davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

Amercian Express authorized the withdraw of funds from my business checking account without my authorization. 
These funds, were withdraw from my account at XXXX bank, without my authorization and never apply to my AMEX credit card account. XXXX bank account number XXXX under name XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I have an unauthorized withdraw from my company checking account for the amount of {$4000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} ( But ONLY this amount was returned on the following date, XX/XX/XXXX. Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} I called XXXX bank many times, but they haven't been able to help me or return any of these funds!! The only funds that I received back was on XX/XX/XXXX for the amount of {$1300.00} All the other unauthorized withdrawals for the total amount of {$10000.00} are still out of my account. I need all these funds, to be returned into my account checking account at XXXX Bank
Consumer complaint received 2023-10-04
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-02-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NY)

Hello, I hope this note finds you safe and well. 

I paid Westlake Financial XXXX 2021. Ive been requesting a {$0.00} balance letter since XXXX 2021, but have yet to receive it. I havent received anything by mail or email. I requested it again last week, but have yet to receive it. Since they have failed to provide the letter, I disputed the account with XXXX. On XXXX - XXXX sent a letter advising the information being reported was accurate- but it is inaccurate. I called XXXX and requested to know their investigation process as I did pay Westlake XXXX 2021, and was told by Westlake theyll update my file and have the reporting removed in its entirety, but neither of that has happened. According to XXXX from XXXX ( call was on XXXX/XXXX/2021 at approx. XXXX XXXX ), the investigation is as follows - they submit the dispute to the lender, the lender in turns enters whatever information they please into a software and that information is electronically sent back to XXXX. XXXX trusts that the lender will submit accurate information. This is not an investigation. This is incompetence. The same analogy I have XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr- he enters or says no - and hes free to go based on that answer. That would not be considered an investigation. This procedure should be eliminated in its entirety and lenders should be challenged. If customers are trusting credit bureaus to conduct an investigation- it should be done as such.
Consumer complaint received 2023-02-27
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: AFNI INC. (FL)

In accordance with the Fair Credit Reporting act the company Afni , Inc Account # XXXX, has violated my rights under the following codes 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 an account without my written instructions 15 U.S.C 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 2023-02-26
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. (NY)

According to the Fair Credit Reporting Act 15 U.S.C 1681 requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, and relevancy. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : *** Identity Theft- XXXX Account Number : XXXX *** Identity Theft-XXXXAccount Number : XXXX *** Identity Theft-XXXX  Account Number : XXXX *** Identity Theft-DP OF EDUC-Account Number : XXXX *** Identity Theft-XXXX XXXX-Account Number : XXXX *** Identity Theft-DP OF EDUC-Account Number : XXXX 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 further states that a consumer reporting agency can not furnish an account without my written instructions or consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : States that 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 ) States that 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 2023-02-25
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)

Equifax is reporting negative information on the consumer report. XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX is being fraudulently reported on the consumer report. These negative accounts under Graham Leach Bailey act and the Patriot Act needs to be removed. The consumer has contacted Equifax multiple times to remove these fraudulent accounts. I never gave Equifax permission or written consent to furnish anything on my consumer report.
Consumer complaint received 2021-12-07
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. (GA)

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. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DCI Credit Services, Inc. (MN)

Ok DCI removed a bunch of collections from medical bill. Then the added a bunch more for XXXX {$3.00} {$2.00} XXXX Their trying to collect interest on old debt. Then if I pay it to remove it they start all over again. The debt is over XXXX XXXX XXXX. I dont want to contact them I have never talked to them or enter into any type of agreement with them. They r sabotaging my credit an its.not ok Im need to be able to at least buy a house an a automobile to live
Consumer complaint received 2021-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I contacted TransUnion in XXXX with the credit report that they provided me. There were several hard inquiries furnished on my credit report, in which I the Consumer have not authorized the company to furnish. Fact, that 15 US Code 1681 says subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not given my written or expressed consent for TransUnion to do so. I am seeking remedy. The law states all persons are civilly liable. In which Transunion is. I want the information deleted and my remedy.
Consumer complaint received 2021-12-07
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 United States Bankruptcy Court reported they " do not report information to credit bureaus and are not responsible for verifying information form consumers credit files. '' On XX/XX/2021 XXXX XXXX informed me " after an investigation of the data in question, they were unable to verify the accuracy of the bankruptcy cause, subsequently removing the record from my XXXX XXXX report. On XX/XX/2021 I received a copy of my unofficial XXXX XXXX report which showed my bankruptcy also deleted from there unofficial reports. However Equifax is report my bankruptcy was verified through a third party vendor, XXXX XXXX, when that have proven to be untrue. This information is inaccurate and needs to be deleted. It is illegal to report inaccurate information. Please resolve this before I proceed to hiring representative to properly handle this situations in the court system.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MD)

On XX/XX/2021, I received notice from XXXX that a collection account was added to my credit report from a company that I have never heard from. I never received anything from the original creditor about a debt owed to them and now this company is on my credit report stating that I owe XXXX {$880.00}. XXXX never sent a notice and then the collection agency Caine & Weiner Company Inc. I have no idea who this company is and the fact that they are reporting to my credit report and dropping my score is a big problem for me.
Consumer complaint received 2023-02-25
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 (OH)

I have had the same business PayPal account for 3 years. I have over the years used it for minimal transactions such as XXXX sales or sending money to and from friends and family. In XXXX of 2023 I started to use it as a means to send invoices for money due to me for providing XXXX XXXX XXXX  As I explained to PayPal I am an XXXX XXXX and considered a XXXX XXXX  of the business services provided. On XX/XX/2023 I sent an invoice to a client for services rendered. Shortly after that I received a message from PayPal asking me the nature of my account, for a business license and why I have the account to begin with and my account funds were unable to be withdrawn. I provided all of this information and then the next day I got another message asking for a list of the same type of information and I have already provided the information to PayPal. They have since froze my account with a balance of {$180.00}. I have tried to resolve this issue with them and it seems they are just trying to make it more difficult for me to get my money. I told them I wanted a resolution and my money released immediately and have not received a reason other than demands for more of the same information ALREADY PROVIDED.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had 5 mortgage accounts with XXXX XXXX XXXX XXXX XXXX. Loan XXXX, XXXX, XXXX, XXXX. On XX/XX/21 they transferred the loans to XXXX XXXX XXXX XXXX. Now on my credit report I am having the same accounts reporting twice. They are duplicate and it lowered my credit score more than 30 points. I reported this to XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( Toll Free ). I reported this to XXXX XXXX at XXXX and XXXX Servicing at XXXX on XX/XX/21 but they have not fixed the issue. They are knowingly reporting data incorrectly. Additionally I have filed disputes with XXXX, XXXX XXXX and Equifax but they reports are still showing incorrectly.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

We initiated a transaction on {$160.00} from our XXXX account on XX/XX/XXXX to pay our Target credit card bill. XXXX shows our account being charged {$160.00} on XX/XX/XXXX. Target originally told me on the phone that the payment was not received until XX/XX/XXXX ( 13 days after initiation ) and as a result charged us a {$30.00} late fee and {$5.00} interest fee. Subsequently, and as written on the statement, Target told me that it was received XX/XX/XXXX, which was nonetheless after the original XX/XX/XXXX due date. 

We contacted Target who agreed to waive the {$30.00} late fee but they then escalated us to a manager before finally agreeing to refund the {$5.00} of interest. XXXX informs me that Target does not accept electronic payments, so a paper check is the only way their bill pay will work. XXXX says this bill pay takes 5 business days, while electronic would have cleared in just 1-2 days. 

XXXX customer service told me that the check was cashed by Target on XX/XX/XXXX. Someone is apparently lying here. Neither XXXX nor Target is interested in investigating this discrepancy. 

I am frustrated with XXXX who charged me fees for a digital payment supposedly being just a day or two late while refusing to accept digital bill pay. While they did eventually agree to waive the {$30.00} late fee and {$5.00} interest fee, I accrued another {$7.00} of interest in the next month due to the confusion, which they have refused to waive. Target tried to get me to set up autopay with them in order to resolve this type of issue going forward, but it seems unreasonable that a consumer can't rely on a big-4 bank to make electronic payments that clear within 13 calendar days.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AL)

We arranged for a senior trip for our daughter with XXXX XXXX in XXXX of XXXX. We paid 24 monthly installments of {$150.00}, plus a {$95.00} registration fee, for a total of {$3700.00} through XXXX of XXXX, when the trip was cancelled due to the coronavirus pandemic. We requested a refund, but XXXX XXXX refused to issue a full refund, offering only a voucher for future travel, which costs a {$1000.00} cancellation fee to redeem. We disputed the charges with Navy Federal Credit Union, who had placed the charges on our debit card ( we never provided XXXX XXXX the debit card number, just our bank account and routing number ). Navy Federal found in our favor and recovered {$2400.00}, but claimed they could not reverse the earlier charges because the " cardholder agreement '' prohibited refunds of charges more than 18 months old. Therefore, we are now out {$1300.00} taken from our account for services we never received, and NFCU has refused further assistance, choosing to honor their agreements with XXXX and XXXX XXXX  rather than a member of 28 years.
Consumer complaint received 2023-02-26
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. (VA)

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 XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX Account name 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 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.
Consumer complaint received 2021-11-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SANDY SPRING BANCORP, INC. (MD)

I initially applied for a mortgage loan with SandySpring Bank which I was pre approved for in XXXX when I submitted a contract on a home. During this process which is a short sale, I was finally able to obtain a release from the lien holders on this property to move forward with the purchase. I requested some information from the loan XXXX and was not satisfied with the fees and interest rate that I was not told about up front. I requested that the loan be transferred to another lender. The new lender made a verbal request on XX/XX/XXXX and a written request via email on XX/XX/XXXX to have my FHA loan case number transferred. Further, it was expressed to the loan XXXX of SandySpring bank the urgency in which this transfer needed to be done as I am scheduled to go to closing on XX/XX/XXXX. As of XX/XX/XXXX, the loan XXXX has not sent confirmation that the transfer has been requested. This puts me in jeopardy of not being able to close on this property due to the lack of effort on behalf of SandySpring Bank loan XXXX. I need assistance with getting resolve on this matter.