davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
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 ()

Paypal closed my account for no reason. I submitted my documents but they didn't released my funds. I've waited 24hrs like they said but nothing happens. They first limited my account temporarily and then now limited it permanently. Please help me get my funds on my Paypal wallet. This happened last XXXX XXXX.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I purchased a second home and financed it with a mortgage originated and services by JPMorgan Chase Bank ( loan number XXXX ). The home is located in Hawaii and is rented out by me or my on-island property manager when not being used by my family. My rate was 3.75 % for a 30 year fixed conventional mortgage. All payments have been made in a timely basis and I am in compliance with all requirements. 

In late XXXX I began a refinancing process with JPMorgan Chase and was quoted a rate of 2.875 % by my Chase broker XXXX XXXX ( XXXX ). All documentation was uploaded within 24-28 hours of request. The process was moving very slowly and was told Chase was backed up on refinancings. I expected to close in XXXX and that did not happen. When I inquired I was told they were waiting for condo documents. My property is part of a condo association. I repeatedly asked for updates through the month. In late XXXX I was told that the underwriter believed my property did not qualify for refinancing due to the way the property was classified. On XX/XX/XXXX I received a notice of decline. The report says the decision was made based on my credit which for the record is over XXXX with ample liquid assets. My broker told me the underwriter viewed my property as a condo-tel. It is not and I explained that. It is on a resort property in Hawaii but the condo association is independent and there is no requirement ( or option ) to rent my unit out in a rental pool at the resort. I maintain my own property manager who markets it on my behalf and if I chose not to rent it that is my choice. 

By late XXXX the underlying rates in the market increased about 100 basis points from where my rate was locked. I believe Chase, in an attempt to not honor my rate, declined my refinancing for invalid reasons. I tried appealing to no avail. What I find unusual is that Chase still owns my original loan, which 14 months old. There were no changes in our condo association rules or designations and my assets and credit remain at or better than they were a year ago. 

I was hoping someone could inquire as I believe they used unfair lending practices to avoid honoring their rate commitment to me. 

Here is my advisors contact information XXXX XXXX Home Lending Advisor NMLS # : XXXX XXXX Office XXXX XXXX ) XXXX I may be contacted at XXXX or XXXX XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MD)

Dear CFPB, In XX/XX/XXXX i was notified by the credit reporting agencies that a collection account was put on my file. When i checked it was from COMMONWEALTH FINANCIAL SYSTEMS , INC . But i never received a notification from the above mentioned debt collectors. so they put this account on my credit without giving me the chance to verify or validate it. I then got in contact with COMMONWEALTH FINANCIAL SYSTEMS, INC and requested a validtion of the alleged debt. In XX/XX/XXXX i received a bill from COMMONWEALTH FINANCIAL SYSTEMS , INC . so i requested validation of the debt again and have yet to receive it. COMMONWEALTH FINANCIAL SYSTEMS, INC has sent me another itemized bill instead of validating the debt they claim i owe. i noticed on the bill that the client they claim i owe is in XXXX Maryland but i have never been hospitalized in XXXX. please find attached copies of my communication with COMMONWEALTH FINANCIAL SYSTEMS, INC
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (PA)

Pertaining to the Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and i am the Consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic information. '' XXXX is a financial institution by definition under that Title. 15 USC 1681 Section 604 ( a ) Section 2 states that " In general Subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to which it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, whether it to be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which as against the law. 15 USC 1681 s-2 ( a ) ( 1 ) states, " 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. XXXX USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this Title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this Title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR Subsection 1016.7 states that, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2021-03-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

I was notified by XXXX that in 2017 a rental debt was placed on my credit report. Although, the debt in question does not and has never belonged to me. I immediately went to the apartment located on the file, they stated that they couldnt help me, as my name was the name on the lease and I didnt match the photo. I expressed to them my identity had been stolen, but they were unwilling to give me any further information. I then proceeded to call the debt collection agency, which also stated that the debt was in my name although I had never lived there. They stated that I would have to pay, regardless. For the past few years I have been attempting to dispute it off my credit with no success. The debt collection agency will not remove it even though though I can prove they lady in photo isnt me.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-03-08
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. (IL)

Hi I am currently a working professional who went through a financial hardship while I was in college. During the fall of 2017 I was accumulating credit card debt and was struggling to make some monthly payments. I received 90 day past due email notifications and daily phone calls of my credit card accounts going delinquent from XXXX XXXX  of whom I had my credit cards issued from. They suggested that I enroll in a debt repayment/consolidation program through their third party XXXX XXXX to help alleviate the payment burden. I enrolled, and the XXXX rep informed me that this will bring your account current as long as I made payments through them. 

From the onset of making the first payment via XXXX XXXX, the late payment notifications stopped both via email and phone calls. I continued to make payments for the next three years ( see attached ) via XXXX XXXX and never missed a payment. A few months ago I ran a credit history report and saw that XXXX reported 29 missed payments for the cards that I was enrolled through the program. This shocked me as I was under the impression that I was up to date with paying down my debt. Having these missed payments on my credit report was detrimental to my goal of building back my credit. There was a missed payment that was getting carried over month to month from XX/XX/2017 which was hurting my credit score. I was never notified of this from either XXXX or XXXX XXXX. Per XXXX policy " missed payment of 60 days or more XXXX will begin physical mail, email, and phone communication notifying consumer of a missed payment. '' I received neither mail, email, or phone notification. In addition to this, the credit report for the missed payments shows 60 days past due for over 2 years which is a glitch/error since a true missed payment would upgrade into 90day-120 day status over that time period. I contacted XXXX about this issue and even escalated it to their executive branch. They insisted there was absolutely no fault on their behalf and were not willing to remove the missed payments. I even pointed out that I received no communication from them about my account not being current but my statement was ignored. After the phone call had ended, I magically received an email from XXXX for the first time in over 2 years that my credit card payment for that account was past due. This upset me even more but I made the payment to bring the account current. Today I paid off both cards via XXXX XXXX through a lump sum payoff.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX and # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX Account name XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account nameXXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX  Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : $ {$0.00}
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (LA)

This has been going on for years that I keep getting letters for a debt with XXXX. It first started on XX/XX/14 with XXXX XXXX XXXX. I filed a complain with CFPB on a debt I have never had and on XX/XX/14 XXXX sent CFPB a letter that I have never had an account with XXXX. Then on XX/XX/14 I received a letter from XXXX XXXX XXXX stating I owed this debt from XXXX. I filed a complaint here and XXXX XXXX XXXX killed the collection notice. Now yesterday I received a letter from XXXX XXXX XXXX XXXX saying I owe {$680.00} for a credit card I have never had. Attached you will see all my previous letters I have received and the letter from XXXX. I have also attached the new letter I received yesterday.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute of inaccurate information on my credit report Account XXXX Credit Bureau : TRANSUNION Account Type XXXX Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Credit line closed at consumer request. '' XXXX : XXXX reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. TransUnion and XXXX report a credit limit of {$250.00}, while XXXX reports no credit limit at all. Additionally, the reasons for closing the account vary : TransUnion and XXXX indicate that the account was closed at the consumer 's request, while XXXX reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation.

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I found some inaccuracies on my credit report ( collection accounts ) and reached out to all 3 credit bureaus. XXXX  investigated and removed the inaccurate accounts. Equifax and XXXX claimed they investigated and updated the information when it was clearly inaccurate. On XX/XX/XXXX XXXX investigated and removed XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX collection accounts that did not belong to me. I even sent proof to XXXX  and Equifax that the accounts were properly investigated and deleted by transunion. Furthermore, I sent letters to Equifax and XXXX on XX/XX/XXXX to provide me with the info they used during their investigation and my letters were ignored. I still havent received any correspondence from either credit Bureau ( I thought they had 30 days to take care of this )
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX a debt collector called an acquaintance of mine in regards to a debt belonging to my deceased father. The debt collector has already been informed by myself that my father passed away in XXXX and has no assets. He is still calling me once a month. Now he is calling acquaintances of my late father to get information about me and my father.
Consumer complaint received 2021-03-09
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: Bread Financial Holdings, Inc. (NJ)

I've try for the last two years to resolve this account with Comenity Capital Bank and they incorrectly put my account in collections. I went through a financial hardship and try my best to work a payment arrangement with them. Now my account is with XXXX XXXX and XXXX XXXX XXXX. I've called XXXX XXXX XXXX to settle my account and I was hung up on several times. They have the worst customer service. I do not know what else to do. This account is on my credit report as a collections account but XXXX XXXX and XXXX XXXX XXXX are not collection agencies. I want this issue resolved.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 my creditcard account was frozen due to suspicious activity on my account.The amount of activity was $ XXXX purchases made to my account, ( not my purchases ), The bank then added something called afunds transfer credit of {$2200.00}, to the account. Bank of America then put what they called a credit on my account of {$4000.00}, to be .. researched, .I immediately told everyone i was able to contact that this was not my bill and that my card may have been used and asked to talk to the fraud dept.I had multiple conversations with the many depts in Bank of america , each one sending me to anotherit finally turned out that the {$2200.00} ha was charged to me was not a part of the claim. Finally the claim amounted to {$2500.00} that i do not owe.I refered this claim to the XXXX XXXX XXXX on advice from a friend that had worked with the XXXX  and had seen that they could help my situation. Bank of America continues to send me letters that say they denied my claim to these debts, XXXX  sugested i contact you in this matter.