davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (GA)

Im making a claim against US Bank. 
On XX/XX/2022 I called my lending institution XXXX XXXX to find out why 4 of my recent payments had been returned or stopped to my credit card company US Bank. XXXX XXXX said the funds were available on the day I made payments to USBank on all 4 occasions. I asked why they stopped the payments and they said it was done on US Banks side, that they did not do it. Then yesterday I made made 1 payment and was charged 3 times for amount I was paying by clicking the payment button 3 times for the amount 3 separate times in a 10 min window. I called US bank and the customer service rep XXXX said she was sorry but all three payments would be posted to my bank account and if they didnt clear I would have to pay the returned payment fee, the extra interest and more. Then said she was sorry. I would like someone to help me with this. I am very careful with my credit cards and believe I am being scammed by US Bank and their app technology and more.
Consumer complaint received 2023-04-08
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 (FL)

Dear CFPB Support Team, I am writing to appeal the ban on my PayPal account, which has been active for the past 9 years without any disputes, chargebacks, or warnings. My account, which is fully verified with all my information, was banned suddenly and without any warning or discussion. As a long-term PayPal user XXXX I rely on this account for my daily bill payments, and I feel that this ban is unfair and unwarranted. 

I am willing to provide any necessary documentation to validate my transactions and to address any concerns that may have arisen. I believe that my account has been wrongfully banned, and I am requesting your assistance in getting it reinstated as soon as possible. 

I appreciate your attention to this matter and your prompt response in resolving this issue. Please let me know if there is any additional information I can provide to help expedite this process. 

My PayPal account email is XXXX Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-30
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account 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 instructions. 


XXXX XXXX $ XXXX XXXX XXXX {$750.00}. XX/XX/XXXX XXXX  XXXX. {$1400.00}. XX/XX/XXXX XXXX XXXX XXXX. {$1800.00}. XX/XX/XXXX
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

Around XX/XX/XXXX, I requested an security freeze for my child from Equifax using this form : https : //assets.equifax.com/assets/personal/Minor_Freeze_Request_Form.pdf I mailed the completed form and the required documentation to this address : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX That address is listed on the form itself and on this page on Equifax 's website : https : //www.equifax.com/personal/education/identity-theft/freezing-your-childs-credit-report-faq/ On XX/XX/XXXX, I had not received any response from Equifax. I called Equifax to ask whether they had received the request. I was worried because the request contained sensitive documents for both my child and me. I was told that the address listed on the form and the website does not accept requests for child security freezes. I was told that requests for child security freezes that are sent to that address are destroyed without being processed. This seemed difficult to believe, but Equifax 's phone support team confirmed it several times : if you send Equifax 's form to the address that the form says to use, an Equifax employee will open it up, shred it without processing it, and send no reply. 

The XXXX. XXXX XXXX address is still listed on the Equifax website as of XX/XX/XXXX. I was unable to find any other mailing address for requesting a child security freeze on the Equifax website. This effectively makes it impossible for parents to freeze their child 's credit report through Equifax.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I had checks and my ATM stolen from my home from a care worker hired when I was recovering from an accident. I filed a fraudulent complaint with Suntrust - One month later they merged with Truist - The original complaint was lost - I refiled - A month later they denied the claim saying I filed too late- I refiled- They denied again from the same issue- I refiled again in XXXX and have not heard back from them. The person was arrested and is in jail awaiting trial. I feel I am owed my money back. They allowed her to continue to write checks after I reported and to use my ATM card - They did not closed my account and issue me a new number. This occurred in the XXXX Florida area Please let me know if you can help to facilitate this lack of respone and help on the part of Truist
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-11-08
Product: Credit reporting 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. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-07-20
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$4.00}
Consumer complaint received 2022-09-20
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I recently sent a letter to XXXX XXXX asking them to send me the accounting that was used on my closed account that they are marking as charged of on XXXX, XXXX, and Experian. They marked the account charged off in XXXXXXXX XXXX XXXXXXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. XXXX XXXXXXXX did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that XXXX XXXX comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If XXXX XXXX doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Finance (CA)

I recently purchased XXXX x {$100.00} XXXX gift cards, and XXXX x {$500.00} XXXX XXXX gift cards, locally at a XXXX affiliate XXXX 's store. Each of these gift cards were tampered with and compromised- which was immediately obvious only after purchasing and opening the packaging, as the cards were dirty and covered in glue and tape. None of the cards contained any value whatsoever, even though I scanned them at the register and paid for them, and the receipt shows that they were activated. Since the store policy is that all gift card sales are final, they advised me to contact XXXX corporate and submit claims to Blackhawk. I subsequently filed cases and they have refused to return my money, stating Blackhawk has denied the claim. Please reference the following XXXX case numbers : XXXX, XXXX, XXXX.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You are breaking multiple laws in regard to my consumer report.

The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. ()

This is the email I sent but they have chose to ignore me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear Experian Credit corp While reviewing my personal credit report no XXXX I noticed some inaccuracies In the public records in the public area of my file I am requesting a investigation be conducted and verify that the information on record XXXX is correct.

I believe this may be a error because these do not belong to. Please verify and amend these mistakes and send me a updated credit report reflecting the accurate information. Thank you for your time XXXX XXXX
Consumer complaint received 2020-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

My family and I have been loyal customers for over 50 years of the above noted bank. I have inquired about a competitive interest rate and have not been provided one despite my loyalty. The Feds are involved with interest rates but banks do have the power to offer competitive rates. Also, when I spoke with XXXX and Mrs. XXXX with Wells Fargo they indicated if I closed my account my deposit would be mailed via usps. This is unacceptable as I would be concerned that my money would be lost in transit. It appeared that XXXX/XXXX XXXX or overnight options were not available. This bank has a history of nefarious behavior.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with The Fair Credit Reporting ActThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account names and numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST (TX)

I have a loan with Bank of the West and am in the process of selling my house to payoff the loan. In the payoff statement, Bank of the West charged me a late fee of {$670.00} when I have not been late at all. I called their mortgage customer service line, and the customer rep, XXXX, assisted my call on XX/XX/XXXX at XXXX CST. He confirmed that my loan is on the deferred program until XX/XX/XXXX and there is no late fee charge on my account. He said, they couldn't change my payoff statement and ask that I pay the late fee and get reimbursed after the close of escrow. 

Why would anyone pay a fee that he/she did not incur? Requested to speak with their supervisor and manager, and was placed on hold for over 20 minutes. After that, I was transferred to his voicemail, XXXX XXXX. 

Customer should not be asked to pay for a fee that he/she is not incur. I am infuriated by this treatment and am filing a compliant against Bank of West for improper charge of late fee against their customer.
Consumer complaint received 2024-11-30
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: Experian Information Solutions Inc. (GA)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I informed Portfolio Recovery Associates that the information on file was inaccurate via the dispute process through the main credit reporting agencies. I was informed the reporting was accurate by all three major credit bureaus. I requested a method of verification from within my dispute, in which I was informed my request was frivolous. 

However Portfolio Recovery Associates sent via mail a letter that would be considered the initial form of communication. The initial form of communication did not contain the necessary Mini-Miranda that would allow for me to dispute the debt with Portfolio Recovery Associates directly. 

not only did portfolio recovery associates disregard my rights, they continually report an inaccurate/ incomplete file which they state is complete
Consumer complaint received 2022-09-20
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. (MD)

This is not a duplicate complaint. I filed a complaint in regards to my XXXX XXXX XXXX XXXX ending # XXXX not a XXXX XXXX account handled by XXXX. To date my complaint in regards To the XXXX XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, XXXX, TransUnion and XXXX, XXXX for refusing to report my XXXX XXXX XXXX card ending account # XXXX. In my complaint I did not say XXXX XXXX credit card handled by XXXX I specifically wrote in my complaint that XXXX is refusing on report XXXX XXXX XXXX card ending account # XXXX. 

Instead of XXXX properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my XXXX XXXX XXXX card, XXXX used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my TransUnion, XXXX and XXXX credit report and noticed they are inaccurately reporting my XXXX XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted XXXX or the three credit bureaus and disputed XXXX XXXX XXXX card ending account # XXXX line of credit. In addition, TransUnion/XXXX  refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold XXXX/TransUnion accountable. 

I want CFPB to investigate XXXX fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by XXXX. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.