davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

I was working with XXXX XXXX  XXXX and Cardinal Financial on a VA Home loan. I was told I was unable to close on the loan because my tax transcripts did not match my amended tax return. Well the both of the companies were aware that my taxes were amended and submitted to the IRS by my account. My accountant provided a letter to the mortgage broker XXXX XXXX stating so. The IRS was contacted and they stated it was taking 16 weeks to update tax information but the lender ( Cardinal Financial ) could still receive documentation with the IRS stamp that the amended taxes were received and being worked on. The mortgage broker was notified of this and did not do anything to contact the IRS. The mortgage broker and lender were aware of my tax amendments from the very beginning of me starting this VA loan process then waited approximately 4 months till the day to close on the loan for my realtor to tell me that they were not going to be able to close because of the taxes. Then once I was told that the lender will not close on the VA loan because of my taxes, I was sent a bill for {$4800.00} from the lender. Ive closed on a VA loan in the past and never experience this type of unprofessionalism. Through the whole process the mortgage broker and lender were constantly ask me for the same documents over and over again, even to the point of when they wanted me to get the rent verification form filled out and when I had my landlord complete the form, I was later told that this can only be requested by the lender. These types of circumstances were happening with this lender and mortgage broker and every week there was an increase on the down payment for a VA loan.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I am a victim of XXXX, XXXXXXXX XXXX, discrimination, and public corruption. I got scammed by In XXXX XXXX XXXX XXXX that charges my Capital Credit card.

Capital One has refused returning my money back In XXXX XXXX XXXX billed on XX/XX/2023 for {$1900.00} Case Number XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX Citibank lowered my credit from {$11000.00} to {$3000.00}. Stating, XXXX reported I was delinquent on an account. Citi now reporting my credit score is no XXXX. XX/XX/XXXX, I provided documents to XXXX clarifying the delinquency. XX/XX/XXXX XXXX raised my credit score right back to XXXX. From XX/XX/XXXX to date, I have contacted CITI bank and asked them to correct my credit score and give me back my higher limit. XX/XX/XXXX with Citibank a supervisor ( won't give me their name ) place my COMPLANT about my credit score. XX/XX/XXXX I faxed a company of the XXXX XXXX XXXX and report showing it was XXXX. XX/XX/XXXX XXXX a letter declined. Called Citi XX/XX/XXXX and again told them the credit score is wrong. Then again on XX/XX/XXXX, XX/XX/XXXX i placed complaints Citi is reporting the wrong credit score. Citi would tell me they would check with XXXX and other agents would tell me theres nothing they can do. XXXX I called XXXX and they validated the scores of XXXX, then XXXX have been sent to the credit card and validated that Citi has NOT pulled any credit on my in 8 months. So they lied!! 
Attached is XXXX imagens from right from XXXX. Notices the scores, and dates. Also the bottom right shows todays date. More importantly, the second XXXX score states, up XXXX point from the previous months score. Proving that back in XXXX my score was XXXX which Citi shows it wasnt. They are not reporting my credit correctly
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Im an international student in the XXXX. My parents were wire transferring me my tuition to Bank of America account on XXXX. It takes XXXX days for the transaction, but during the transaction, the Bank of America close my account for some reason only they know. I got an email telling me my wire transfer is received, so I tried to pay my tuition with my bank account. At first, I was able to submit my payment, but days later, the XXXX department XXXX XXXX XXXX told me the money was returned to my account for some reason. And since they closed my account, they kept my money on hold till now.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding inaccurate information on my credit report, as well as violations of the Fair Credit Reporting Act ( FCRA ) by [ Creditor Name ], concerning the following accounts listed on my credit report : XXXX. Account Number : XXXX XXXX. Account Number : XXXX These accounts have been reported with incorrect data that has negatively impacted my financial standing and overall well-being. 

I have diligently reviewed my credit reports and identified these erroneous entries, which allege late payments on the aforementioned accounts. However, I must assert that these late payments have never taken place. The inaccuracies not only damage my creditworthiness but also unjustly implicate my financial responsibility. 

The violations committed by [ Creditor Name ] are as follows : **Violation 1 : Inaccurate Reporting ( FCRA 623 ) ** [ Creditor Name ] inaccurately reported that I made late payments on account number XXXX, in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). The emotional toll this has taken on me can not be understated. The mere thought of working diligently to meet my financial commitments, only to be unfairly labeled as someone who neglects their responsibilities, has caused severe stress and anxiety.

**Violation 2 : Inaccurate Reporting ( FCRA 623 ) ** Similarly, [ Creditor Name ] reported false late payments on account number XXXX, violating FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). The emotional turmoil caused by these inaccuracies is immeasurable. To have my financial integrity called into question due to inaccuracies in my credit report has not only hindered my ability to access credit but has also cast a shadow over my sense of financial security.

I implore the Consumer Financial Protection Bureau to enforce the provisions of the Fair Credit Reporting Act and facilitate a resolution to this matter. The emotional toll of these inaccuracies on my mental health and overall quality of life is profound. I hope that the significance of this story underscores the urgency of correcting these violations and addressing the emotional harm inflicted. 

I kindly request that you intervene on my behalf and ensure that [ Creditor Name ] promptly removes these unverified accounts from my credit report. Additionally, I ask that a thorough investigation be conducted to rectify the damages caused by their inaccurate reporting. 

Thank you for your attention to this matter. I am grateful for your assistance in resolving these violations and helping me regain control over my financial reputation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (MD)

15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act the following Creditors have violated my rights : 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 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 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AK)

**Yes, credit report companies can frustrate interstate commerce. ** Here 's how : 1. **Inconsistent Standards : ** Different credit reporting agencies may have varying standards for reporting and scoring credit information. This inconsistency can make it difficult for businesses operating across state lines to accurately assess creditworthiness.

2. **Data Accuracy Issues : ** Errors in credit reports can negatively impact individuals and businesses, leading to difficulties in obtaining loans, financing, or even employment. These errors can be time-consuming to correct, especially when dealing with multiple credit reporting agencies.

3. **Limited Access to Credit : ** Individuals and businesses in certain regions, particularly rural areas, may have limited access to credit due to factors like lack of local lenders or reliance on credit reporting agencies that are less familiar with their specific circumstances. 
XXXX. **Excessive Fees : ** Some credit reporting agencies charge fees for accessing credit reports or correcting errors, which can be a financial burden for individuals and businesses, especially those operating on a tight budget. 

These factors can hinder the smooth flow of goods, services, and capital across state lines, ultimately impacting the overall health of the economy. To address these issues, various regulations and initiatives have been implemented, such as the Fair Credit Reporting Act, which provides consumers with certain rights regarding their credit reports.
Consumer complaint received 2023-06-13
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. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MD)

Experian I tried signing on It failed I asked to reset PW it said it was sending a verification code to my phone- that never happened I also called 3 different service # s - they say they have specialist but I can't speak to them they provide no help getting my online access restored and don't answer their PHONES!!! 

I have an Experian report dated XX/XX/ in front of me I can see that I am using proper phone # s / i know my SSN, been the same for XXXX XXXX I am angry that they give NO SERVICE -- What if I had a real issue. 
I DO WANT online access to my account.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (NY)

My husband 's computer was remotely hacked on XX/XX/year>. He started notifying all our credit card companies and changed all username and passwords. 

On XX/XX/XXXX, he contacted AMEX and notified them of the incident, requested to cancel all credit cards and to re-issue them, including my Gold American Express and the ones for the Hilton Honors American Express. High-yield savings account showed no changes with a balance of about {$12000.00} ( Can't remember the exact amount ). That day, he also changed username and passwords. 

XX/XX/XXXX, someone transferred between $ XXXX out of that high-yield savings account without our authorization. So, overnight, someone logged in into the AMEX account, despite having changed username and password and having notified AMEX of the breach. According to AMEX, someone opened two new AMEX accounts under their names and transferred the entire contents of my account to these two other accounts. I was done in three transactions - XXXX, {$23000.00} and {$370.00}. From there, they transferred the money out of AMEX to an external account. Names on those accounts were XXXX XXXX XXXX ( Account ending in XXXX ) and XXXX XXXX. 

None of these transactions were authorized and I do not know these individuals. 

They also called on Friday XXXX XXXX @ XXXX hrs from a ( XXXX ) XXXX identifying themselves as Fraud Department from AMEX. At the time I was in the middle of reporting the incident to the XXXX XXXX XXXXXXXX XXXX XXXX. 

Amex refuses to provide me with any information, plan of action or resolution despite 11-12 days gone by.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-10-13
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: ROYAL UNITED MORTGAGE LLC (TX)

XXXX closing was done by a notary that did n't have a clue what the documents were that he was having me sign. Could n't answer any of questions. When I asked a question all I was told was I do n't know that is where you have to sign and if you do n't sign then the loan ca n't be closed. I was told all documents would be explained and I was told that if I submitted a voided check the funds would be direct deposited to my account, which I submitted but funding day some of the funds were wired to a holder of a previous home equity for a payoff ( which is fine ), The next day I received cashier checks made payable to companies for me to forward, which caused my pickup payment late and on funding day the cash out funds were wired to my account which caused an incoming wire fee that was not disclosed to me. The loan officer that was assigned to my account has stopped communicating. Apparently since he got his commission he is done with my account. I tried to email Royal United Mortgage to find out who I could discuss this with but my email was returned as blocked.
Consumer complaint received 2016-05-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (WA)

My XXXX has seen an increased surge in business over the last 6 month, I am a one man show / XXXX. My company has existed for almost 11 years doing $ XXXX+ annual in sales. Due to increased sales i have hit a production limit and been unable to complete transactions in a timely manner ( typical is 3 days, current is 3 weeks, My fault ), However Paypal has decided that I have issued to many refunds ( not chargebacks, standard refunds amicably done between my customers and me ) and have therefor suspended and closed my account and are holding near $ XXXXUSD hostage. They will graciously allow me to process payments for which they will collect and charge thier fees for but will hold ALL FUNDS for 180 days with XXXX release, effectively forcing me to either close down or finance my business for 6 months via other means while they hold my money and charge me fees on it. This is completely unacceptable and I am pleading for help to have my funds released back to my care. I do not want to save relations with them or utilize their services, I simply want MY money back. please help
Consumer complaint received 2016-04-14
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (FL)

I was the seller whom a Paypal dispute case was opened against by a buyer. Paypal 's contract states if/when the dispute is decided against the seller and the seller 's account is negative to transfer monies into the Paypal account to make it even. Before a resolution was ever reached Paypal tacked on an extra unauthorized {$230.00} to a separate credit card purchase transaction by me. When I called Paypal and asked why I was told, " the computer does it automatically and I see your concern of how that goes against our policy. '' Basically they admitted the wrong ; however, would not return the monies to my credit card. Said monies were not returned until I filed a complaint with XXXX XXXX of the fraudulent charge.