davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

Chase bank recently gave me issues regarding checks I deposited. The issue started when I deposited a {$2000.00} check. They claimed that they could not get a hold of the bank to verify funds so there was an extended hold on it. I called the bank and was able to get a representative right away. The check issuer called the bank while I had Chase on the phone a few days later and they confirmed that they released the funds to Chase Bank so there should not have been a hold. They released the funds then. I consistently deposit church checks in the amount of {$250.00} into my Chase checking account every Sunday and I've never had an issue with them releasing the first {$200.00} with a hold of {$50.00} and they never had an issue with receiving the funds from the bank that the Church banks with. This problem started after the incident with the {$2000.00} check and I feel that this is being done on purpose because of that {$2000.00} check where they had the funds but refused to release them.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Hello : I have had a PayPal account for personal use for over 10 years. I just received a notification that for " Possible '' risky activity, they have permanently suspended my account, tried to " Close '' the account and they will not let me. When I finally was able to contact a representative, I was told that she could not see anything on her end, regarding my account, that could lead us to understand exactly what it was that triggered the suspension. Thus, she informed me that she would send the case upwards for appeal. I just received a notification that upon reviewing my account that their Permanent Suspension would stand, still without any specific reason given other than " POSSIBLE '' risky activity and as such per their Terms of Service they have the right to refuse service. 

The takeaways here are that ONE : There is no stated actual rationale for the suspension.

TWO : That while I can still log in and view my account, I am blocked from engaging in any activity, such as buying or sending money, the only activity I have ever used this account! 
THREE : I have been informed, via the website, that I am unable to close this account, as such my confidential information is open to being " Hacked ''. 

I have done some research into this and it seems that for some reason, not stated, PayPal has been doing this to it's customers for some time and as far as I can tell it is happening more and more frequently. 

The goal here is to either have my account re-instated without prejudice, PayPay held accountable, or to have the ability to close this account ( again without prejudice ) so that I maybe able to reopen my account with new and updated credentials... PayPal is one of the very few ways to be able to purchase goods and services on-line and thus is very important to have available for use. Lastly, to be informed as to EXACTLY what it was or is that triggered the suspension to begin with!!! 

I was going to try and upload a screen print of the chat session I had with PayPal and it is no longer available for review!! 

Thank you for taking the time to review my issue. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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. (FL)

Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letter. I sent it on XX/XX//2022 but to now, a month has passed. I still haven't received any response from you yet. I was told by a XXXX XXXX from an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-07-27
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)

On or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed derogatory remarks on my credit report that are inaccurate, invalid, and are in violation of my consumer rights. I have worked to address this issue via disputes with the creditor directly, XXXX, XXXX, Equifax, and the likes. Unfortunately, this creditor continues to report inaccurate information and the consumer reporting agencies are allowing this inaccurate information to be shared with others. For example, the reports are showing a CLOSED account with a CURRENT PAID status of OK. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions After, several attempts to resolve this issue to no avail I am filing a formal complaint. These organizations should be held accountable for not being in accordance with the law.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

XXXX, XXXX, and equifax Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX  till currently committing fraud as well as XXXX XXXX, and XXXX XXXX XXXX with 4-5 derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them
Consumer complaint received 2023-05-19
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. (NC)

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. 
XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-16
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: SYNCHRONY FINANCIAL (IN)

The company offered a {$50.00} reward if I charged at least {$500.00} on the card in the month of XXXX. I did that. However, I did not recieve {$50.00}. when I complained, I was told Venmo is not responsible for their card. That makes no sense. How can Venmo not be responsible for promised made in their name and on their card? 


" Limited time offer : score a {$50.00} bonus when you spend {$500.00} with your Venmo Credit Card by XX/XX/2022. ''
Consumer complaint received 2023-05-19
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. (MD)

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion, XXXX, and XXXX Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX till currently committing fraud as well as XXXX XXXX and XXXX XXXX XXXX with 4-5 derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them
Consumer complaint received 2022-09-24
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (FL)

I was approved for Homeowner Assistance Fund payments in late XXXX. I received an award letter for my entire past due balance of {$27000.00} and 13 months of forward payments ( {$1600.00} ) on XX/XX/2022. 

I was contacted by my HAF counselor and informed that the past due check was sent on XX/XX/2022 and that forward payments would begin on XX/XX/2022. 

I have contacted my mortgage company several times and have been unable to find out if they have received any payments. I was initially told in the end of XXXX that they received my approval letter and that my account was in the loss mitigation closing department awaiting the payment from HAF. I called again and was told that no payment had been received yet but someone would call me within 24 hours to let me know the status of my account. I did not receive a return phone call. 

I waited a couple of weeks and called back and was told the same thing. No payment applied, no return phone call. 

I have placed several phone calls to my mortgage company and can not find out any information about any payments made to them or the status of my account. 

Please advise as to my next steps.
Consumer complaint received 2022-08-30
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: Santander Consumer USA Holdings Inc. (TX)

In accordance with the fair credit reporting act XXXX  account #, 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 that a consumer report agency can not furnish an account without my written instructions. 
. 
15USC 1666B : a creditor must not treat a payment on a credit card account or any loan account under an open end consumer credit plan, as late for any purpose.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TN)

I recently had my credit pulled. I had a very small debt for a cosigned apartment for my daughter on a lease in XXXX. I tried to dispute it but since I paid it immediately, they told me that was an admission of accuracy. So, no big deal. It was like {$89.00}. They have continued to report it 90 days over due as recently as XX/XX/XXXX. On XX/XX/XXXX, I called them and they said I couldn't speak with anyone I could only email XXXX XXXX. I did so. XXXX XXXX has not addressed nor acknowledged my email. And I see it's still inaccurately reporting. It does show {$0.00} balance but continued late reporting.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-07-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GATEWAY FIRST BANK (TX)

On or, about XX/XX/XXXX I attempted to get my home and decided to go with Gateway Mortagage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Gateway Mortgage Group, a division of Gateway First Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX office ( XXXX ) XXXX mobile ( XXXX ) XXXX fax XXXX And attempted to get a PREQUALIFIED. When that when smoothly. I was assured that my XXXX was {$270000.00}. I then proceeded to go shop for a home for my son and I. Once finding our home I started the process by giving the owners XXXX or, XXXX XXXX of earnest money. After several conversations and several factors that came to light by the end of the month. Primarily my credit score. XXXX XXXX decided it was best to wait til this credit cleared and THEN close on the loan. 
By that time I missed my option period and loss my XXXX due to time constraints. I then received the bad news XX/XX/XXXX that the loan is no longer going to be able to move forward. I feel this shouldnt have been brought up at all. I gave every document with email traffic to prove it. She then proceeded to blame me for my typo when Im fact they have a screeners and safety checks to ensure this doesnt happen. I want my XXXX money back and all I got was I cant. 
As a XXXX I am now without a home and loss what little savings I had for this. Please help me! 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have been trying for 3 weeks to get a transaction history of my mortgage account with Truist back through XX/XX/XXXX. Online data only goes back to XX/XX/XXXX. I need this information to satisfy underwriters for a new mortgage I have been trying to settle on at another company. 

My mortgage with Truist was under forbearance and so nothing was reported to credit reporting agencies, yet I was charged late fees for the first XXXX months of forbearance. I have asked Truist to refund those fees. I was verbally told when I entered forbearance that it would begin XX/XX/XXXX, however it was nearly another 7 months until I received a copy of my Forbearance Plan, by letter dated XX/XX/XXXX, and it was unclear about the status of XX/XX/XXXX and XX/XX/XXXX. 

Forbearance ended after suspension of my XX/XX/XXXX payment. The underwriters for my new loan do not understand how Truist was reporting my XX/XX/XXXX payment. A letter to me dated XX/XX/XXXX states that no fees will be assessed nor reports made to credit reporting agencies while they processed a final solution. 

I have talked to the manager at my local Truist branch, but they do not have access to mortgage records and told me to call mortgage services. The first time I called, they promised to email that information in 24-48 hours, which they did. However, they failed to tell me that it would arrive in a time-sensitive email or that it could not be opened by any mobile device, which is all I own. The sender did not respond to my email request for additional help opening the email. The second time I called, they promised to resend the transaction history after suggesting I ask Suntrust bank instead and would expedite my request and it would likely arrive in 24 hours. It did not arrive at all. The third time I called, the surly man who answered told me it had been mailed instead on XX/XX/XXXX. When I asked to speak with a supervisor, he disappeared from the conversation without telling me I was being put on hold for so long I thought the call had dropped. Then he came back on the call and asked if I needed anything else, saying no supervisor was available and he scheduled one to contact me. That never happened. 

I need this transaction history to settle on another mortgage. I dont understand why it is so difficult for Truist to provide it.
Consumer complaint received 2022-08-30
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. (AZ)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (FL)

There was a recent issue where my credit file was mixed with someone else. So I disputed the accounts. Specifically XXXX car loans. Carmax and XXXX lending. I have no signed contract or have I ever obtained loans with them. The accounts appear open on my credit. I spoke with Carmax last year because I had a similar issue with another credit bureau and the situation was fixed. Its been more than 30 days since I disputed the information with XXXX. I never received an update and the information on my credit is false and unverifiable. Both companies verified I have no loans in their system. Furthermore my credit file shows as being locked. A creditor was able to actually pull my report and the fraudulent account show in result I was denied credit. When I login into my XXXX the information doesnt show but XXXX XXXX these fraudulent account to creditors. There are multiple accounts that appears as open on a consumer report but when I contacted the creditors on the report they stated they dont have my information in their systems.