davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

XX/XX/2020 I was approved instantly for a Sams Credit Card. I just received a letter stating because of my credit I did not receive a low interest rate. I called Synchrony Bank on XXXX when I received the letter and said something is wrong because my credit score is almost in the 800s and do not have late payments. There must be a mix up. I told him I was looking at my XXXX and XXXX  report as we speak and he said they use their own credit rating. I explained its still way off and thats not right. He kept laughing and saying goodbye. Every time I tried to speak he spoke over me and would laugh. Then he said we get complaints from everyone saying they dont like our system and hung up on me.
Consumer complaint received 2021-04-13
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)

This is a complaint against Paypal. I have been using Paypal for more than 3-4 years now and for the last year, since the pandemic, I have been actively using Paypal and its services to buy/shop things, transfer or send money to friends and family. But then all of a sudden, I get an email from PayPal that my account is permanently limited and that I won't be able to use it anymore. I won't be able to send/receive money and if that wasn't enough, they mentioned that I won't be able to transfer/withdraw the amount that I have in there! How is this not extortion? I tried reaching out to them because I still believe this is a mistake but after multiple phone calls ( on average lasting about 2.5 to 4 hours ) and attempts to reach them, I still haven't talked to a single person or heard from them. As a last resort, I had to try you guys out and check if you guys can intervene and help me sort this out. My email address associated to the Paypal account is XXXX XXXX
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (MI)

I noticed that my Experian credit report displayed several unauthorized hard inquiries that were made by XXXX XXXX. I then reached out to XXXX Executive Office 's, disputing that the inquiries made by XXXX XXXX on my Experian credit report were unauthorized and without permissible purpose. XXXX responded, stating that XXXX had no knowledge of the inquiries that is being reported on my Experian credit report, and provided supporting documentation to that fact. Although I provided Experian with supporting documentation from XXXX, that the information Experian is displaying on my Experian credit report is inaccurate and false, Experian still displays the inquiries.
Consumer complaint received 2022-11-01
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. (GA)

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. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-06-27
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. (CO)

the car loan from XXXX XXXX XXXX was paid in full on XX/XX/2019. From {$800.00} to the current balance of {$0.00}. 

Loan # XXXX Account # XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my consumer report, I discovered unauthorized inquiries that persist despite my previous communication with TransUnion requesting reinvestigation. Regrettably, the issue remains unresolved to date. 


1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2019-04-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Citibank mailed us a cash bonus offer to earn {$500.00} by depositing {$15000.00} in a qualifying checking account for 90 days. We went to the nearest branch on XX/XX/2018 and signed up with the banks representative. The rep suggested my wife also open a second checking account with another {$150000.00} to earn an additional {$400.00} dollar bonus. Around XXXX a {$100.00} bonus appeared on my checking balance. That left us {$800.00} short. It's been over 7 months now. I called the bank representative and she said they would look into it. She reported we were not getting the bonus money because ( surprise ) we needed to open a savings accounts too. This was never mentioned before. I searched the fine print and it states one can open " either/or '' checking or savings accounts as long as one or the other maintains the minimum balance. 
In short it looks like a bait and switch to gain free use of the money.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I filed a complaint in XX/XX/XXXX regarding a collection for XXXX XXXX XXXX XXXX in the amount of {$830.00}. The account was originally with XXXX XXXX. I asked that proof be sent to me proving this account was opened by me and a signed contract with my signature because I did not open this account. After 15 days, XXXX XXXX XXXX recalled the account and it was deleted from all credit bureaus but now I see that that same account was given to XXXX XXXX and their trying to collect again.
Consumer complaint received 2019-06-27
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. (TX)

I am a victim of identity theft. I have requested for Equifax to investigate an existing fraudulent account on my credit report. I have supplied all 3 Credit Reporting agencies with a copy of my police report requesting for fraudulent activity to be removed. Equifax has failed to comply with my request. I've written a letter stating that company XXXX XXXX  does not belong to me and therefore should be removed
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2018 a Credit card payment was made and posted to the same online account as we have two Capital One accounts. Rather than two payments to two separate accounts. 

Payments were made on time. The only error was both payments posting to the one online account
Consumer complaint received 2019-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) 2 ) XXXX XXXX ( XXXX ) XXXX ) XXXX  XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) XXXX ) XXXX ( XXXX ) 11 ) RXXXX XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) 14 ) XXXX ( XXXX )
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (VA)

Got Scammed through XXXX - My Phone number was linked to a PNC bank account of a unknown person and they stole the money that was sent to me by my Husband. Money ( {$250.00} ) was XXXX  from my husbands bank account XXXX XXXX XXXX XXXX ) to me using my Phone number XXXX. Proof of XXXX sent confrmation : XXXX on XX/XX/XXXX  Amount : {$250.00}. I received alert on my phone that money is received but the account number was not mine. Proof of receipt below. PNC Bank Alert : You received a XXXX payment of {$250.00} from XXXX XXXX. This payment was sent to account XXXX. I don't have account in PNC Bank and some one linked my phone number to their XXXX account and stole my money. PNC Bank allowed this due to a flaw in their system. I did not receive any alert on my phone that my number is being linked to another account. I called PNC bank with in 30 minutes of the fraud and explained them, so far no response from them. And after few hours the fraud has de-enrolled my number from their account and I was able to add by the number to my XXXX XXXX account. I want my money to be refunded from PNC bank.
Consumer complaint received 2019-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MO)

I obtained my yearly free credit reports from all 3 credit bureaus and noticed Commonwealth Financial listed. I disputed them and had them removed but they have since reported yet again and used a new date to prolong the report on my file. I have no knowledge of this debt and have never received correspondence from them in the mail regarding this debt. Each time they report the debt to the agency my score goes down. They were removed recently in XX/XX/2019 from XXXX and immediately reported to XXXX directly after being removed from XXXX. They need to be immediately investigated for their practices
Consumer complaint received 2018-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

In XXXX an automatic payment was changed but continued to be drafted from the other account so payment was declined. I did make an automatic payment online. I called Carrington in XXXX during the grace period because I was no longer able to access the online payment portal. They informed me due to the returned payment I could no longer submit the payments online and they were not sure at that time if the automatic draft would be processed. One person I talked to said it was no longer active, someone else said it might still come out. I had no way to access this online to confirm it. The payment did automatically draft in XXXX. I called again and they assured me automatic draft is no longer active and said I must use certified funds such as cashiers check money order or XXXXXXXX XXXX. My bank sent a bill pay check but the check was returned and the auto draft still came out of the bank. In XXXX the bank check was returned and my mortgage is now late because they dont consider a bill pay check directly from the bank certified funds. So basically the only payment they are accepting is ones with additional fees attached. It is my opinion because they are considered a debt collecter that they are deliberately hindering my ability to make timely payments.
Consumer complaint received 2018-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Back in XXXX I got fraudulent activity in my card. I contact the credit card to reconcile the transactions that were fraudulent and since then there has been a lot of messages related to that and I do not understand what was going on. the last electronic message was last week ( XXXX ) related to that. 
I have been waiting to close completed my credit card so I can make sure I can see any additional activity. 
Yesterday I called Citi Credit Card to 1 ) ask what is going on and 2 ) close my account.

I spoke to the manager of the call center ID number XXXX and she said the fraud department is the only one that can tell me about the fraud activity and they were closed. i explained I need to understand if everything is OK so I can close my account. I also explained I do not plan to keep the credit card and an annual fee was charged. I asked her to give me options to figure out what was going so I can close my account because I don't want to pay the {$100.00} fee for a card that can't help me resolve fraud issues when it happen. 
She was really rude and told me that I have no options and I must pay the fee and balance before closing my account. 
It feels like the credit card company is delaying solving my problems so they can charge me {$100.00} before closing my account.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They were some fraud on my accounts last year but since I been unemployed. I havent been able to to call or find out more about it ... Bank of America was more likely have lost some money ... I just want to fix my financial situation to be able to have checking account. Thank you
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have decided to file a complaint through the Consumer Financial Protection Bureau after I was assigned a regulatory complaint servicing specialist through Bank of America. XXXX XXXX, the specialist assured me she would get to the bottom of the situation and resolve it quickly. The deadline for her response has passed and her number is no longer in service. 

It all started with the worst banking experience I have ever had. XXXX phone call lead to my account being closed without my permission and my credit slashed. 

I called to inquire about a balance transfer to a card that I have had a zero balance since XXXX. Do to some issues with my account, card services was unable to assist me so they transferred me to a credit analyst XXXX XXXX XXXX XXXX. I explained to XXXX what I was looking for and he said he would see what he could do. He asked me tons of questions regarding financial hardship, income, where I live, how I was able to make such large payments, etc. After all that he said he was unable to offer me anything but to keep an eye out. I told him that I was recently offered an offer which just expired, and he assured me he could n't reinstate it. I expressed to him that I have been receiving offers from other banks and did n't see the need to keep this account open if BofA could n't help me out. He said he would close the account, I interrupted him and said " do not do anything to my account till I speak to your manager ''. 

I was transferred to XXXX XXXX. XXXX was nice and wanted to know what was going on. I explained to him and he said to hold and he 'd check it out. Note : this entire time I 'm hoping for an offer or at least an option for a balance transfer. 

XXXX comes back saying that after further review the Bank Americard Visa XXXX ( XXXX XXXX is closed and that my {$10000.00} credit limit on the BankAmericard Cash Rewards Visa XXXX was reduced to {$2900.00}. Shocked I asked him why my account was closed when XXXX said I did n't have any offers but to keep an eye out? XXXX responded with " well you closed the account ''. I told him that I instructed XXXX to not do anything to my account until I spoke to his supervisor. XXXX could sense the misunderstanding but said there was nothing he could do. 

I called Bank Of America because I wanted to see if they could help me. I started banking with them when I was XXXX, a freshman in college. I have been loyal ever since. When I called I was hoping for some guidance, maybe not the answer I wanted, but at least some guidance. But the answer I got was completely different. I 'm modified at what happened and really upset over the outcome.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I requested a forbearance on the mortgage in XX/XX/2020 for six months due to COVID19 and I was approved by Mr. Cooper ( loan # XXXX, property address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX ) and the forbearance expired on XX/XX/2020. I called Mr. Cooper at phone # XXXX this afternoon and spoke with XXXX. She said that the pandemic forbearance ended and it shows I have a past due amount of {$27000.00} that must be paid either ALL at once, or a payment plan whereas I must pay one lump sum of {$19000.00} ( which represents five months of mortgage payment ) by XXXX and the remaining {$8000.00} can be paid in installment ( s ). I told her that I can not pay {$20000.00} in one lump payment this month and asked her if the {$27000.00} can be added to the existing loan and I am willing to pay the slightly increased monthly mortgage. She said that Mr. Cooper is not willing to do this for my loan and that the only other alternative is to do a loan modification. I told her that I don't want to modify my loan ( I have 2 % interest rate ) and don't want to mess it up. She said that I have no other options. Mr. Cooper is not willing to work with me. I can make a payment arrangement to pay the past due amount in 6-7 installments and I feel that this is more than fair. Everyone was affected by COVID19 and the mortgage co. should work with their customers.
Consumer complaint received 2019-04-23
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. (MO)

My credit report has so many incorrect accounts reporting to my file, unknown and unauthorized accounts inwhich I'm writing to be removed immediately, or the three ( 3 ) major reporting agencies must delivered to me a physical certified signed contract that validates their reporting. These accounts are not mines and I would appreciate if they were immediately deleted. Account # 1, Missouri XXXX XXXX {$6300.00}, Account # 2, XXXX XXXX XXXX {$440.00}, Account # 3, Missouri XXXX XXXX {$78.00}, Account # 4 XXXX XXXX XXXX XXXX {$2600.00}, Account # 5, XXXX XXXX {$820.00}, Account # 6, XXXX XXXX  {$120.00}, Account # 7, XXXX   {$670.00}
Consumer complaint received 2020-11-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX XXXX, XXXX with a balance of {$5700.00} -This is not my account.