davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I listed an item on XXXX XXXX for sale. To be clear, I am not a business - just a guy who had an extra computer part to sell. A buyer approached me, we agreed on the price of {$670.00}, and he paid me using Paypal. I handed off the item as discussed, but later on in the day, the buyer disputed the transaction with Paypal, claiming it was unauthorized. 

Paypal then slapped a negative {$670.00} balance in my account. I provided the XXXX conversations discussing the sale, as Paypal requested. They then took a month to get back to me. When they did get back to me on XXXX XXXX, it was again a request for more evidence. They gave me a deadline of XXXX XXXX. I began gathering evidence and I filed a police report with my local PD. 

Then, on XXXX XXXX ( three days after giving the XXXX XXXX deadline ), Paypal told me my case was resolved in the buyer 's favor. I told them repeatedly that they had not held up their end of the deal, since they had told me I had until XXXX XXXX At this point, I realized that every time I was talking with Paypal XXXX it was with a different person who either didn't have access to previous conversations or did not care to read them. Each time I engaged with Paypal online, it was as if I was bringing the problem to their attention for the first time. At one point, Paypal customer service even accused me of being the one who disputed the transaction when clearly I did not. It showed me that they had no understanding whatsoever of the issue and just wanted to clear out their inbox. 

On XXXX XXXX, I had a call with a customer service representative named XXXX. She repeatedly told me I did nothing wrong, and was sorry that I had to deal with this. At this point, I thought I was in good shape because Paypal was telling me I did nothing wrong. Except they never wiped the debt and they bungled the admin dealing with the case. 

Paypal did re-open the case, which is currently pending. That said, they closed the old one in the buyer 's favor. So, now I am getting multiple calls daily from Paypal 's collections department, harassing me to pay this {$670.00}. This is a huge deal for me, not just because the calls are annoying, but because I hold a government clearance. Financial issues such as unpaid debts are a huge factor in determining people 's clearance. 

I am a XXXX XXXX  and current servicemember in the XXXX XXXX. As an XXXX in the XXXX, I am not predisposed to lie, cheat, or steal. I don't understand why Paypal would even offer me the opportunity to present evidence if they were so willing to resolve in the buyer 's favor and send me to collections. I feel alone in this fight and afraid that I will have to cough up {$670.00} in order to clear my name. I was the one who was wronged and yet I am the one who is paying for it now. Please help me.
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (VA)

Binance.US a cryptocurrency exchange, has taken my account hostage for 45 days, regardless of my correspondences they have not helped me and are ignoring me! and seems like many thousands like me now. 

*All THEY HAVE TO DO TO HELP ME IS : ADD MY NEW CELL NUMBER TO THEIR SYSTEM ( since my cell number has changed ), SO I COULD ACCESS MY ACCOUNT. 20EMAILS AND THEY ARE NOT DOING IT! 

I have completed " Identity Verification '' steps needed. One of which is to upload a valid photo ID of yourself and have the data be reviewed and validated. I completed those steps in XXXX of XXXX I have reached out to the organization *multiple* times, have filed a previous complaint here at the XXXX, and have exhausted my resources to find a solution. My immediate concern is that I have over {$7000.00} in funds on the exchange -- which is a large amount for myself -- and it is being held hostage due to the incompetence of XXXX. 

I believe this to be fraudulent and illegal. I'm not the only one. I've read plenty of other users experiencing the same, ongoing, woes. I'm asking for a resolution + compensation for the neglect and ongoing waiting period to access funds that are legally mine, being held up by this corporation. I will be filing a civil claim against said company unless a swift & satisfactory resolution is met. -XXXX XXXX - XXXX XXXX
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Please review below is the contact information. 

SOURCE RECEIVABLES MNG Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$520.00} {$520.00} Payment Info Original balance {$520.00} Balance {$520.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2021-11-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX and XX/XX/XXXX there were a total of 5 charges from XXXX XXXX XXXX XXXX Bank of America Credit card totalling {$340.00}. I went to the bank in person on XX/XX/XXXX to report the fraud, the branch associate and I spoke to the fraud department by phone and I was advised to begin a fraud claim using my banking app ( I did that while I was at the bank ). the charges were reversed initially, my card was cancelled and a new card issued. Then, On XX/XX/XXXX and XX/XX/XXXX on my replacement card, there were 4 more XXXX Trips charges totalling {$300.00}. I called to report this continued fraud, and BOA added a freeze for any future XXXX Trips charges, and these fraudulent charges were reversed. In the meantime, Bank of America ADDED BACK the XX/XX/XXXX and XX/XX/XXXX uber trips charges onto my credit card stating that the charges were reasonable and consistent with my use of XXXX Trips and my credit card. 

I filed a written appeal to be sure that all charges are removed from my card ( the XXXX charges and XXXX charges )- I sent proof of my whereabouts thanks to my state farm safe driver app - showing that I was driving myself around on the days in question - NOT using XXXX. I provided my XXXX trip history dating XX/XX/XXXX - present, which shows an average monthly use of about {$5.00}. Additionally, I have not even used XXXX since XX/XX/XXXX and none of the charges in question appear on my XXXX history. 

Upon their review, Bank of America NOW states that " while you personally didn't make the charges, we confirmed it was made by an authorized user on the account or someone who has permission to use the card. NO ONE uses my card, except for me, and NO ONE has permission to or is authorized to use my card except for me. They consider the case closed and say I have to pay the XXXX charges in full plus interest and or penalties if the account is not kept current ( I keep my account current ). the XXXX charges are still under review. I want to be sure they are considered in the request for assistance as well, as I fear the same outcome on that claim.
Consumer complaint received 2022-12-16
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times.

I demand the inquires below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to process these inquiries : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX  XXXX ( XX/XX/2022 )
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

Again this is an very small vague response from discover as expected, I spoke to XXXX this morning she called me directly from customer care, SHE TOLD ME DISCOVER RECEIVED NEW DOCUMENTS FROM CREDIT AGENCIES, I TOLD XXXX THAT I HAVE SUBMITTED AN NEW FRAUD AFFIDAVIT ISSUED BY XXXX, GOT IT FILLED AND SIGNED BY THE OFFICER OF LAW AT XXXX PD, AND ALSO GOT THE PAPER NOTARIZED BY THE STATE OF CA. SHE TOLD ME THAT SHE WILL START AN NEW INVESTIGATION AND WILL HAVE TO TRANSFER MY CALL TO INVESTIGATIONS TEAM XXXX COMES ON THE PHONE FROM INVESTIGATIONS SAYING THAT HER COLLEAGUE TOLD HER THAT U SUBMITTED NEW PAPER WORK AND NOW THE INVESTIGATION CAN BE STARTED AGAIN I TOLD HIM THAT I MADE SURE THAT THE OFFICER AND ME TOGETHER FILL OUT THE FRAUD AFFADAVIT FORM AND ALSO GET IT NOTARIZED, THE OFFICER REALLY FELT BAD FOR ME TO SEE THE SITUATION I AM IN, I TOLD XXXX THAT MY NEXT STEP IS TO HIRE AN CONSUMER LAWER AND TAKE DISCOVER TO COURT, UPON HEARING THAT HE STATED WORDS LIKE " SURE, YOU ARE WELCOME TOO THAT WILL BE PERFECT!! '' WHEN I TOLD HIM THAT I WILL HAVE TO HIRE AN LAWYER TO DEFEND MY SELF. I TOLD HIM I AM RECORDING THIS AND I WILL PROVIDE THIS TO COURT OF HOW YOU ARE MAKING AN MOCKERY AND FUN OF AN FRAUD VICTIM!!! WOW THESE PEOPLE ARE CRAZY. AFTER HEARING THAT XXXX HUNG UP THE PHONE ON ME AND I COULD NOT EVEN TALK OR SPEAK TO HIM CORRECTLY. THE GUY HUNG UP THE PHONE ON AN FRAUD VICTIM I WOULD LIKE TO STATE THAT XXXX AND THE DEPARTMENT AT DISCOVER THAT HANDLES FRAUD INVESTIGATIONS ARE HEARTLESS PEOPLE! THEY HAVE ONE SIDED JUDGMENTAL PERSONALITY, I HAVE NOW PROVIDED DISCOVER WITH NOTARIZED FRAUD FORMS SIGNED AND DATED BY XXXX PD AND ME. 

NUMBER THAT CALLED ME WAS XXXX MONDAY XX/XX/04 AT XXXX XXXX
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (CA)

XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TD AUTO FINANCE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

I went through XXXX to remortgage at a lower interest rate. Before I even made one payment, XXXX sold my mortgage to Freedom Mortgage. My first mortgage statement from Freedom Mortgage was higher than my agreed payment with XXXX. I contacted Freedom Mortgage several times and was finally told the amount was higher until they did an escrow analysis. How can they just make your payment higher WITHOUT an analysis? My escrow amount and account were fine and after complaining, FM did change the amount back to what it was originally supposed to be. Also, when I called in a payment they took the account information incorrectly and then came back with a late fee and once they had the correct information ( I was monitoring my checking account ), they automatically took the PAYMENT and the LATE FEE. I called to complain ( again ) and was told that I had agreed to that amount over the phone which if I DID, I had NO intention of doing. I feel very manipulated and that I am not dealing with a company of integrity.They would not refund my money or put it toward my next payment and said they would put the late fee amount toward my principal amount. I had no say in this and did not appreciate their customer service.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (IN)

I had multiple unrecognized soft inquiries that I had noticed after running my annual credit check. XXXX XXXX and Experian ran credit checks every month last year multiple times throughout the month, and even multiple times per day. I also have a soft inquiry from XXXX XXXX  on XX/XX/XXXX. I have a soft inquiry from XXXX on XX/XX/XXXX, and XX/XX/XXXX. I also received a letter stating that there was an unauthorized disclosure of my personal information that had occurred between XX/XX/XXXX and XX/XX/XXXX. It was leaked by XXXX which is a cyber security firm that contracts with XXXX, XXXX ( " XXXX '' ) to provide a secure file transfer software called XXXX. XXXX is a professional services company that provides services to hospitals and clinics affiliated with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ). As a result, I have concerns that my personal information has been leaked and someone may be using my social security number for anything or running strange credit checks causing inquiries since I do not recognize many inquiries.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2019 I deposited my paycheck through the Bank of America mobile app to my checking account. At the time of deposit, I was informed the check would be made available the next day. However, when checking my account for funds on XX/XX/XXXX, I learned that a deposit hold had been placed on my account and funds would be made available on XX/XX/XXXX. 

On XX/XX/XXXX I contacted numerous Customer Service Representatives at Bank of America who were completely and totally uncooperative. They said that, even though I was promised availability of funds the next day, there was nothing they could do. Further, they were unwilling to involve anyone else who may have the ability to review the deposit and make funds available. 

My paycheck is drawn on an account managed by XXXX, a payroll processing company, on a local bank. There is absolutely no reason to hold an individuals paycheck for that long, as this is 2019 and payments are processed electronically through the clearinghouse. Further, funds can be verified by simply calling the issuing bank and verifying funds.
Consumer complaint received 2019-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

My loan was serviced and modified by Rushmore in early XXXX. Prior to that from XXXX-XXXX, Rushmore force placed a hazard, flood, flood-gap insurance policy claiming that the condo master insurance policy I submitted was insufficient. The insurance premiums were excessive and amount of coverage was excessive. My loan was transferred to XXXX XXXX  last month and they informed me that was policy was not mandated by my loan provider and was improperly assessed.
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I went to FIFTH THIRD BANK for a consumer credit transaction. 
FIFTH THIRD BANK denied my credit application & sent an adverse action. 
Denying my application & sending an adverse action is considered DISCRIMINATION against me the Consumer. 
Me the consumer & natural person was excising his rights under Title 15 Chapter 41 when FIFTH THIRD BANK was DISCRIMINATING. 
FIFTH THIRD BANK is also committed fraud by denying my credit application for the extension of credit. 
This company violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor.

Pursuant to Title 15 U.S. Code1602 ( f ) credit means the right granted.

Title 15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card.

Title 15 U.S. Code 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card. EXTENDING CREDIT IS MY RIGHT UNDER TITLE 15 CHAPTER 41. FIFTH THIRD BANK showed discrimination because I was exercising my rights under Title 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION.

FIFTH THIRD BANK Failed To Comply With Title 15 U.S. Code 1691a ( 3 ) because the applicant has in good faith exercised any right under this chapter.

Title 15 U.S. Code 1691e ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.

Title 15 U.S. Code 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection. FIFTH THIRD BANK denied my credit application thats an UNAUTHORIZED ACCESS DEVICE & UNAUTHORIZED CREDIT CARD US Pursuant To Title 18 U.S.C. 1029 ( e ) ( 3 ) & consider a CRIME Pursuant To Title 18 U.S. Code 1029
Consumer complaint received 2021-08-24
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. (FL)

I have been trying to get these fraudulent accounts off my credit for some time now. In XXXX I sent in a mail document to get these fraudelent account off but i still havent heard back. Its been well over 60 days now. I called the credit bureaus to figure out whats going on and they told me that there was an error on my FTC report that i needed to date the account. This doesnt make any sense to me at all. Also, I have a few unauthorized credit inquires on my credit profile. I did not authorized noone to check my credit report. I have never done business with this company. I have attached the updated FTC report along with my Drivers license
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MA)

I requested the highest available standard to date of debt validation to be performed on this account. The findings of that reinvestigation and the furnishers contact information. I also requested the original contract containing my signature, All charges payments, invoices charge slips, and promissory notes to improve my indebtednedness or any other document pertaining to this account. Nothing has been provided. XXXX has already removed this item from my credit report, I request that XXXX and EXPERIAN follow suit. The law clearly states that any item that can not be verified to be 100 % accurate or is found to be Incomplete must be DELEATED NOT UPDATED!!!! I request the immediate deletion of this item from my credit report. I have been disputing this item for over XXXX months and the damage that it has caused is irreversible. By law XXXX has thirty days to respond to my Request and provide me with these requested doccuments or the account must be deleted. Original contact was made on XX/XX/2024 with proof of delivery by certified mail. Again I request the IMMEDIATE DELEATION of this account from my Experian XXXX XXXX credit report.
Consumer complaint received 2023-12-20
Product: Credit 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: WELLS FARGO & COMPANY (SC)

On or about XX/XX/ I noticed a large sum of money missing from my account and when I check my account and realized that a XXXX XXXX  was withdrawing this money from my account I immediately called Wells Fargo bank and although the gentlemen that I spoke with said they would reissue me a temporary credit well they have not and continue to refused to give me the money that was taken out of my account without my consent or knowledge and despite me issuing police reports and an a affidavit of truth and facts ( see attached ) they still refuse to reissue me the funds stating that the transaction were authorized, although they have no proof of previous business or dealings. I dont nor have I ever knew a @ XXXX
Consumer complaint received 2022-03-25
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. (GA)

On XXXX XXXX I sent certified letter to CRA 's for them to DELETE all the Inaccurate and Incorrect personal information from my consumer reports. CRA 's has failed to respond back appropriately by Updating my Consumer Report with 1 correct name, 1 correct address, 1 correct employer, and correct SS #. As a valued consumer this is causing emotional and physical hardships for my family and I. This is unacceptable Per federal law they're in violation.