davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (LA)

In accordance with the fair credit reporting act Citibank XXXX. - # XXXX violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Citibank XXXX. XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to Privacy. And according to XXXX XXXX XXXX ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX ( a ) ( XXXX ) section states : no consumer reporting agency XXXX make any consumer report containing any of information. Any other Adverse item of information other the records of convictions, of crimes which antedates the report by more than XXXX years. 
XXXX XXXX XXXX ( A ) XXXX. A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate or incomplete. 

UPON the receipt of documents herein and of this notice. You are hereby notified Pursuant UCC XXXX - XXXX. Your prompt attention and response are both requested and required. Citibank XXXX XXXX. # XXXX Signature XXXX : XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XXXX Experian received a dispute requesting to remove these accounts Account Name : XXXX Account XXXX XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX and also to provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Today is XXXX the XXXXXXXX XXXX More than 30 days have passed and you have not been able to provide the requested information. Remove these accounts from my reports as you are in violation of my rights. 

15 U.S. Code 1681i - a states that if you aren't able to meet these stipulations you are to remove the accounts from my report!
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Around XX/XX/2018 I started the process to open a XXXX XXXX account that provided an debit card. In order to open this XXXX XXXX account, there was a lot of forms that needed to be filled up. I was also under the impression that the debit card would be XXXX XXXX  compatible as shown on their website. When I received the card, I attempted to add this to my XXXX XXXX  wallet, but it kept failing. 

When I reached out to XXXX XXXX about it, they told me that the account type I opened was incorrect and they would be happy to open the right account type for me. Unbeknownst to me, they ran a hard credit inquiry on me. When I found out about this I called XXXX XXXX again about it, and they apologized for it and had me close the new account. They also said they would contact the credit reporting agency ( Equifax ) to retract the inquiry, and I would have to wait 90 days for this to take effect. 

90 days have passed. Equifax still has the record, and XXXX XXXX conveniently passed this off as my responsibility to contact Equifax. When I talked to Equifax, they refused to help me or give me any status update about this, telling me it is XXXX XXXX 's responsibility to remove the inquiry. 

At this point, I'm out of options as both parties ( XXXX XXXX and Equifax ) have refused to offer any assistance.
Consumer complaint received 2021-05-04
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 ()

On XX/XX/XXXX my PayPal account got permanently Limited and thus I have been banned from conducting any business with PayPal, including withdrawing my outstanding balance of {$1200.00} on account using email address ( XXXX XXXX and there has been a 180 day hold on the money.I have been conducting regular business and Withdrawals through PayPal, no drastic changes have occurred on the account so I feel I was unfairly cut off by PayPal as they did not specify their reason as to why they have decided conducting any further business me would be a risk.This account freeze ha out a stop on my business I hope to have my account reinstated soon.
Consumer complaint received 2023-05-26
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-05
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

A replacement debit card was requested without my consent and expedited to an address that was never associated with my account. The card was than used to make several withdrawals from my checking account at ATMs out of state. Approximately {$2000.00} was withdrawn from my account before I became aware at which point I canceled the card to prevent further issues. I submitted a claim to chase which they denied because they indicated they used my pin. I provided documentation to show I was nowhere near where the transactions occurred and my claim for unauthorized transactions was still denied.
Consumer complaint received 2018-12-08
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: ID Analytics, Inc. (FL)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : 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 I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX from XXXX XXXX  and I believe I have been compromised.
Consumer complaint received 2023-05-26
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MO)

CitiMortgage has failed to properly service our mortgage loan and we are facing a foreclosure sale. We had to file bankruptcy to try to get our payments back in line, but it is only a matter of time before our home is lost through foreclosure. We feel this is very unfair since they have never completed a review for mortgage retention options, even though we have complied with every request they have put in front of us. We killed an entire forest of trees trying to get them the documents they needed over the last few years, but this has yet to get our loan to their underwriters. We fell on difficult times financially and fell behind on our mortgage payments. We had no other choice given the situation we were in at the time. We have tried for years to work with CitiMortgage, but they have not provided any offers of loan modification or repayment plan. We feel though that their representatives have treated us with indifference towards our situation and have never really worked on getting our mortgage payments back in order. Our income was reduced when I suffered business losses and then my wife lost her job a short time later. Now that we are in foreclosure and apparently will be facing imminent eviction, we need your help to ensure that we have the opportunity to save our home. It would certainly be travesty if we lose our home due the inability of CitiMortgage to get our information into a reviewable format. We also have never had a single point of contact with whom to discuss our circumstances. This we understand is something that should have been provided to us. We want the opportunity to ensure we maintain our home for our family and live here the rest of our lives and thus will need your intervention.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: August Real Estate Investments, LLC (TX)

Incorrect comments reported under loan servicing company regarding a mortgage I had with and investor. August REI has not and will not update status to Release of Lien vs. Deed in Lieu of Foreclosure although the investor has filed a Release of Lien. Service Company not involved in agreement.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have been a victim of fraud and id theft, XXXX, transunion, XXXX all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MS)

XXXX XXXX XXXX that we did not stay in due to violations of the airbnb policy upon arrival, we never stayed at the XXXX XXXX we left XXXX minutes after arriving due to inhumane circumstances. I have documentation to back this up. I file for a dispute because I never received the service I paid for.I filed for the dispute in XXXX of XXXX. XXXX was failure of consideration, not functioning, bug infested in the. Beds, sheets dirty, floors dirty, blinds broken in privacy rooms, The XXXX was not clean and livable for nobody to stay in. False advertisement in the description and listing of the XXXX, no smoke alarms. Theres more but everything I listed was in violation of the XXXX. My family and I had to leave after tiredness of driving many hours to get there to turn around and drive around until XXXX. to find a hotel to sleep in. The XXXX  listing was very deceptive. The business was deceptive and unfair and as a consumer I have my rights to dispute for services I never received.From my understanding the owner of the airbnb and the company conducted false, misleading and illegal business practices. Section 75-24-5, Mississippi Code of 1972, is brought forward as follows : XXXX. ( XXXX ) Unfair methods of competition affecting commerce and unfair or deceptive trade practices in or affecting commerce are prohibited.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This CFPB Complaint is being filed due to Experian not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX in regards to the violation of my by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX
Consumer complaint received 2018-12-09
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: Experian Information Solutions Inc. (CA)

Ist the XXXX XXXX - reported erroneously that I was over 30 days late, which I was not - they even reported before 30 days Payment is Due every XXXX of the Month - which was Paid on the XXXX ( see attached payment from my Bank ) XX/XX/XXXX XXXX XXXX reported I was 30 days Late - I received an email from Experian, XXXX  and XXXX on XX/XX/XXXX that my Credit Score dropped 100 points because of this - as mentioned above payments are Due on the XXXX - which means it is not Late until XX/XX/XXXX ( I immediately filed Disputes with each Credit Agency on the XX/XX/XXXX after the payment was cashed and 12 days before it would be late ) I guess they did there diligence - and ask XXXX XXXX if their report was correct, which again it was well within the time frame and if they did not have payment - it still had another 12 days before it was late. 

This is ludicrous that they report me late before the day and after they were paid?? 

( so I pulled the month prior XXXX payment same thing paid and they received well before due ) XXXX XXXX needs to be Disciplined - meanwhile, because of the false reports, my Credit is Devastated my FICO Score
Consumer complaint received 2018-12-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Optima Advocates (WA)

Received a call from one of their representatives in XX/XX/2018, telling me about student loan refinance and pay off at a lower and more manageable payment. Put me on a payment plan, while mentioning that it would be for my student loans. After a few months, payment of more than 5k to Optima Advocates, they said they were finalizing a settlement action with Student loan servicer and would take a few months to settle. 
Called and emailed in XX/XX/XXXX to get an update, said it was in the process and would email/mail me information sent to my Credit Bureaus and loan servicer, it is XX/XX/XXXX and still have not received information. Called and emailed again XX/XX/XXXX and XX/XX/XXXX, said that the case manager is on leave for medical issues and she is the only one who has access to my file. Called them XX/XX/2018, spoke with quality control manager and told me they are putting my file together to get an accurate information to send to me. They will follow up again on Monday. They have said this multiple times with no updates
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (UT)

I took out a loan with Affirm for a purchase from XXXX on XX/XX/XXXX for {$1300.00}. I ended up returning the item to XXXX shortly thereafter and XXXX reports they issued the refund back to Affirm on about XX/XX/XXXX for {$1300.00}, the full amount. 

Affirm never acknowledged the refund until I contacted them on XX/XX/XXXX. When asked why they held the funds for so long and why the did not apply them to my account/ loan within a reasonable amount of time after receiving the funds from XXXX they, I was told that sometimes the refund get " stuck. '' Affirm had the refunded money, but continued to withdrawal the monthly payments from my account. I am sure the Affirm will refund the payments now that the loan is satisfied with the refunded money, but it seems crazy that they held the funds for well over 30 days and only applied the refund to the loan once I contact them. 

See the attached chat log with Affirm that took place on XX/XX/XXXX.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CO)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The following companies are reporting fraudulent inaccurate activity information on my credit report. I have requested that they provide the purchase agreement and any other relevant information to show full ownership of such accounts so that I may review to see if this is actually an account that belongs to me. 

XXXX XXXX XXXX I have no contract with this company, nor do I have a contract with XXXX XXXX XXXX.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank would not give me another debit card because of a change phone number. I came in person, verified my identity and the agent said I would get the card in a few days. It's been a month and they still haven't given me access to my bank account. I told them if they don't give me a working card, I'll be closing the bank in which the agent refused to answer back. It's the most corrupt bank in the world, the most fraud to ever commit here too. They sit here and violate my rights consistently and I am sick and tired of it
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (SC)

We made a purchase with Arhaus on XX/XX/XXXX for XXXX. This amount needed to be paid off under the no interest promotional plan by XX/XX/XXXX. We made payments every month that more than totaled the amount of this loan over time, however, we made another purchase in the middle of this loan with a new promotional plan/time. And instead of allocating our payments to the first promotional purchase, Arhaus credit card company ( Comenity/Bread Financial ) separated the payments, making it so that the original purchase would not be paid off on time. They did not tell us how they were allocating the payments or let us know that we could change how the payments were allocated, so we thought we were making our payments to the correct purchase ( the one that would expire first ). On XX/XX/XXXX when I went on to pay our balance in full, they charged us {$12000.00} in interest, claiming that we did not pay off our promotional plan on time. They refused to give more details on how it was calculated. They more than doubled the balance we owed them when we were about to pay it in full.
Consumer complaint received 2023-05-26
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.