davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/21 - Noticed restriction placed on my Savings account after attempting to transfer funds out of account. Contacted customer service through chat. 

XX/XX/21 - received response advising me the account has been placed on temporary suspension due to potential security concerns. List of documents required to release hold. 

XX/XX/21 - called customer service and discussed requirements and confirmed documents can be sent through chat. Sent requested documents through chat. 

XX/XX/21 - requested status of my account hold XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 



XX/XX/21 - requested status of my account hold XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - Requested an ETA XX/XX/21 - received response " Send a follow-up message up to get a ETA for. '' XX/XX/21 - requested response for ETA XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - requested updated XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - send message that I will be filing a complaint with CFPB if specifics of timeline of resolution is not received by XX/XX/21 XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - filed a complaint with CFPB
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scratch Services, Inc. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (VA)

Flagstar charged me {$30.00} for each request for a payoff statement. Today, they could not tell me who requested the payoff only a fax number. They told me it had been requested by fax 5 times, once in XXXX, XXXX and XXXX and twice in XXXX. They gave no date. The total cost was {$150.00} with no accounting of date of request or who requested the payoff. 

I feel it is very unethical for the fee to be so high and provide no accountability of the validity of the charge Flagstar Bank Loan # XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX XXXX
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, XXXX I sent a certified letter receipt returned, requesting a investigation into a account with Trans Union , LLC. The account XXXX XXXX XXXX acct # XXXX. Per ( FCRA ) the allotted time to complete this investigation is 30 days. As, of this date of XX/XX/2022 I have not received a response from my letter of investigation sent certified. I then called Trans Union , LLC and spoke with a credit representative with Trans Union , LLC. My letter for an investigation request, was not responded to, in asking for my investigation results Trans Union, LLC denied me the results of the investigation, including not responding back within the federally mandated 30 days per the ( FCRA ) .In calling and speaking with the representative I asked why i did not get my results, I also asked why I had not received a current copy of my Trans Union credit report . Reflecting that the errors on my report were still being reported as being inaccurate. The latest report from Trans Union , LLC dated was XX/XX/2022. 
Which would not have been the allotted time to complete a investigation into the accuracy of negative account being reported. 
I have tried several times in trying to fix this, but with no success. This account is only being reporting on my Trans Union report. Also when Trans Union, LLC respond they do not send a full copy of my credit report. So, I can see the results of investigation that I requested. 
I a consumer person has the right to dispute any information on my credit file. In doing so with this account Trans Union LLC, has violated my federally constituted rifgts under the ( FCRA ) .l.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (VA)

I am a certified residential appraiser and have been appraising for the last 11 years successfully. Six months ago I received an email from my high volumn/long time client/lender saying I was being blacklisted by the Mr. Cooper, formerly Nationstar Mortgage Holdings Inc., and my client could not use my appraisal service anymore since Mr. Cooper would not purchase loans based on appraisals prepared by me. The reason for being blacklisted was unknown. I've being trying to reach out to Mr. Cooper company, also with the help with my lender/client, for answer but we were ignored and stonewalled by Mr. Cooper company. I'm being blacklisted without explanation and no pre-notification. Until this day, I still don't know why I'm being blacklisted or even have an opportunity to respond to or rebut any alleged discrepancies. 

My business suffers tremendously loss of income due to the action taken by Mr. Cooper, especially during the pandemic. I've been appraising for the last 11 years and my record is clean with no complaints from any clients or disciplinaries from appraisal state board. I'm requesting Mr. Cooper to reconsider and remove my name from the exclusionary list of appraisers.
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (GA)

In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 )
Consumer complaint received 2022-11-06
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. (OK)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Account Lease # XXXX, and XXXX XXXX XXXX XXXX Account Number : XXXX have violated my rights. 

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

15 U.S.C 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. 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Not aware of this bankruptcy account as you know reporting things inaccurate on my account is against the FCRA .I need a written response with complete information that shows I gave my written consent to a clerk at the courthouse attached along his or her name the date it happened the time it happened & the name of the person who handle my case I cant believe this happened Im just trying to take care of my girls. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
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: SYNCHRONY FINANCIAL (FL)

Item purchased on XXXX. Seller used a label outside of XXXX to purchase a label in the same zip code and put it as delivered. XXXX was taking a long time to process refund do i filed one on paypal credit card Synchrony bank. 3 times filed and no results noone called me just closing the case. Label was purcased for a light item XXXX XXXX delivered to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX rep called synchrony and gave all information on 3 way call. I ordered XXXX XXXX  not XXXX. XXXX says synchrony should mske them to refund the money however XXXX is not admitting synchrony that fraud existed and item was not delivered
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CITICARDS CBNA, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouris consumer protection and identity theft laws. 

It has come to my attention that CITICARDS CBNA has engaged in unauthorized reporting of my personal information to credit agencies without obtaining my explicit consent. Under federal law, specifically Section 1681b ( a ) ( 2 ) of the FCRA, consumer consent is a legal requirement for the reporting of such information. 

In addition to federal law, Missouri law under the Revised Statutes of Missouri ( XXXX ), Section 570.223, defines identity theft and fraud as the unauthorized use of someones personal information, including in relation to credit reporting, and provides for penalties in cases where unauthorized actions result in harm to the individuals creditworthiness. Missouri statutes also support the fair and accurate reporting of credit information and offer legal recourse for consumers affected by fraudulent or unauthorized activities. 

I affirm that I have not given CITICARDS CBNA any consent to report information to my credit report. This unauthorized action constitutes a violation of my rights under both federal and Missouri state laws and has the potential to damage my creditworthiness. 

I demand that CITICARDS CBNA immediately ceases all reporting of information to my credit report without my explicit consent, in accordance with Section 1681b ( a ) ( 2 ) of the FCRA and Missouris identity theft and consumer protection laws. Failure to comply within the specified XXXX period will be considered willful noncompliance, which is subject to penalties under both federal and state laws, including Missouris identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri laws protecting consumers like myself from unauthorized and harmful credit reporting. I expect CITICARDS CBNA to take immediate corrective action to rectify these violations. 

Done in good faith.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I keep trying to login to my Equifax account but recently had to reset all my passwords, so I need help getting into my account. I keep getting an error page that states " We are temporarily unable to complete this request. 
Please try again later. '' I've cleared my cache/cookies/etc. I've searched online for solutions and found out that filing a complaint with this agency is the only thing that has worked for several other people.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

This account has been charged XXXX I believe for XXXX XXXX, which I did not charge. XXXX calling XXXX they stated it is not services that is mine. It was charged erroneously and I am getting XXXX $ in fees because citi corp credit card is not doing their job. I have called 3 times to get this resolved and they said yes we will take care of it and it is never done. This is the second issues with this card not dealing with charges that are charged incorrectly. Last time I called I stated I do not want this card any longer. Customer services is terrible and I have wasted more than 3 hours dealing with this and it still isnt done. Filing another dispute through uou
Consumer complaint received 2022-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/XXXX I made a purchase of 5 pairs of high heels from a XXXX based company using Paypal for {$330.00} The company had a return policy of 30 days from date of receipt and they would provide a return label. See the policy here : XXXX XXXX XXXX On XX/XX/XXXX I received the heels and had a professionally trained ballerina try one shoe on and they were so defective she could not stand. The balls were not flat, the construction was not stable, the shoes were completely unuseable without significant risk of injury. 
In accordance with the return policy I emailed the company, they ignored me. 
I emailed again and was ignored. 
I emailed a third time and was ignored. 
I opened a case with Paypal. 
Paypal allowed the seller to violate its own published return policy and require that I pay between $ XXXX USD to ship the shoes back. 
I reviewed Paypal 's buyer protection program and its acceptable use policy. 
Paypal was allowing the seller to abuse their platform to force a dispute instead of honoring its published return policy so that it would not have to pay the return shipping. 
I explained this to Paypal and they said they refused to investigate the seller or file a complaint regarding the concerning abuse of the paypal money system to scam, mislead, falsely advertise and profit illegally from a US Customer. 
Paypal is required to abide by its user policies. Paypal is required to enforce its policies to prevent adverse impact on consumers. 
Paypal is facilitating illegal transactions by permitting XXXX sellers to violate its own terms of service and acceptable use policy. 
While I don't expect Paypal to resolve this matter, I do hope this complaint will spark an investigation into the potential illegal practices and complicity with illegal sales practices of its sellers. 
Paypal is profiting from my loss and profiting from the illegal use of its system by XXXX sellers and potentially other non us sellers that abuse its system to force exorbitant return shipping fees onto the shoulders of buyers. 
I purchased from this company after reading their return policy and feeling comfortable that I would not be responsible for return shipping to XXXX. Paypal is required to investigate sellers who abuse their system. 
Paypal also advertises buyer protection but clearly, Paypal is not following that policy either.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

on XX/XX/2021, I received a wire for XXXX. After, it had cleared. I withdrew the money. There was no indication. that they were suspicious of the deposit. I was given the entire XXXX dollars. Actually, I had no idea there was a problem, until I went to the ATM. and at the time I was unable to retrieve my money. Also, it should be noted, I have direct deposit, weekly. Several times, I have tried to contact the person in charge of my case. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX and this morning, I tried to contact the supervisor. But, I was put on hold too long. I am working remote. and I could not continue to hold. Presenting I have a balance over XXXX dollars. I have stopped my direct deposit. But, there are refunds, from products I have ordered and cancelled and I have no idea, where that money is. This morning I tried to remove XXXX from my XXXX account. I was told I could not, until the fraud issue is resolved. So, in summary, I was never notify of the fraud issue. They have held my money for a month as of around XX/XX/XXXX. No, XXXX responds for to my messages or calls. It is very hard to survive, since more since covid. I need your help.
Consumer complaint received 2022-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (VA)

GoodLeap is a predatory loan company. Additionally, consumers are paying for products that do not work. I have tried to talk to them about refinance or cancellation and they say no. This stems from XXXX XXXX XXXX XXXX abruptly closing their business. Now, I am paying the loan ( {$200.00} ), large electricity bills ( {$400.00} - {$600.00} ) and for another company to come get my solar equipment back online ( cost unknown at this time ). The manufacturer guarantee only covers the panels themselves, not the service, the service should have been completed by XXXX but they no longer exists. Executives from XXXX have already moved onto new solar companies while leaving their existing customers with faulty equipment and large loans. 

I took out a $ XXXX loan & started paying on the loan in XX/XX/2018. To date, I have paid {$8800.00} & only reduced the loan by {$2200.00}. Their finance charge is {$20000.00} for a $ XXXX product. In the end, 18 solar panels that do not work, will cost me $ XXXX. None of this was made clear up front. I have only spoke with one representative at GoodLeap who was helpful, she said if I make an additional principle payment that same day as my other payment, they will not take out additional interest. At any other time, they will take out the interest first. My current payment is {$77.00} principle and {$120.00} interest. When I asked for a break down of the loan to see how the interest and principle would be distributed over the life of the loan they said that was not available. 

I do not want to stop paying the loan, I care about my credit. However, I can not afford the loan, large electricity bills, and possibly a new solar company costs. 

Please help the many people impacted by XXXX faulty equipment and bad business practices as well as GoodLeap and their predatory loans. Especially, during a time when green energy is a popular investment. This a SCAM and consumer should BEWARE!
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My loan was taken over by an investor and a loan service company, who has given me the wrong information on the next payment due. Also, the recorded call was observed by both parties and acknowledged that agent gave the wrong information. Now the company is requesting two payments. I truly feel as though they're taking advantage of me and treating me unfairly.
Consumer complaint received 2021-01-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fairway Independent Mortgage Corporation (SC)

On XX/XX/2019 FAIRWAY INDEPENDENT MORTGAGE assigned my mortgage note to XXXX , XXXX without my consent to do so. Since XX/XX/2019, XXXX , XXXX has continued to ask for payment for an alleged debt. I am a veteran buying my first home and the mortgage company took advantage of the fact that I was unaware of their constructive fraud giving to me in a contract. That is a violation of the FDCPA [ 15 USC 1692 ( e ) ]. I have disputed this debt for by the rules of the FDCPA, TILA, UCC, and the company still chooses to provide negative statements to my credit report. Willingly and knowingly providing false and misleading information is direct violation of congress. I did not sign a contract with XXXX , XXXX. I made no agreement with XXXX , XXXX. My note was given to the company by way of Identity theft for the securitization on my note. This is an unauthorized use of my SSN and personal identity upon the company. I have been harrassed by XXXX , XXXX. They have left notes on my door, claiming that I am the borrower and I need to call them. The term borrower is not defined in the FDCPA, and that is because I am the creditor. I am the one who extended my credit through the note and these companies are playing with. At one point the company had an attorney contact me claiming that I owed an alleged debt to XXXX , XXXX. There are no attorneys. Then the communication stopped. The actions taken by this company has caused me a great deal of stress, financial burdens, and hardships. I have taken the action to bring XXXX , XXXX in suit for their direct violation of these laws of congress [ 15 USC 78ff ( a ) and 15 USC 1692 ( e ) ( 3 ) ].