davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act. The XXXX bankruptcy that has been listed on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX  XXXX XXXX Indiana XXXX Bankruptcy Court filed on XX/XX/2015 under XXXX XXXX XXXX ... Ref # XXXX ( Experian, XXXX, XXXX, XXXX have all violated my rights ) 15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : 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- ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

15 U.S.C. 1681b : states permissible purposes of consumer reports
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NV)

After reading the warning updates that I get from the FTC I decided to check into my credit report because it is now free weekly. I went through all the steps to get my credit reports from all three major credit reporting companies and to my surprise there was some excuse as to why I could not get them some of it said technical other one said that I had to get it by mail that I couldn't get it online but in any case all three companies basically did not come through at a credit report that sounds a little suspicious to me. So I just wanted to let someone know I will try to follow up with phone calls but this is already more of a hassle that I am supposed to have to deal with being that I'm supposed to just be able to click and get my credit reports free but that's not happening. Thank you Your system would not allow me to enter the last 4 of my SSN. I have no idea why. So you might want to look into that. 
The last for are XXXX
Consumer complaint received 2022-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

On XX/XX/2022, I XXXXXXXX  an overnight packet containing two checks requiring co-endorsement that I received from XXXX XXXX XXXX XXXX for repairs to my home post Hurricane XXXX. Also contained therein was a contractors certificate of completion, as well as the claims adjusters repair estimate, as was requested by Newrezs loss draft department. This letter was received by the mortgage company on XX/XX/XXXX. As of today, XX/XX/XXXX, the funds are being withheld for absolutely no reason with another phony assurance that it will be another ten business days before the checks are sent back to me. And this, mind you, after I was cajoled into purchasing a XXXX overnight package for {$16.00} for speedy return of the aforementioned checks to pay the roofing contractor. This so-called mortgage company with its endless list of consumer complaints and shady business practices needs to be fined and shut down. I also have evidence of fraud in handling of the escrow account attached to my mortgage. Currently, a forensic accountant I hired is reviewing prior account statements. 
The loss draft department has been negligent in answering the phone in a timely fashion. I base this observation on my inability to speak with anyone there after hanging on for 45 minutes or longer several times. A recording during the wait advises leaving a message, but this has proved futile because calls are never returned. Actually, TODAY WAS THE FIRST TIME my call was returned but by someone who claimed to be a mere call operator ( would not give her name ) and couldnt answer specific questions I had. Ten more days for management to review the checks, maybe. And this only after I called corporate headquarters in attempt to speak with someone in upper management. 
My mortgage loan was sold to Newrez by XXXX perhaps 4 to 5 years ago. Given the long list of complaints against Newrez by employees, customers and former employees, it is most unlikely I would select such abysmally dishonest company to conduct business with. 
Today, I called a Newrez/Shellpoint toll-free number and was instead greeted by an obnoxious salesperson with no interest in helping customers, only selling some kind of XXXX XXXX device completely free! Purchasing something as mundane as toilet paper ( use it once and throw it away ) from Newrez would be fraught with XXXX. Caveat emptor. 
This company is without question another XXXX in the making. It desperately needs to be investigated. XXXX is too kind a word.
Consumer complaint received 2020-12-11
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-12-12
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act. The XXXX bankruptcy that has been listed on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX Indiana XXXX Bankruptcy Court filed on XX/XX/2015 under XXXX XXXX XXXX ... Ref # XXXX ( XXXX, XXXX, Transunion, XXXX have all violated my rights ) 15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : 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- ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

15 U.S.C. 1681b : states permissible purposes of consumer reports
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CO)

In accordance with the Fair Credit reporting Act, Best Buy/CBNA account # XXXX has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AR)

paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-27
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. (IN)

My idenity was compromised while I was overseer serving in the U.S. Military between XXXX - XXXX. During this time XXXX XXXX and XXXX XXXX but a unauthorized hard inquiry on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX   XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX NXX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX  on XXXX ( Reported Identity Theft )
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (TN)

On XX/XX/2020, I was making a large online purchase with XXXX XXXX XXXX  ( XXXX  ). Through the purchase process, there was an option to finance the purchase with 0 % interest for 6 months. I applied for and was approved for the financing. On the next screen, a credit limit and account number were populated along with an option to " shop now ''. In my consumer mind, the " shop now '' option would allow me to shop using the new credit line issued through Citibank XXXX XXXX. When I got back to the check out screen for XXXX, there was no account number populated. I then checked my email, where I had confirmations from XXXX and Citibank. The Citbank confirmation email directed questions to a link and stated simply type " I am a new Card holder '' in the chat window. When I did that, I was directed to a list of FAQs. One of which was, " Where can I find my Account Number ''. The answer to this FAQ was : " Oh, good question! I can help you find that. If you processed the application online and it was approved, on the final screen it shows the credit limit and also your card number. That is the only time when the full account number will be listed online. We do that for your protection! If you skipped over that screen, or you had any other errors, you can call customer service in the first 10 days following the application to get your card number. Customer service will connect you to our security team and after a few verification questions, you can obtain your card number. There you go! '' When I called customer service and verified my information, they refused to provide my account number and stated that they were not allowed to provide it not matter what the website said. 

My purpose for applying for this credit line was to pay for my purchase that day. Through the application process, there was never any indication that I would not be able to use the account that day on that purchase. My credit was inquired upon, causing consumer harm, as I was not allowed to use the account for the intended purpose. 

I want this credit inquiry wiped from my credit report. It is unfair and deceptive to advertise financing of a purchase when there is no mechanism for the consumer to use the credit line for the purchase in front of them. Further, Citibank 's website provided incorrect and misleading information related to XXXX new account holders. This misinformation should be corrected to prevent future consumer harm. It is unfair for my credit to be negatively impacted in conjunction with this credit inquiry as I was not disclosed as to the fact that I would not be permitted to use the credit line on the purchase for which I seeking financing. I have asked Citibank to close the account and I want the inquiry removed from credit.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

I have a Citi Diamond Preferred Mastercard and have had the account with Citi since XXXX. On XX/XX/XXXX, I received an email notice of a promotional offer for 5 % back on online purchases made between XX/XX/XXXX and XX/XX/XXXX ( XXXX Monday ), so I enrolled using the button in their email. On XX/XX/XXXX XXXX XXXX Monday ), I made an online purchase with XXXX in the amount of {$370.00}, forgoing 3 % back I would have received by using a different credit card. The purchase immediately XXXX on XX/XX/XXXX ) appeared as a pending charge to my Citi Mastercard. XXXX, due to a large number of orders received on XXXX Monday, did not ship the order out until XX/XX/XXXX, at which time the charge was finalized at {$370.00}. Citi failed to provide the 5 % back. I initiated an online chat with Citi asking why the 5 % back was not made. Citi 's response was that, even though the purchase was made on XX/XX/XXXX, the charge was not finalized until XX/XX/XXXX, thus occurring after the offer period and said too bad, there was nothing they could do about it. 

A credit card operation as large as Citi is well aware that many vendors, on XXXX Monday, will have charges that are finalized a few days after the purchase date. As I pointed out in my online chat, Citi must have a similar situation with many other XXXX Monday transactions. To entice consumers to use Citi 's card by promising 5 % back, then failing to provide the 5 % back on XXXX Monday purchases, under the guise of 'the charge was finalized after XXXX Monday ' is disingenuous, if not an act of widespread consumer fraud. Citi has defrauded me {$18.00}. Multiply this by countless other similarly situated victims.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (SC)

Citibank has lowered all of my credit limits and is damaging my credit score. I have never had a late payment and have never been over my credit limit. My credit score is being damaged by their malicious practices.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-09-27
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. (GA)

This is my seventh endeavor to tell you 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 or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2020-12-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

This complaint is related to the signup bonus for opening a savings account through Citi bank. I opened up an account and met all the requirements to receive the signup bonus. 2+3 months have passed but I haven't received the bonus credited to my account. I've contacted the banker many times to find out what's going on but they keep saying to allow 1-2 days to process the credit every time I called them.
Consumer complaint received 2020-12-11
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. (SC)

I have made a total of 7 calls to Equifax on XXXX and XX/XX/XXXX. A lender is trying to pull my report but are unable to I had an extended fraud alert on my report that I had removed on the XXXX. I was told the lender should now be able to pull my report but they are still unable to. The lender reached out to me and stated there is a different name associated with my ssn Equifax stated that isn't the case and my address, name and ssn is all associated with my current address. Also XXXX XXXX isn't able to pull my report either and I can never retrieve my credit report from XXXX. This has really been a frustrating process and it seems as if no one is able to help resolve this issue. I am hoping that with this complaint I am able to get this issue resolved asap. Thanks!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

Dear CFPB, I am reaching out to you again because my mortgage company PLAZA HOME MORTGAGE keeps playing games with my home.

Now after 4 months under review for a loan modification to reduce my monthly payment due to a hardship. come to find out that my application was denied because of my income is not enough.

However Plaza Home Mortgage somehow approved me for a loan modification / repayment plan which increased my monthly payment knowing that the main reason of this request for a loan modification was due to a reduction of income.

im not sure how's this possible when the main reason for asking for help was due to my hardship. Im very frustrated now since im now several months behind and Plaza Home Mortgage told me they will foreclose on my home. Please help!