davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (GA)

I recently disputed an unrecognized and unauthorized debit of XX/XX/2022 in the amount of {$17.00} in my Venmo account and received credit accordingly. However, despite my replacing the account debit card, changing the account password, and reviewing all recent transactions, Venmo froze my account and I has not reinstated it despite my numerous requests. As I have recently provided my Venmo information on customer correspondence and invoicing, I suspect some customers have remitted payment by Venmo, sone of which would be significant, e.gover $ XXXX. Consequently Venmo may be taking time to verify these payments but should certainly reflect them online, rather than eliminate them from reporting altogether as they are doing today. Almost seems like they may be attempting to keep the money off themselves
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Deinde Online Services, LLC (MO)

According to XXXX XXXX a short term loand was opened with my information - all correct except spelling of first name, bank and email. The original account was oppend with Integra Credit who never contacted me. My first contact regarding this fraudulent account was from XXXX in XXXX of 2020. 

During my first conversation with XXXX  I was told that it was an Integra account and any dispute had to be addressed with them. On XX/XX/2020 I contacted Integra who informed me that the account was no longer their 's but instead was sold to XXXX. Any dispute needed to be filed with XXXX. All further attempts to contact XXXX went to dead phone lines. 

On XX/XX/2020 I recieved written communication from XXXX stating that they investigated and determined the account was valid and that I now owed XXXX plus an additional late fee for XXXX. 

On XX/XX/2020 I spoke with a XXXX employee who informed me I needed to file a police report and return with the letter ( which will be done today, XX/XX/2020 ). The XXXX employee also informed me they are simply collecting the debt for Integra and that the account is not a XXXX  account. This contradicted the information provided by Integra on XX/XX/2020.
Consumer complaint received 2020-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc. (SC)

We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with financing thru Consumer Portfolio Services. In XX/XX/XXXX the vehicle was in an accident an deemed a total loss. At the time of the loss the account was current, with no late fees or charges on the account that needed to be paid. At that time we had two gap insurance policies. One with XXXX XXXX XXXX which was part of our contract when we purchased the vehicle and another thru our auto insurance at the time. Gap insurance paid our balance that was due through multiple disbursements. Consumer Portfolio Services received payment from XXXX XXXX XXXX and the gap coverage through our auto insurance. After reviewing statements from CPS, XXXX and XXXX ( our insurance at the time ) we discovered what appears to be fraudulent activity in order for CPS to collect more money than what they were entitled to. It appears to still be the case. They have gone as far as reporting information to the credit bureaus stating that we owe them money, altering payment history, late fees, and other charges to make it seem as if we owed money at the time of time loss. They are still collecting money from Gap insurance payments thru XXXX as of XX/XX/XXXX and still say we owe. XXXX has informed them to waive a total of {$3300.00}. They refuse to update the credit with a paid XXXX balance, with no late payments as of the date of loss.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

On XX/XX/XXXX at approximately XXXX pm XXXX XXXX logged into my accounts online at US Bank and noticed my checking account had a {$1500.00} withdrawal from a branch in Minnesota. I live in Illinois and was logged in from XXXX I called the bank and they immediately flagged this as fraud and froze my account. They notified me that this was done at a teller at the branch. 
I reported things properly, filled out their forms, emailed them and hard-copy was mailed. 
I have asked for my money back- which was given fraudulently and negligently by THEIR employee. 
Their fraud liaison dept removed my now closed account from my online viewing so I have no ability to look at anything historical on my account- without asking them for statements. I've been a clients for XXXX or more years. 
To get my money back BEFORE they finish their investigations and protocols, I have to ask my branch manager here in XXXX, IL for a " provisional credit. '' I called first thing this morning spoke to a rep at the branch and left a voicemail for the manager. He never called me.
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-07
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (PA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have 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. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is 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 XX/XX/2022, XXXX XX/XX/2022
Consumer complaint received 2020-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I went into a branch located at XXXX XXXX XXXX XXXX XXXX NY XXXX, a teller told me to insert my card and input my pin, which i did, she then asked for my i.d, which i gave to her, then stated she needed to ask some security questions last 4 of social, address and email, i gave her my social and address and stated to her my email was my first and last name XXXX said then indicated that my email was wrong she then told me to log into my mobile account which i indicated to her that my phone was in the car and that i never herd of a teller asking for anyone to log into a mobile account. i then asked for my card back and just used the ATM to withdraw some funds. i then left the branch later to see that she in fact had my account suspended i called the number on the alert and had the suspension removed and at that time initiated a complaint against her because she profiled me wrongly cause i was XXXX wearing a baseball cap. capital one 's office of the president also indicated that she had no right to ask the things she did and that a i.d was all was needed to withdraw my funds, her name is XXXX XXXX.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

I was informed on XX/XX/20 that my mobile deposit of {$4200.00} will be placed on a hold. I called to see why and was eventually told that it may not be placed on hold. In addition I have an email stating check available balance before using funds to ensure money has been released. The next day my account showed {$0.00} hold and my full check was available to use. As of XX/XX/20 I get an alert that not only has my rent been returned, Im overdrawn by {$920.00}. I called and have spoken to reps and no one can explain why after XXXXyrs as a customer I have a check on hold for the first time ever, why it showed my money was ( is ) deposited and available but not really available, and why no one can fix this. Not one person who works for Suntrust can correct this error or tell me anything. I dont understand why a paycheck thats normally a direct deposit drawn on XXXX XXXX deposited into Suntrust should be put on hold. Its not a personal check, over {$5000.00}, or from a foreign company. Its the same company that directly deposits the same funds. But no one can help me. I need somebody to help me. Suntrust showed my money was available to use. The rep said if it says the money is available then the money is available to use and yet no one can tell me it isnt available and why they wont release what shows is available. Its confusing and makes no sense. I need an advocate. Suntrust is being fraudulently and untruthful with my money from my paycheck.
Consumer complaint received 2020-07-07
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. (FL)

TransUnion is allowing repeated inquiries into my credit history without authorization. The inquiries are apparently from " TransUnion Interactive '' without authorization. I demanded all copies of authorizations for credit inquiry. TransUnion is requesting PII information from a company called XXXX  and XXXX XXXX  without my authorization. XXXX and XXXX XXXX   provided information about me without my authorization. As you know, ACH Transactions are controlled by the Federal Reserve System not by private industry. Therefore Banks must be providing " Deposit and Banking Transaction '' unrelated to Debt to third party entities without my authorization. I request the Federal Reserve to issue a Regulation prohibiting the release of transaction information without consent of the individual. 

The data in my bank account is personal protected information by Federal Law. I did not authorize any release and any request for a copy of the information is requiring additional Personal Information which is also illegal under Federal Law. The information provided in the request for information in their databases is then augmented by the request for a copy of the information on the individual.

Banks are not suppose to request a " Credit Report '' as part of the process to create bank accounts but are requesting " credit reports '' instead of " verifying identity which is illegal under Federal Law.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

This is the second complaint I file through cfpd.gov. We have been trying for years to get our loan modified through roundpoint and every time I has been impossible. The loss mitigation ( XXXX XXXX is our single point of contact ) constantly tells us sorry its human error and we have to start the process over. We received complete package acknowledgments and right at the 30 days something comes up and they deny the modification and ask us to start the process again. Because of the great amount of uncertainty with Roundpoint we have worked with a XXXX  counselor from XXXX and they helped is submit a completed package on XX/XX/XXXX ( before Covid ). Four months later and we have encountered same problems and the mortgage company has denied modification and told is they had noted the account to deny any further modification.
Consumer complaint received 2020-07-07
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. (MO)

Equifax removed ( incorrectly! ) the most positive item on my credit report. On XX/XX/XXXX, I sent Equifax a letter disputing three items on my credit report. They did not respond, so I sent the letter again on XX/XX/XXXX. The letter included a copy of the credit report with the disputes cross referenced to that report. They corrected one item, ignored one item, and decided one item was correct ( so this will be escalated further. ) But then - they took it upon themselves to decide that I had disputed two more items, which most definitely were not in the letters. One of these, a current XXXX XXXX credit card which is always paid on time, was the most positive influence on my credit report. They DELETED that credit card and subsequently my credit score as reported by them went down 12 points.
Consumer complaint received 2023-01-11
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. (SC)

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

12 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 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Consumer complaint received 2022-02-11
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: ALLY FINANCIAL INC. (FL)

I have tried solving this issue with Ally Financial and the three major credit reporting agencies before. XXXX has already deleted the account for violation of federal laws but XXXX and XXXX continue reporting. I am attaching the updated and new information, also : Ally financial was deleted from XXXX because in fact, they are violating federal law, by reporting negative information and treating payment as late when they cant pursuant to 15 USC 1666b. I WAS NEVER LATE. You can see the inconsistencies between the updated reports from XXXX and XXXX. 
How can both credit reporting agencies have verified and validated the information when THERE ARE SO MANY DIFFERENCES. how can a so-called late payment be late 60 days without being 30 days first, how come the same creditor provide so different information across XXXX and XXXX, yet XXXX has deleted it. They all might have different investigation processes, however, the information sent to them HAS TO BE THE SAME, OR AM I CRAZY? 
THIS NEEDS TO BE DELETED IMMEDIATELY FROM MY REPORTS. THIS IS DEFAMATION OF MY CHARACTER! 
I have requested plenty of times before for Ally financial to send me the history of payments, the ledger, EVERYTHING used to " validate '' this account, and the " accuracy '' of said payments AND I AM STILL WAITING FOR IT!!!!!!!! Everyone has wiped their XXXX XXXX with my demands, everyone is still violating the XXXX federal laws, and here I am the federally protected consumer hurting and being affected not only financially but emotionally and NO ONE DOES THE RIGHT THING, NOR WHAT IS REQUIRED BY THE LAW
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BBVA FINANCIAL CORPORATION (TX)

COVID Complaint As I stated in a previous complaint against BBVA, I  am a XXXX XXXX and XXXX XXXX XXXX by profession. I help XXXX  find XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX. I personally have bank accounts and credit cards with several different institutions and BBVA continues to be sub-par. 

I have experienced financial hardship due to Covid. I reached out to BBVA 2 times in writing through their message center. When told to call, I could not get through. I pleaded for deferment in each of my emails to no avail while my other creditors quickly and easily and graciously granted me 30-90 Day deferments with no risk to my credit. BBVA was unable to do this despite my written request submitted online. I then submitted an application online, followed up in the appropriate number of business days in writing on XX/XX/2020. It is now XX/XX/2020 and still have not received a response. See attached screenshots of online correspondence. I continued to make this payment despite not having the funds in my emergency budget which made my financial situation even more difficult. I continued to make them because I did not want to risk a negative impact on my credit. I understand delays with Covid, but the hardship deferment was granted to me with 5 other financial institutions in a professional and timely manner. 

I sent Covid requests XX/XX/2020 XX/XX/2020 XX/XX/2020 If a XXXX XXXX by trade cant successfully receive COVID relief through multiple avenues with BBVA, please tell me how a a low-income or technically challenged or XXXX or elderly person might complete the task. My guess is, most clients would throw their hands up and give up! I will never XXXX  any of my XXXX, XXXX  or XXXX XXXX   to do business with BBVA. BBVA does them a great disservice and is simply is NOT accessible.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  ; XXXX  and Transunion are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023, i transferred {$1000.00} to my son using my XXXX on my online account and as at XX/XX/2023 the money has not been received by my son. I called the bank ( Capital One Bank ) to ensure he receives the money and could not be given reason why my son did not receive the money. I was only given reasons why money sent by XXXX could be held. I requested a cancelation of the transaction and money refunded into my account and was advised to reach out to the corresponding bank. I told them i have no business with the corresponding bank and would want my money refunded to my account and they stated they will have to do some investigation which could take XXXX days. This is not acceptable to me because the number of days is too long and want my account credited for what was taken out of my account and let them sort it out with XXXX. I am not happy with this and i consider it an abuse of our contractual obligation. Going forward, i need my money refunded with interest and a letter of apology. 
My account # is XXXX and the routing # is XXXX