davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc ()

Hi. I just want to ask help to restore my paypal account. It was permanently limited and can no longer use. I didn't violate any of their terms and conditions. Different people are sending me money because I am a freelancer. I am doing typing jobs, selling digital works and others. Help me to report this issue in paypal so that I can use it again and it is easy for me to receive my fee as a freelancer. 
Thank you so much for your help.
Consumer complaint received 2020-09-14
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. (FL)

THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-03
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: TD BANK US HOLDING COMPANY (FL)

XX/XX/XXXX : XX/XX/2020 A hard inquiry was made by XX/XX/XXXX for your credit file. 
XX/XX/2020 A hard inquiry was made by TD/BANKUSA/TARGET CREDIT for your credit file. 
XX/XX/2020 ( qty=3 ) 3 soft inquiry was made by XXXX XX/XX/XXXX XXXX XXXX for your credit file. 

My credit was locked, I don't know what happened withXX/XX/XXXX. 


XXXX XXXX XXXX XXXX : Some One change my Mailing Address : Correct Mailing and Residential address : XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. 

fraud Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX I suspect someone at this address ( XXXX ... XX/XX/XXXX ) is involved in fraud.
Consumer complaint received 2018-03-30
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 (NM)

I disputed a XX/XX/XXXX charge for {$140.00} from XXXX XXXX XXXX ( which billed me for verifying my XXXX llisting ) after I learned that my XXXX llisting had already been verified, so XXXX XXXX never performed any service. Bank of America issued a credit. I was told in letters from Bank of America on XX/XX/XXXX and XX/XX/XXXX, " There's nothing you need to do at this time '' and in a letter of XX/XX/XXXX, " No additional action or information is needed from you at this time. '' On XX/XX/XXXX, I received a letter from Bank of America dated XX/XX/XXXX saying that the charge for {$140.00} had been rebilled to my XXXX credit card. I phoned and was told for the very first time to supply documentation to support my dispute of the charge. The representative said that the dispute would be reopened on the basis that no services had ever been provided by XXXX XXXX. As requested, I faxed the documentation that same day, XX/XX/XXXX. Bank of America wrote me that the deadline for supplying information to support my claim had fallen on XX/XX/XXXX, five days before I was first asked to document my claim and that therefore, the dispute was closed and I had to pay the amount in dispute. I had a lawyer write a letter on my behalf, which I resent on XX/XX/XXXX via certified mail ; that letter indicated that I had initiated the dispute in a timely manner and that Federal law did not allow financial institutions to arbitrarily terminate a dispute that had been initiated in at timely manner, in this case noting that I was not asked to document my claim until after the supposed arbitrary deadline ( of which I had not been notified in advance ) had passed. Bank of America wrote on XX/XX/XXXX, " we were unable to determine that a billing error occurred '' and " the notification of your dispute fell outside the timeframes '' and " we're required to work within certain dispute processing rules, which include specific timeframes. '' In short : my dispute is being terminated in an arbitrary manner because Bank of America waited to ask for documentation from me until after the timeframe it later told me ( after the fact ) governs such disputes. This is Bank of America 's fault, not mine ; I would happily have provided the documentation in XX/XX/XXXX but was not asked until XX/XX/XXXX to provide the documentation in question.
Consumer complaint received 2021-02-22
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. (CA)

XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX* Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Consumer complaint received 2020-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP (TX)

On XX/XX/2020, I called credit conditions acting on behalf of XXXX the credit company at XXXX and spoke with XXXX XXXX and settle the amount which was originally {$1300.00} to an offer presented to me for settlement at {$610.00}. I paid in full {$610.00} with the agreement that the account will be closed and all three major bureaus will be notified to {$0.00}. I later got a letter stating the account is settled. However, all three bureaus still shows I owe a balance of {$740.00}. I keep getting calls from this company stating that I still owe them. I contacted XXXX 's and was told my balance is {$0.00}, but I don't know why I keep getting these calls. I want all 3 bureaus notified to {$0.00}.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My XXXX XXXX XXXX XXXX is reporting to credit bureau saying that I was 30 days past due back in XXXX of XXXX. I have bank account statements saying I paid the monthly bill in full in XXXX of XXXX. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. XXXX has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX  XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau 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 states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and XXXX XXXX do not want abide by the law hopefully this will make my credit report accurate.
Consumer complaint received 2021-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

I was scammed into an international wire transfer on XX/XX/2021 at one of Chase Branch. Chase bank didn't do any due-diligence to help double check the transfer. When the receiving bank saw the suspicious transfers and reached out to Chase to confirm the transactions, Chase was very slow in processing the request and never reached out to me. I eventually lost about $ XXXX and Chase refuse to cover my loss. 
I filed a complaint through Chase and got contacted by the Executive Office. However, after several phone calls to collect the information from me, they didn't give me any conclusion about their internal investigation on the case but only left a voice message saying Chase can not cover my loss.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I signed up to CareCredit for a zero interest credit promotion for my daughters XXXX, the amounts that were suppose to be paid were suppose to be in increments that would equal the total cost of the loan by the end of the promotion but they set the payment amounts wrong without my knowledge, Covid-19 pandemic hit us in XXXX hard so they did not let me know what was going on, I was charged almost {$500.00} in interest on a XXXX  interest loan. When I called to explain the situation, they refused to help me. So to summarize, the payment amounts were set incorrectly without my knowledge, the promotion expired without phone notification, the payments were suppose to satisfy the loan at the end of the promotion. The Pandemic hit all of us in XXXX when the promotion expired, which was when the loan was suppose to be paid off with the correct installments that were incorrectly set without my knowledge. I already satisfied the loan, I just requesting a refund of the interest charges by mistake on this XXXX  percent interest loan.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (CA)

XXXX XXXXXXXX Balance : {$0.00} CAVALRY PORT XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-08-29
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: LD Holdings Group, LLC (CA)

Loandepot reported a payment 30 days late. I believe this is unfair, as outlined below : Summary of events.
1. XX/XX/XXXX : Received statement dated XX/XX/XXXX, which showed monthly payment of {$440.00} due on XX/XX/XXXX, with the grace period ending XX/XX/XXXX.
2. XX/XX/XXXX : Made monthly payment, but somehow accidentally indicated a checking account that I dont use anymore.
3. XX/XX/XXXX : Received statement dated XX/XX/XXXX, which indicated that the payment due XX/XX/XXXX was made successfully, and the next normal monthly payment due XX/XX/XXXX, with the grace period ending XX/XX/XXXX.
4. XX/XX/XXXX : Realized my mistake in # 2 above, and so immediately made the payment again.
5. XX/XX/XXXX : Received statement dated XX/XX/XXXX, the first time I was notified of any fees, and immediately made payment of {$500.00} to cover monthly payment as well as the fees.
6. Mid-XX/XX/XXXX : Noticed the 30-day-late reported on my credit report.
Apparently the original monthly payment that was due XX/XX/XXXX was deemed 30-days-late because the payment that I had intended to apply toward that amount owed was applied instead to later fees that I had no knowledge of. 

I believe it is inherently unfair to the consumer to report a 30-day-late payment to the Credit Reporting Agencies when the reason for the payment being late is that the payment was unexpectedly allocated to a more recent charge on the account ( the late and NSF fees generated by my clerical error ).
Further exacerbating this, I was given no notice of said fees until well after it was too late to avoid the 30-day-late status. I paid said fees immediately upon notice.
Consumer complaint received 2021-08-08
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. (TX)

XXXX, TransUnion, and XXXX continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!
Consumer complaint received 2021-03-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (OR)

I recently refinanced with freedom mortgage and today received the first mortgage statement. The amount due is {$2600.00}. The interest rate is shown as 3.25 %. When I talked on the phone the rate agreed on was 2.25 %. Also I was to skip XXXX and XXXX payments. New Payments are listed as {$1300.00} and a overdue payment for {$1300.00} is listed this would be for XXXX. Both the interest and the XXXX payment are incorrect, I have not been able to look at what I signed from all the emails. 
The outstanding principal on the statement is {$240000.00} with an deferred balance of {$7900.00} and the interest rate of 3.25 %. This rate I first agreed on is 2.25 %.
Consumer complaint received 2021-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TRANSUNION, LLC attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. Since early XXXX, Ive been disputing the bureaus against their accusations of alleged debts. As I tackled my report, several items were " removed '' which is a violation of Federal law thus proving their guilt. Those same items which were deleted, verified or removed were thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as Federally Protected Consumer, the Original Creditor, Natural person.
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

On XX/XX/2020 I was in the process of looking for a XXXX refinance for my VA loan. I found Freedom Mortgage online and submitted my interest in applying for a IRRRL. There website seemed thorough. Within ten minutes I received a phone call back from a gentleman named XXXX XXXX, from Freedom Mortgage. He said he was in the business for 20 years and could help me if my credit score was above XXXX. I said it was. He proceeded to ask me questions such as : What was my home valued at? How much do I owe? He proceeded to calculate how many years I had left to pay '' 27.92 years '' was his response.He wanted to know my homeowners insurance company and the cost per month, as well as my annual taxes and " are they paid in my mortgage and when do I pay for them. '' What is my yearly income? He explained that there will be a {$950.00} funding fee since we did not have a rating on my husbands XXXX. He told me I would not have to bring any money to the closing table and it should take about 30 days to process. There would be no appraisal. My percentage rate would be 2.99. He pulled a soft credit and I have received the report. The problem is when I checked in with him about a week later, he said he was no longer with Freedom Mortgage. He had a sad story that he was pulled from doing loans and I asked what happened with my loan and there was nothing. He gave me a name of someone else at Freedom Mortgage and when I called her she was driving and thought I wanted a job with Freedom  Mortgage. Come to find out she does not do loans but is a recruiter. I was truly hoping to refinance so I it would help my monthly bills. I am frustrated because I thought we completed an application over the phone with all the information I provided and getting a soft pull on my credit verified that for me. That also put a dent in my credit so when another company looks they will notice that pull. I did not want to lose the 2.99 percent for my refi. I will look for another company. But, I felt that I should make a formal complaint. I am very concerned that my  Personal information may have been jeopardized in some way and feel very vulnerable.
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (GA)

I have tried to transfer money from my PNC account to my XXXX  account and it wont let me because it said something about the bank not allowing you I dont see the point in having PNC as an option to transfer money when youre not even able to transfer any form of funds in the first place
Consumer complaint received 2021-09-14
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. (UT)

XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, XXXX XXXX  services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from XXXX XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.
Consumer complaint received 2021-07-17
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX ( Original Creditor : 01 XXXX XXXXXXXX ) Account Number : XXXX Reason : Unverified account
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-04-05
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. (WI)

My XXXX XXXX XXXX XXXX is reporting to credit bureau saying that I was 30 days past due back in XXXX of XXXX. I have bank account statements saying I paid the monthly bill in full in XXXX of XXXX. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. XXXX has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX  XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau 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 states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and capital one do not want abide by the law hopefully this will make my credit report accurate.