davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (NY)

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Consumer complaint received 2023-02-16
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)

Hello, I am writing to report that I have been the victim of identity theft, as evidenced by unauthorized inquiries on my credit report. According to 15 U.S.C 1681, credit report agencies are acting unlawfully and defaming my character by allowing these inquiries to appear on my credit report without my permission. These unauthorized inquiries have resulted in significant damage to my credit score and have made it difficult for me to apply for credit. As a result, I believe that the credit bureaus have violated my rights under the Fair Credit Reporting act, which requires that credit reporting agencies maintain accurate and up-to-date information about consumers. I urge the CFPB to take swift action to address this issue and ensure that credit reporting agencies are held accountable for their actions. I would appreciate any assistance you can provide to rectify this situation and restore my credit report to its rightful state. Thank you
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

While attempting to review my free credit reports in XX/XX/2022, I was unable to receive my Equifax report through XXXX ; I received the shown error message. Life ... got in the way, so while I continued checking every few weeks since then, it was always during a time when the call center was closed, and I always received this message. 

I was finally able to call during their hours today, and it was a horrific experience, to say the least. The person on the phone, XXXX, was incredibly rude and condescending. He repeated himself constantly, often interrupting me, that the annual credit report website being broken is not their fault and I must create an account on the Equifax website in order to access my report. 

When I shared that the website functioned just fine for my other two reports but presented the shown error message for only Equifax, I was told that, again, it's their fault, and I need an account. I stated that I was entitled to a report without making an account through their website, and he said there was nothing they could do about it. He recommended I try again later but implied I didn't have the patience to wait ( to which I responded that I've been trying for months ). 

He FINALLY asked me for my information after 15 minutes of this and then stated that no, my account is fine, not locked or anything. I asked him to then escalate the issue to the tech team, since it must not just be me, it must be their whole system. He refused. I stated that if he would not escalate the issue himself, I would like to be connected with someone who did. 

He refused my request to transfer me multiple times. When I finally did get transferred, I let the supervisor, XXXX, know that I would be reporting this issue to the CFPB. She stated that I should do that because they have no control over the problem.
Consumer complaint received 2023-02-15
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

I sent MOUNTAIN AMERICA CREDIT UNION a usps money order with stipulations and provisions on the money order stating the following I accept your offer in the amount of {$700.00} for valuable consideration & tender this payment for the complete amount in accord & satisfaction upon redeeming this instrument. 

MACU accepted my money order through the mail according to postal rules, and is not recognizing the debt paid in full. As a fiduciary holding my property in the form of my signature they are not doing their trustee duties and stating I owe the debt still, which is extortion. I placed on the money order XXXX XXXX XXXX XXXX that states a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

And if MACU doesnt accept my payment the debt is paid in full according to UCC 3-603. 
By not following or recognizing my negotiable instrument with UNIVERSAL COMMERCIAL CODES ( MACU ) is partaking in fraudulent business practices.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. ()

The Citibank Banking Products and Services Portfolio NXXXX XXXX was contracted with XXXX Citibank XXXX XXXX it was paid in full until the moment the bank client suffered a claim due to serious illness, the claim was filed on XX/XX/XXXX, it was I present the request for the Protection of the Client with Eleven ( 11 ) Clinical Histories and the coverage of the Portfolio of Banking Products and Services Citibank NXXXX XXXX : Products Covered with the Debtor Life Policy : Credit Check No.- XXXX, Coverage {>= $1,000,000}. 
TC City MasterCard N.- XXXX, Coverage {>= $1,000,000}. 
Citibank Visa Credit Card N.- XXXX. Coverage $ XXXX. 
*Total Product Coverage : $ XXXX. 

Policy XXXX XXXX XXXX, Certificate No.- XXXX, Coverage $ XXXX. 
Policy XXXX XXXX XXXX, Certificate No.- XXXX, Coverage $ XXXX. 
*Total Customer Coverage : {>= $1,000,000}. 

For Total Coverage : $ XXXX. 

XXXX Citibank XXXX XXXX and XXXX Only Paid Citibank Visa Credit Card XXXX XXXX. Coverage $ XXXX. On XX/XX/XXXX. 

Pending Payment Total Customer Coverage : {>= $1,000,000}. 
Total Product Coverage : $ XXXX. 
For Total Coverage Due : $ XXXX. 

XXXX Citbank XXXX and XXXX Abused My Fundamental Rights and My State of Defenselessness of My Wife and Minor Children in XXXX, their abuses continue XXXX, XXXX. They have the nerve to continue charging. 

It is reported that each product has an individual complaint in the CFPB, to force the individual and collective Solution of portfolio Citibank XXXX. 
Complaint ID : XXXX XXXX XXXX
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MT)

My house burned down In XX/XX/XXXX. I have US Bank as my mortgage company. I have submitted my insurance check to them and have completed all of the steps under step 1 and 2. After I completed step 1 ( I will upload all paperwork US bank has  sent me ) I was denied the first release of my 33 percent check to pay my contractor because they said I need blue prints and I would not get my check until blue prints were given to them and they were approved. No where in the paper work does it say I need blue prints. I uploaded and faxed what I had from my contractor and filed a complaint. I called US bank property loss division the next day and my first check was released. My check was sent to me. I now have completed step 2 and waited the 5 business days like I was told. I called today XX/XX/XXXX. The first person told me what I had originally uploaded wasn't sufficient and they were denying me my second check. I was put on hold and hung up on. I called back. The second person told me the same thing and said we need " more measurements. '' No where on their paper work does it say I need " more measurements '' to get my second check. I was disconnected from that call as well. Neither the first or second property loss customer service agents called me back. I called a third time. That customer service agent informed me my paperwork was just general paperwork and they do not have total loss paperwork and that it doesn't matter if I completed all the steps on the only paper work US Bank has provided me and that they will not release my second check so I can pay my contractor for my house being 50 % complete.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (WI)

I received a deposit for a XXXX XXXX loan the funds are being held until I produce documents for a different type of loan that I do not have I talk to my lender and they stated they should not be holding my funds I provided documents related to the loan I have on XX/XX/2020
Consumer complaint received 2022-08-20
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. (AL)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2020-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019 XXXX XXXX XXXXXXXX XXXX ran a hard credit report on me without my consent. It was reported on my Transunion credit report. I have asked tarnsunion to remove this inquiry because it was not authorized by me but they refuse to take a dispute. I contacted them and they told me to get a letter from XXXX XXXX  authorizing removal. When I contacted XXXX XXXX they said they had no record of me in their system.
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I extended my credit to capital in which was accepted, however was no benefit to me which is unauthorized use. My account was closed due for no reason due to first party fraud. This is an extension of my own credit, as the creditor I am invoking my specified remedy
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

We went on a vacation to the XXXX XXXX, they forged our signatures for a membership to their vacation resort. We called Comenity Capital Bank ( XXXX XXXX  ) and told them we did not approve of the charge. When we got back to the US, we received credit cards from Comenity saying we owed {$24000.00}. {$12000.00} on credit card in my name and {$12000.00} on a credit card in my husband 's name. We called the company and told them we already told them we did not approve and they reported they had no log of our phone call. We again stated we did not approve of this transaction and that it was fraud. They reported they could find no basis to support our claim.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (OR)

My wife and I have been trying to get a hold of Specialized Loan Servicing from XX/XX/2020 up to the current date XX/XX/2020 after calling and being on the phone for more than 40 minutes on with an automatic service being transferred from one place to another without being able to speak with an actual person, leaving a call back number, emails. also having a third party to contact them on XX/XX/2020 throughout the entire day no response. I have exhausted all forms in order to get a hold of them with my concerns on my mortgage I have also filed a complaint with the XXXX  on XX/XX/2020 for this matter in hopes of some type of resolution but I have not yet gotten a callback. It has been a nightmare dealing with this mortgage company.
Consumer complaint received 2020-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MD)

I wish to add to my complaint # XXXX, to which the bank answered it will research it and get back to me within 10 days. Which it did. So now begins my new compaint : 1. The bank 's new answer was they were going on with their research. This time, there was no deadline mentioned. Meaning they could research as long as they saw fit, while I have no access to my funds in these Corona days. 
2. About the transfer order I faxed the bank and they refused to execute ( see original complaint ) - since they have my signature, what's there to research? 
3. About not ID-ing me online - there are ways to ID a customer who's overseas. Here too there's no reason for indefinite " research ''. 
4. I suggested the bank write me at the adress they have on file and detail their problem. It never happened. 
5. Remembering this is the bank that opened XXXX XXXX ( or was it XXXX? ) unauthorized accounts, I hope we all wouldn't wake up one morning finding out there are millions of bank customers in my situation, their funds frozen.
Consumer complaint received 2021-04-12
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. (NJ)

I'd Really like for Equifax to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OR)

I got phone call from Caliber Home Loans on XX/XX/XXXX. 
They told me that I was due for pay for XX/XX/XXXX, and my previous loaner XXXX XXXX XXXX transfer service to Caliber on XX/XX/XXXX. 
Actually I had already payed until XXXX.But Caliber said they didn't receive it, and asked me to called XXXX XXXX XXXX to make sure the transfer. 
When I called XXXX XXXX XXXX, and they told me the service had already transfer .But XXXX XXXX XXXX confirmed I payed it already and payment due date is XXXX.I requested document for payment history, statements and bank transfer history, and upload to Caliber website, but Caliber 's manager doesn't want to help me and still told me They will not use my documents to change  anything.And Caliber asked to call XXXX XXXX XXXX to FAX them.But now they still said it's not their problem and push to XXXX XXXX XXXX.The same thing when I called XXXX XXXX XXXX they said they transfer everything very detail it's Caliber 's problem.They even don't want to call each other to verify.I do whatever I can do now.No one can help me .They just push.I need help because two accounts with two months payment it's around XXXX XXXX missing.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST HORIZON BANK (TX)

After having difficulties with FirstHorizon bank buying my current credit card company, I opened a new account and transfered the balance. All of the balance wasn't transferred and FirstHorizon sent the statement to an address I haven't live in in almost 10 years, evidently when they migrated the data there was an issue, so I never knew there was still a balance or a payment due, now XXXX days late, credit score dropped XXXX points and still struggling to actually get a payment made. 

I WAS NEVER NOTIFIED THERE WAS A BALANCE OR PAYMENT DUE, AS I WOULD HAVE HAPPILY MADE THE PAYMENT
Consumer complaint received 2022-05-23
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. (AL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX,, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-12
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 (AZ)

The processor PayPal has infringed in a violation of my user rights. PayPal has closed my account to steal the money I received from the company where I worked. 
According to PayPal, accounts are blocked for unauthorized transactions, disputes, or chargebacks. 

I have no disputes, I have no chargebacks and I have always used my account respecting the policies and use agreement that are established in PayPal. 
PayPal placed two limitations on the account, look at the evidence in the attached photos. 

The reason for the limitation was due to the withdrawals I made to my bank account. 
PayPal blocked withdrawal attempts to my bank account. 

After these attempts I block the account saying that I can not withdraw my money. 
PAYPAL STEALS MONEY BY PLACING LIMITATIONS ON THE ACCOUNT. 

PayPal asked me for my identity documents with photo, proof of address and other documents, however they closed the account permanently and did not let me withdraw the money I have. 

PayPal is closing account with an intelligent system or robot so that users can not withdraw their money. 

My account associated with PayPal is XXXX. 

I enclose all the evidence of how this company does everything possible to steal the money. 

My account never had associate with any fraud. 
they close without reason avoid that can you my money. 
I also have videos and recorded conversations. 
PayPal violated my user rights and my money was stolen.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (MO)

I disputed XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported it.