davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

Had XXXX XXXX  in my account and cashed a check to pay phone bill. Let them know I did not use this account anymore and wanted to close it on XX/XX/2019 at XXXX XXXX PNC Bank. Let them know I didnt need it because I am a student and still dont have a job with incoming income. They tried to get me to sit down and sign up a free student account but I did not need it because I have a school account. I called today both branch and corporate only to find out my account was not closed and had encountered two service charges putting me negative. I started this account thru a construction job that paid XXXX XXXX an hr XXXX a moth deposit. A woman hit me with her car after a year and took me out of work for a year. I had no income and wasnt being charged a service fee ever. I could never go back to swinging a hammer because of my back but am in school at the college of XXXX XXXX  as we speak full time. I am a XXXX yr old with XXXX XXXX yr old and a spouse who is XXXX with my XXXX child. We receive XXXX XXXX a month in food stamps and have no income coming in at least until I graduate. I plan on going XXXX in the XXXX XXXX for construction management. This is just a temporary bump in the road and I thought this would be the best way to get my case officially recorded. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (CA)

Starting Monday XX/XX/year> Attempted to initiate wire, transfer to domestic escrow account to close on house.

Their website did not appear to be working properly. I spoke to customer service who advised I walk through the process which I then completed.

They verify that they received the transfer request and that it would be submitted to the department and I would receive a callback that day with any questions. This was completed at approximately XXXX XXXX  well before XXXX  Pacific standard time cut off for same day wire. 

I received no phone call and then checked back the next day when it did not go through. They said that it was created, but there was an issue on their end and it did not complete and they asked that I send in a paper form. This was after I had called earlier in the day to ask for guidance and was told that it was still in process and that they would get back to me. I sent the paper form along with my identification and the name on my account and my ID did not match as I changed it due to marriage. I asked if that was going to be a problem they said no. I advise that I have a marriage certificate and ID if needed. They said it would be fine and that they would process it.

It was not processed I called back again the next day Wednesday, XX/XX/XXXX the

day that we were supposed to close our escrow I informed them that this absolutely must go in. I was then called back and advised that the name difference would create an issue and that I should submit a transfer request online.. them. I have no confidence in that as Ive already attempted that XXXX  was promised callbacks, which never occurred was promised that it was escalated by multiple customer service reps in each case, never resulted in the wire being completed.

I came up with a solution of offering my wife to send the manual wire request form because her ID would match the account. I took her name in marriage. The person advised that that would work and I got it before they cut off at XXXX  Pacific standard time. I called customer service who informed me that they would speak with the wire department. I was on hold for approximately XXXX minutes and they came back and confirmed that everything was correct and that the wire would go out that day. 


The wire did not go out it still shows only as requested in their system. it has been XXXX business days from the initial wire transfer request which is supposed to be fulfilled same day. as a result escrow closure is now delayed with unknown repercussions to the fast purchase of the home.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7000.00}, {$5600.00}, {$3000.00}, {$2700.00}, {$3700.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXXXXXX, XXXX with a balance of {$2700.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2017-11-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (WA)

I filed a complain with IMPAC MORTGAGE COMPANY and until today I still not receive from them the disclosere of why I was XXXX know its a state law to provide me in 3 days those discloseres..Today is the XXXX of XXXX and I still not receive the documents.I was refused on the XXXX XXXX XXXXBecause of the stress that this company put us true ( see complainXXXX ) my wife has a XXXX XXXX XXXX and because of the intense stress that IMPAC MORTGAGE done to us we XXXX XXXX XXXX.Is not normal to do things like that to people.With no reason they are declining loans.Until today no answers why.I think this is discrimination.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (SC)

Lost my phone with my bank apps and my wallet in late XXXX. Ended up getting my things back but I recently checked my credit report and noticed some inquiries that I have no knowledge of so I would like them to be removed immediately. Thank you. The inquires are as followed XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX bank XXXX - XX/XX/XXXX XXXX XXXXXXXX bank XXXX  - XX/XX/XXXX XXXX XXXXXXXX bank XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This was reported inaccurate and needs to be deleted from my credit report!. It was reported to XXXX date closed XXXX and Transunion it has a different date of XX/XX/2016 a clear violation of my rights accordingly to the fair reporting act delete immediately from my Transunion XXXX and XXXX report thank you
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX, I was alerted of multiple hard credit inquiries from XXXX and Capital One. These were unauthorized inquiries, as I did not apply for credit, products, or services from either creditor. I immediately contacted both creditors for suspected fraud/ID theft. XXXX confirmed the fraudulent activity, and advised that any pending applications have been closed and that Id receive confirmation by mail. Any unauthorized hard inquiries would be resolved in approximately 90 days. I then contacted Capital Ones fraud department for resolution. I was advised that there was no record of any activity associated with my name, date of birth, or SSN. Meanwhile, both XXXX  and XXXX showed hard inquiries dated XX/XX/2020. I could not reach resolution with Capital One as they show no record of this inquiry. I was advised to dispute with the CRBs, or send a letter to them to include an account number ( which I dont have ) and other PII.
Consumer complaint received 2020-12-09
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. (MN)

The following account listed on my Experian credit report is fraudulent and I never applied for the account : XXXX XXXX XXXX XXXX XXXX, {$170.00}. The following credit inquiries listed on my credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XXXX, XX/XX/2020
Consumer complaint received 2017-09-21
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. (CA)

THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, EXPERIAN AND XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-18
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: Lending Club Corp (NY)

My rights of privacy have been breached and trespassed by this company which is a direct violation of federal law. This company is also in violation of federal law by reporting misleading information on their website without my written consent. This company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XX/XX/2020 From : XXXX XXXX XXXX, XXXX Cell # XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX To : Fraud Dept ; XXXX XXXX : Dispute Conf. # XXXX Regarding XXXX XXXX  I recently spoke with XXXX who stated that she worked in the Fraud Dept. We were discussing my concerns with having to repeatedly dispute a fraudulent claim by a collection agency who is known to have an awfully bad reputation. I have included documentation from the XXXX XXXX XXXX Profile reflecting that in the last three years this company has 448 complaints filed against them. Please understand that most people do not waste their time to file complaints. I have also included a document from a law firm showing that XXXX lost a {$38.00} XXXX lawsuit in the state of Maryland where I live for filling fraudulent claims, because they had no legal standing. 
As you can see from the Superior Court of The District of Columbia the claim that XXXX filed against me was dismissed and that the defendant has satisfied the obligation to the Plaintiff. Therefore, for this company to continue to claim that I owe them money is fraudulent. Will you please not allow XXXX to continue to violate the law. As you review the Equifax file this claim has been disputed too many times already. 

Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-02-08
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. (MI)

Please remove these inaccurate addresses as soon as possible These are not my home address. Please verify and delete these immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-18
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. (GA)

The company initially gave me a 72 month loan at $ XXXX  monthly with my first payment due XX/XX/XXXX, I made my first payment in XXXX of XXXX, a month before the payment was do instead of posting the payment to the month it was do XX/XX/XXXX, they created a payment due for XX/XX/XXXX. Then throughout my loan I been given 5 extensions or payment deferments the company has posted payments to months that were deferred. In XXXX of XXXX I made 3 payments totaling {$2100.00} the company applied all those payments to interest and posted to deferred payments which now they are saying I have two 30 day lates for months XX/XX/XXXX and XX/XX/XXXX. I had several calls within the company explaining how the posting was incorrect walking step by step with the representative they final see it, I have also talked with a member of there leadership team who found the error on his own and assured me that he would have this corrected and credits issued for late fees and etc, he also said he would be sending it over to his ASU DEPARTMENT to correct my credit report well thats where the ball drops. No one within that department will take the time to review the payments and reach out to me or the member of leadership to ask questions. Attached you will find thr transaction history
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: United Collection Bureau, Inc. (GA)

I am victim of identity theft and I am requesting for XXXX to thoroughly investigate these fraudulent accounts without using XXXX system to verify them. Your company is violating my rights and I will be filing a lawsuit against XXXX if these fraudulent accounts are not delete and removed immediately under FCRA 605B. These following accounts need to be deleted and removed immediately due to fraud and identity theft. Someone used my personal information without my permission to obtain these fraudulent accounts : 1. XXXX XXXX Account Number # : XXXX 2. XXXX XXXX XXXX Account Number # : XXXX 3. XXXX XXXX Account number # : XXXX 4. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MI)

I am a XXXX XXXX XXXX retired woman who was cleaning out a closet containing old guns and ammunition to gather funds to supplement my social security income which is my only income. I sold them through XXXX and some people paid through Paypal. All sales were conducted legally following all state and federal laws. Hindsight and an email from Paypal led me to see in the fine print of their user agreement that Paypal does not allow selling and buying of guns, gun parts, or ammunition. I immediately stopped using Paypal for my transactions. 

Paypal confiscated over {$11000.00} from my account. They say I violated their user agreement and the money was taken to compensate them for damages. I spoke with 2 different people, the second one, a supervisor told me there were no options, no way to appeal their decision and that he could not reveal my violation of user agreement. He said that each violation bore a compensation of {$2500.00} to Paypal and that I had multiple violations and the money was for damages sustained by Paypal. I asked what damages were sustained and he could not answer. 

When Paypal informed me by email that my account was frozen on XX/XX/2021, they said they would hold my funds for 180 days. They said that they would email me after that time. I never received any more communication from them. I looked at my account and on XX/XX/2021 they posted a payment to Paypal for damages cause by Acceptable Use Policy violation. Just like that! Poof! My money was gone! I can not see how any damages were incurred by such a large worldwide company. 

I feel like the penalties were excessive. I feel like Ive been robbed. The entire balance of my account, {$11000.00}, is gone. I can not find any way to speak to anyone else. When I asked this supervisor, XXXX, if there was someone else I could speak with, he said no, there was no one higher than him. Im hoping that you can help me regain at least some, if not all of my monies.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I was scammed on XX/XX/XXXX by someone claiming to be from wellsfargo bank who I bank with the scammer stated that someone was in my account stealing my money and it needed to be transferred so I did trusting the bank but it wasnt the bank it was a scammer Ive have made several claims with the bank trying to get my money returned the bank is still refusing even when I reported the fraud promptly within XXXX minutes of the scam accruing I also made a police report the same day the bank is still refusing to refund my money that was everything that I had in the bank and it was stolen Ive made several attempts to get this resolved with the bank each time with them denying the claim its been going on XXXX months now the bank is still refusing even the investigator for the bank hanging up the phone on me and being rude they bank looked into the fraud for XXXX days before closing the first time Im trying to get my money refunded Ive sent everything I have to the bank Including police reports and anything to do with the case and they are still refusing to reimburse my money I also dont know why the bank isnt trying to work with the other bank to get my money back and resolved
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (OK)

I got an email from PayPal stating im not allowed to open a PayPal Account Ever again But the issue is I dont even know why and PayPal Wont tell me the reason at all and its really Frustrating not having proper communication with this issue
Consumer complaint received 2020-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

this is in reference to complaint number XXXX. 
I sent certified dispute letters to Transunion and XXXX  on XX/XX/XXXX. I have not received any letters or any type of reply from either company. It has been much longer than 30 days you replied ; After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, PA XXXX.

this is not fixing the issue that you did not respond within the time allowed Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item
Consumer complaint received 2022-08-25
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # 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 instruction
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (SC)

I spoke with a very unprofessional fast talking representative today. He wasnt helpful at all and when I informed that I no longer wished to proceed with the credit repair process he got upset, and said that I would have to speak with my paralegal, whom I dont know nor who that is and he hung up the phone. The email address that I have for this representative is XXXX. I will be reporting this company to the media.