davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by FederalLaw to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed this item on XX/XX/2020 and they removed it, but it has been sold to another company and has been re-added to my credit file. 

Account : XXXX Account # : XXXX Under Section 602, I have a right to privacy.
Consumer complaint received 2024-09-01
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. (NY)

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (PA)

Following unlawful TD Bank Activity in violation of state and federal law, and breach of my loan agreement with the Bank, I exercised my legal rights to declare the contract breached by the Bank. 

I then revoked ( in writing ) TD 's authority to take automatic monthly withdrawals from another bank ( XXXX XXXX ). 

Remarkably, despite my repeated written instructions and revocation of the right to take automatic payments, TD Bank continued to unlawfully withdraw thousands of dollars from my XXXX account. Every time TD did this, I reported the Fraud to TD and repeated my instructions. I have repeatedly informed them of their unlawful conduct, and my instructions, to no avail. 

I want TD to respond an be administratively, criminally, and otherwise held accoun table for its theft of my funds and unauthorized withdrawal of funds from my account -- against my express instructions and warnings not to do so.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TN)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX, I made a wire transfer from my XXXX account to JPMorgan Bank National Association located at XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$25000.00} US dollars, to XXXX XXXX. Upon investigating I learned the funds had not been received by XXXX and the latter had been advised their account had been closed for some breach of Chase securities. I had been requesting tracing by XXXX on numerous occasions as to where the funds were and that I want said funds returned as the account had been closed. On XXXX XX/XX/year>, I called Chase Executive Office and spoke to XXXX then XXXX, who in turn connected me XXXX and was assigned an case number, XXXX. I was advised because of Chase privacy restrictions they could not discuss with me nor provide any information and to contact XXXX Wire Department, where I was advised it could take up to 7 weeks for such a trace to be completed. In the interim, XXXX was being purchased by XXXX XXXX which further complicated the situation. XXXX stated they had issued urgent requests for the return of the funds but it all fell on deaf ears. XXXX XXXX the transferring bank confirmed that the funds had been received by Chase on the same day. XXXX recommended contacting XXXX which was done. Their conclusion is outlined in the fair solution of the issue.
Consumer complaint received 2024-10-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MA)

I requested debt verification from the office and only received a copy of judgement from the court with a different law office. They are stating different amounts of the so called debt and stated they do not send letters to verify debt. They stated that all the have to provide me is the judgement, no validation or any payment history. I was told I have to go to court for any of this information
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NV)

XX/XX/year> Amount taken away from my account was {$200.00} I took the action of sending a dispute form with Chime to have my money returned as this was not given away to someone. I was called by someone that I learned after the fact was a fake person pretending to be a Chime Representative. The money was stolen from my account but put under the tab of pay anyone. I contacted Chime about the issue and filled my complaint. The representative that I spoke with did not help me in the slightest, neither did the " task team '' for recovery. I was given an email that stated they did find any errors when infact there is an error, Chime concluded that I " paid a friend '' when I do not know this person. I received a fraudulent text that I spend {$290.00} at a XXXX in Florida when I live in XXXX XXXX XXXX XXXX. This is unacceptable and downright pitiful that they would deny my claim. I provided all the evidence of the fake number, text message and the reply the fake person gave to me afterwards. 

I would appreciate Chime getting there things together and providing me my {$200.00} back. 
My dispute claim numberXXXX
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

I opened this claim with Comerica XXXX but I made a mistake and I forgot to claim also 2 other transactions from the same merchant and same reason, product not received. 
I called 2 times later to open another claim or include those 2 transactions to the same claim but wasnt possible. 
Please open another claim or in the same one this 2 transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I am reporting an issue regarding my auto loan account with Credit Acceptance Corp, account number XXXX. 

Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) I paid off the loan in full in XX/XX/XXXX. Despite this, Credit Acceptance Corp has been inaccurately reporting a repossession on my credit report for 52 consecutive months, which has significantly harmed my creditworthiness. The account was marked as paid and closed in XX/XX/XXXX, but the derogatory marks continue to appear monthly, impacting my ability to obtain credit. 
I have contacted Credit Acceptance Corp multiple times regarding this issue, requesting the removal of the inaccurate reporting. However, they have failed to take any corrective action. The continued reporting of this repossession is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and Section 623 ( a ) ( 1 ) ( A ), which mandate that only accurate information should be reported. 
I am seeking your assistance in resolving this matter and ensuring that Credit Acceptance Corp corrects the inaccurate information on my credit report.
Consumer complaint received 2024-10-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (CT)

On XX/XX/2024, I opened my cash app to use my card and discovered that my account was closed unexpectedly. I contacted support through the app, and I asked them why my account was closed, they told me they could not disclose that information. On the same day, I made a new cash app account and ordered a new card to go with the account and today, XXXX XXXX, I opened my cash app and once again my account was closed. I called contact support and was again given the same response when my first account was closed. They told me that I had to appeal to reopen my account without them disclosing the reason why they ( Cash App ) closed my account.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My Citibank account suddenly became blocked without notice around XXXX. I called customer service to ask for the reason for the block, and they said they cant provide any information. I followed up 4 times throughout the week of XXXX, and again on XX/XX/XXXX, and even visited the branch on XX/XX/XXXX. 

Every single time, the response was the same : that they will expedite the concern to resolve in XXXX hours, and that they dont have information on why my account is blocked. Ive been hearing the same repertoire since last Tuesday. 

I have returned payment fees from my credit cards now because I couldnt use my own money to pay them off, because Citibank is not releasing my funds. I asked to close the account in branch and have my money back, but they said they cant until account is unblocked from reasons whatever they wont give me. 

All my cash is stuck. I have bills and contractors to pay. And Im waiting for XXXX weeks for them to give me a reason so that we can have the account unblocked. 

I need CFPB to help get them to address this issue.
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CO)

XXXXContacted XX/XX/XXXXonce again, as back on XX/XX/, I had sent back to equipment, and disputed them charging me an XXXX  account that I didn't even know I had. I have the tracking number from XXXX, and as of XX/XX/, I no longer owe anything. I am trying to move into an apartment and this is keeping me from doing so. I have even disputed this with the Credit Bureau, however, they only came back with is the information is correct, when it is not! I have not once received a collection statement from the collection company, and they can not provide me with information from XXXX, so that's why I contacted them once again to get this matter resolved and ended up with no solutions once again! Note ; it is listed on my credit report as XXXX XXXX, however my billing statements, state that it is XXXX.
Consumer complaint received 2024-09-04
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. (CA)

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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 {$120.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Used PayPal to make payment for XXXX purchase. Paypal drew funds from my bank account. Item was not as described. Opened return with XXXX. Item returned to seller. Seller fraudulently closed return request after item was in transit. I opened PayPal dispute. XXXX approved refund after return item XXXX tracking provided. PayPal has not provided refund/processed dispute. Customer service does not provide information online or over the phone. XXXX customer service has already communicated that I should have received a refund from PayPal to my bank account. 

Claim for fraud/refund is stuck with PayPal although XXXX has approved refund for me. Difficulty is with using PayPal 's claims process to get a refund.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to formally express my concern regarding the inaccurate accounts on my credit report, which I have disputed multiple times without resolution. These errors are severely damaging my credit standing, causing significant hardships and negatively impacting my financial stability. 

Despite my repeated requests for an investigation, I have not received a satisfactory resolution. I kindly request that a thorough investigation into each disputed account be conducted immediately, and that the necessary corrections be made to restore the accuracy of my credit report. 

Your prompt attention and assistance in resolving this matter are crucial for me to regain control over my financial well-being. I sincerely hope this issue can be rectified without further delay. 

Thank you for your time and cooperation. I look forward to your swift response.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> my identity and wallet was stolen. I recently just received a letter from XXXX XXXX XXXX with an order number and a reference number. I did not sign up for anything my whole life and I am under the age of XXXX. I am only XXXX XXXX XXXX and I did not attempt or wish to make or open an account with this phone company. I did not have an account number with this bill and I dont know where it came from at all.
Consumer complaint received 2024-09-27
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. (FL)

My Name Is XXXX XXXX I am a victim of identity theft, my identity was stolen. Someone opened an fraudulent account in my without consulting me. To review my report there is accounts that's fully paid off or paid on time. I am asking that you remove such fraudulent activity such as the inquires as well from my report along with the addresses that doesn't belong to me.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$8700.00} Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately. 
The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC (VA)

I applied for a title loan with reprise financial. They said I was approved for XXXX at approximately 18 % APR. I decided to proceed with this loan, and therefore they pulled my credit, and put a hard inquiry on my credit report. I was then called by the company to finalize the loan. At this time, they told me I was only approved for XXXX, at 31 % APR. I declined the offer primarily because of the rate hike. So now I have a hard inquiry on my credit report because Reprise lied to me about the loan they were willing to offer.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (TX)

Case Id : XXXX PayPal charged be {$2000.00} USD XXXX due to dispute raised with my Bank, XXXX XXXX XXXXXXXX, Paypal is saying that as bank raised dispute and hence they deducted my account with {$2000.00} USDand now paypal asking to pay back that {$2000.00} USDto them. as it is shwoing -ve balacne in my pay pal