davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I have a PayPal accounts. First I created a personal account this was the email address of the account XXXX the number of that account is XXXX XXXX XXXX And I created also a business account and the email is XXXX the number is XXXX That account was all permanently limited due to potential risk and other acusition they email me in PayPal. Honestly I don't make any issue in PayPal I don't break the rules in PayPal I don't have any dispute in my accounts. They banned my account in unfair decisions. I'm just doing good business in PayPal but they banned me I don't know why they banned me even I'm a good seller in the platform. I don't make any illegal activities or break the policy and rules. 

That's why I make new PayPal account to continue my business with them same name and same I.d information the email was XXXX number is XXXX But when I use it they banned again in my first transaction. They said that if ever I have an account with the same name that was banned. The newly created accounts will be banned also. 

This is not fair for me. I'm not doing any wrong I'm just doing a business with PayPal..
Consumer complaint received 2020-05-04
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. (MN)

EQIFAX For several years I had no issues with my online account, then toward the end on 2019 I could no longer access my account. I attempted to change my password with no success. I contacted Equifax and they requested hard copy information. I sent a hard copy of my Drivers Licence and SS card on XXXX XX/XX/2019. I have had many phone communications with the company, usually ending in password reset. My final communication was that I would be no longer allowed to have an online account. 

I would like my account access restored
Consumer complaint received 2023-01-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There is a charged off account on my credit report with XXXX XXXX. This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. XXXX is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. Experian is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and XXXX and Experian refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but XXXX and Experian hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX  but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.
Consumer complaint received 2021-11-03
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-30
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. (MI)

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the fair credit reporting act 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 a account without my written instructions.
Consumer complaint received 2018-07-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Receivables Management Partners, LLC (FL)

My problem is the opposite. I am trying to get ahold of this debt collector, but I can not find a number for them. I searched for the office and it said that it was permanently closed. Only my credit report it says that I owe them {$800.00}. It is effecting my credit score so I dont know what to do.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (CT)

I started the process to refinance in mid XXXX. I was told I was approved in XXXX and also told that my closing would be XX/XX/XXXX. While I was attempting to communicate with the bank I was given several different " single points of contact ''. ( I am now on my third - XXXX XXXX XXXX XXXX. 

After my attempts at communicating with the bank and my loan XXXX XXXX XXXX XXXX XXXX ID XXXX ) went unanswered, XX/XX/XXXX came and went without a closing. 

Throughout this process communication has been terrible on the bank side. Several promises to provide " updates '' the following day were never given despite almost daily requests from me. Finally, I requested to escalate this to a supervisor ( XXXX XXXX XXXX XXXX  XXXX ) and was told that I would be closing on XX/XX/XXXX. In the days prior I was asked for updated payoff statements which I provided immediately. We did not close on XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX said that XXXX would be " ingesting this now and will be submitting this for a review to clear ''. That has not happened and my requests to expedite my closing have not been granted. XXXX XXXX doesn't even bother to respond and XXXX says that " its in underwriting, I'll check on it and get back to you tomorrow '' which he never does. 

I've now been asked for the forth time to provide updated payoff statement and have still not received a closing date. It is my strong belief that TDBank does not want to provide me this loan because I was able to lock in at such a low rate ( XXXX ) and they are hoping that I will just become frustrated and walk away. 

Do I have any recourse?
Consumer complaint received 2023-03-22
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

We had a Mortgage with Wells Fargo XXXX an interest rate of XXXX XXXX. Our mortgage originated in XXXX  Over the years as interest rates declined we contacted Wells Fargo to refinance at a lower rate. Each time we were told XXXX need to bring a considerable amount of money to closing & that it would on be financially beneficial.
Consumer complaint received 2024-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

XX/XX/XXXX. 2021 XXXX XXXX pass due {$56.00} IC SYSTEM INC -Collector I do have cats but we always payment after treatment. Otherwise hospital doesn't let us discharge our pets. 
I believe that we didn't visit since 2020.
Consumer complaint received 2020-09-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Essential Lending Inc (TX)

I received a loan from Wise Loans in XXXX. Unfortunately, I ultimately allowed the loan to default. I received a call yesterday ( XX/XX/XXXX ) from a company called XXXX who claimed they represented Wise Loans and said Wise Loans wanted to take me to court. Unfortunately, they called me at XXXX and caught me completely off guard so before I could do any research, I reached a settlement, made a payment plan and paid them {$190.00} yesterday. 

I have attached the payment plan and a voice recording of the voicemail that was left to this complaint. There is no address underneath the company logo and the statement " this is ____ this is a debt collector attempting to collect a debt " was not stated. The phone number and extension of " XXXX XXXX '', whom I spoke with, is XXXX XXXX. 

I googled the company XXXX and the number they called me on and I could not find anything. In fact, there are similar complaints : ( XXXX XXXX   XXXX ). I contacted Wise Loans and asked if they could confirm that they were represented by the arbitrator XXXX and they directed me to XXXX XXXX XXXX. I called XXXX XXXX XXXX and gave me the name and phone number of the company who now owns my debt, XXXX XXXX XXXX.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Mortgage company ( XXXX XXXX  ) did not credit my mortgage payment, that I paid a few days earlier. I had proof and obviously they could see I paid on time. The problem was no one could help after multiple attempts to get someone help fix their mistake. 
I finally got a hold of someone, who knew what the mistake was, unbeknownst to her, she did not understand why it happened. I finally was credited for the payment I did make on time. 
Today I went in to check my Credit score And mortgage company had sent a missed payment on the mortgage that I had paid. I have bank statement showing no late payments. How do get this fixed Thank you XXXX XXXX
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I applied for a credit card company named DISCOVER CARD FOR STUDENTS WITH LITTLE TO NO HISTORY OF CREDIT. as of XX/XX/2021. I spoke to 2 people which one was a manager who were so rude and inaccurately getting my credit report information and DECLINING MY APPLICATION FOR NO REASON BECAUSE I DON'T HAVE NO DEGRATORY MARKS. AS I STATED AND AS ON MY XX/XX/XXXXACCOUNT. WHICH SHOWS XXXX $ FOR EVERY STATUS. I HAVE NO CREDIT HISTORY AND FOR THIS COMPANY TO SHOW LACK OF CONCERN FOR CUSTOMERS IS VERY RIDICULOUS. AND STATING THEY DON'T RECONSIDER A PERSON APPLICATION IS VERY DISTURBING BECAUSE THAT IS THE WHOLE POINT OF RECONSIDERING A PERSON APPLICATION NOT DISCRIMINATING AGAINST THEM FOR NO REASON
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

I have had issues with Experian for over a year now. I have one account in collections that they have bluntly refused to resolve. The representative from the fraud department told me the do not have to show me Proof of what they verified or tell me how they verified the debt that is not mine. I have called and requested over 4 times for verification that validated the debt. No help! They are allowing this company to report false information  onto my credit file. XXXX  and XXXX  have deleted this account from my report.This is a direct violation of my consumer rights!
Consumer complaint received 2018-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IL)

We accidentally paid XX/XX/XXXX mortgage payment to HomePoint Financial twice due to their holding our check past the due date. Although their response to our previous complaint # XXXX   partially addressed this issue & the escrow portion of the overpayment was returned, HomePoint still owes us {$610.00} which is for the ( unearned ) interest portion of the double payment. In their response to our previous complaint they said no bank proof was provided to show double payment. This statement is not true as proof was provided on XX/XX/XXXX & again in attachment B of complaint XXXX. We have also sent numerous emails.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been dealing with the credit bureaus for over 6 months now in regards to a XXXX financial account that is reporting inaccurately on my credit report. In XXXX I sent a couple letters asking to look into the accuracy of what was reporting and 30 days had passed without an answer on their investigation and description of the procedure. Additionally, in XXXX XXXX I mailed a lack of response letter asking why nothing had been corrected or deleted to no avail. I've also reached out to XXXX XXXX and the only response I got was a letter sent from a " convergent outsourcing '' which is a different company. 

I know the bureaus get paid money from the creditors to report negative and positive accounts as a business product. It's extremely unfair because it allows the creditor to report whatever they want and the bureaus claim they verified the accuracy without showing how they reached their conclusion. 

Attached are some of the most recent letters that have gone out. My complaint is against XXXX  and Experian. Hope this can help me move on so my family can prequalify for a new home. Thank you
Consumer complaint received 2020-06-02
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (GA)

I reached out to Navient on XX/XX/XXXX Requesting for VALIDATION, NOT Verification, asking to provide me with competent evidence that I have any legal obligation to pay them. The information I asked for was : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4 ) The Electronic signature they claimed I signed, however ALL Electronic signatures has this symbol /s/ on the form, which in the case, Navient forged my name on the Electronic signature application ; 5 ) Identify the original creditor ; Pursuant to the Truth in Lending Act and Regulation Z ; 6 ) Provide a verification or copy of any judgment if applicable ; 7 ) Show me the you are licensed to collect in my state ; 8 ) Prove the Statute of Limitations has not expired on this account ; 9 ) Provide me with your license numbers and Registered Agent or Agent of Service ; AND 10 ) The Form ( s ) 1099 -OID ( Original Issue Discount ), 1099-INT, & W-9 of the account : XXXX. 
Navient ignored my request. They have reported to the three major credit bureaus invalidated information, destroying my credit. I also requested for Accounting, regarding the list of Collateral or Statement of Account, pursuant to The Uniform Commercial Code 9-210. Navient did not give me full disclosure pursuant to 15 USC 1631, including my consumer rights under 15 USC 1635. Navient prevented me from making an informed use of my credit, pursuant to 15 USC 1601. This account has been securitized without my consent resulting Identity Theft, and Theft by Conversion. This action might constitute fraud under both State and Federal Laws. Since they Reporting invalid information on my credit reports, with the three major credit bureaus, I will not hesitate to bring legal action against Navient for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) Conversion 5 ) Identity Theft 6 ) Impersonating The United States government, when you're a foreign private Corporation 7 ) Impersonating a Creditor pursuant to The Truth in Lending Act and Regulation Z ; Impersonating a Bank 8 ) Forgery of the Name Navient failed to respond back to my request. Therefore, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX  and XXXX  } request shall be sent to me immediately. If not, you leave me no choice but to bring a suit against your organization.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I filed a credit dispute on XX/XX/20 with Experian regarding XXXX XXXX. I have never had a mortgage or signed/agreed with XXXX XXXX for the said amount. All Experian did was investigate for one day and updated nothing. The entire information is incorrect the amount is well over the mortgage for the home that I showed proof of. They gave an automatic response without looking into this. I believe its mortgage fraud showing on my credit report.
Consumer complaint received 2020-11-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2020 an " ACH PAYMENT REFUND '' for {$2500.00} was listed on my credit card transaction history. I did not request any payment refund and the money was not refunded to any of my other bank accounts. 
When I called customer service they told me someone has fraudulently called pretending to be me and request my most recent credit card payment be refunded to their account. The bank flagged the call as fraud when it happened but still transferred the money. 
Customer service said the issue would be resolved in a few days and it still has not been resolved. I've spent 8+ hours on the phone with the bank. 
I am having a hard time getting information on the issue and the transaction is still present on my transaction history.
Consumer complaint received 2022-10-07
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: OneMain Finance Corporation (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2023-02-07
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. (MO)

After pulling my most recent credit report I notice an entry from an insurance company I have never used. I believe this to be fraudulent and should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX