davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

In XX/XX/XXXX, I was living as a student in MD and wanted to set up internet service with XXXX. They kept getting my address wrong and were not able to set up service in that exact area but multiple accounts were opened under my name to correct their mistake. After dealing with them not getting the internet service set up in a timely manner, I asked all accounts be closed under my name. I was assured that was the case. 

XX/XX/XXXX, I received a bill in my name on my current address in PA that I owed {$88.00} and another {$1200.00}. I called XXXX and she removed {$88.00} charge and closed the account. She said I'd have to call back regarding that {$1200.00} charge because she could not see it on her end of the system. 

I call back multiple times in XX/XX/XXXX and XX/XX/XXXX and they have had difficulty looking up my account because the account is closed. It took several agents and being bounced from one department to another until I landed a representative who was able to look up the information. She told me I did not owe this amount because I received no services. She assured me she removed all charges and I would not have to make a call again. 

I received a letter from a Sequium XXXX XXXXr agency this XX/XX/XXXX that I owe {$1200.00}. This is grounds for harassments against XXXX and XXXX XXXX XXXX  for billing me charges I received no services of and potentially reporting it to credit bureau agencies to harm me financially and emotionally.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I sold a product on XXXX, the buyer paid PayPal. The funds are in my PayPal account but PayPal will NOT transfer the funds to my XXXX checking account as they have done in the past. The amount is {$1600.00} due me. An error message keeps coming up, " sorry there is a problem ''. I have contacted PayPal several times and they have an excuse that the transfer is blocked. They recommended I contact the Consumer Protection Bureau for legal help. I am XXXX years old on a fixed income of {$800.00} a month and I need my funds. I guess what they are saying is that it is going to take legal action to get them to transfer my funds to my XXXX checking account. Their computers flagged it as fraud. MY FUNDS, from a legal XXXX Saale, transfer to PayPal, and their computer has blocked a transfer of MY FUNDS. Sounds like chicken XXXX excuse to me. MY FUNDS, MY XXXX checking account, how do I get MY FUNDS transferred. Unbelievable!!!! XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent multiple of letters asking how this company has verified and method of verification about a Bankruptcy reporting on my credit report. I have not received anything as of yet to how it is verified and accurate. I need this Bankruptcy to be removed immediately.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

Someone tried to open a PayPal Credit account and this letter ( attached ) was sent to me saying it was not approved due to unable to verify my identity. Used an old address in which the letter eventually got forwarded to me at my new address.
Consumer complaint received 2021-04-11
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 (VA)

Paypal closed my account for no reason, and can not help me to get it back to normal. I was informed the account will be limited permanently, and the balance will be on hold for XXXX. I will be able to withdraw the money to my bank account then. However, when I logged in my account one day, I was shocked because the money on my paypal account was taken by paypal without a notification and there is XXXX balance. That is definitely illegal and not fair. Because of the virus, I can not reach paypal agent, but I tried to reach them one day, and they can not tell me what happened and why the money was taken. I fell they can not do their job properly and it has effected by life seriously. My paypal email is XXXX.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (PA)

On XX/XX/2024, I wrote to you asking that you look into some things that I thought were fraudulent, wrong, or reporting lies. Up to this point, the only answer I've gotten was a computer-generated letter telling me that you have stopped looking into my credit reports because you think I used a credit repair service. I think this is not only a way for you to hold off responding to my original request for another 30 days, but it is also a clear violation of the FCRA.
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. (AL)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00}
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

I am writing to notify you the reporting and compliance on this account ( s ) that is being reported on my credit report contains incorrect/inaccurate info. I am exercising my right under section 623 of the FCRA made available under FACTA 312 to have this inaccurate reporting investigated, not just send me a statement, but a true investigation of my concerns. To date, you are out of compliance and the accuracy and integrity of the information you are reporting highly inaccurate. As you already know the FCRA/FACTA 312 requires certain type of data audits and testing techniques to stay compliant and according to my records your is not since the data being reported is not 100 % accurate. As of this moment I am demanding that all collection activity, which includes reporting, to the cease immediately or you will be violating my rights per Section 623 ( a ) ( 3 ). Any update, other than REMOVAL, after this formal certified and dated notice of your inaccurate reporting/updates to my credit file will be considered deformation and fraud punishable by law under the FCRA and FCBA.

[ As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and proof of accuracy ] To date, I have notified your company and the credit bureaus of this and plan to hold both of you liable for ignoring my notifications as this item is still showing after I have demanded immediate removal since this inaccurately false information has been brought to your attention in my dispute to the CRA which you verified!! 
Your improper procedures are highly damaging to my credit score as I am sure you are aware of and can not be handled until you stop ignoring my request for proof of fairness, 100 % accuracy, timely, and compliance according the all consumer protection laws. 

My attorney and I will be awaiting your response within 15 days. If sufficient verification and proof of a full investigation of the accuracy of this alleged debt as listed above is not provided my next letter to you will be my intent to sue if it is still listed on my report after my notice.
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

XXXX failed to inform the California XXXX XXXX XXXX the correct past amount due on our mortgage loan. Due to Covid we fell behind on payments for 1 year and the past due amount is {$37000.00}. We reached out to the California XXXX  XXXX XXXX to help us with the {$37000.00} we were past due on. However, XXXX informed the California XXXX  XXXX XXXX that the past due amount was {$14000.00}. On XXXX XXXX, 2023, the {$14000.00} was posted to our mortgage loan. 

We reached out to PRMG on XXXX XXXX, 2023 to clarify the situation between XXXX and California Mortgage XXXX XXXX. We spoke to XXXX XXXX ( employee # XXXX ), who stated we weren't eligible for the XXXX program because our mortgage was up to date. However, if we were up to date how did we receive {$14000.00} for our mortgage? She failed to respond to our question, got upset and hung up on us. 

We have been trying to resolve this mortgage relief for 5 months now. Per California XXXX XXXXXXXX XXXX, our application XXXX met the qualification requirements to bring our loan current on XXXX/XXXX/2023. However, XXXX failed to inform the California XXXX  XXXX XXXX we owed {$37000.00} and our home loan was shorted {$22000.00}. 

In order to correct this error committed by PRMG, we are requesting that XXXX get in touch with the California XXXX XXXX XXXX for the {$22000.00}.
Consumer complaint received 2020-09-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report my sensitive medical records on my credit file. 
XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION For EXPERIAN 1. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report my sensitive medical records on my credit file. 
XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION For XXXX 1. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report my sensitive medical records on my credit file. 
XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION (CA)

I applied for a cash-out refinance on a triplex in North Dakota with American Financing in XXXX of XXXX. On XX/XX/XXXX I received an email from American Financing advising that my credit report was showing that my primary residence was in forbearance, which it was, and I confirmed that it was with the mortgage consultant, XXXX XXXX. He confirmed over the phone that the forbearance on my primary home would not be an issue, and on XX/XX/XXXX, I received a Pre-Approval letter from American Financing. On XX/XX/XXXX, I received a conditional approval letter from American Financing. The property appraisal was scheduled and conducted on XX/XX/XXXX. The appraisal came in low, and on XX/XX/XXXX, XXXX provided me with additional loan options that would serve my purposes. Between XX/XX/XXXX and XX/XX/XXXX I followed up with XXXX and XXXXmerican Financing for status updates. On XX/XX/XXXX, XXXX called me to advise me that my primary residence was in forbearance, and therefore they could not write this loan. I advised him that this fact had been known since at least XX/XX/XXXX, and asked him why this is just now becoming an issue. He responded by saying that since American Financing, with full prior knowledge of the forbearance, had issued the pre-approval and conditional approval, he did not think that it was an issue. 

On XX/XX/XXXX I received a denial letter from American Financing with the reason for denial being " We do not grant credit to any applicant on the terms and conditions you have requested. '' and " Other : loan program not available ''. It seems clear that American Financing in their denial is attempting to avoid responsibility for their mistake. I was told by American Financing that the sole reason for the denial was the forbearance on my primary home, but they are trying to avoid saying that because they had full knowledge of that fact throughout the entirety of the underwriting process. They also provided me with several loan options and offers, which makes their denial patently false and a blatant lie.

I was also required by American Financing to move the title of the triplex out of my LLC and into my personal name which has caused me to incur unnecessary costs as well as expose myself personally to potential liability. Additionally, their mistake has caused me to waste 5 months working on this loan, when I could have spent that time working on another solution.

Due to all of this, I would like to see whether under FRCA American Financing can be held to their offer to extend credit based on their full and complete knowledge of my credit profile and the forbearance on my primary residence prior to denying my application based on said forbearance. If not, I am seeking recompense for the extraordinary time and effort that I have wasted on them, and the expense incurred having to redo title work that I was required by them to do under the loan. Please advise on any recourse that I may have against American Financing.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have contacted Equifax concerning a bankruptcy that they have placed on my credit report. They contacted me and informed me that the information was verified with a third-party company named XXXX XXXX XXXX. This XXXX XXXX XXXX sells consumers information for a profit. So they are not concerned about the accuracy of the information that they supply. 
Equifax has not properly verified the accuracy of the bankruptcy that they are reporting in US Bankruptcy Court-XXXX. Equifax did not get this information from the courts. I contacted the courts and they told me that they never gave Equifax any information concerning me. 

So unless Equifax contacted the court-get the name of the person with whom they spoke with, their proper identification number, the date and time in which they spoke with a person and what was told to them-proof that they did indeed speak to someone at the court to verify the information that they are reporting against me, then this must be deleted from my reports. 

Using a third-party company that is selling consumers information for profit is not proper verification. 

Please delete this information from my credit report if you are not able to properly verify the information through the courts.
Consumer complaint received 2019-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

On or before XXXX XXXX, 2019, I signed up for the XXXX   money transfer service. On XXXX XXXX, members of my family and I tested the service by sending each other {$1.00}. The service worked fine. We all received the moneys and were able to transfer them to our bank accounts. 

On XXXX XXXX, a family member sent me {$300.00} from her bank account via XXXX. My XXXX account showed the money in my XXXX account. On XXXX XXXX I tried to transfer the XXXX money to my bank account buXXXX XXXX cancelled that transaction. 

On XXXX XXXX, XXXX emailed me saying the account had been suspended " due to recent activity that appears to be a violation of our User Agreement '' and asked for a copy of a US government issued photo ID. On XXXX XXXX, I sent XXXX a scan of my state driver 's license. 

On XXXX XXXX, I received an email ( XXXX # XXXX ) from a XXXX  account specialist XXXX XXXX telling me that " the payments you received originated from unauthorized funding sources or otherwise posed risk to our system '' and " any additional inquiries will not be answered and this case is considered closed '', but nothing more that would tell me what the problem was. XXXX XXXX also said " Please note that the funds held in your balance have been flagged for investigation and will be held for up to 180 days for loss prevention purposes ... we are unable to assist you further. '' On XXXX XXXX I sent an email to XXXX XXXX asking for details. On XXXX. XXXX, XXXX XXXX said, " XXXX has determined that the payments you received originated from unauthorized funding sources or otherwise posed risk to our system ... any additional inquiries will not be answered and this case is considered closed. '' I called up customer support at XXXX, and was told that the account specialist team that XXXX XXXX is part of could not be contacted by the support people and that support could do nothing. I asked for a supervisor. I spoke to XXXX XXXX who said she would try to contact the account specialists. She sent me an email saying she had " reached out to the account specialists ''. I have heard nothing since. 

I am in the position of having my {$300.00} being frozen by XXXX for six months with no information why and no recourse.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/18 I received an alert on my XXXX stating I added an authorized user on my Bank of America, BAO, mobile banking app. I then saw that {$6300.00} was transferred out of my savings account. I immediately called the bank and reported the fraudulent activity. They opened a claim. Claim # XXXX. 

On XX/XX/18, BAO sent me an email stating they denied my claim because the transaction came from a device I had been using to login and I authorized the transfer. They asked to have my IT department do a scan and if a virus was found that they could write a letter stating their findings. My work computer had a virus on it and I sent the requested letter. After a few weeks BAO called me and told me that my claim was denied again because the fraudulent activity came from my XXXX and I authorized the transaction. 

I contacted my mobile service provider, XXXX XXXX, to see if they could scan my phone and provide a letter of their findings. XXXX stated they do not have the capability to scan phones. 

I did not authorize this transaction. 

I filed a police report with XXXX, MA police department on XX/XX/18, Report # XXXX. 

I contacted the bank one last time and told them what XXXX said regarding phone scans. BAO said they would not reopen/honor my claim.