davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX {$690.00}
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I opened an account with Huntington Bank on XX/XX/ 2020 with the promotion that if I deposited XXXX within 60 days I would receive a XXXX account bonus. I deposited XXXX within 60 days. It is currently day 128 days and this account bonus has not posted. I have tried contacting Huntington bank over 3 times to resolve this matter. They continue to not resolve this matter.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc. (IL)

Collection Agency has not verified debt and has reported derogatory information to multiple credit agencies. I 've contacted Collection agency to provide proof of debt, rather than provide proof of debt in timely matter State Collections reported collection to an additional credit agency. State Collections also failed to contact me regarding collection and I found out through checking my credit report.
Consumer complaint received 2024-02-23
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. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (UNITED STATES MINOR OUTLYING ISLANDS)

Good day maam/sir, I am writing this letter to Complaint The Paypal Company Regarding my wallet account that they are permanently banned my wallet.I can't recieved and send money anymore. I wonder what violation i committed since all my transactions were came from my XXXX client.

I received email came from them like this Specifically, unapproved activities involving gambling, gaming and/or other activity with an entry fee and a prize. This includes, but isn't limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lottery tickets, games of skill, sweepstakes, and other ventures that facilitate gambling.

I never do that since i am a XXXX

May be they were mistaken of this action that they've done. 
I have balance in my paypal wallet worth XXXXXXXX XXXX XXXX came from my clients. 

Hopefully I receive nice feedback of this letter. 
Thank u and godbless.
Consumer complaint received 2020-05-05
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. (AR)

I have an account that was closed on XX/XX/XXXX approximately to a 0 balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called XXXX XXXX XXXX XXXX XXXX XXXX and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with Equifax time and time again. XXXX  is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

After getting the run around by Experian, they suggested that I contact XXXX. When I called XXXX you can only access a recording which specifically states We can not help you with your credit report or scores, please contact the credit reporting agencies. Ive already done that ; | Experian had no clue why my score dropped 14 points, what a collection of XXXX. Being in the lending industry I understand credit reporting all too well. 
| On XX/XX/2020, the Experian site had my score at XXXX ( Picture attached ). I have a credit limit of {$26000.00}, yet my only outstanding balance was {$200.00} or 1 % utilization rate. 
| On XX/XX/XXXX, roughly two weeks later my scored had dropped by 14 points. ( Picture attached ). This is significant because as you can see by the attached picture, I have paid off the {$200.00}, no other factors on my credit have changed. Having low utilization rate or in my case 0 % is a positive on a credit report, not a negative. The people at both Experian and XXXX can not explain how this happened. 
| Experian will send you a bunch of XXXX nonsense which will tell a laymen how credit works. These XXXX need to address why the above comments happened, which are the complete opposite of how credit works. 
| Anything short of that is plain XXXX! Does the CFPB have any XXXX XXXX? Or is it just another useless govt agency?
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020, I applied for credit with XXXX XXXX and was denied. The reason give was " Unable to verify credit reference due to security alert ''. When I investigated, Experian was reporting that I had a security alert that required the creditor to call me, but they said they did not have a phone number for me. I have obtained credit in the past with the security alert on my file and never had a problem with a missing phone number ( i.e., creditors were able to call me to verify the information ). Even though Experian is blocking credit inquiries, it is counting the inquiries against my credit score. 
When I tried to contact Experian to fix it, all I could get was a phone menu that gave me no options to add information to the alert and no way to talk to a person to fix it. I tried a wide variety of published customer service numbers XXXX XXXX, XXXX, XXXX, XXXX, XXXX ). All of them eventually took me to the same set of menu options, with no option to talk to a person. None of phone options would fix my problem. 
What is more ridiculous is that I have a " membership '' with Experian to monitor my credit. The membership has all my current contact information, including phone number. Yet for the security alert, they claim they don't have a phone number. 
As currently arranged, Experian is denying me the ability to obtain credit by blocking credit checks and offering no way for me to correct the situation and add a number. By offering no option to talk to a person, they are failing to provide a basic and reasonable service. 
By denying me the ability to obtain credit, they are adversely impact me and my family and causing a financial hardship.
Consumer complaint received 2021-01-20
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: Westlake Services, LLC (NY)

I am writing to WESTLAKE SERVICE INC agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting WESTLAKE SERVICE INC agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (MN)

i got a student loan back in XXXX and withdrew from my classes with 1 semester and tried to re enroll the following term and had a outstanding balance of XXXX $ i wrote a heartfelt explanation letter to great lakes and asked them to allow me to re enroll and continue my studies but couldn't pay back the XXXX $ they demanded repaid before i could be put back into the student loan program and they denied me outright and told me i couldn't appeal ... and since then the balance grew to over XXXX $ from fees and i had it tarnish my credit report for years and years and could never get a loan or credit card because of it.. i still think to this day it's still on my report ... XXXX XXXX later!!! it came to my attention when i noticed it saying that it was only first sent to collections back in XXXX ... so they sat on the overdue bill for XXXX yrs XXXX   my credit score and only then XXXX later then sold it to a collection account company.. i have been severely XXXX by this and. we'd help ty
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax continues to report XXXX of my accounts as charge-offs even though I have sent Equifax proof that XXXX has said they will no longer report. I have XXXX accounts with XXXX that are currently reporting as charge-offs. This information is over 7 years old. I called this to XXXX attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from XXXX stating that as a customer courtesy they had made the decision to delete the tradeline reporting. That the accounts would no longer be reporting. Since XXXX XXXX Equifax has updated my credit report two times and continues to report as charged-off. They reported it XXXX XXXX as a charge off. I sent a copy of the XXXX XXXX letter from XXXX to Equifax as proof when I filed the dispute with Equifax. Equifax told me on the phone that they can not use the letter to remove the accounts that they can not control what XXXX is reporting.
Consumer complaint received 2020-10-21
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: BARCLAYS BANK DELAWARE (NH)

Booked a trip on Frontier Airlines from XXXX to XXXX on XX/XX/2020 for {$450.00}. 
As flight was going to be in XXXX, and we were in the midst of a pandemic, I specifically asked if tickets would be refundable if I was unable to travel due to Covid19 and was assured they would be. 3 days before trip was going to be made, we were informed by our employers that if we went to Florida we would be required to quarantine for 14 days when we returned. We could not afford to be out of work for 3 weeks so trip was cancelled. 
Frontier attempted to get me to accept a credit for future travel but I refused and told them I wanted the full refund that I was promised and they agreed. 4 weeks later there was still no credit to my card so I called Frontier and was advised that a credit was issued on XX/XX/2020. My credit card, which is a frontier airlines master card through Barclays bank, still had no credit so I called Barclays and disputed the charge. 
They promised to do an investigation and reversed the charge. 
On XXXX XXXX the charge once again appeared on my statement and when I called Barclays and spoke to their rep they xfer me to Frontier where I spoke to XXXX agent # XXXX and his supervisor XXXX agent # XXXX who stated they would not issue a credit because Barclays charged back the {$450.00} So it appears that Barclays, and their airline partner Frontier, are playing games with my money and pointing the finger at each other with me stuck in the middle. Nobody will give me a straight answer and I am exasperated. Please help.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (KY)

I began my loan process on or about XX/XX/20 with PNC financial. They have repeatedly lost paperwork or delayed the underwriting process. Loan went towards closing on XX/XX/20 with the loan processor. I have had my mortgage insurance certificate delayed due to errors on their end 3 times as my loan was to be closed 2 weeks ago with a closing date of XXXX per my XXXX contract. PNC has charged me multiple times over what was originally quoted without explanation. I was given a quote of {$9500.00} for closing costs that included all taxes and fees but duplicate charges I had previously paid. In bringing this to their attention they removed the fees but then added an additional {$2400.00} to bring my new total to {$10000.00} to close. I gave a 30 day notice at my current residence that expires in 2 weeks, have no alternative housing, unable to hire movers or plan the next phase of my move. I have reached out multiple times to the individuals and their supervisor and have received only vague responses that essentially kicked the can to the next person. They are still unable to provide me with a closing date as of the time of this complaint with my file being sent again to underwriting. They held my file for so long that I neared the expiration date for my paperwork that was originally submitted.
Consumer complaint received 2024-02-23
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. (GA)

Hello I have now been dealing with this going on 8 years when someone stole my idenity. And I have spoken with many representatives regarding this debt. As this account is now hitting its XXXX year mark and still being reported on my credit report. This account is not mines as I been stating the whole time I have never lived at this address nor do I have any knowledge of this account. Im asking for immediate removal as this has caused me alot of financial hardships. Im requesting immediate removal or I will find a consumer law in the next 30 days regarding this matter. As I have not been able to get a place. Also on each bureau they are reporting different last XXXX of socials, different open and closed dates im just frustrated with this as I will attach a copy when requested. It multiple accounts that have been listed as I will provide attachment.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (VA)

On XX/XX/2021, at approximately XXXX EST, I initiated a wire transfer of {$5000.00} to my Binance.US account to begin crypto investing. Binance.US issued to me the following information to affect the wire transfer from my bank : Recipient Name : XXXX XXXX, XXXX Recipient Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Routing Number : XXXX Account Number : XXXX Bank Name : XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Reference Code : XXXX REFERENCE CODE MUST BE INCLUDED IN ORDER FOR YOUR DEPOSIT TO REACH YOUR WALLET The above information was accurately provided to my bank, XXXX XXXX, and the wire transfer was processed immediately at XXXX EST, XXXX XXXX, and I was provided the following receipt/tracking information by my bank, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX TRN # XXXX XXXX  # XXXX Fed Ref # XXXX XXXX XXXX XXXX XXXX XXXXXXXX As of today, XX/XX/2021, Binance.US and their help desk ( XXXXXXXX  ) have NOT provided any information regarding why the wire transfer has not processed nor yet been deposited to my account. I am only given the repetitive boxed answer, that they are working on it, and I am asked repeatedly for the tracking and ID information again and again. As bizarre as it sounded, I complied when they recently asked me to provide a short selfie-video of me, showing my face, with my identifications and recent bank statement. That was last Friday morning, I provided it, and still no update or answer from them as to where my wire transfer deposit is. 
I am convinced there is some very nefarious activities going on with Binance.US and their partners. After some Internet research I found numerous chat rooms filled with similar events as mine with numerous victims to the same wire transfer M.I.A. scenario, i.e., https : XXXX. It has been happening to hundreds and hundreds of people, and many with six-figure amounts missing! 
Binance.US, their reaction to this seems suspicious, but again, XXXX is my only contact as their official help desk. After I complained excessively, and threatened going to authorities, Binance restricted my account so that I can not do ACH deposits or withdraw my money they already have in my account there. 
I ask that a full investigation of Binance.US and their partners, i.e., XXXX XXXX, XXXX XXXX XXXX, and even their help desk, XXXX be initiated. The hope is that we can rectify the situation with my lost deposit and stop the activity from continuing with others. I also expect Binance.US to assist me in immediately withdrawing all my funds they currently are holding XXXX at no fee or cost. My losses due to their unscrupulous business dealings is already in the many thousands.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2018 - Wells Fargo allowed a non-federal entity ( XXXX XXXX XXXXd XXXX ) a law firm for an HOA to place a hard hold on my checking account. This has caused grave and emotional stress as I use this account to pay all my bills. 

I tried addressing this matter with the bank and have not reach any success. Under banking rules and laws ; holds are only allowed by federal government agencies - in which the current vendor requesting a hold is not a federal agency, its a HOA law office. 

On XX/XX/2018 - all monies placed in my account were wiped out causing even greater harm.
Consumer complaint received 2020-10-21
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX agreed to. XXXX XXXX XXXX has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 
Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (MO)

First and foremost my unemployment benefits were put on this card without my consent. I DID NOT want this XXXX card to begin with. Now I am on a verge of getting the news company as well as a lawyer involved. I have been waiting on a card from money network for over a month now I was told XXXX XXXX my card would be shipped out on XXXX XXXX. I have yet to receive a card in which I have to wait on because my money can not be transferred to me any other way is what bs I was told. I am receiving unemployment in which I do not have any XXXX  money for anything at all. I am XXXX  which means Ive went a full month HUNGRY! No money no nothing this is totally unacceptable and XXXX ridiculous!
Consumer complaint received 2020-06-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX {$690.00}
Consumer complaint received 2020-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am currently on XXXX and receiving funds from the state of California. the Process requires the monies be deposited to Bank Of America XXXX Pre-Paid Cards. My Issues Is with Bank Of America and how they Manage the account. More Specificly the fact that they are restricting access to funds for an additional day from the date of the deposit is issued by California XXXX, additionally may Pre-Paid Card had expired and they didn't not send the replacement in a timely manner causing an additional delay of 10 day to gain access to my funds as they do not allow for transfer to another financial institution with out a valid debt card.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (VA)

I did a wire transfer to coinbase on XX/XX/XXXX and my account has not been credited yet. I submitted a ticket through coinbase on XX/XX/XXXX but I have not heard anything back. The case # is XXXX. I have contacted them multiple times and I am getting nowhere. Any help would be appreciated.