education however, Innovis alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Innovis, XXXXXXXX XXXXXXXX nor the Department of Education can verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX 2.Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-29
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. (CA)

In XX/XX/XXXX I contacted XXXX my student loan servicer to apply for my SCRA Benefits a service member to deferrer my student loans because I was on XXXX XXXX I was approved and my student loans that are currently open where deferred and the close student loans from XXXX where updated. This was sent all three credit Bureaus on XX/XX/XXXX XXXX. my XXXX  and XXXX Credit reports where updated correctly however my Equifax credit report was not, only the open accounts where corrected but not the closed accounts. I contact XXXX made them aware of the error they sent it an correction to Equifax Twice and my account was not updated to no delinquency or past due form XX/XX/XXXX until XX/XX/XXXX. I contacted Equifax on numerous occasion and have not gotten this resolved. Attached are email correspondence between myself and XXXX and Credit reports showing that my account was updated correctly on XXXX and XXXX but not Equifax also I have a letter from XXXX from when that last time they sent an update to all the credit Bureaus.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I have already filed two complaints against this company. First, my account was unexpectedly restricted due to my filing my first complaint against the bank. I was told that my account was due to be closed upon calling but I was unable to have access to my funds until the account was closed. I still havent received any written notice of the account closure. I am XXXX and have a direct deposit from the Social Security Administration due this coming Wednesday. I did try to change my direct deposit information but it was too late to change for this pay period. I can not pick up necessary medication I need to live. I do not have money to purchase food. Within a half hour of filing my complaint nearly 48 hours ago, I received a phone call from a woman named XXXX XXXX in the executive office who empathized with my plight and promised to work on my behalf to get the restriction limited. As of today, the restriction has not been lifted and checks written on the account are being returned. I am at my wits end. Please help once more from letting this company discriminate against a XXXX woman who literally could die due to this companys actions.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This is a complaint regarding Citizens Bank. 
On XX/XX/2018 we received an email congratulating us on opening Mobile Banking and XXXX Account. I immediately contacted the bank to advise them we did NOT request either service. Bank Rep XXXX said ... it was good I called as this had just happened within a hour of my call and all was okay on our accounts..but, we needed to change our user id and password. XXXX gave me a new ( per his words ) fail proof user ID and we changed password. 

Thinking all was fine I did nothing else until on XX/XX/2018.We are retired and our pension payments go into our account on or around the first of the month. When I went in to account to see if our pension checks had been posted I noticed they were but, the balance as extremely wrong. I scrolled down and saw there were two checks issued on XX/XX/2018 to an unknown person and they were both cashed and deposited into a credit union in California??? I immediately called the bank. The rest of the story is in the attached document.
Consumer complaint received 2016-08-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (NY)

were locked out our online banking account w/o notification. KeyBank has a new webpage and did n't advise its customers. We did not receive any notification and thought the site as a phising scam site. So we did n't logged in and tried to log in again and were locked out. We tired to call and waiting twice once 25 minutes and then 20 minutes no customer service available. XXXX saturday XXXX. Called local branch and manager-XXXX ny was unaware of new webpage and also locked out of her account. We are concerned and alarmed about our money and This has caused XXXX not knowing whats going on? KeyBank has failed to advise customers of changes and customer service is unavailable to rectify my issue. KeyBank arrogance snubbing their nose at regulators and its customers is concerning and alarming.
Consumer complaint received 2022-03-14
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 (TX)

I have a business where we XXXX XXXX classes, approved by the Texas Department of XXXX XXXX XXXX, to rural XXXX services in the XXXX Texas area. We created a business PayPal account so we could try to keep up with the times and accept payments for tuition for these classes electronically since most people dont like using cash for this. I entered all the info required for 1099 so we could report the income to the IRS. The way out classes work is we accept tuition on the first night of class. So while we dont constantly receive money, we receive about XXXX once or twice a year from this. I set everything up with the account and everything was fine with no issues at all. Class then started and on XX/XX/XXXX I sent out three invoices for tuition which were then paid. On XX/XX/XXXX, we got an email that I need to verify our name, drivers license, and that we needed manufacturer receipts showing what products we were reselling and until that was submitted, our account was limited. I immediately contacted PayPal business by phone and informed them we dont sell products, but rather a service, as stated when we originally created the account and submitted everything else they asked for the same day. I was told it would take 48 hours for a decision but it the limitation would be removed. On XX/XX/XXXX, we got an email where it states we have been permanently banned from Paypal because of potential risk. I again contacted PayPal and tried to explain and offered to send them the paper from the Texas Department of XXXX XXXX XXXX. They stated they were going to file an appeal to have the decision to permanently ban out account reversed. We spoke to a supervisor who also assured us of this. We then were told to wait and were told they would place a hold on the XXXX in our account and we could not remove or touch it for 180 days and our account would still remain permanently banned. They were supposed to email us the final decision of the appeal but they did not. I am fine with them closing the account and will find another place to have my business account but I would like the money they are holding to be released back to me.
Consumer complaint received 2017-06-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (OR)

I had a car title Loan with Wilshire Consumer Credit which was paid in XX/XX/XXXX. I still had not received my vehicle title by XX/XX/XXXX. Contacted the company and they originally claimed that the title was released on XX/XX/XXXX and tried to refer me to a third party vendor ( XXXX ) that wanted to charge me to get information about my title. After refusing and calling back Wilshire Consumer they admitted that the title had still not been released but would get it processed now. When I asked why the title had not been released nearly 6 months after payoff I was told that it could have been any number of errors and they did n't know the exact reason it was never released. <P/>I find the whole process very disturbing and suspicious. Originally lying to me and saying it had been released and referring my to a third party that wanted additional money and then after I refuse to pay they admit that the title has n't been released and simply say " sorry, there was an error somewhere, but it was n't our fault ''
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

The XXXXXXXX XXXX are trying to say I owe them {$430.00} because they lost income because I moved out without proper notice. They sent my debt to National Credit XXXXystems and now my credit score went down. I do not owe them any money. I have signed documents from the apartment manager saying I will move out per my leave. I also got another housing voucher from XXXX XXXX XXXX XXXX because I moved out and couldnt stay month to month. 
Attached it my request to move form that was signed my apartment manager saying I moved out XX/XX/2021. Also attached is my payment history where XXXXXXXX XXXX gave me a move out credit. For two months after my lease ended XXXX XXXX tried to collect rent from XXXX but it was reversed because I no longer lived there.
Consumer complaint received 2022-03-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (CA)

We have not received any valid response from Specialized Loan Servicing LLC or XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Not In Its Individual Capacity But Soley as Trustee to our requests for Verification of Proof of Claim. SLS responded to our requests with incomplete and inaccurate information, provided a questionable Assignment of Deed of Trust recorded with XXXX XXXX XXXX XXXX XXXX by claiming to have Attorney-In-Fact status from XXXX XXXX  XXXX on XX/XX/XXXX as proof of claim to be the rightful owner or Holder in Due Course of our Promissory Note which we signed with XXXX on XX/XX/XXXX. 

We are troubled that potential fraudulent and deceptive practices by unscrupulous mortgage brokers/servicers in the sales and transfers of mortgage servicing rights may have occurred. We believe that photocopy of the documents is insufficient proof as it does not answer the question of who is the CURRENT rightful and lawful Holder In Due Course, nor claiming to be the the holder in due course as a statement is insufficient proof of status.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Over the past 6 months I have paid my mortgage early or on time and each month XXXX XXXX XXXX representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee. 

Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since XXXX could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly. 

This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments. 

I have attached the records that are available to me on line so you can see the payment from the XX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again. 

I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue. 

Thank you,
Consumer complaint received 2018-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have a current and active PayPal account. On XX/XX/18 I requested to withdrawl {$200.00} from my PayPal balance to my debit card instantly. I agreed to the instant transfer fee and clicked agree. I received a error message stating transfer will be delayed 72 hours. I was promised over the phone by a PayPal representative that I would receive my funds by Wednesday XX/XX/18. Never received my funds and PayPal put limitations on my account. I called PayPal again and my call was routed straight away to collections dept. The PayPal collections dept attempted to collect a old alleged debt that was included in my bankruptcy. PayPal is collecting illegally and is holding my funds hostage
Consumer complaint received 2018-11-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AmeriCash Holding LLC (IL)

This is my second complaint. I am having my paycheck garnish at will from Americash loans. I have no idea on how to stop them. I have XXXX XXXX and unable to pay for my meds or rent this mount due to the back to back wage garnishment. I NEED HELP
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ) has been sending me collection notices in the amount of ( {$110.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.