davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

My credit card information was stolen and there were about {$6000.00} of fraudulent charges. I disputed the charges with Citi. They gave back around {$1500.00} but the rest is still pending. They closed my old account and issued a new card. However I am still getting fraudulent charges on my old account which then transfers to my new account. The experience is very frustrating. I have called them on multiple occasions and they tell me they are working on it but may take up to two billing cycles. I asked what I should do with the fraudulent balance and they could not provide a straight answer typically saying it is up to you. The fraudulent charges occurred on XXXX XXXX. The new fraudulent charges were on XX/XX/XXXX.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I am filing this complaint regarding fraudulent activity that occurred within my PayPal account, which has led to an unwarranted delinquency and collections issue. 

A scammer gained unauthorized access to my PayPal account and transferred funds from my business accounts into their own, using their own banking information within my account. Once I became aware of this fraudulent activity, I promptly took action to stop it. However, despite my intervention, PayPal has now placed my account into delinquency for over {$400.00} due to the scammer 's dealings and has referred my account to collections. 

This situation is not the result of my actions but rather of a scammer who infiltrated my account. I am seeking assistance to have the delinquency and collections issue removed from my record and for PayPal to correct this error. 

Now they have locked me out of my account. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (TX)

Your Account Document Services Title Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Account : XXXX Pending Payments AutoPay Schedule Statements Payment History Payment History Effective Date Transaction Type Balance Amount Transaction Amount Payments Principal Interest Late Fee NSF Other Expense XXXXXX/XX/year> {$25000.00} {$500.00} {$500.00} {$370.00} {$120.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/scrub>XXXX  {$25000.00} {$500.00} {$500.00} {$430.00} {$38.00} {$31.00} {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as 3 pymts were made,
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX. Shortly after, I noticed a charge for {$16000.00} for a XXXX XXXX on my Chase Sapphire Reserve credit card. I did not make this charge. I reported the fraud and received notice from Chase on XX/XX/year> that there would be an investigation. On XX/XX/year>, I received notice from chase that states that I was responsible for paying the amount. When I called Chase to ask what was going on, I was told that the purchase was made online with my IP address. I never authorized this charge. I have a trip to XXXX coming up but XXXX XXXX XXXX XXXX XXXX XXXX. This merchant is not familiar to me and I believe the information was leaked online as I make online purchases frequently. I also have my credit card information saved on XXXX XXXX which is accessible via my laptop. I have since replaced my credit card. My old credit card has been mailed back to chase for destruction. The Chase representatives I spoke to on XX/XX/year> told me I would receive a phone call to discuss the claim within 4 days. It is now XX/XX/year> and nobody has called me to discuss anything. I pay all my credit card statements on time. My many years with Chase should provide a clear history of the type of reliable consumer I am. I have a consistent income and do not overspend.
Consumer complaint received 2024-09-19
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (OR)

At the beginning of my loan i set up Bi Weekly payments and asked my lender to apply any payments as soon as received. XXXX XXXX XXXX/ Dovenmuehle Mortgage INC.
 Then i filled out the form that came by mail with first time home buyer consumer info. 
XXXX  Bi-Weekly Administration. ID # XXXX.  Referance I.D. XXXX XXXX
 And i make sure funds are there weekly as if Bi-Weekly is good Weekly should be better.
 After wondering why my Loan completion date has not changed or Amount owed i inquired and have been told by XXXX XXXX that they hold the payments and apply as soon as the amount due arrives. I inquired into why and she told me thats the way they do it. Then a teller tells me that any amount i pay can be applied at any time. Well i thought i was apply $XXXX per week for 6 years and the money comes out of my account every  week why is it not being applied.
The forms for the Bi weekly were filled out prior to XX/XX/2014 and money comes out of my wifes account weekly.
Consumer complaint received 2024-08-01
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NV)

XX/XX/XXXX - discovered that my credit score had dropped XXXX pts on the XXXX XXXX XXXX XX/XX/XXXX - ordered credit report to try to investigate what had happened. XXXX showed that a collections had been posted to my account of {$350.00}. They claimed the " account '' was opened on XXXX. I never received any mail or calls or any documentation whatsoever. No letters indicating that I owed a debt, no calls indicating that services were rendered. Nothing. 

I live in XXXX and haven't been in XXXX since XX/XX/XXXX. 

XX/XX/XXXX - after calling XXXX, the original creditor is revealed to be XXXX XXXX XXXX XXXX I contacted them via XXXX. They responded with " unable to find you in our database '' and " contact our office to speak with our operations manager so he can better assist you. '' Seems like a scam,
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MD)

Personal histories have been disclosed to third parties without my permission. Personal information have been reported besides the law that prohibits the creditors from reporting personal information by XXXX and JPMCB. 

15 U.S. Code 6802 - obligations with respect to disclosures of personal information. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through an
y 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. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (MA)

On XX/XX/year>, at XXXXXXXX XXXX EST I received an email detailing that my account has been closed " due to a breach of our Terms of Service and/or your Deposit Account Agreement. As a result, funds associated with your account are being retained by XXXX. '' I replied asking for more details about the closure but more importantly on how to recover my funds that were still in the account ( totaling almost {$60000.00} ). There was no prior written notice or previous warning. They responded by completely ignoring my questions saying that they couldn't provide additional information and that this decision was final. 

" I know this may be frustrating, but we are unable to provide more detailed information regarding the reason your account was closed and we aren't able to reconsider. '' I am now left with no communication as to why the account was closed or how to recover my held funds in their accounts. 

This greatly affects our business as we experienced significant financial losses and delays our future operations, as we have our costs when it comes to providing services.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

I am being denied of disputing inaccurate information on my credit reports. ( 623 dispute leters ) Instead the credit bureaus are sending me a letter back telling me to go online and which i have online acounts i have always used and are currently using and they are denying my rights to dispute online and on the phone they are sending me to tect maessages with same information as in the letters they are sending back to me after i mail in first class and certified letters to these credit bureaus. They are in violations of m y rights as a consumer. They are making up this stuff saying that it appears yo not be me trying to correct my credit report with my identi documents attached. 
Under The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C1681. This information and process needs to be processed accordingly. Please Assist me.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.
Consumer complaint received 2024-10-08
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: Global Lending Services LLC (GA)

I'm submitting a report to the CFPB against XXXX credit bureau for failure to properly investigate my dispute regarding Global Lending Services over an incorrect entry on my credit report. The report incorrectly lists a debt of {$14000.00} that I do not owe. I requested proof of my signature to verify that this debt is mine, but Global Lending Service has not provided signed documentation and has failed to remove the erroneous entry from my credit report. This lack of action has negatively impacted my credit standing.
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (TX)

I fell victim to predatory lending by MaxLend. I took out {$750.00} in XX/XX/XXXX. Then I realized on XX/XX/XXXX that I was charged {$200.00} bi-weekly, meaning I had paid {$2100.00} by XX/XX/XXXX. After paying MaxLend these payments, which totaled {$2100.00}, MaxLend only applied little to none of the paid amounts to the principal balance. For example, for each biweekly payment of {$200.00} where the principal balance was $ XXXX, the ending principal would still be $ XXXX. This means that only a few cents to a few dollars of the {$200.00} bi-weekly payments I made were applied to the loan 's principal balance. Even after I had already paid {$2100.00} total by XX/XX/XXXX, I only had a few repayment options : Pay an additional {$810.00} to stop getting charged a biweekly {$200.00}. I even asked if I could get back the previous money paid in interest since the original contract was supposed to last until XX/XX/XXXX, and I paid off the loan on XX/XX/XXXX, and the answer was no. 
Pay the {$200.00} bi-weekly charge, most of which would not be applied to the principal balance. 
Pay the {$200.00} bi-weekly charge, most of which would not be applied to the principal balance plus extra. 
To stop getting charged the bi-weekly {$200.00} until I could report the issue, I picked option one meaning a total of {$2800.00} was paid to MaxLend. None of the options allowed me to pay the principal balance. When the loan was taken out over the phone, it was not explained that I would be paying $ XXXX for a {$750.00} loan.
Consumer complaint received 2023-04-24
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. (SC)

PLEASE REMOVE ALL INCORRECT PERSONAL INFOMATION. 

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. 

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 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 am a victim of identity theft.
Consumer complaint received 2023-04-24
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. (CO)

Dear Sir/Madam, I am writing to dispute inquiries on my credit report that were made without a permissible purpose. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau may only provide information about an individual 's credit report to individuals or entities with a permissible purpose, such as lenders, employers, or insurers, among others. 

I have reason to believe that the inquiries on my credit report were made without a permissible purpose, as the individuals or entities that requested the information did not have a legitimate reason to do so. This is a violation of my rights under the FCRA, and I am requesting that the inquiries be removed from my credit report immediately. 
XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX I would like to remind you that as a credit bureau , you have a legal obligation to ensure that the information in my credit report is accurate and up-to-date. If the inquiries were made without a permissible purpose, they are not accurate and should be removed. 

Furthermore, I would like to request a complete copy of my credit report, including all inquiries made within the past year. I believe that this will help me identify any other instances where my credit report was accessed without a permissible purpose. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 2024-08-26
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: Experian Information Solutions Inc. (GA)

I looked at my credit report around XXXX of this year and I noticed that some things are incomplete or not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXXXXXX Account Name XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and further more XXXX XXXX XXXXXXXX has reported itself twice on my credit report. The same exact account reported twice and with different information on each one. 
All of these accounts listed are not complete and are not accurate. 
I did get an investigation back but all it said is that they verified it was accurate but no information on how it was investigated to prove this accuracy. 
I requested a description of how they verified these accounts which they did not provide to me which violates 15USC 1681i7. 
According to the law if it is not verifiable or correct in any manner it should have been deleted.