davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
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 (IL)

Paypal limited my account for 180 days, freezing my funds, currently more than 250 days have passed and I still have not received a response from them to recover my money, I need your help and cooperation to be able to transfer my funds to my bank account.
Consumer complaint received 2018-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2017 morning, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. I deposited a $ XXXX check to transfer money from my XXXX checking account to my Wells Fargo saving account. It took 10 mins to get done. After that, I went to the XXXX branch next to Wells Fargo branch in the same plaza. I deposited another $ XXXX check to transfer money from the same XXXX   account to my XXXX saving account. 

On XX/XX/2017, $ XXXX was deducted from my XXXX account. XXXX was great and I immediately saw the $ XXXX new money in my XXXX saving account. However, Wells Fargo was keeping holding my $ XXXX money for extra 10 days. Until ten days later, I finally saw the new money in my Wells Fargo saving account. 

During that ten days, I reached out to Wells Fargo local branch and also the corporation representatives. None of them gave me a solution. I clearly felt that they just tried to hold my money as long as possible. 

Conclusion : Wells Fargo cheated and took advantage from consumers. More importantly, I am not the only case, the same activities are still happening on my friends. I want to make this issue public so that other consumers won't be trapped by Wells Fargo.
Consumer complaint received 2024-03-08
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. (GA)

I am writing to bring to your urgent attention the severe discrepancies and inaccuracies I recently discovered upon conducting an investigation of my credit report. It has come to my dismay that several items on my report are unverifiable, invalidated, and unquestionably inaccurate. These inaccuracies have not only caused me undue stress but have also had a detrimental impact on my mental well-being.

Under the Fair Credit Reporting Act, it is imperative that all information reported on a credit report is 100 % accurate. However, upon reviewing my report, it is evident that your agency has failed to ensure the accuracy of the information being reported. This blatant disregard for accuracy is a direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I demand immediate action to rectify these egregious errors and to ensure that my credit report reflects only verifiable, validated, and accurate information. I have attached copies of all letters previously sent to your agency regarding these discrepancies for your reference. 

Please be advised that I expect prompt resolution of this matter. Failure to comply with the Fair Credit Reporting Act will result in further action being taken against your agency.
Consumer complaint received 2021-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (ID)

today XXXX I made a {$12.00} payment when I logged into my account the balance was {$1400.00} after I paid the payment my balance jumped {$1400.00} an increase of {$10.00} that now I am going to have to pay interest on! 

I bet they have charged me several hundred dollars in extra interest screwing me!! 

How can a balance jump after a payment??
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I XXXX XXXX have completed a modification request with my former mortgage servicer, XXXX XXXX, XXXX. I was in the process of getting all documentation sent to the former servicer through a third party, and an attachment of my power of attorney is hereby attached where XXXX XXXX was working with this individual. I received notification late XX/XX/XXXX that servicing was transferred to Carrington Mortgage Services , LLC . I believe that my entire file should have been transferred upon transfer. However, I have not been notified of having a loan specialist assigned to my file by Carrington. What I did receive was a formal service that my home may be foreclosed upon. As a veteran of the XXXX XXXX, I now have several medical issues I deal with daily. I had no choice but to file for a Chapter XXXX bankruptcy last year. I am now in a position to either start making mortgage payments again, but I need a line of communications open to complete the process. I do not desire to bring in any federal agency where veterans  such as myself can have their rights protected, especially under the Fair Debt Collection Practices Act. According to the XX/XX/XXXX addendum to the FDCPA, that was forced into legislation by the Consumer Financial Protection Bureau ( CFPB ), once I had a modification package submitted, I was now protected from any active foreclosure action. Therefore, I must now request that my rights be protected through the FDCPA. I must have a loan work-out specialist to my file, and all communications must be through a third-party. All foreclosure threats must cease immediately and my rights must be protected accordingly.
Consumer complaint received 2022-04-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank/Victoria 's Secret account was paid but is showing on the credit report that it is a unpaid collection/charge off on all three credit bureaus. It also reports conflicting information for the date opened and date last reported.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

I was a loyal customer of HSBC for many years, however, my account was closed without any notification recently. I received their eStatement on XX/XX/2021 and was told that the account was closed on XX/XX/2021 due to no activity. I used their mobile apps occasionally to check my balance. I also have their email confirmation that they have my correct address. 
They just closed my account without any notification and turned over my money to the state abandoned property. Their excuse is that they tried to reach me with different address. However, as I mentioned that I have proof that they have my updated address. I can not believe that a bank treating their customers like this will survive.
Consumer complaint received 2021-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (TX)

The company Safco has put incorrect information on my credit regarding a car loan that has negatively affected my credit report enabling me to get an apartment for over 2 years. The amount showing on my report is higher than balance of the loan at the time that they repossessed the car, because of this error I want this account and all records removed from my credit report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HW Holding, Inc (GA)

First & foremost, I have been going through a financial crisis since 2022. After moving to XXXX, My mailbox was broken into and my new license and credit card ( s ) were stolen. From then I knew I had to start montitoring my credit. I was using the app and everything seemed to be fine for about XXXX months. When I started to struggle, I was unable to keep up with my monthly subscriptions for my credit monitoring so I was unable to monitor what was going on with my credit for a few months. When I was finally able to start back monitoring, I noticed my credit had dropped XXXX points due to someone attempting to get cars in my name ( due to all auto inquiries ) & the thieves successfully got an apartment IN MY NAME!!! ( a collection company has been harassing me to pay them ). I just want these items removed, so I can go back to my normal life.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (TX)

These XXXX debts on my credit popped up after pandemic was lifted. For Jefferson capital system. XXXX for {$890.00} and a second for {$640.00} for XXXX? I have have called so many times and it's frustrating that they dont help. All they say, is that this is mine and i have to pay and that i have to set up a repayment plan. Its unfair how this place does business. Such fraud on their part. This is ruining my livelihood and opportunity to grow at work.
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I am not liable for this collection debt with XXXX XXXX who sold my personal info to Portfolio Recovery Associates " without my consent ''. I do not have a contract with XXXX XXXXXXXX or Portfolio Recovery Associates, I have requested & " They did not provide me with the ( original contract or application ) '' like I asked after explaining that the account was fraud. they sent me a bill not the actual contract or agreement or my consent to even forward my personal information in the first place Account number XXXX
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

Our company, XXXX XXXX is essentially writing this complaint as a last resort in an attempt to communicate with a real person at PayPal who can read and interpret written language. As you can see from the long chain of emails I have attached, the PayPal employees ( or ai ) who respond at the XXXX email apparently have a hard time reading and/or doing their job inasmuch as many of their responses have absolutely nothing to do with the email which was initially sent and others, who appear to understand what is being asked, provide responses which are not true such as the response from XXXX on XX/XX/2024 in which we received a response stating I understand that you are having a query in regards to the payment hold so I would like to inform you any payment received through goods and services the payment will be placed on hold. This subsequently turned out not to be true as our incoming payments were not placed on hold thereafter. 

Therefore, I will, again, lay out our request in a manner which is as straightforward as possible : Our company, XXXX, would like every incoming transaction to our PayPal account to be placed on hold pending the submission of tracking information. Seeing as payment holds are supposedly punitive, I dont see any reason why we shouldnt be able to get this configuration for our account. The reason we are requesting this is because we frequently have customers who put no shipping address on their invoices or incorrect and/or invalid shipping addresses on their invoices and we can not ship out orders for such invoices as we would lose seller protection in doing so. We also can not refund invoices such as these because PayPal keeps the 3 % transaction fee ( which for our orders can be hundreds or thousands of dollars ) any time we issue a refund. 

Accordingly, as weve noticed that payments which are on placed on hold pending shipping/tracking information are not subject to the nonrefundable transaction fee scam and, therefore, we want our account to be configured so that every incoming transaction, no matter the dollar amount, is placed on hold pending tracking/shipping information being submitted.
Consumer complaint received 2022-10-12
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. (NV)

On XX/XX/2022 I sent certified mail to Experian notifying them that I have been a victim of Identity Theft and there was a Fraudulent item being reported to my Experian report. On XX/XX/2022 a signature was signed and returned via mail to my current address notifying me they have received all my documents. XXXX and XXXX has blocked the Fraudulent item from my reports. being that all 3 credit bureaus get their information from the same exact source Experian is in error. Experian is in violation Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is not a duplicate complaint as Transunion keeps changing the rules of the Fair Credit Reporting ACT, see enclosed letter to Transunion that they need to answer as they have sent responses that contradict each other, as they have sent misleading letters
Consumer complaint received 2018-07-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KEYCORP (ID)

I have a student loan held by Key Bank which until recently has been serviced by XXXX XXXX. With the merger of XXXX XXXX and XXXX, management of my loan was released to XXXX XXXX. Within a month of the transition XXXX permanently raised my monthly payment without explanation or disclosure of the financial impact. I contacted XXXX for explanation of the change and full disclosure of adjusted terms of the loan. Customer service was only able to suggest that there had been an interest rate change which XXXX XXXX had for some reason chosen not to process which would now be applied by XXXX. No disclosure of the impact of this change, either monthly or in the life of the loan, was offered or provided. This is basic information. It is very clear that XXXX would prefer to raise rates without explanation and at their own discretion.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX as I was checking out my Transunion credit report I notice several inquires on my credit report that I did not authorized. Below are documention of inquries in question. 

1. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX 2.XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 3.XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 5.XXXX XXXXXXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 6.XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 7.XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers XXXX Used Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (WA)

Better mortgage has failed to issue a closing disclosure 3 days before the closing date, despite having all documents in hand well in advance. 

Attempts to reach the agent and his team via and phone were completely ignored. An assistant scheduled a callback at XXXX PT on XX/XX/2021 which XXXX XXXX did not call.
Consumer complaint received 2019-06-10
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: SYNCHRONY FINANCIAL (AZ)

An account is showing on my credit report from Synchrony XXXX XXXX that has been verified by Synchrony that this account is not mines. I disputed the accuracy of this account with XXXX, XXXX and XXXX. Immediately the account was removed from XXXX and XXXX, but XXXX just replied that the account was verified and would remain on my report. I called XXXX to try and explain that this could not be the case because Synchrony has verified I have never had an account with them. The XXXX representative just stated it would stay on my credit file because it had been verified.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I got behind on my payments. I called Chase on XX/XX/XXXX to renegotiate my payment amount. I was told that I could do that and was told my payment would change from XXXX  XXXX/month to XXXX XXXX/month. I was also told that for credit reporting purposes I would be shown as current. I understood this to mean that the late payment information would be updated and no longer show missed payments. I called back on XX/XX/2019 to find out why my credit report still showed that I was late. I was told I had to make 3 consecutive payments for this to occur. In XXXX, after having made 3 consecutive payments, the credit report still shows that I am past due by 90 days. On XX/XX/2019 I received a letter stating that my payment had not been received for XXXX when it was made and recorded on the website as of XX/XX/2019 at the new agreed upon amount. I called on XX/XX/2019 and XXXX ( employee id # XXXX ) told me she would review the call log and get back to me. She was going to research the phone log and find out why I had been told that my status would be updated and then it was not. 

On Monday XX/XX/2019 I called back again. Only the XX/XX/XXXX call was reviewed and not the XXXX call. Account still shows over {$500.00} past due and it should show as current as of XXXX as agreed. 

Additionally, Chase had a name change to JPMCB and this resulted in a 1 point drop in my credit rating. Their name change should have NO impact on my report.
Consumer complaint received 2017-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (TX)

I have contacted Alpha Recovery Corp and disputed this debt for {$1200.00}. They sent a statement on XX/XX/17 from XXXX XXXX, whom I do not have an account with. I have requested documentation of a signed agreement, payments made, and anything that can be of use to law enforcement as we investigate fraud.
Consumer complaint received 2020-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called Transunion 4 times due to an unauthorized hard inquiry on my credit report. The customer service representatives would not help remove this inquiry. The inquiry is from XXXX XXXX XXXX and was pulled on XX/XX/2020. The item in dispute should have been investigated with XXXX  XXXX XXXX or deleted which they did not do.