davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (TX)

I have been using Cash App for years now and Ive never known a more corrupt or unprofessional company than this one. For a company that was made to send and receive payments it sure is very difficult to do so. I havent had any issues for a long time and now all of a sudden they are closing my account and wont let me send anything for my protection. I am the person running my own account and I would just like to know what sense it makes to not allow your customers to do exactly what your company was made to do. Not to mention they are stealing money from their customers. I have family and friends that I send various amounts to for various reasons and its simply unfair to flag them all. XXXX will always be the way to go but unfortunately not everybody uses XXXX.
Consumer complaint received 2021-01-25
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. (NV)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I need this resolved ASAP!
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

I made a balance transfer through Citi and then made purchases with the card after that. Apparently, by making purchases, I then had interest charges that I was then on the hook for when it came to what was initially supposed to be 0 % transaction fee. 

When I reached out to Citi, no one was willing/able to help me with this issue. I was also told I would get phone calls when I didn't and that there wasn't a superior that I could speak to.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, XXXX, XXXX, and Experian
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (NC)

This involves my PayPal account. 

Funds we're paid into my account by someone. 

Once the funds cleared my PayPal I sent funds to someone else These funds had cleared and were already deposited into my PayPal. 

Approximately one week later this person fraudulently filed a false complaint with thier Bank stating it was an unauthorized transaction. 
PayPal refunded the {$2000.00} to them and is now wanting me to pay the {$2000.00}. 

I dont feel I should not be liable because PayPal had to refund the money due to bank laws and regulations. 

The funds had already cleared my PayPal. 
The funds were in my PayPal account for several days. 

My PayPal account has been in the negative for {$2000.00} for several months and they have contacted me repeatedly to pay it. 
I have explained to PAYPAL SUPPORT what happened and that this was a false report. 
I have also called this person 's bank and filed a dispute regarding thier false claim. 

PAYPAL wants me to pay the {$2000.00} and don't care that this was a false complaint. 
PayPal is threatening to report this as a collection on my credit. 
PayPal also has access to all my bank accounts and I am afraid that they will withdrawal this from my bank or freeze my bank accounts. 

I really don't feel this is legal. 
Once funds are deposited to your PayPal account by someone if PayPal has to refund them. 
PayPal should be liable.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (FL)

On XX/XX/2021 I entered an agreement and signed in good faith a contract with XXXX XXXX, property manager representing XXXX XXXX XXXX, to manage my property ( Guest house ) located at XXXX XXXX XXXX. They collected a check for the amount of {$950.00} and it has been cashed on XX/XX/2021. It was for paying {$600.00} for the city of XXXX XXXX XXXX registration processing fees and obtaining a short rental vacation permit and the remaining ( {$350.00} ) to be on hold for any unforeseen future repairs may be needed. I did confirm with the City of XXXX XXXX XXXX XXXX and nothing had been submitted for over a month and subsequently I incurred damage and financial loss of rentals income during the hot season. After numerous phones and emails, for several weeks XXXX XXXX, Director of XXXX XXXX XXXX XXXX informed me that they cancelled the contract agreement and do not wish to pursue anything further and hung up the phone. I called him back, left voice message and emailed him requesting refund of the service and had and processing fees which they never processed, and also requested from him to return the keys, contract I signed, destroy any confidential information including passwords and any other items. XXXX XXXX emailed back on XX/XX/XXXX that they will return the money but they never did. I made several requests but never received a reply or refund for the cancellation of the contract. At this time I urged PNC bank to dispute the transaction and was told in XXXX it will and have been waiting for the past 5 weeks. Yesterday I was informed by PNC bank that they denied my request and will not refund me the {$950.00}. 
I also request that XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX to return the following : 1-The original contract I signed. 2-A check for {$950.00} 3-My property key 4-Compensation and Interest for my financial loss of vacation rent. 5- An apology and statement that they will not DECEIVE further homeowners and to improve their treatments
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2022-12-30
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. (FL)

I write to complain about XXXX XXXX XXXX  credit card for willful and wanton violations if the FCRA for failing to report updated data to Equifax since XX/XX/XXXX despite the fact that so have made monthly payments monthly. My Equifax attached copy of my credit report dated XX/XX/XXXX inaccurately fails to include my payments for XXXX XXXX XXXX XXXX XXXX etc. XXXX last updated my file in XXXX and my report shows No Data Available monthly since XX/XX/XXXX as clearly evidenced from my report. Since I made monthly payments XXXX violated the FCRA by failing to mark 6 months of monthly payments. No Data Avsikabke is inaccurate and known to be inaccurate by XXXX and Equifax. Obviously, the date of last payment of XXXX  is inaccurate as future payments were never reported as required. The date of last activity of XX/XX/XXXX is also obviously inaccurate. XXXX has breached its obligations to report accurate and complete data therefore it no longer has a right to report data mandating permanent deletion of my account from every CRA and sn obligation if every CRA to block access to XXXX to insure permanent deletion is insured. It is too late to correct data so Permsnent deletion is required. I dispute all payment and incomplete data so, until the account is deleted, my Comenity account MUST include the permanent designation Of Account Disputed by Consumer and failure to mark account as disputed, even if XXXX disagrees, shall constitute additional willful FCRA violations which I claim now for {$1.00}? XXXX per violation.
Consumer complaint received 2021-01-29
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. (CA)

I wrote a letter to the consumer reporting agency on XX/XX/2020 disputing an account that is reporting on my credit file. The consumer reporting agency stated that they investigated and the company XXXX XXXX account # XXXX verified the information as accurate. I received a letter from XXXX XXXX on XX/XX/2020 which they clearly states they are unable to locate a record of the account I requested debt validation. This company has did not do its due diligence in investigating.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-25
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)

Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I would like to re-implement the security freeze on my credit report with Equifax. I logged into my account and received the notice that " We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details ''. When clicked, I am instructed to call. I have now called three times. I can not get through to any representative because the security questions I am being asked are not about me - i.e. you opened an auto loan in XX/XX/2017, who was it with. I do not have an auto loan and never opened one. Then the next question is how much the loan is for! I can not get through to a rep without verifying, but the info they are attempting to verify me with is inaccurate
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I have contacted Equifax several times already over the phone and I am being pushed back to provide documents that are not required under the Fair Credit Reporting Act. I have sent what is REQUIRED in the case of identity theft. These documents were sent via post mail and I have included the proof of delivery. These documents have been received by Equifax, so the representative I spoke to on the phone is providing inaccurate and false information. I demand that these fraudulent accounts be deleted immediately as this is now damaging my consumer report. The allocated time for resolving this matter is well past it's deadline. Equifax needs to rectify the issue immediately. This has been going on since XXXX now, it is by far compromising my relationships with other firms.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union took all the money in my checking account and applied to a credit card I had with them. They did not ask permission and i did not permit this. The transaction was unknown until my account was declined use. There was over XXXX in my account. When they took it to XXXX. 

This is against the FAIR CREDIT BILLING ACT. They can not take money from someone's checking without permission. More importantly the money in my account is from the VA pension. This money can not be touched by any entity EVEN with court approval. Not even child support can be taken. 

I have called numerous times. i have been yelled at. Told I was wrong. That i am ignorant and a thief ( will not pay the debt off under any circumstances, until they reimburse me for property taxes I did not owe ). All of these calls have been recorded my NFCU and myself. 

I am a XXXX  % XXXX vet. I recently lost my job. i am a single father to an XXXX child, not to mention I am also XXXX  ( a reason I was XXXX retired ). I have filed numerous complaints. I have contacted news. I have sent NFCU the regulations they are breaking AND still nothing. I have reached out to my senator, mayor, congressmen, POTUS. Will continue reaching out to their uppers ( already contacted their CEO and head of the board ). 

They robbed me. Left me penniless and seem to not care in the slightest.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 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/Equifax/XXXX was XX/XX/XXXX, but o response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which sates that continued reports of the unverified information without any proof provided, within the time allowed by laws, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX
Consumer complaint received 2022-12-21
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: Chime Financial Inc (FL)

I have a chime credit builder account. The idea of the credit builder account is to help you build your credit with the money you have in your debit account. You cant spend money you dont have. However chime went ahead and pay a business money I did not have in my debit account now they said my credit builder account is in the negative which should not be because chime credit builder is not like a traditional credit card it doesnt allow you to spend money you dont have. I have however been paying chime on the balance they said i owe even though they were the one that allow a merchant to take money that was not available in my debit account to fund my credit builder. Chime has been incorrectly reporting my credit builder account has overdrawn and that was not the contract I signed with chime when I opened the account. ( its not a traditional credit card so it shouldnt be reporting as such because I was not given a credit limit from chime ). Chime has since went ahead and reported my account to the credit bureaus as 30 days late which violated the contract I signed for the credit builder account. Again I was not given any money by chime to spend that I didnt pay back so how could I be 30 days late. Chime was the one who paid a merchant money that wasnt available and based on contract I signed for credit builder account, this shouldnt have happened. I want chime to delete the 30 days late payment from my credit report immediately and to delete the credit builder account from report since it doesnt follow the guidelines based on the contract I signed.
Consumer complaint received 2022-04-05
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My husband and I are the successor trustees for the XXXX XXXX XXXX " XXXX ''. XXXX passed away on XX/XX/2022. We have been trying to obtain a closing balance for the reverse mortgage XXXX had and we have hit roadblocks every step of the way. We have done everything and provided all pertinent information that Champion Mortgage has asked for only to be told that we are denied finding out the balance. To say that we are a bit angry and certainly frustrated is an understatement. We have spoken to Champion Mortgage at least 8 times and have faxed documents to them 3 times upon their request. This information has our personal information on it such as our Social Security numbers. Upon attempting to contact them again this morning, we learned that Champion Mortgage has been sold.
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (NY)

Receiving multiple letters and Phone calls from Jefferson Capital Systems LLC ( Address : XXXX XXXX XXXX XXXX, NC XXXX ) Saying we owe a debt in the hundreds for which we are not familiar with the vendor and that they could take legal action or sue. 

We were hit with anxiety and panic and XXXX searched the company turns out 80 % of web pages brought up are warnings that this is a scam. 

We are on top of our finances at the moment and want to stopped being harassed with a hoax company and false information threatening legal action.
Consumer complaint received 2022-12-21
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. (MI)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (TX)

We are about to close on our XXXX  parent 's house. We were informed that there was not a Lien Release with the County Clerks office. They had a Deed of Trust with XXXX XXXXXXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX merged with Citibank on or around XX/XX/XXXX. I have emailed XXXX several times on XX/XX/XXXX, with same same response each time asking me for all of the information they listed. I did. I received the same email back. I emailed it all again. I received that email back again. The title company we are working with also emailed XX/XX/XXXX, with no response. I finally received a different response on XX/XX/XXXX that there is no record of a borrower with that name or address. 

I called the XXXX  on XX/XX/XXXX and was advised that Citibank, in fact, should have documentation from XXXX XXXX XXXX. The representative also advised that I should resend another request with the XXXX  BankFind results. I have done that and waiting a response. We are suppose to close XX/XX/XXXX. 

It was also suggested by XXXX that I make a complaint with XXXX.