davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MO)

I am in a forbearance period and with my VA loan I am to be allowed 18 months of forebearance as per CFCB PNC bank wants to end this the end of XXXX I need to have my full 18 months ( end XX/XX/XXXX ) to finish the work we are performing on our home to be able to sell it. They are refusing to grant me my last month of XXXX forbearance. I was never late on a payment until COVID hit snd I lost my job. We just need these additional 4 weeks in XXXX. 
Please grant me my full 18 months as VA states I qualify for.Our home has plenty of equity. We are in our late XXXX and need the extra monies that will come from the sale of our home for retirement.
Consumer complaint received 2022-08-24
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. (SC)

Company is breaking federal law 15Usc1681e ( b ) assured that I'm due and promised an accurate credit report. They are reporting inaccurate, fraudulent information and intentionally being negligent in the remedy of my affairs. I have sent in all required documents requested by the company on XX/XX/2022 and they have failed to respond to my correspondence within the 30 day timeframe.
Consumer complaint received 2022-08-19
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. (AZ)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TX)

I received an email from Dicover requesting me to sign something so they can retrieve my tax records or my account would be suspended. I signed it a few days ago, then today XX/XX/22 I try to use my card and it was declined. I have just paid off this card and now I can't even use it, also perfect payment history on it, always paid more than the minimum and never late. Not to mention, my last years taxes have nothing to do with my current wage now. I called today and they wouldn't provide me with any detail as to why I'm being punished for being a good customer. They said that it is discover that requests this, but they wait on the irs that could take up to 3 weeks. I asked what if I used all my money to pay this card off, and was going to continue using it? " Oh I'm really sorry, I understand your frustration. '' No you don't because I've worked so hard on fixing my credit and now discover is playing games with the bills I have autopay set up with.
Consumer complaint received 2021-04-13
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be. i have not been able to get help and them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2019-07-08
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: EQUIFAX, INC. (NJ)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I have reached out to the FTC and my local police. I need this items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. lnquiries : XXXX XXXX, XXXX. Im doing this on my own behalf.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (NV)

This is XXXX XXXX, who is submitting this XXXX complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Consumer complaint received 2021-12-01
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: Lending Club Corp (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.
Consumer complaint received 2019-07-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have disputed items with Equifax back on XX/XX/2019 and they have failed to respond. I have also sent them a notice that they failed to respond and they have ignore my request to dispute items that are reporting on my credit reports
Consumer complaint received 2022-08-13
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. (MA)

XXXXXXXX XXXX XXXX  XXXX - FRAUD! Not done by me. Disputed multiple times, dispute is done within a week stating its accurate. 
WRONG CREDIT SCORE pulled from Equifax multiple weeks in a row while APPLYING FOR A MORTGAGE!
Consumer complaint received 2020-10-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (OH)

I took out a loan with them and was paying it back with automatic withdrawals, my hours were reduced due to the pandemic which i advised them of in writing. I NEVER received a copy of the original loan agreement even though I called several times asking for a copy of it. Now I received notification from my HR department my account was sent for wage garnishment in the amount of {$1900.00} which the last statement I received states a balance of {$1300.00}. The garnishment or the collection attempts were not filed in court. and I was never given the opportunity to dispute the garnishment or settle the debt accordingly. I never received any documentation from the collection company at all! When I call the collection agency all they keep telling me is to refer to the signed loan agreement which I do not have! and they will not even allow me to dispute or settle the debt with a payment plan. They are demanding the entire {$1900.00} in full!
Consumer complaint received 2022-08-13
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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (TX)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX REFER # XXXX XXXX XXXX XXXX I WAS TOLD THAT THE CARD SHOW XXXX BALANCE ON MY CREDIT CARD. AS OF TODAY STILL AFTER 45 DAYS SHOWS A BALANCE ON THE CREDIT REPORT. PAYMENT OF {$2700.00} ON XX/XX/2022 WAS SENT TO BARCLAYS CREDIT CARD AND ACCT PAID OFF. AS OF TODAY STILL SHOWS THAT I OWE THAT BALANCE.
Consumer complaint received 2021-12-01
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: U.S. BANCORP (SD)

On XX/XX/21, I submitted a fraud claim for transactions on my credit card that I did not authorize. I received communication from XXXX Services that they are providing provisional credit and researching the claim in a letter dated XX/XX/21. I also received a letter dated XX/XX/21 that my fraud claim has been denied and I am responsible to pay for the transactions. The reason given to me for denying the fraud claim was that the transactions were conducted using a chip. I have a card and my son has a card and neither of us have lost our cards. I am only asking that the fraudulent charges be removed from my account and be reimbursed for my payment of these charges.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I sold a piece of equipment on XXXX on XX/XX/2020 for {$5000.00} ( included shipping ) And we used paypal. When The money came to my paypal the buyer tried to file a dispute. The dispute was settled by paypal in my favor. I now have $ XXXXUSD in my PAYPAL account that is ( available ) but i can not do anything with the money i want to withdraw it into my personal bank account but Paypal has permanently limited my account and they are saying they can hold my money for 180 days. The reason for holding the money is in case of any charge backs. Well the customer already tried to do a charge back and was unsuccessful so now PayPal is just holding on to my money for no reason. Please Help Desperate for my money.
Consumer complaint received 2022-08-13
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: EQUIFAX, INC. (NC)

There are multiple inquiries displayed on my personal consumer credit report that I did not authorize. Also my credit score is reflecting incorrectly on my credit report. Timeframe is from XXXX
Consumer complaint received 2022-08-13
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. (MO)

On XXXX XXXX, I called Equifax to submit a dispute. The Equifax employee took my information, listened to my dispute, then she put me on hold, and never came back to the phone call. Eventually my call was transferred to leave feedback as though the call was over. So I am writing to you and I wrote a dispute to Equifax on XX/XX/XXXX.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than 147 million individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XXXX  for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business.
Consumer complaint received 2018-12-24
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. (FL)

I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. XXXX   and XXXX both sent me results without documentation saying that the accounts meet FCRA requirements. Equifax sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

Recently, I received copies of my consumer report and noticed many discrepancies with my personal information. I attempted at least twice ( XX/XX/XXXX, XX/XX/XXXX ) to address this matter with each credit reporting agency, but to no avail. My report continues to show incorrect outdated addressees, outdated telephone numbers no longer in use, inaccurate outdated employment history. It is imperative that my personal information be correct and updated to reflect my current address, telephone number and employment.
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (WA)

On XX/XX/XXXX, I submitted a query through XXXX XXXX for a cash out refinance. The first lender I spoke to was Supreme Lending who offered one of the lowest rates and also noted I would not need an appraisal, which was part of the reason I chose to work with them. I told the loan officer if they could match the lower rate that came through with another lender I would refinance with Supreme. After a day, he confirmed I would get the lower rate ( though he did not mention I had to buy down to that rate until a later time ). 

On XX/XX/XXXX, the loan officer emailed saying we didnt get approval not to do an appraisal. This was the first time it was mentioned no appraisal would require an approval. In that email, he also told me we would get the fee waived and if not hed make up for it. I paid {$720.00} for an appraisal that took place on XX/XX/XXXX. 

On XX/XX/XXXX, the loan officer told me to make up for the issues with no waiver my first payment would be pushed to XXXX instead of XXXX. He explained this would happen via a refund check through over payment of my old mortgage. 

I closed on XX/XX/XXXX and he assured me that morning prior to signing that Id receive a refund check covering my first full payment long before my due date in XXXX. 

On XX/XX/XXXX, I had no check and emailed asking the loan XXXX the status of my refund check since I received notice Supreme had already sold my mortgage. He called and stated I needed to wait until 3 full weeks from funding had passed and that would be XX/XX/XXXX. 

As of XX/XX/XXXX I still had no check. I emailed again. He told me he was out of office but looking into it the next day when he returned. 

On XX/XX/XXXX, he called to say he was escalating it and would update me the next day. On XX/XX/XXXX, I emailed asking for an update since I had not heard any update. I received no response and emailed again on XX/XX/XXXX letting him know I would be reporting and escalating the issue myself if not resolved before the XX/XX/XXXX holiday. 

After all the communication of the past two months ensuring me things would be handled, the loan officer then told me on XX/XX/XXXX, the day my first payment was due, that Supreme had to pay more for my old mortgage because the former mortgage company increased the pay off amount and there was no overage to provide me a refund That was not true as they actually decreased the pay off amount originally provided and confirmed that when I called them on XX/XX/XXXX. 

I emailed the loan officer the exact summary above on XX/XX/XXXX. He replied that he'd forward my email to the " powers that be '' and has not provided any update. He has called but left no voicemail. He emailed to say to call him but provided no details. I informed him he could provide an update via email. He has not done so. 

The entire experience and misleading information around not needing an appraisal and then assuring I'd be made whole is deceptive practice by Supreme Lending to obtain business.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/2022, I was contacted on XXXX XXXX regarding some textbooks I was selling. The individual ( who deleted all of their account information ) asked to send me funds through XXXX, which I have never used before. I never received the funds, and they told me that their money ( {$180.00} ) was being held by XXXX because they selected the recipient ( me ) as being a business and told me I needed to send {$300.00} to a XXXX team member ( " XXXX XXXX '' ) in order to expand my business account limit. They told me that XXXX would give me all the money back ( {$180.00} + {$300.00} ). I got an email ( which I no longer have ) from " XXXX '' with instructions to send to them the money and I sent it to " XXXX. '' Afterwards, I got another email ( which I still have and is attached ) asking for the final process of expanding my business account, which was sending {$500.00}. I told the person that this was a scam and that you should never send money to anyone to open an account. They deleted all of their information and I was unable to settle the issue with the person. Requested a dispute of the transaction through my bank, USAA, and they denied the claim.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

I was previously employed with XXXX from XXXX, and after my separation from the company I decided to pay some credit cards off, with my XXXX credit card being one. I paid it off on XX/XX/19 to help my credit score, and eliminate a monthly payment. Today, XX/XX/19, I was looking over my accounts as I do regularly, and I noticed that my XXXX account showed a {$0.00} balance, but there was no available credit, so I called the number on the back of my card. I spoke with a representative, and they said my account was closed because of my credit report. One, I didnt request a limit increase, so why were they running my credit without my consent? Two, I made all of my payments on time, so I wasnt a bad or irresponsible customer. Three, my credit score increased due to paying off the cards that I did. I need a good explanation as to why they shut my account down, hurting my credit score, because from where I sit I feel I am being retaliated against for separating from the company.
Consumer complaint received 2022-08-13
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. (GA)

This is my multiple attempt to tell you that I am a victim of identity theft and I complaint to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the not worthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX Balance : {$0.00} DOE XXXX XXXX Balance : $ XXXXDOE XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXXXXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX XXXX  I fell into the hands of a scammer named XXXX XXXX ( the scammer ). It started out that I got an scam email about an order that was placed with XXXX. He told me he will will refund me the money by putting his server in my computer. I was told that first they will refund me {$150.00} if it goes through they will refund the rest. My mistake it was refunded {$15000.00}, but in realty it was transferred from my Savings Account to my Checking Account. He asked me to wire back {$1400.00}, the next day he claim they didn't get because their bank didn't allow such a large amount. So I should wire {$10000.00} and the {$4000.00} will be a payment to an XXXX world country. Then they claim that I signed in to my online banking so it transferred another {$150.00}, so a should pay it back by getting a gift card. By than I realized I got into scammers hands so I refused. In total I gave them {$28000.00} ( plus {$70.00} for the wire fees ) A week later they still claimed the I owe them {$150.00} then I disconnected with them.