davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I have been using PayPal for more than three years to receive payments of services which I offer to my client.On XXXX XX/XX/2019, PayPal permanently blocked me using their services and also held my funds.After their said 180 days elapsed they sent me an email indicating I can withdraw my funds.The problem started when I tried withdrawing my money with no breakthrough. I sent them direct messages which I can share with you if need be.I tried their XXXX handle with no help.I kindly ask you help me get my funds from PayPal.Thank you
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX OF XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (TX)

I am a XXXX patient, and an XXXX XXXX, XXXX, XXXX XXXX Veteran. I am in XXXX treatment. I got behind but was in contact with the company, and have resumed full payments. I have asked for a complete audit of my account and have been waiting for a call for 6 months. They would call up to 11 times a day, and email me 5 or six times a day. Now for some reason I can't get the information I have been requesting. I was told they sent an email XX/XX/2020, at XXXX, XXXX, CST. I have not received that information as of yet. When they were emailing me harassing me and doing the same up to 11 times daily I received all of those emails and calls
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2021 Citizens Bank called my 4 times unless then an hours. I spoke to them once told them I would pay them when I had the money! That did not sit will with them!!! I have ask for help from this company for 5 months now and they offer no help. They just put your bill up and thing thats ok!!! Im sick of the harassment when I am unemployed and doing the best I can!!
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ID Analytics, Inc. (TN)

I applied on XX/XX/2019 for a XXXX XXXX Visa card and I was denied via letter on XX/XX/201. Letter stated : Too few Bankcard accounts - I have 2 XXXX and XXXX XXXX XXXX Date of issuance of applicant 's ssn does not match date of ssn of peers. ( I have no idea what the heck this even means! ) Not enough Credit Experience - I have over 30 yrs credit. XXXX, XXXX, XXXX XXXX, and A XXXX Mastercard which they just switched from a XXXX Visa Too few revolving accounts - 1 have 4 XXXX, XXXX, XXXX, XXXX XXXX Your Credit Score : XXXX My credit score is XXXX! 

I have called Sagestream LLC XXXX XXXX different times one of which was again today! They do not return my calls. I have left messages that their credit reporting info in order to get the XXXX visa card is incorrect and they will not return my calls. 

I filled out another application on XX/XX/XXXX after I sent them an email telling them that what they reported to XXXX was incorrect and the 2nd app was also denied!. I called XXXX directly and they could not help.
Consumer complaint received 2020-05-14
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 reason for my dispute is because of several unrecognized fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX .I never lived at the follow addresses they are fraudulent : XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID in the past and I am trying to purchase a new home and this is a huge issue that is holding me up! I use to live in XXXX 10 years ago I have been in XXXX XXXX since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. 
Please have them remove/delete the collection accounts immediately. 
I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2021-08-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT AND INQUIRY WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). XXXX  HAS NEGLECTED TO HONOR MY REQUEST TO DELETE THESE ACCOUNTS AND INQUIRIES THAT ARE A RESULT OF IDENTITY THEFT AND BY LAW ARE REQUIRED TO PAY ACTUAL DAMAGES. I WILL TAKE ALL LEGAL ACTION, PLEASE APPLY 15 U.S. Code 1681 TO MY CASE.
Consumer complaint received 2021-08-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I filed a dispute and experion " settled " the dispute, the answer they wrote was " verified ". XXXX credit has the wrong address and Ido not know who this company is, Experian also put an address on my credit report and I do not live at this address. The adress is XXXX XXXX XXXX XXXX, I do not live at this address, experian refuses to remove the address. I disputed a company by the name of XXXX banking and experian says " verified ". I dont know who this company is. Experian will not give me any inforamtion. XXXX XXXX  " complaint # XXXX XXXX XXXX XXXX  # XXXX.
Consumer complaint received 2020-08-19
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo called my daughter at work today, she is a joint account holder. She works from XXXX to XXXX PST. I called the lady back and she refused to help me or talk to me. She wants to speak with my joint account holder exclusively. Also, she is very hard to understand, she does not speak XXXX very well over the phone. This is the dumbest response I have ever received. It is a joint account, so she should be able to speak to either account holder. I am not incompetent, I am just an elder person. I still have all my faculties, so there was no reason to NOT talk to me about our account. They are just trying to say they made contact when they have not. I have a case open with number XXXX. Just wanted to add to that complaint.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

After submitting verifying documents to remove fraudulent activity from my report, XXXX reinsert removed items back on my report, failing to notify me in writing that they were reinserting those items back on my credit report. 
Several items are in access of 7.8 years and other items added back to report has no supporting documentation of me signing nor entering into an agreement with creditors.
Consumer complaint received 2020-09-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.
Consumer complaint received 2018-07-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OH)

During the afternoon of Tuesday, XX/XX/2018, I was unable to cash a check at U.S.Bank, on which the check was drawn. I had valid proof of my identification. I was told by by bank teller XXXX XXXX that U.S.Bank would not honor the check because I was not a bank customer. In fact, I am a customer, having two credit card accounts with U.S.Bank. She said that only if I paid a {$7.00} NON-CUSTOMER fee, would she cash it. I asked to speak to the branch manager. I was told that XXXX XXXX was the branch manager, which was a LIE. I had to wait 15 minutes to speak to her while I could hear her gossiping on personal business on her telephone. But the bank 's HQ in MN says that XXXX XXXX is the branch manger. Why wasn't he informed about me? So, usurper XXXX XXXX repeatedly stated that to me that USBank credit card holders are NOT customers. TOTALLY ILLOGICAL! She also said that she did not know what the bank 's policy was because she was " not a lawyer ''. She NASTILY told me that she would follow XXXX 's advice and charge me a {$7.00} fee to cash their check. USBANK is abusing its national banking charter by considering customers to be non-customers. As a result of such EXTORTION, I did not get the money which the bank has and owes me. Therefore, I am 1 ) tellong the several people who give me USBank checks that in the future they must pay me in cash because of their greedy bank. 2 ) I am initiating a drive to the relevant congressional banking committees to improve current law abused by big banks. 3 ) I will begin to phase out use my two USBank credit cards and use other banks ' cards that I have. 4 ) Badmouth USBank to many, many people ( I have already started ).
Consumer complaint received 2020-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I recently sent letters over 60 days ago to this bureau and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.
Consumer complaint received 2017-08-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E MORTGAGE MANAGEMENT, LLC (PA)

I WAS TOLD BY XXXX XXXX THAT I WOULD N'T BE CHARGED FROM MY CREDIT CARD UNTIL I SIGNED AN APPROVAL. WELL OF COURSE AS SOON AS I GAVE HIM MY CREDIT CARD, I WAS CHARGED THE NEXT BUSINESS DAY. I HAD A HOME APPRAISAL DONE, I WAS TOLD BY MY AGENT THAT I NEEDED {$150000.00} APPRAISAL TO GET THIS DONE. MY LAST XXXX APPRAISALS WERE AS FOLLOW ; XXXX {$170000.00} XXXX {$170000.00} XXXX {$160000.00}. WERE IN A SELLERS MARKET, THE BEST ITS BEEN IN XXXX YRS. AND I GET LOW BALLED BY {$54000.00}? AND THIS IS AFTER I HAD MY WHOLE BATHROOM DONE, A NEW ROOF, ETC. THEY TOOK MY MONEY AND THEY KNEW I WAS NEVER GETTING A LOAN.THEY HAVE THE MAIN OFFICE IN XXXX XXXX NJ XXXX AND AN OFFICE IN XXXX NJ, XXXX.
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. (IL)

I received a correspondence from the major credit bureaus that these accounts were verified via phone, email, or fax. 
SOC SEC ADMIN OFFICE is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX US BKPT CT IL XXXX is fraudulent on my credit Account The credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
These are fraud, I didnt benefit, apply for, and authorize these accounts. Please remove them under the fair credit reporting Act of 1970 under 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: STERLING JEWELERS, INC. (OH)

My husband and myself have a credit card with Jareds Jewelers. We have been unable to make our payments and my husband is in the process of filing bankruptcy. We owe a small amount nothing major but Jared 's is refusing to work with us. We are getting calls 3 times a day from them my husband has explained out situation but to no avail we keep receiving harassing calls and they are now threatening us. My husband received a call this morning XXXX XXXX, 2017. My husband stated to the rep that he was unable to talk he was at work, the rep said to him your gon na talk to me now! They keep telling my husband he needs to take the merchandise we purchased back to the store. They are using foul language and are not willing to work with us even with explaining our situation. I do understand they are debt collectors but I believe if they were treating people with a little more respect they may get somewhere.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX, I wanted to complete an online withdrawal from my account, not getting access to this account for quite some time I could not remember my credentials. So I called ALLy, After answering every question that the ALLY asked me and being on hold for 30 minutes I finally remembered my access and completed the transfer on line. I then received an email from ALLY confirming my transfer. At XXXX I received an email that my transfer was suspended, I called ALLY in the XXXX to inquire why it was suspended. They stated I did not have enough funds, which was then proven wrong and then they stated a Rep suspended because I did not answer all her questions on the phone. I answered every question that was asked of me in a timely and complete manner. Now they are telling me that I have to make this transfer all over again. They screwed up transfer, kept me on hold for over an 1 hour of my time and then they make me a victim to start the process all over again. They and it states on the email, that they " temporarily suspended '' the transfer, so they should easily remove the suspension and complete my transfer. They refuse.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received an alert in XX/XX/XXXX about a fraud acct with Capital One. I contacted the company and disputed the acct. It was not resolved. I had my monitoring service send in a complete fraud packet with POA. They called several times to get this resolved and they refused to speak with anyone but the account hold. We conferenced the company today, XX/XX/21 after four previous conversations. Capital One was able to verify the package had been received, stated the acct showed closed, but refused to clarify when it was closed or if it was closed as fraud. They put us on hold for more than 25 minutes to " investigate '' and never came back. I'm concerned they are trying to sell my fraudulent account, due to their stall tactics, before resolving it as fraud. I want the account closed as fraud and a letter sent to me. 


ACCT ALERT XXXX Available Date XXXX Processed Date XXXX Freeze false Account Activity New Account Alert Type New Account Account Balance XXXX Account Number XXXX Payment Status Current Creditor Name CAPITAL ONE BANK USA NA Creditor Preferred Contact Other Address XXXX XXXX XXXX XXXX City XXXX XXXX XXXX State UT Zip XXXX Industry Type Bank Credit Cards
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

on XX/XX/XXXX I contacted Equifax Credit bureau after having being notified through XXXX XXXX credit monitoring app I use, that information was sold on the back market, so Immediately I reviewed my credit report & saw inquiries from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did n't authorize. I was told to contact the creditors and I was informed by them to contact The credit bureau since it was a fraud matter & have them investigate it, so I contacted Equifax again and was told they would need a police report to investigate it, so on Friday XX/XX/XXXX I filed the report and faxed it into Equifax in hopes that this would get this matter finally resolved, I then called them on Tuesday XX/XX/XXXX to insure they received it and I was told they receive the report and would be investigating the inquiries, so I did n't feel the need to mail it in, given all the back and forth, I was feeling a little leery, so I called back Thursday XX/XX/XXXX  and was told they did n't receive the report.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 my car was broken into and my debit card, license and other materialistic things were stolen. The person who stole my debit card proceed to go to a XXXX XXXX located in XXXX XXXX, XXXX The transaction ran as credit and the purchased was authorized for XXXX dollars. I called my bank ( Wells Fargo ) and asked for it to be disputed and to get my money in return since I did not authorize this transaction. The bank opened a claim and closed the case and denied it twice. The bank told me since it was a debit card they cant help me. Although I had video surveillance of my car getting broken into and a police report, the bank still refused to give me my money back. They told me to go to the store they made the transaction at and the manager told me to go to my bank that they should be able to fix the problem. I called their customer service line and the same thing they said to go to my bank. I text the service line, once again Im told to go to my bank. Both parties are not helping me out when I have proof of everything
Consumer complaint received 2021-02-21
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. (CO)

XXXX XXXX XXXX XXXX is refusing to allow my ex husband to do an assumption to remove me from the mortgage on a house we used to own together. Per our divorce decree he is the only one that is financially responsible for the house and XXXX XXXX is not allowing him to to remove me. 

This is the same as my former 4 complaints however I just received the proof that he has been trying to do an assumption ( which what XXXX XXXX says he needs to do to remove me ) but they will not let him.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

IC system XXXX XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the amount of {$810.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (CA)

In accordance to the Fair Credit Reporting Act these two companies have violated my rights ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 SECTION 602A states I have the right to privacy.

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instructions