davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Due to the overwhelming number of cars flooded during Hurricane Ida, XXXX was not able to get the part for my vehicle for a flood repair under insurance for several months. From XX/XX/XXXX, XXXX XXXX was covering the charges for the rental. On the rental contract from XX/XX/XXXX, XXXX XXXX, 2022, I provided the following to Capital One : 1 ) The communication from XXXX that the rental would be covered by them, 2 ) The receipt showing that XXXX was the Bill-to party and not me, 3 ) The same receipt showing that the bill was also being paid by insurance. Instead of billing XXXX XXXX for any balances, XXXX billed my Capital One credit card. I responded to a request to show that the charge was not mine with proof that this balance was already billed to and paid for by XXXX XXXX and XXXX and that my credit card appeared nowhere on the receipt. Capital One denied my claim and closed it. Claim # XXXX Capital One asserts I didn't send them what they asked for and I absolutely did. See attached.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

1. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported XXXX  Account Number : XXXX Please Submit onto XXXX  form and please Delete under section 1681s ( 2 ) ( b ).

They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (VA)

I had a deposit of {$6400.00} from XXXX XXXX into my TD Business Bank account ending in XXXX, at the time the account was in a negative balance of {$680.00}, I notified the bank I paid off the negative balance when the deposit entered the account on XX/XX/2022. I notified the bank I was currently on vacation in XXXX XXXX and I would need the remaining balance immediately, while doing so TD Advised me I would need to wait for 24-48 before I would be able to pick up the remaining balance from a TD Bank Branch located in XXXX XXXX XXXX XXXX As of today XX/XX/2022, that time period has lapsed, I am now being told I can not receive the remaining balance until after XX/XX/2022 doing so would put me in serious financial and personal situations which I told TD Bank repetitively XXXX I really need my money as soon as possible which is why I have XXXX direct deposit the {$6400.00} into my TD Bank account so I can use the money immediately. As of XX/XX/2022, I have had to sleep in my car without gas, no food, no way to purchase a flight or purchase my XXXX XXXX Every time I contact TD Bank I am told I must wait for another 24-48 hours and another and another. There is currently no solution to this issue.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (FL)

Someone is fraudulently trying to open a XXXX and a Nordstrom credit account under my name. Nordstrom account shows under XXXX and needs " more '' information to be opened. It is not me. Need to report fraud.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022 Santander Bank in XXXX, NJ closed 2 of my business accounts and my personal account without giving any reason. When inquiring about the issue they just said that they are not required to give a reason for this. Coincidentally 1 month prior I had been complaining about some charges that the bank took out of my account monthly for 2 years. They reimbursed some of that money and then 1 month later I happen to get the notice. I have been doing business with this bank for almost 15 yrs without any issue. Also my square account that I do business with stopped working at the same time.
Consumer complaint received 2022-08-13
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. (PA)

This is my six endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Bankruptcy is reporting that should not be I did not give authorization to report this and this is defaming my character. I am asking for verification with my wet signature that this is to be reported. I'm aware that no court or agency reports this information to any bureau
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (TX)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not XXXX  % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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


XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX PAYMENT XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX 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 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 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 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-18
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)

Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXXXXXX ). ( XXXX XXXX XXXX XXXXXXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mo

de of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation w
as not completed. 

accounts : ( XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX )
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate and Unlawfully Furnished Information on Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate and unlawfully furnished information that appears on my credit report. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. XXXX : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( Also known as XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX I reviewed my Experian credit report on XX/XX/year>, and found the above items to be incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates, in accordance with 15 U.S.C. 1681 ( e ) ( b ).

Furthermore, 15 U.S.C. 1681i ( 5 ) specifies that if disputed information is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency must : ( i ) Promptly delete or modify the inaccurate or incomplete information in the consumer 's file, as appropriate. 
( ii ) Notify the furnisher of the information that the information has been modified or deleted. 
Additionally, under 15 U.S.C. 1681s-2, it is unlawful for a person to furnish any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I request that the CFPB investigate these violations and take appropriate action to ensure my rights are protected. Please delete the inaccurate and unlawfully furnished information from my credit report and notify me of the results of your investigation in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Consumer complaint received 2023-11-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

My name is XXXX XXXX and I am a customer of PayPal 22 days ago, PayPal limited my account and asked for some documents such as ID card, bank statement and proof of address in order to fix my account back but since I submitted I haven't heard from PayPal and this is a very unfortunate situation. 

I would want PayPal to fix things right
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

1. Lender : Cardinal Financial Mortgage balance from refi XX/XX/2022 XXXX. XXXX Payment made to XXXX as XXXX. 3. Cardinal Financial Changed Servicers to XXXX, debtors NOT notified, so continued in XXXX, XXXX and XX/XX/2022 to pay Shellpoint. XXXX. XXXX wired funds to Cardinal ( new servicer XXXX ) for XXXX, XXXX and XXXX payments. 5. Cardinal has been informed multiple times by phone and email of the above. 6. Cardinal has failed to apply debtors payments to it's account. 7. All Payments have been made on time by debtors by electronic bank transfer. 8. Cardinal has reported debtors to credit agencies with late payments, but no payments were made late by debtors. 9. Cardinal has received proof of payment by bank debit screen shots, wire numbers, proof of payment documents from XXXX XXXX XXXX, and most recently by XXXX account statements. 10. Cardinal has spent more than two months " researching '' this issue, but as late as last week, continues to insist it does not have our payments applied to our loan account. 11. Debtor has spent multiple hours on the phone and online with Cardinal attempting to verify the payments were made. Last week, debtor 's bank, XXXX XXXX, attempted a call to Cardinal but Cardinal would not agree to XXXX XXXX recording the call, so I was unable to have my bank speak with the mortgage company with me on the phone. 12. Cardinal 's research department continues to send me emails which ignore the fact they received three federal wires from their own previous servicer, XXXX, on this account. 13. On XX/XX/XXXX, I sent them an account statement from XXXX showing these wires with tracer numbers. Customer service agents for Cardinal told me repeatedly that Cardinal ( Dovenmuehle ) needed time to research and then reconcile the payments from XXXX, but the " Research Department '' has not been able to find the payments from their own previous servicer for more than two months. 14. Debtors ' online payment history with Cardinal does not reflect payments made by debtors and received by XXXX ( servicer ) for Cardinal ( lender ). 14. Both debtors want their credit reports immediately corrected by removal of the false statements about late payments.
Consumer complaint received 2022-10-24
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. (TX)

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
8. This account was paid and also the date last active is inaccurate it cant be XXXX different dates there are so many inconsistencies across the bureaus XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
9. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX XXXX XXXX XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Consumer complaint received 2023-01-04
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)

PERSONAL INFORMATION UPDATE LETTER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Social Security Number : XXXX To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Enclosed : copy of State ID showing proof of address
Consumer complaint received 2022-09-13
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. (TX)

Upon viewing all three credit reports from the credit bureaus, I began to inquire about the validity of the accounts. I then began to question the bureaus to verify and validate all the accounts listed. All three agencies have failed to verify the accounts as required by the Fair Credit Report Act Section 609 ( a ) ( 1 ). All correspondence was forwarded via certified mail and standard mail on XX/XX/2022 to ensure its arrival. ( tracking numbers have been provided ). XXXX forwarded correspondence advising dated XX/XX/2022, that they received the request that included my information, but didn't appear that I or a properly authorized third party sent it to them. The document in question was signed on XX/XX/2022 in front of a notary where a valid ID was required. All in attempt to avoid and delay this process which should have concluded within 30 days.
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I deposited my paycheck through TRUIST mobile deposit, that was issued through the corporation XXXX XXXX XXXX XXXX, and was placed on a 9 day hold. The check was {$800.00} and I had more than enough to cover the funds if the check was fraudulent. 

I live paycheck to paycheck to feed my family. When I called the staff told me all these ridiculous reasons why it would be held, none seemed to be reason enough to hold that amount for that long, and eventually was told that they " COULD HOLD ANY CHECK AT ANYTIME FOR ANY REASON. ''
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

Theres currently no bankruptcy record reporting on my XXXX XXXX Consumer Report, but theres a public record of bankruptcy XXXX  XXXX-discharged reporting on my XXXX XXXX XXXX Experian, and XXXX credit report. XXXX XXXX report public records and bankruptcies to XXXX XXXX, Experian, and XXXX credit bureau.