davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (KS)

My son transferred {$5000.00} to me on XX/XX/XXXX using Venmo. When I tried to transfer the money into my account they said it would be available in three business days. Every day I logged on to get my money they had pushed the day out further until last week they said it would be available on XX/XX/XXXX. Now they have locked me out of my account and they still have my money. I have tried everything possible to get this money. Their customer service seems to be all AI and is no help at all. I filled out an online form to request help and that has been ignored as well. I don't know what to do but I need my money.
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AZ)

I have tried calling. Citibank to verify my account after I opened the card and made XXXX purchase and my account was flagged for fraud. I Tried calling them XXXX  times. They want to verify using my phone number, but she couldnt get a text wont go through. They also tried texting XXXX other Members of my family and none of the texts went through. Its a stupid system. Since they cant verify my account, they refuse to let me user my card. Why cant they send an email to the email in my account?? Its a stupid system and now I cant use my card. I dont know what else to do. Something needs to be done about their fraud protection system. It doesnt work and makes no sense.
Consumer complaint received 2023-07-19
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. (TX)

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 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (PA)

XX/XX/XXXX of XXXX, I received an insufficient funds notice. I thought this can't be right I have about XXXX in my account. I had sold my home and put the proceeds in my account. I had been living in XXXX for 5 years and never in all that time did I write a check. My former tenant was the purchaser of the home. Shortly after the closing, he must have found some old checks in my husband 's desk, He started forging my name and wrote XXXX checks to himself. Totaling XXXX. M & T bank knew me as a customer. they knew my renter, they gave him a mortgage on the house... they never once alerted me to a single transaction. For years, I had an understanding with the bank to alert me of any transaction over XXXX. They allowed all these forged checks to be paid out. Some were for XXXX, XXXX. XXXX ... I was not alerted to any one. Just when he had cleaned me out! Matters were made worse when I was told that no banking regulators in PA could do anything, as M & T are headquartered in NY. I need to be made whole for this terrible theft and criminal negligence on M & T 's part. The State Police were involved and XXXX XXXX XXXX... but while I am waiting for a solution ... the thief just burned the historic brick Building down to the ground.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (LA)

This is a list of companies reporting to my consumer report without my permission and Im requesting to get them deleted asap! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-03-27
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)

The company is inaccurately reporting accounts on the credit profile assigned to my social security number. There are accounts showing as OPEN and CLOSED with late payments or owed balances that are not active. These accounts are reporting inaccurately and need to be removed from my profile. This is a violation of my consumer rights. Accounts : XXXX XXXX, XXXX XXXX XXXXXXXX showing XXXX XXXX usage, XXXX XXXXXXXX showing XXXX XXXX  usage, XXXX XXXX showing 87 % usage and open.
Consumer complaint received 2023-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

" Specialized Loan Servicing will not provide an accurate payoff letter. They have added forced placed insurance and late fess and additional principal to the payoff. 
They will not provide me a life of loan schedule for the loan. I was forced to make a payoff or lose my house. I have engaged and attorney ( XXXX XXXX ) from XXXX XXXX for Help. They refuse to talk to me and i have been extremely disappointed and this has caused undue stress of my marriage and health. My records indicated an accurate payoff of $ XXXX. They would not release my mortgage so i could sell the house unless i paid them $ XXXX. We had to come out of pocket for the costs. This loan has been purchased several times and all i am looking for is an accurate payoff that shows the principal for the life of the loan. I have been paying on this loan for in excess of 15 years
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had a car loan through capital one auto finance. I originally got the vehicle in XXXX. Throughout the time I had the car, I was struggling due to the pandemic, I fell behind and it was very tough to stay current on payments, I did my best to make payments and get caught up but the pandemic made this very difficult. From XX/XX/XXXX through XX/XX/XXXX I made late payments. I was in contact with capital one auto finance regarding my hardships. They had waived late fees and had tried to put payment plans in place. They still made negative reports on my credit regarding this situation, knowing that the cares act protects situations like this. When calling to and speak to them now that the loan has been satisfied in full, they wont provide me with a deletion letter or do anything to remove the negative marks on my credit report.
Consumer complaint received 2024-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC (VA)

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX for XXXX plus or minus the taxes and all that. There is a line in the contract that states the interest rate is negotiable. Now that is unfair and deceptive tactics because Carvana will not allow you to adjust it. And this contract is held in Va and the law states the interest rate can not exceed 12 %. My loan at the time of contract was Carvana LLC an online car delearship that is funding the loan. They are not a finance company nor are they bank or saving institution which would allow more interest over 12 %. They try to get around this because as soon you sign the contract they then initiate another transaction and sell your loan to XXXX that services the loan. And holds the title yet Carvana LLC is the lien hold holder. These are two separate entities. Furthermore they are giving kickback from XXXX  to Carvana. Which is not disclosed on how much which is required. This loan is null and void if they do not adjust the interest rate to legal limits.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I am writing to file a formal complaint regarding the denial of my credit card application by Discover, which I submitted on XX/XX/year>. I believe that the denial of my application did not comply with the requirements set forth under the Equal Credit Opportunity Act ( ECOA ), specifically 15 U.S.C. 1691 and 12 C.F.R. 1002. According to 15 U.S.C. 1691 and the implementing regulation at 12 C.F.R. 1002, creditors are obligated to provide a clear and specific explanation for any adverse action taken on a credit application, including a denial. The notice of adverse action that I received does not meet these requirements, as it fails to provide : 1. A clear and specific reason for the denial : The notice does not adequately explain the precise factors or criteria that led to the adverse decision. 2. Information on my rights : I was not provided with the necessary information on how to obtain a copy of my credit report or dispute any inaccuracies. I believe that the lack of detailed information provided in the adverse action notice is inconsistent with the requirements of the ECOA and its implementing regulations. As a result, I am unable to understand or address the reasons behind the denial of my credit application.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I spent XXXX weeks in XXXX recently. During the latter parts of my trip we were in XXXX. During XX/XX/XXXX I lost my card in XXXX and during that time there was a XXXX $ charge made on my card. Due to not wanting to be stuck in XXXX with no money I didnt freeze the account. The same situation happened on XX/XX/XXXX where there was an unauthorized charge for XXXX $ on my account. I got a fraud alert for that charge. XX/XX/XXXX I went to my local chase bank and asked to submit a claim for the XXXX charges. They submitted it for me. 4 days later I get a notice my claim was denied and after calling I find out it was due to me having other transactions made in the city during the same day. I also was dont I can not refile due to the fact that I was able to retrieve my card at the end of the trip.
Consumer complaint received 2023-03-27
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. (FL)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account XXXX XXXX Account Name XXXX XXXX  ( Original Creditor : XXXX  ) Account # XXXX Account Name : XXXX XXXX ( EQUIFAX ) Account # XXXX Account Name : XXXX  Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name XXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. ()

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX ( XXXX XXXX ), which involved me making deposits for a total amount of XXXX CAD from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Between XX/XX/year> and XX/XX/year>, I have been a victim of a multilayered scam operation orchestrated by a professional scammer, to whom I was sending the money and, who in return, sent me fake checks! I realized I was scammed after the first few checks bounced back, and as a result, this totally ruined my credit score. Money was transferred from my PayPal account in the total amount of XXXX USD utilizing their services.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX - asked Citi to refund an incorrect payment of {$2400.00} XXXX XXXX - followed up for payment, runaround through customer service, getting hung up on, unable to speak to someone directly since then, I've filed a complaint with the XXXX  but it was closed by Citi, cant speak to a representative, they then closed my card ( s ), charged over {$5000.00} to my closed card ( fraudulently ) and won't provide a resolution, now charging interest and late payments, causing my credit score to plummet due to high credit utilization, " non-payment '', delinquent account, threatening to send it to collections.
Consumer complaint received 2023-07-19
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. (FL)

As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ).

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms.

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer. 

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system. 

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of XXXX XXXX XXXX ( a ) ( XXXX ) and safeguard the rights of consumers. 


.
Consumer complaint received 2023-07-19
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)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Aggressive Dispute of Unauthorized Address and Hard Inquiries on Credit Report To Whom It May Concern, I am writing to express my extreme frustration and dissatisfaction with the unauthorized entry on my credit report. I recently discovered that an address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reported without any form of authorization from me. This unauthorized entry has severely affected my credit standing and caused undue distress.

Section Codes : According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( A ), I am entitled to know how this address was verified using my identification details. I hereby request you to provide explicit details regarding the verification process, including the method used and the documents utilized to confirm my association with the said address. 

Additionally, I vehemently dispute three hard inquiries that appeared on my credit report on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These inquiries were made without my knowledge or consent, leading me to believe that my personal information has been mishandled or misused. 

I demand an immediate investigation into the legitimacy of these entries. As per the FCRA, Section 611 ( a ) ( 1 ) ( A ), it is your obligation to ensure that the information on my credit report is accurate and up to date. Failure to uphold this responsibility will result in legal action being taken against Equifax for non-compliance with federal regulations. 

I insist that you remove the unauthorized address and the disputed hard inquiries from my credit report promptly. Failure to take appropriate action within 30 days from the receipt of this letter will result in the involvement of legal authorities and relevant regulatory agencies. 

Please provide me with written confirmation of the actions taken to address my concerns, along with an updated copy of my credit report reflecting the corrections. 

I expect your full cooperation and compliance with this matter. Your prompt resolution of this dispute is of utmost importance to rectify the damage caused to my credit standing.

You may contact me at XXXXXXXX XXXX XXXXXXXX to discuss this issue further. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of unauthorized accounts that are currently reflecting on my credit report. These accounts are not mine and are adversely affecting my credit standing. 

Details of the unauthorized accounts are as follows : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

I have attached copies of documentation that support my claim. 

I kindly ask that you investigate this matter and remove these accounts from my credit report as soon as possible. Please confirm the outcome of your investigation in writing.
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Im currently on a FEMA natural disaster mortgage forbearance plan. It Started on XX/XX/2023. According to XXXX XXXX guidelines I have up to 12 months to be on forbearance. As of today Im still actively participating in the plan. However during my call to fifth third bank last month to extend my forbearance the telephone representative might or might assumed Im on a regular forbearance and is not protected by credit reporting. as of now there is a negative remark reported for month on XX/XX/2023.
Consumer complaint received 2023-07-19
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. (NC)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.