davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (TX)

BBVA ( now PNC ) froze my checking account when I submitted a stop payment on a check and refuses to unfreeze the account. BBVA says they have initiated closing the account and that it will be closed in less than 30 days from today.

Furthermore, BBVA ( now PNC ) has requested that I sign a document that lies about the circumstances of the check stop payment request. They want me to commit fraud by signing this document.

BBVA freezing this account has caused harm to myself and my XXXX wife. We need this checking account unfrozen for medical bills.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (TX)

Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form XXXX for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days UPSTART NETWORK INCXXXX XXXX.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; XXXX, XXXX, Equifax. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry.

I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

Opened a college checking account with Chase. Deposited 2 checks in 2 days, each for {$2000.00} ( from parent ). Funds were held until checks cleared, at which point Chase immediately closed the account. The closure letter, dated XX/XX/XXXX, said a check for the funds would be sent. It's now XX/XX/XXXX and no check has been sent. Chase indicates they are waiting to " verify '' the already-cleared checks. They won't say what " verifying '' means or when that might happen.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

I am a victim of IDENTITY THEFT and XXXX XXXX BREACH, and I DEMAND the IMMEDIATE REMOVAL OF XXXX TRUIST INQUIRIES FROM MY XXXX CREDIT REPORT. 
ACCORDING TO FCRA XXXX XXXX B, IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION.Please remove this inaccurate information from my XXXX CREDIT REPORT IMMEDIATELY. 

TRUIST AND XXXX ALSO VIOLATED : LAWS 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THESE ILLEGAL INQUIRIES FROM XXXX IMMEDIATELY. Thank you!
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

I requested forbearance for my auto loan with toyota financial services back during the covid time in XX/XX/2020. I requested this online and due to the large number of requests it took awhile for the toyota finaacial to process my request.

But during the time of this request, toyota financial reported that I am 30 days past due for the month of XXXX. I did some research and found out that this type of conduct is illegal when the federal government has passed the cares ACT. 

This is affecting my credit score and affecting my ability to get qualified for loans. I would like CFPB to get involved in this matter to stop toyota financial from abusing its customers and to rectify my credit report.

I did reach out to toyota financial to correct the credit report but they are denying their involvement. 

Please advise me on how to resolve this matter. Thank you. 

I can provide documentation if needed.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 2019-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Received a statement from POrtfolio Recovery Associates on XX/XX/19 reporting an outstanding debt {$650.00} owed to XXXX XXXX XXXX. They were threatening and demanded immediate payment. I was flustered. They asked for my social security number and I gave it to them. They then asked if I lived in Arkansas. I said no. Never. They threatened again wanting payment. I refused and hung up. After that I noticed my first and last name were correct in envelope but the middle initial was incorrect.
Consumer complaint received 2021-11-29
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)

Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (NJ)

I called Hyundai Finance on XX/XX/21 to move my due date to the XXXX or XXXX of each month because Im having a medical emergency and Im getting pay every XXXX weeks, I cant pay on time. My regular payment is on XX/XX/21 which I cant pay on those dates. I try to talk to this company and they told me to pay the late fees they can not do anything for me. Im calling them in good faith and also I dont want to pay late fees and to go in my credit report. They did not care, customer service was very rude and basically told me to pay the late fees. I think is unfair and they should work with people that are trying to pay their bills. I called this same company XXXX months ago and they did moved my date. I dont know why they are not doing it now.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

An Inaccurate BK # XXXX # XXXX is reporting only on Experian Credit report which is erroneous and fraudulent. I have never filed such public record or taken such action and it is very suspicious that this is the only bureau that it is reporting. I have filed several disputes acting on all my consumer rights, I have asked for and requested proof of some form of documentation and none has been supplied. I have filed numerous police reports as well. This is so unfair to consumers.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of XXXX XXXX. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX ACCOUNT BALANCE : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX reporting delinquencies to all credit bureaus, But I have never opened an account with XXXX XXXX. Once again I was in the XXXX stationed in XXXX when this account was opened, I have tried explaining to them that I was a victim of XXXX XXXX in XXXX of XXXX when I left my wallet with all of my information and identification in XXXX XXXX while I was being transferred to XXXX for my XXXX XXXX station. My credit report is completely incorrect and I am trying to fix it now. I still have yet to hear from this company, yet they are still reporting my account XXXX Please allow the company to know once again that this account does not belong to me, i don't even have a physical credit card with this company, and whoever made this account has all my information. this situation is putting me in emotional distress after being XXXX from the XXXX because it's causing my l ; life more problems, thank you.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (ID)

I went shopping for mortgage was told to get offers from others lenders and it would not effect my credit score .So I did and it dinged my credit score after I was told that the mortgage inquires would show up once it is affecting my score negatively now I dont get approval when I started I was preapproved how can I get this fixed so I can buy my house
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

I tried to withdraw {$5000.00} of my money on XX/XX/2021 from my Binance.US account to my bank account and I got a message that said " Withdraws Suspended Due To Risk Management. '' I have done absolutely nothing wrong for them to suspend my withdrawls. According to the website, withdraw suspensions are enabled usually when there has been a chargeback issue. I have had my account for several months and have never had any issue whatsoever. I had sent a support ticket immediately that same day and contacted support thru XXXX and have gotten one email back on XX/XX/2021 saying that they will forward my issue to the correct department, but no resolution. I was depending on this money to get me through the month and had no reason to believe it would be withheld from me. I have endured sleepless nights and am sick from stress wondering how long this can take. I need someone to help and no phone support.
Consumer complaint received 2021-11-29
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: Skopos Financial, LLC (SC)

Ive reached out to this company several of times over the past XXXX  years in regards to this inaccurate item, even sent letters demanding proof and to no avail they failed to respond, even after the deadline. This inaccurate item has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to this inaccurate and old item I havent been able to find decent work to take care of my household and other expenses. I am seeking legal action towards Skopos Financial for XXXX XXXX XXXX XXXX  and XXXX and interfering with me able to take care of my family, due to lack of work because of this inaccurate item.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My Credit Union, XXXX XXXX XXXX XXXX XXXX, merged with XXXX XXXX XXXX XXXX XXXX. All of my accounts/credit card/loans transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Credit Card for XXXX XXXX still shows up on my credit report, as well as the converted credit card for XXXX XXXX. Therefore, I have XXXX credit cards showing on my credit report, whereas I only have XXXX ( with XXXX XXXX ). XXXX XXXX sent a letter to the credit agencies to take the XXXX XXXX credit card off of my credit report. I received a letter from XXXX XXXX stating that their records indicate that my accounts are only reporting once, however, I just looked at my credit reports and both accounts are there for the same card ( XXXX on XXXX XXXX and the other on XXXX XXXX ). The issue is that I've paid off my XXXX XXXX Credit Card, but my XXXX XXXX Credit Card is showing a high balance. 

I'm in the market for a home loan and this is a problem. My home is supposed to close at the end of XXXX. 

I've tried to dispute it online, but every time I click on the link, XXXX XXXX XXXX, I get an error message and it won't let me do the dispute. I'm seeing the information, my lender is seeing the information, XXXX XXXX is saying that they are only rporting the XXXX credit card, and XXXX XXXX XXXX XXXX XXXX XXXX is out of business ( as of XX/XX/XXXX when they merged ). 

What do I do? 

Best regards, XXXX XXXX
Consumer complaint received 2021-11-29
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. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continuously reporting on mu Credit Report. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX
Consumer complaint received 2023-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc. (NY)

I was charged a pay-to-pay fee of {$12.00} by this company. 

A CFPB advisory opinion, published at 87 Fed. Reg. 39733 ( XX/XX/2022 ), clarifies the limits on a debt collectors ability to charge pay-to-pay or convenience fees under the Fair Debt Collection Practices Act ( FDCPA ). The advisory opinion also has important implications as to a wide array of other charges assessed by debt collectors.

Pay-to-pay charges or convenience fees are added charges when a consumer makes certain types of payments by telephone or on a website. The CFPB advisory opinion explains when a debt collector assessing these charges violates FDCPA 1692f ( 1 ) ( 15 U.S.C. 1692f ( 1 ) ) that prohibits collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The advisory opinions logic applies to other debt collector fees and charges.

This fee violates FDCPA 1692f ( 1 ) ( 15 U.S.C. 1692f ( 1 ) ) and needs to be refunded.
Consumer complaint received 2019-05-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (NJ)

I signed a lease for my a car with BMW of XXXX on XX/XX/2018 and was also sold a Lease Protection program that was built into my monthly payment. I was informed by the finance representative at BMW that I could cancel the lease protection and it I would receive a refund. This was also detailed in the contract that I signed. 

In XX/XX/2018 I requested to cancel my lease protection with the finance manager, XXXX XXXX, at BMW of XXXX and in XX/XX/XXXX I  was provided a form to sign. I returned the signed form via email to the finance manager on XX/XX/XXXX and sent a follow up email requesting confirmation that it was processed on XX/XX/XXXX. I received a response that it would take 6-8 weeks to process and that the finance manager would follow up with the cancellation team to confirm that my request was received. I did not receive confirmation. 

On XX/XX/XXXX I sent another email asking for confirmation of the status of my request, I did not receive a response. I sent another email on XX/XX/XXXX asking for confirmation of the status and received a response that the finance manager sent a note to the cancellation team to check on the status and he would respond to me with an update after receiving their reply. I did not receive a response. 

As of today ( 11 weeks since submission of the request ) I have not received confirmation that my request for cancellation of the lease protection has been processed or completed. I have not received a refund of the lease protection cost as outlined in the contract. I have followed up with several calls to the dealership but the finance manager has not answered the phone or returned my messages.
Consumer complaint received 2021-11-29
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: Experian Information Solutions Inc. (IL)

I recently checked my credit report and noticed inaccurate and fraud information on my credit report. I have called and disputed the information on my credit report and has provided proof. Experian, XXXX and XXXX are reporting inaccurate and untrue accounts on my credit report. I called each company and the companies referred me to file a dispute with the credit bureaus. The accounts that needs to be REMOVED AND DELETED are XXXX XXXX XXXX XXXX XXXX # XXXX. The XXXX  account is XXXX XXXX XXXX account # XXXX. I have never authorized these companies to obtain my information. I never signed and agreements with these companies for services, or goods. I was told to submit my XXXX  identity theft report along with proof of my identification and address. I followed through with all the steps to prove these accounts are fraudulent and I have never authorized these companies to obtain my credit information. I am unsure how they received my information.