davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX is not completely and accurately reporting my information to the Experian as follows : The account status is blank, and this is relevant data that is important!
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been reviewing my rights and my consumer reports lately, and have come into quite a bit of knowledge I did not know prior. My issue is with account reported, as during the time the account was opened, I did not know the law or my rights as a consumer. This will be sent to the attorney general 's office as well. My complaint is with the following reported account : -XXXX # XXXX Under Federal Law, violations occurred via 15 US Code 1601 due to the following reasons : -In XXXX of XXXX  I made an uninformed credit decision with XXXX XXXX XXXX bank XXXX regarding this particular credit decision. 
- I now know, that at the time the notice of debt by agreement is now null and void due to the fact that I made a uniformed credit decision. 
- the law states that " adequate notice '' should be a printed notice stating facts " clearly and conspicuously '' where a person could notice and understand its meaning. That was never provided to me either.
Consumer complaint received 2023-01-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (LA)

XX/XX/XXXX XXXX of {$600.00} XX/XX/XXXX XXXX XXXX {$600.00} These payments were sent into my bank to make the mortgage payment. Flagstar Bank instead of holding it in suspense put it towards the principal. I wasn't able to get into the online bank account because I was in bankruptcy in which I came out of bankruptcy XX/XX/XXXX. I was able to log on to my online account finally in XX/XX/XXXX. They had sent me a letter saying that I was late on a payment in XXXX. What happened is that they appropriated these funds to the principal instead of the mortgage balance. When I spoke with someone in XXXX I was told because it was over 90 days for the XXXX payment there was nothing they could do but they were going to try and they gave me a confirmation number. When I called again because my mortgage statement didn't reflect any of this that we spoke of in XXXX, I called back today XX/XX/XXXX. I was in told that they corrected XXXX of the {$600.00} which was in XXXX they said that they can not fix the other XXXX because it's been over 90 days. I also had a problem once I sent them a {$13000.00} payment in XXXX which took them until XXXX to correct the problem and appropriate the funds correctly. I know they're able to go back and do it because they did it more than 90 days later. I would like for my {$1200.00} to go towards my mortgage payment and not the principal. I am a teacher and I work at a public school I don't have an extra {$1200.00} to drop on the principal balance. I paid on the bankruptcy for 3 years spending approximately {$60000.00} in which none of the mortgage stuff had been taken care of so when I got out of bankruptcy XX/XX/XXXX I went ahead and paid what the mortgage company was asking for the bankruptcy even though their attorneys said I owed nothing and they had been paid back. When we try to call the bank they don't respond, I have been hung up on, yelled at during this process and I think it's very unprofessional. Now I'm out of money and they just tell me it is what it is it's been over 90 days and that's how our system works. You're just out the money. I have asked to speak with supervisors and I've been told the customer service representative called them for me and told me they can't help.
Consumer complaint received 2022-02-11
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: CITIBANK, N.A. (MD)

I am writing to dispute the following credit inquiries on my credit report. These inquiries were not made nor authorized by me. 

The following inquiries/dates listed are fraudulent, unauthorized, and not made by me. I am requesting that each business that retrieved my information to remove this inquiry off my credit report. 

XX/XX/XXXX
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX card was emptied on XXXXXXXX. Apparently a hacker hacked my checking account with Bank of America and transfer funds to their personal account with same  Bank of America. My case hasnt been resolved they said investigation will take 10 business days and might get a temporary credit if the claim is prolonged but there is no guarantee I will get my money XXXX nor temporary credit. I want to make a police report for identity theft and retrieve the fraudulent person to put criminal charges against them but bank wont give me their information only the last 4 of the thief individual.
Consumer complaint received 2022-06-03
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I have an American Express Cash Preferred credit card, XXXX XXXX XXXX. On XX/XX/XXXX, I received {$7.00} in rewards from purchases that I made with this card in XXXX. I have {$6.00} in rewards due to me from purchases that I made over a month ago, on XX/XX/XXXX, but the rewards still haven't been posted to my account. When will I receive them? Why do I have to wait over a month???
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/2021 I sent a payment in the amount of {$1000.00} to a local business for the purchase of a transmission. The item was received in person and the sale was completed. PayPal is refusing to release the funds to the seller for 21 days. The " confirm receipt '' button on my payment transaction is not available. PayPal claims it is supposed to be available 48 hours after I sent the money to the seller, but there is no such button on this transaction via Desktop/Laptop using XXXX XXXX, my mobile phone, or any other device. 

PayPal Customer Service via phone can only promise to have " management '' look at it but each time they were supposedly opening a ticket I was conveniently hung up on. I have now made multiple calls to PayPal without being able to resolve this. I used my PayPal Mastercard to fund this transaction, so I will be forced to pay the {$1000.00} balance off BEFORE the seller even receives the funds. And, because PayPal is holding the funds, I will now have to take a check across town for {$1000.00} to pay the seller because they can not wait 21 days for the funds to clear. 

The CFPB should investigate this further and sanction PayPal because there are *DOZENS* if not *HUNDREDS* of similar complaints on forums and websites. In each case, the situation is virtually indistinguishable from my own. Buyer purchases an item in person, makes a rent payment, or sends money to a friend to pay for an item. PayPal states the buyer simply needs to click the " confirm receipt '' button to release the funds to the seller. However, the button does NOT show up up ( whether due to a technical glitch or intentionally ), and PayPal will not allow the Buyer to release the funds even if they fully verify their identity and request to do. It can only be done by pressing the button that does not exist. PayPal reps claim they are baffled that the button does not exist, but there is no easy process to open a ticket or receive customer service as each time I've called in I've been hung up on. PayPal needs to resolve this immediately. The CFPB should not allow PayPal to simply respond to this one complaint and avoid the broader problem that clearly exists.

I have an exceedingly long PayPal history and I purchased an item from a reputable business. I have contacted PayPal and told them the item has been received. They are holding the seller 's fund in violation of their own policies, and I believe this activity is intentional and collusive.
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

On the morning of XX/XX/XXXX I logged into my and my husbands checking account to check the balance and to prepare to make a consumer loan payment. The account had a negative balance. We have a joint checking account, consumer loan account, and the overdraft account all with Truist Bank. On XX/XX/XXXX a phone XXXX transaction was made in the amount of {$1500.00}. This threw the account into overdraft. I also had a {$36.00} overdraft fee. I immediately called the phone XXXX to speak to someone and attempt to find out who authorized the transaction. The amount was for two payments of the consumer loan. The first person that I spoke stated that my husband authorized the transaction. I explained to her that " no '' my husband has XXXX and has been in the bed and talked to no one on the phone. The call was disconnected. I again called back and explained the same thing. Again was disconnected. I was disconnected four times. On the last phone call I was told that it was with the consumer loan department and they were closed today. The lady told me at first that she would request a refund but that the refund couldn't be done until Monday. Then she changed her story and said that since the consumer loan account was behind they wouldn't refund the money. She stated that she would contact me back on Monday. I then contacted the local Truist branch via phone in XXXX, NC and spoke to a Banking Rep and was told that Truist has the authorization to take the money from my account. I told her that my husband had contacted Truist loan dept several months ago to get assistance with the loan as we were having some financial issues. He was told at that time that they could not assist. We explained that we would try to get it caught back up as soon as possible. I told the banking reps the same thing. She said that they would have assisted us if we would have told them back several months ago. I then told her that again we could get no assistance. The account was only 30 days past due as XXXX has 31 days and we were only on day 29 when both payments were made. Truist bank made a potentially life threatening transaction and needs to be held accountable. They left us with no funds available to secure any needed groceries for the week, no gas to drive to work, and with XXXX of us just getting over XXXX, the other two days positive into XXXX. If someone could please advise if we have any recourse to take towards Truist Bank it would be greatly appreciated.
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Auto loan with two signatures, my own as Step-Father to my Step-Son, a member of the U.S. military and the principal driver of the used vehicle. Loan has been paid on time and has approximately six payments remaining to completion.

Requested a lienholder agreement to have the vehicle shipped by the Federal Government from XXXX  to XXXX  due to XXXX XXXX. Seven phone calls and a variety of promises made brought an extreme amount of discontent, emotional distress, and absurd inconvenience. On several of these seven occasions ( which the bank indicates they have documented ), staff members promised the delivery of said letter. Indeed, they assured that it had been physically mailed on XX/XX/2021. When never received, on two instances members of the bank 's staff indicated they had satisfied the need and request by emailing a secure document, only to find that the document they had securely sent was merely a scan of the original sales agreement, not a permission letter to transfer the vehicle 's location.

In the meantime, my son had to ship out, so his vehicle now remains in XXXX. We have finally been provided the lienholder agreement, but in the interim he is suffering costs which would not have been necessary for XXXX  and Rental fees.

The bank indicates that, because they have finally delivered the document that was required, there is no accommodation, consideration, or reduction in balance that can be provided us in courtesy or compensation for actual damages, emotional distress, and/or inconvenience. We have escalated our requests all the way to a corporate officer, who indicated they would " document the call '' but that no remedies of any type would be extended.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

My wallet was stolen from the XXXX  on XXXX XXXX sometime onXX/XX/XXXX. I called the bank to cancel my account and credit cards. The following day, AFTER my account was flagged for fraudulent activity, the man who had my wallet was able to withdrawal {$550.00} from my growth account and make purchases from my spend account totaling {$160.00}. This puts my total stolen amount at {$710.00}. I have talked to the branch manager several times, explained that Im a single mom who NEEDS my money, and she was not able to help at all. She gave me the number for her manager and he has ignored my many calls. Because the bank wont give me my money I wasnt able to pay any of my bills or get groceries for my daughter and I. I am begging for someone to help me with this!!! They just keep saying they have to investigate, but the man who stole my wallet has been arrested and is in custody! Why in the world would they still not be able to give me my money! It was their mistake!!! How does someone withdraw funds from an account that has been flagged fraudulent! Please help me to understand.
Consumer complaint received 2021-05-03
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 have reached out to Transunion LLC

about two credit cards that does not belong to me. I have filed a complaint with the banks at for these credit cards and they verified that it does not belong to me, which I stated to Transunion. I requested them to investigate. I also requested a credit report during this wait. I investigated this matter with the credit card company where they helped me narrowed down that these info belongs to my brother who lives in the household as me. The bank was able to verify that this instantly. The bank sent this dispute to Transunion. Weeks later. However, the " investigation '' from Transunion came back where the " RESULTS - VERIFIED AS ACCURATE AND UPDATED. '' No information was provided on how this was true. The credit report also came. Information on there shows my name plus **obviously** another name. Did Transunion really do any investigation? There were not just credit card info but numerous other things that does not belong to me.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 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 2022-04-07
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: Experian Information Solutions Inc. (IL)

In accordance to the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-11
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. (FL)

On XX/XX/2022, I sent a communication to Equifax to investigate inaccurate items on my consumer report. 

It has been over 30 days and I have not received any response from Equifax regarding the investigation. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been over 30 days so they should be deleted promptly. 

Please see the attachment for your reference.