davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (WY)

I applied for and was approved for a credit card limit of {$4200.00} by DISCOVER. The card was sent to me and received by me at the address provided to DISCOVER at the time of the application in XX/XX/2019. 

Later in the month, I received correspondence requesting confirmation of my address. I immediately returned the correspondence, which was within the time parameter provided by DISCOVER. 

I received a letter in XX/XX/2019 stating that the credit card account was " closed ''. I sent a letter to DISCOVER requesting a specific reason for closing my account. 

XXXX XXXX, Executive Office of Customer Advocacy, left a voice mail on my cell phone requesting that I call her about my account. I called back and left a message on her voice mail. She did not return my call. I called a second time. This time I was told that Ms. XXXX was not available, but that the lady who answered could help me. I gave my information and was placed on hold. On returning to the call, the lady told me that my account was closed. I asked for a reason for this action and was told only that " a business decision was made to close my account ''. When I asked for the specific reason for this business decision, I was not provided a reason for their " business decision ''. 

I immediately wrote to the company stating that I would file a CFPB complaint if I did not receive a satisfactory reason for the " business decision '' to close my account. In response, I received a letter from XXXX XXXX at the address provided in the application, and on the prior correspondence requesting confirmation of my address, restating that " a business decision was made to close my account ''. No further information pertaining to the reason for closing the account was provided in the letter nor was further information from me requested. 

At the time of the application, my excellent credit score was around 750 or more from all three credit reporting agencies.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Yes, on XX/XX/2021 collection item number XXXX that was placed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX on me for the amount of {$1400.00} was paid in full. I have the collection letter to put in this complaint. I found the collection on my XXXX report along with them using both the name and initials on two separate claims on XXXX. When I disputed that XXXX was taken off entirely because they did not report to XXXX the fact that put a reported account into collections as well. 

A short time later I found XXXX once again on my Transunion report, and I made contact with them telling them I paid the debt thru a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX is their number. Anyways XXXXI told me they had a right to still report my debt. I asked them to please at least mark it paid account. They told me no. So I went to Transunion and disputed that XXXX  account to find them sending many decisions based on something other than what I was informing them about the payment thru XXXX XXXX XXXX XXXX XXXX 

Please help me get this resolved. Every time I contact them a young child-sounding person is telling me what I need to do. I do exactly what I told you before in this submission. The attachment to this letter shows my attempt and how discussed I have become over trying to dispute this matter for nearly two years. Please help right away. I'm sick of seeing it.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/2022 I attempted to make a payment to my roommate for {$450.00} drawing from my savings account ( XXXX XXXX XXXX XXXX ), my roommate received the funds ( {$450.00} ) to his Paypal account, but on XX/XX/2022 he notified me that the funds had been removed back from his account. After contacting Paypal to see why the funds were withdrawn from his account I was notified that they were unable to retrieve the funds from my bank, and that later my bank had filed a dispute and the funds had been returned. I never filed a dispute with my bank so I contacted them, ( XXXX XXXX ) and they had no records of the transaction whatsoever involving my account or request for funds from Paypal involving my account. My bank advised me to check with Paypal to ensure the proper account number and/or routing numbers were used. I contacted Paypal again multiple times trying to verify the full account number and routing numbers so I could try to find where the funds were sent, on multiple occasions I was transferred to various departments to try and trace where the funds wound up, and told that I would receive contact with the information within 24 hours, but never received the requested information on any occasion. I have now received a letter from a collection agency for the funds even Paypal has failed to provide the requested information of where the funds were sent or verification of the full account/routing numbers.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On Friday, XX/XX/XXXX, I opened an account with Bank of America with a check in the amount of {$5300.00}. The check was a distribution from my Roth IRA written out from XXXX XXXX and drawn against XXXX XXXX. 

On Saturday, XX/XX/XXXX, I could no longer access the account. 

Upon contacting Bank of America on Monday, XX/XX/XXXX, I was informed that the XXXX XXXX had flagged the checked as counterfeit and that Bank of America was taken the action to close the account. At this time, the account had {$2100.00} in it. 

I immediately contacted XXXX XXXX and informed them of the situation. They, in turn, had contacted XXXX XXXX to determine what had happened. XXXX XXXX called me on XX/XX/XXXX to inform me that XXXX XXXX had NOT deemed the check counterfeit. They had cashed the check and provided the funds to Bank of America. 

On Wednesday, XX/XX/XXXX, I called Bank of America to inform them of the information from both XXXX XXXX and XXXX XXXX. Bank of America informed me that they wanted XXXX XXXX to tell XXXX XXXX to request a " return of funds '' from Bank of America to XXXX XXXX for the remaining {$2100.00}. Bank of America was not going to reopen my account and they were waiting for XXXX XXXX to return the " counterfeit check ''. 

On Wednesday, XX/XX/XXXX, I called XXXX XXXX to inform them of Bank of America 's request. XXXX XXXX requested that Bank of America provide them said request in writing so that they could look into what was being asked. I called Bank of America to request the information be faxed to XXXX XXXX in writing. Bank of America refused to do this. 

On Thursday, XX/XX/XXXX, I called Bank of America to figure out what exactly we could do to release the {$2100.00} currently in their possession. They informed me that the Bank of America Fraud Department would open an investigation into the circumstances of my account closing and the remaining money. I was told it would be five business days to complete the investigation. 

On Wednesday, XX/XX/XXXX, I received a letter ( date XX/XX/2022 ) from Bank of America informing me that they decided to close my account. I also received a letter form XXXX that they received negative information about an account I am associated with ( assuming this to be the Bank of America account ). I called Bank of America to inquire about the status of the investigation since it had been almost 3 weeks. I was informed that there had been no status updates on the investigations and that there was no time line to start the investigation.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (GA)

Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr XXXX one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : Monterey Coll XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, XXXX, XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S Code 1681A- Definitions ; rules of construction- Exclusions.- Except as provided in the term " consumer report '' does not include and report containing information solely as to transactions oe experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may treat a payment on or a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (LA)

Subject : Urgent Complaint : Deceptive Delays and Emotional Trauma Caused by US Bank 's Title Release Failure Dear US Bank Leasing Department, I am writing to express my extreme dissatisfaction and emotional distress caused by the unacceptable delay in releasing the title for my leased vehicle. After diligently fulfilling my obligations by paying off the full lease amount 90 days ago, I am now facing the dire possibility of losing my car due to US Bank 's repeated failure to send the title. 

45 Days of Inconsistent Responses and Wreckless Negligence : In the past 45 days, I have placed at least 4 calls per week inquiring about the title 's mailing status. Each call yielded inconsistent and unhelpful responses, further adding to my frustration and anxiety. This blatant disregard for my concerns and urgency represents a level of negligence that is simply unacceptable. 

Imminent Threat of Car Repossession : My new financier, adhering to their strict 60-day policy, is prepared to repossess the vehicle if the title isn't transferred to their name within that timeframe. This impending deadline hangs over me like a dark cloud, causing immense emotional trauma and stress. 

Financial and Emotional Damages : Due to the missing title, I have been forced to pay two months of car payments while being unable to drive it. This financial burden is compounded by the additional costs of relying on XXXX and borrowing other vehicles for my transportation needs. The constant worry and frustration of chasing unresponsive representatives has taken a significant toll on my emotional well-being. 

XXXX Efforts Rendered Futile : Even the XXXX XXXX XXXX XXXX, after receiving the title twice from US Bank with correction requests, is unable to assist me further. They have confirmed that the onus lies solely with US Bank to initiate the final mailing of the title. 

Deception and Lack of Accountability : The entire experience has left me feeling deceived and powerless. The lack of accountability and transparency from US Bank representatives is deeply concerning. I demand immediate action to rectify this situation before my car is repossessed. 

Urgent Demands : Sincerely, XXXX XXXX
Consumer complaint received 2022-08-24
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. (IN)

On XX/XX/2022 I sent a letter to TransUnion updating my personal information. I informed TransUnion that they were reporting inaccurate and outdated names, addresses, phone numbers, and employers on my consumer report. I also informed TransUnion that they have a grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

On XX/XX/2022 TransUnion sent an updated consumer report with without removing all of the inaccurate and outdated addresses.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

It has been brought to my attention that XXXX XXXX XXXXXXXX has listed Suspected Fraudulent Activity on my ChexSystems file, dated XX/XX/2019. To my knowledge, I have never had Suspected Fraudulent Activity with XXXX XXXX XXXXXXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from XXXX XXXX XXXX including copies of any documentation associated with this activity which bear my signature. 
In the absence of such documentation, I request that this be permanently removed from my ChexSystems report. 

For your records, my contact information is as follows : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX
Consumer complaint received 2022-08-26
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)

Equifax have significantly decreased my points on my credit file on XX/XX/2022. Their has been no charge to my report what so ever and no new collections nothing. But some how my report was dropped over 27points ( see attachments for a complete view of how its been affected ) I checked the updates and it showed nothing. On XX/XX/2022 I check again and nothing was changed but yet my score went up XXXX points. With no change. At this point I feel as if my credit score is not accurate and has Been inaccurately given out to companies that Ive applied for. It is damaging my reputation and causing me significant loss. I am suffering for no reason. 

I have also made complaints prior to this one stating certain accounts are inaccurate on my credit file as well, and have yet to see relief.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

XX/XX/XXXX submitted my final employee certification for PSLF forgiveness. My qualified payments = XXXX. Requested to be put into Forbearance while counts were being updated. Mohela sent me a message saying my Forbearance expires on XX/XX/XXXX. So Mohela wants me to pay while they figure out my counts. My current count is XXXX. I submitted the paperwork verifying my employment. They stated I had to start paying again while They are processing my account. 
XXXX response or clarification
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp. (AL)

This company has failed to acknowledge my account being paid in full as of XX/XX/XXXX. There was a garnishment for the total amount of {$16000.00}, issued for the loan in XX/XX/XXXX with payments starting on XX/XX/XXXX to my employer group. On XX/XX/XXXX, the final payment of {$200.00} was made to satisfy the stated amount provided to my employer group and on court docs. I received a release letter from my employer, who sent to XXXX XXXX on XX/XX/XXXX. My XXXX credit report shows I owe the amount of {$1000.00} with a high balance of {$16000.00}. This balance owed is incorrect. The report also shows a term of 74 months versus the original contract of 72 months. The term info is incorrect. Additionally, it states my last payment was XX/XX/XXXX, which is inaccurate as well. My last payment was XX/XX/XXXX for the loan amount. I called in XX/XX/XXXX to XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX at XXXX and was transferred to XXXX XXXX, XXXX for the law office representing First Investors in reference to the balance owed. XXXX advised me my loan balance was paid in full and emailed me on XXXX confirming the principal balance was satisfied in XX/XX/XXXX. He also sent me a pdf file showing what my total balance owed was from the legal docs. The balance of {$1000.00} is not the correct amount for the loan in which is being reported. The docs show a breakdown of the principal {$13000.00}, {$1000.00} interest, {$1400.00} attorney fees, {$310.00} fees and {$160.00} in late fees, totalling in {$16000.00}. This loan has been paid off full plus some.
Consumer complaint received 2019-11-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

My aunt from XXXX was trying to support me here in XX/XX/XXXX USA, when I had bad time, so I dont have to sleep on the street, but can rent a hotel, becuse i had no money at the time. She is an average citizen of XXXX living on pencion, older ladyfor here its lot of money. and for me at the time ... ..she is not some kind of millionare and older lady ... .she send me money money gram {$400.00} and people in XX/XX/XXXX told me that money was send back, she also never received it .... so it was lost .... please help us find it, because I needed right now to recover in the hotel before i get a next job and do something with college ... ..I currently was kicked out of the apartment and dont want to sleep on the street ... that could also happen to the other foreighn students here, there is a lot of fraud around here ....
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First National Collection Bureau, Inc. (FL)

Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. I would like to file a complaint on XXXX XXXX XXXX XXXX XXXX in the amount of a {$300.00} XXXX XXXX XXXX This account is now showing on my consumer file as delinquent. I have tried on numerous occasions requesting validation of the debt, Added I Asked Debt Collector to submit Validation of Original Creditor and Debt Collector has not done so. Letter Attached. This debt has been removed and replaced on a few occasions and debt collector has never validated debt. I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. 
I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking with my daughter and providing her with information regarding this debt advising debt information on a few occasions as well as via text messages, this violates 15 USC 1692 ( b ) ( 2 ) also by submitting XXXX XXXX XXXX cards/mail with which violates 15 USC 1692 ( b ) ( 4 ) ( 5 ) 15 USC 1692 ( d ) Harassment or Abuse this debt collection agency may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limited the general application of the foregoing, the following conduct is a violation of this section. This debtor has done so by repeatedly and continuously harassing me by causing telephone to ring, with the intent to annoy abuse and harass me. 

This Debt Collector has also been misleading, The Debt Collector sold this account to First National Collection Bureau Where They have Fraudulent called themselves a Bureau and they are not a Bureau. I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

Due to medical issues, I had to stop working in early 2019. I was without income from the beginning of XX/XX/2019 until XX/XX/2019, when I received my first social security payment. 
I was unable to make some payments during that time. I can only afford to pay {$50.00} per month and want to close this account. Macy 's has charged me {$38.00} per month late fees on a {$160.00} balance, so only {$12.00} of my {$50.00} payment is being applied to pay down the account. I called and they took off {$76.00} so the new balance is {$91.00}, but They will keep adding the {$38.00} late fee and they won't change my due date to the end of the month ( which is when I receive my social security payments ) and their hardship department won't work with me.