davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Hi, PayPal/CFPB I hope this message finds you well, I'm contacting you in regards of my PayPal account XXXX, its been 180 days since my PayPal has been limited and I got a mail on XX/XX/2024 stating that my funds are now eligible for withdrawal but upon trying to withdraw my withdrawal gets denied which is as a result of my card issuer performing some maintenance, so upon that i waited until the maintenance was done and then placed a withdrawal but this time i was met with an error saying " something is not right please try again later '' I waited XXXX hours, still the same thing. I kindly ask that you look into this.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year> an account was opened in my name, which wasn't authorized by me due to me being XX/XX/XXXX. There's a balance on my consumer report of {$900.00}. I've continued to ask the company for an investigation of how they collected my info which they never sent proper documentation. This has caused so much frustration & hardship upon me. I was just XX/XX/XXXXXX/XX/XXXXXXXX of last year & I'm trying to get my life back on track.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-09-01
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. (NJ)

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. 

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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion 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 2024-06-21
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)

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported.

Please see this account is removed from my file at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank (CA)

Subject : Dispute of Fraudulent Credit Card Account on My Credit Report To Whom It May Concern, My name is XXXX XXXX, and I am writing to dispute a fraudulent credit card account that has appeared on my credit report. Below are the details of the fraudulent account : - **Credit Card Issuer : ** First Progress Elite Card - **Account Number : ** XXXX - **Credit Card Number : ** XXXX I did not authorize the opening or use of this credit card account, and I have already reported this issue to the Federal Trade Commission XXXX FTC XXXX through IdentityTheft.gov. My FTC Identity Theft Report reference number is [ provide your FTC report reference number if available ]. 

As per the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute this fraudulent account. I am requesting an immediate investigation and removal of this account from my credit report. 


Please confirm receipt of this complaint and inform me of the actions that will be taken to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (OH)

I was in an attempt to purchase a vehicle and I noticed you charged off this account, which according to the IRS, this is canceled debt, which it can't be reporting as income you've have this canceled debt is part of there profit and loss, which would make this reporting on my credit report as " incomplete reporting and inaccurate please send me the 1099-c form
Consumer complaint received 2024-08-24
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. (GA)

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 2024-09-01
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)

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 XXXX per violation and clearly they violated my rights.
Consumer complaint received 2024-07-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (MD)

The latest issue I'm having is from the XX/XX/XXXX statement billing discrepancy. A payment was made on XX/XX/XXXX however on XX/XX/XXXX, I was charged a late fee. The interest from that was added onto XXXX 's statement as well. I called to speak with a customer service representative and was told another company was handling my account. I have not received any information that would make me aware of such. 
Per 15 U.S. Code 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. In my last Consumer dispute submitted to XXXX, XXXX and XXXX XX/XX/XXXX, I requested that you provide me with proof of this alleged payment being late. AND If unable to provide proof of this payment being late, update payment history to paid as agreed never late. Adverse information such as XX/XX/XXXX days late on any report should be removed within 7 days of the company 's receipt. 
As i stated, I was not made aware that Target had routed this account to collections and was only directed there after inquiring about the inaccurate reporting. Per 15 U.S. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Please have the company correct future statements and credit reports as necessary. 

thank you.
Consumer complaint received 2024-08-28
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)

Without my knowledge, XXXX XXXX Bank ( XXXX ) increased credit limit from {$17000.00} to {$20000.00}. I contacted XXXX representative to discuss and request that it be kept at its original amount due to identify theft concerns. I also requested she place an " opt out '' note to prevent future increases. She did not mention this would be reported to credit agencies as a decrease in credit limit. 
XX/XX/year> Called WFB to complain ; I was instructed to submit a dispute. 
XX/XX/year> Submitted a written Credit Bureau dispute to XXXX XX/XX/year> XXXX XXXX XXXX to XXXX, Experian and XXXX that the credit increase/decrease on my credit report as submitted by XXXX were, in fact, false and not accurate. The decrease in limit was initiated by the consumer and not XXXX. I also submitted Consumer Statements stating that the information reported by XXXX was false. All three agencies refuse to correct credit increase/decrease reported falsely by XXXX. 
XX/XX/year> Received call from XXXX ( XXXX XXXX that he was advocating for a correction. He was not able to assist me. 
XX/XX/year> Received letter from XXXX ( dated XX/XX/year> ) refusing to correct the information submitted to XXXX credit agencies. 
I am requesting that XXXX reverse their decision and correct information on my XXXX credit reports indicating that " they '' increased credit limited from XX/XX/XXXX - XX/XX/XXXX and then decreased it on XX/XX/XXXX. 
Consumers should not be penalized for trying to protect their credit that, unfortunately, allows credit card companies to automatically increase credit limits without their knowledge. 
This was a WFB error that they reported my consumer request as a " credit decrease '' when, in fact, it was the consumer who requested the change to the original credit to protect credit scores.
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

On XX/XX/XXXX, I entered into a new lease on a new XXXX Nissan XXXX ( effectively ending my lease on my XXXX Nissan XXXX early, i.e. maturity date XX/XX/XXXX ). On the same date ( XX/XX/XXXX ), XXXX XXXX told me orally & in writing that I would not be responsible for the last payment on my XXXX lease ( {$370.00} ) as they were purchasing the vehicle. In a letter dated XX/XX/XXXX, Nissan Motor Acceptance Corporation has declared my " XXXX '' account in default.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : JPMCB CARD SERVICES # XXXX XXXX XXXX XXXX & XXXX.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

XXXX and Citi are still reporting that this credit card belongs to me. I thought we had successfully ended this the last time I reported it. It was removed and I had received a letter in the mail from Citi stating that they had no record of me on file, XXXX removed it for a long while after that. Yet I go checking my credit report today and lo and behold it's back! I'm not sure how they can claim I'm a unauthorized third party now, and claim that I owe them a debt for a credit card that I was only a authorized user of.
Consumer complaint received 2024-07-11
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: TD BANK US HOLDING COMPANY (OK)

I purchased a new XXXX refrigerator in XX/XX/XXXX using a 0 % APR incentive new credit card promotion offered by XXXX and credit card lender XXXX. I provided banking information for auto-pay enrollment during account creation as well as my new mailing address. I never received an invoice from the credit card company until late XX/XX/XXXX when I received my first invoice and statement of a past due {$30.00} balance, which surprised me but I accessed the account the same day and initiated a 1x payment for the outstanding balance including the past due balance plus the current charges, and revalidated that my auto-pay checking account information was correct, which it was. I immediately filed a dispute about the negative and significantly damaging credit reporting submission that dropped my credit score by XXXX points with XXXX and also dropped my credit score rating from Good to Fair, which I have been diligently working to improve back to my Excellent status I have maintained for XXXX years until my recent divorce that finalized on XX/XX/XXXX. Considering I was not notified by phone, text or email of the past due charges until the company reported the past due balance to the credit bureaus I am desperately requesting that this late payment be removed from my credit report history with the bureaus. Thanks in advance for your consideration. 

XXXX XXXX
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (IN)

I opened a Truist business account on XX/XX/year> with the promotional code XXXX which stated a {$400.00} bonus would be posted once the specified requirements were met ( {$1500.00} in deposits in 30 days of opening account ). 


After opening the account and completing the requirements on XX/XX/year> within the specified time frame, the bonus didn't post. 

I called to inquire and the reasoning they gave was that when I opened the account with the promotional code, I " didn't accept the terms and conditions of the bonus ''. This is a lie as I accepted all terms and conditions that were presented to me when opening the account. They stated I had to accept the terms and couldn't just " enter the promo code '' when signing up for the account.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear CFPB, I am writing to file a formal complaint against Capital One, which I believe is engaging in illegal business operations that defraud customers, particularly those with sub-prime credit ratings. I am XXXX of the victims of this unscrupulous scheme. 

Capital One entices customers with sub-prime credit ratings to apply for secured credit cards, requiring a security deposit to be debited from their accounts. However, once the deposit is received, Capital One frequently closes the customers ' accounts under dubious and unlawful pretexts. They then retain the security deposit for an extended period, allegedly to process and mail it back to the customer. 

This practice allows Capital One to unlawfully accrue significant financial interest on the held deposits, exploiting the customers without incurring any business costs. In the current high-interest-rate environment, the financial impact is considerable. Assuming there are XXXX victims, each with a {$1000.00} deposit, Capital One stands to gain millions of dollars in interest. 

This conduct is not only unethical but also illegal, as it constitutes an unauthorized and illicit means for financial institutions to generate interest income. Such actions are explicitly prohibited under XXXX financial regulations, and it is imperative that the CFPB investigates these practices to hold Capital One accountable. 

I request the CFPB to initiate a thorough investigation into Capital One 's business practices concerning their secured credit card program. The aim should be to uncover and address these illegal activities, ensuring that Capital One ceases to exploit its customers in this manner. The integrity of our financial system depends on the accountability of institutions, and it is crucial that consumer protection laws are enforced without bias toward large corporations. 

Please do not shield the financial giant while leaving the citizens they exploit to suffer. Your immediate and decisive action is needed to protect consumers and uphold the rule of law. 

Thank you for your attention to this urgent matter. I am available to provide any further information or testimony required to support this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2024-06-21
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-09
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: BARCLAYS BANK DELAWARE (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.