davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

I refinanced my mortgage with XXXX XXXX. My loan was then sold from the Mortgage Broker to BSI Financial. I have made an account on their website and attempted to make my mortgage payment. I didn't accept it on their site so I called customer service. I spoke with XXXX who told me we will take care of it. I gave him my information and he said it was all ok. Two days later, I receive a letter in the mail saying I now owe an additional XXXX dollars as it was past their 5 day grace period. ( this is on the XXXX ). I called back customer service, XXXX again answered. He told me this was a mistake and that it would be fixed and not to worry about it. It is now the XXXX, I have received an email stating my account is 17 days delinquent. This is unacceptable. I need to have a resolution with this as I have NEVER missed a mortgage payment in my life. It will not be accepted if any negative marks go against my loan or myself. I have notified the company I have documented my calls with XXXX and that this must be taken care of immediately.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2022 I used Venmo mobile app to make a payment of {$1000.00}. The balance of my Venmo account was sufficient to cover this payment. Venmo made the payment of {$1000.00} using the money in my Venmo balance but then made 2 attempts to debit {$1000.00} from my linked bank account resulting in a {$30.00} insufficient funds charge each time. 

I contacted Venmo and they stated I could NOT use my Venmo balance to make payments which is why they twice attempted to take funds from my linked bank account. I pointed out that Venmo HAD used my Venmo balance to make the payment but then still kept attempting to charge the same amount from my bank account. The Venmo representative stated that additional verification would be required to be able to pay with funds in my Venmo account and directed me to the additional verification setting in the Venmo App. The additional verification page only had a statement saying that the additional verification would help improve security but had no mention that it was required to use my Venmo balance to make payments. 

Venmo has deceptively structured their system so that money paid in goes to their own Venmo account instead of being automatically deposited into the linked account but money paid out is automatically taken from the linked bank account instead of being paid from the customer, s Venmo account balance. Additionally, they have purposely denied the ability for a customer to use funds in their Venmo account during initial customer setup and hidden the setting in their app behind a setting that only has a description of providing additional security.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. The account placed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, and 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2022-05-20
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: Experian Information Solutions Inc. (OH)

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. + 15 USC 1666B : A creditor may not treat a payment on a credit card account under age. XXXX open end consumer credit plan as late for an purpose. Additionally, my chapter 7 is still on my report and is discharged - it shouldnt be on my report any longer.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am a victim of the 2017 Equifax Data Hack. Ever since then, for the last two years I have been trying my hardest to get incorrect information removed from all of my credit reports. Equifax is reporting several things including Address Info ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) these are unknown. The also continue to report the same debt that I just had to complain about XXXX for ( They continue to report debts that they have not verified. THE XXXX XXXX XXXX - {$1000.00} ) in the month due to their inability to report correct info I have been denied the right to fair housing consideration and credit opportunities. They continue to re report these addresses and debts that they have not verified or validated. I have repeatedly disputed it with Equifax and they continue to allow them to re report this info even after the hack with WITHOUT PROPER VALIDATION OR VERIFICATION.
Consumer complaint received 2022-05-20
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

XX/XX/2022 - I checked my account and reported my card for fraud for the XXXX {$900.00} unauthorized transactions that were made. 
XX/XX/2022 - Somehow the fraud claim was denied by navy federal. They gave me an option to write back to them, so I did. 
I simply lost my card, then somehow there was {$1800.00} taken off of if. The card was not in my possession at the time the fraud occurred, the original plan was to just get a new card, until I seen that someone used it. I believed my card was stolen. But to be more careful, I took most of the money out of my account that I could after I reported it fraud. The reason I did that is because I had a friend who got his card stolen by his ex, so he got a new card but somehow she had the login information to his Navy Federal. I have never allowed anyone to use my card EXCEPT my XXXX  XXXX XXXX. I never received any merchandise from the merchant, I do not shop at XXXX. I put the fraudulent charges on my card. But Navy Federal claims that no error has occurred. And I am not sure if its because I cleared out my account the same day ( to be careful ). Or if its because there Is scammers everywhere and now every fraud claim looks suspect? 

XX/XX/2022 - The {$1800.00} was taken from my account. 

XX/XX/2022 - Ive sent multiple messages writing to them and trying to figure this out the past few weeks, no response. So Ive been using a different bank while my Navy Federal account is still - {$1800.00} because I lost or got my card stolen.
Consumer complaint received 2024-04-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Consumer Real Estate Finance Co. (PA)

I applied for a loan and provided the location of my job and location of the property. At the end of the process I was asked to pay {$550.00} for an appraisal then I was told I was denied because my job was too far from the location of the property. My question is why was I asked to pay for an appraisal when the they had all the information from weeks before? Then I was sent the denial letter stating there was problems with my credit as if they were trying to cover their tracks. They had run my credit weeks before I paid for the appraisal so the question again is why was I asked to pay for an appraisal when they should have known they were going to deny the loan?
Consumer complaint received 2023-02-01
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-09
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According with the fair credit reporting act XXXX account XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-01
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-05-04
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. (CA)

I previously disputed my collection with XXXX for XXXX XXXX with all 3 beaurus due to fraud. They all responded generically " The creditor validates this account as accurate '' I uploaded my fraud report number so this account can be deleted immediately.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1100.00XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$31.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$1100.00}.
Consumer complaint received 2022-04-26
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. (TX)

In 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 rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

Hi there, My name is XXXX XXXX and my mortgage was recently sold from XXXX XXXX to Freedom Mortgage. The unfortunate part is that I was in the middle of completing an Insurance Claim Check with XXXX XXXX. I had completed all the steps necessary to receive the final payment from XXXX XXXX in the amount of {$14000.00} but suddenly they sold my loan to another mortgage company. Now, these sales happen all the time but I'm having a hard time getting the money that belongs to me from Freedom Mortgage. I have contacted Freedom Mortgage multiple times and provided all the documents again and yet there seem to be no resolutions. They keep saying that they're reviewing the documents. 

I need your help in retrieving the insurance claim funds that were used to repair my property and my new mortgage company is not releasing them for me. There has to be something that can be done. 

Thank you, XXXX XXXX
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act Bankruptcy # XXXX and Bankruptcy # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Referencing case number # XXXX, American Express reversed a {$300.00} cash back reward because I didn't keep the account open for one year. When I opened the account ( see uploaded screen shots ), the requirement to keep the account open was not mentioned. It merely states that I will receive the award after spending {$3000.00} in the first 6 months. American Express fails to tell their applicants this important information on the splash page which is misleading. A requirement such as this should be made very clear upfront, similar to the {$3000.00} purchase requirement. They don't mention the 1 year requirement upfront because they want to collect the annual fee. Had I known that I had to keep the card open for a year, I would never have closed it.
Consumer complaint received 2022-04-26
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: CLGF Holdco 1, LLC (NJ)

Milestone has injured me XXXX XXXX the natural living consumer by committing fraud and extortion on my social security number by pulling funds from my social security card ( ssn # ) acting as if they loaned me something just to turn around and try to charge me fees, interest and debt! Milestone has used their name with my social security, infringing on my intellectual property, stealing funds and claiming adverse action on a consumer! When in fact there shouldnt be any adverse action on ANY CONSUMER for ALL ACCOUNTS ARE PREPAID IN A CONSUMER CREDIT TRANSACTION. Account ending in XXXX
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent this letter off on XX/XX/, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I also have the tracking number stating that I mailed these letter disputes as well for someone to sign for. 

According to FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or with who may have knowledge concerning any such items of information. 

They stated these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurately and according to the FCRA 15 USC 1681 everything has to be in order for the account to be considered 100 % accurate. 

Accounts listed here : XXXX XXXX XXXX XXXX {$1000.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$870.00} opened XXXX XXXX XXXX XXXX XXXX {$820.00} opened XXXX
Consumer complaint received 2022-04-25
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 (NY)

On approximately XX/XX/XXXX of XXXX, I paid {$200.00} dollars on my account and soon after I tried to make a charge on my card and it was not approved. I didn't think much of it at the time and on about XX/XX/XXXX, I recieved an email stating that i should log into my accout to read a notice that was there. I recieved 2 letters one stating that my account was restricted due to over draft or severely delinquent. This was false and inaccurate. I called on XX/XX/XXXX, and talked to a few representatives at the company and to their knowledge this was also inaccurate and false. No one could explain the issue and why my account was closed abruptly without explanation. I decided to take a look at my credit report with XXXX XXXX  to realize that it was reported to the credit agencies without my permission. Pursuant to 15 USC 1611, releasing false and inaccurate information is a violation and holds a penalty up to 5 years imprisonment and or {$5000.00} fine. Pursuant to 12 CFR Part 1026.11, account termination. Creditor must refund all amount of credit to consumer in form of check, money order, etc. Or credit account within 7 days. These are just a few of my rights as a consumer that were violated. Pertaining to the Truth In Lending Act, HJR 192, FTA, Consumer Rights, etc, these violations hold penalties.just trynna exercise and protect my rights. I have all documents pertaining to this matter.