davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am writing to formally complain about XXXX XXXX 's violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been compromised through their actions, and I seek your assistance in addressing these issues. 


I have experienced aggressive and misleading practices from XXXX XXXX regarding collecting my debt. Specifically, I have received repeated calls and emails requesting payment without being provided with proper validation of the debt. According to the FDCPA, I am entitled to receive written verification of the debt upon request. I have made multiple requests for this information, but XXXX XXXX failed to respond adequately, violating my rights under the FDCPA. 

Additionally, I have faced difficulties accessing my account history and monthly statements. Despite my requests, XXXX XXXX has denied me access to this information, which is critical for verifying my account status and managing my financial obligations. Under the FCRA, consumers have the right to access their credit information and account history, and XXXX XXXX 's failure to provide this information clearly violates this law. 


I have attempted to obtain my monthly statements from XXXX XXXX to review my account activity and ensure the accuracy of my charges. However, I have been unable to access my account history online or through customer service representatives. This lack of transparency is frustrating and obstructs my ability to manage my finances effectively. 

Given these violations, I request that the CFPB investigate XXXX XXXX 's practices and take appropriate action to ensure compliance with the FDCPA and FCRA. Furthermore, I urge XXXX XXXX to provide me with the necessary documentation regarding my account, including all monthly statements and any validation of the debt they claim I owe.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally complain about XXXX XXXX 's violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been compromised through their actions, and I seek your assistance in addressing these issues. 


I have experienced aggressive and misleading practices from XXXX XXXX regarding collecting my debt. Specifically, I have received repeated calls and emails requesting payment without being provided with proper validation of the debt. According to the FDCPA, I am entitled to receive written verification of the debt upon request. I have made multiple requests for this information, but XXXX XXXX failed to respond adequately, violating my rights under the FDCPA. 

Additionally, I have faced difficulties accessing my account history and monthly statements. Despite my requests, XXXX XXXX has denied me access to this information, which is critical for verifying my account status and managing my financial obligations. Under the FCRA, consumers have the right to access their credit information and account history, and XXXX XXXX 's failure to provide this information clearly violates this law. 


I have attempted to obtain my monthly statements from XXXX XXXX to review my account activity and ensure the accuracy of my charges. However, I have been unable to access my account history online or through customer service representatives. This lack of transparency is frustrating and obstructs my ability to manage my finances effectively. 

Given these violations, I request that the CFPB investigate XXXX XXXX 's practices and take appropriate action to ensure compliance with the FDCPA and FCRA. Furthermore, I urge XXXX XXXX to provide me with the necessary documentation regarding my account, including all monthly statements and any validation of the debt they claim I owe.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I am writing to express my frustration and concern regarding the ongoing issue of fraudulent items on my account. Despite this previous attempts to resolve this matter, the fraudulent items remain unaddressed. Please prioritize the removal of these items from my account and take necessary measures to prevent such incidents in the future. I would appreciate your prompt attention to this matter. These are the following fraud items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

I am writing to formally complain about PayPal Credit 's violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been compromised through their actions, and I seek your assistance in addressing these issues. 


I have experienced aggressive and misleading practices from PayPal Credit regarding collecting my debt. Specifically, I have received repeated calls and emails requesting payment without being provided with proper validation of the debt. According to the FDCPA, I am entitled to receive written verification of the debt upon request. I have made multiple requests for this information, but PayPal Credit failed to respond adequately, violating my rights under the FDCPA. 

Additionally, I have faced difficulties accessing my account history and monthly statements. Despite my requests, PayPal Credit has denied me access to this information, which is critical for verifying my account status and managing my financial obligations. Under the FCRA, consumers have the right to access their credit information and account history, and PayPal Credit 's failure to provide this information clearly violates this law. 


I have attempted to obtain my monthly statements from PayPal Credit to review my account activity and ensure the accuracy of my charges. However, I have been unable to access my account history online or through customer service representatives. This lack of transparency is frustrating and obstructs my ability to manage my finances effectively. 

Given these violations, I request that the CFPB investigate PayPal Credit 's practices and take appropriate action to ensure compliance with the FDCPA and FCRA. Furthermore, I urge PayPal Credit to provide me with the necessary documentation regarding my account, including all monthly statements and any validation of the debt they claim I owe.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC. (IL)

I had just moved to XXXX and was looking for an apartment and found ( what seemed like ) a couple different landlords. I requested to view the property before signing a lease and was told to secure a holding fee or deposit first. I sent the money and then attempted to see the physical properties, which did not exist. I was blocked from all messaging after asking for my money back. I reported it to my bank and was denied any reimbursement as it shows I authorized the charges. I authorized them but didn't realize until after the fact that I was being scammed. 

These happened in the beginning of XXXX and end of XX/XX/year> in the amount of {$1100.00}, {$100.00}, {$700.00}, {$500.00}, and {$200.00}. I have more personal information and details if needed or requested.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

Recent credit reporting shows inquiry from Citizens bank on XX/XX/22.No indication as to why it was pulled, requested information from company and they have no applications at that time. They could not tell me why it was on my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. 

EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which in turn is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-07-25
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. (NY)

I am writing to file a complaint regarding inaccuracies on my credit report. Recently, I requested an investigation from the credit bureaus to ensure the accuracy of the information on my credit report. The credit bureaus conducted their investigation and concluded that all the information was accurate. 

However, after receiving their response, I conducted my own thorough review of my credit report. During my investigation, I identified several inaccuracies that the credit bureaus failed to address. These inaccuracies include [ describe the specific inaccuracies you found, such as incorrect account balances, outdated information, accounts that do not belong to you, etc. ]. 

Despite the credit bureaus ' assertion that the information was accurate, my findings indicate that their investigation was insufficient and did not address the errors present in my report. This has caused me considerable distress and has potentially impacted my credit score and financial standing. 

In Accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX, Has violated My rights. 

15 U.S.C 1681 section 602 A. States i have the right to Privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TX)

On XXXX I attempted to XXXX {$490.00} from My Citibank account to my XXXX XXXX account. Citibank locked my account so the transfer would not go through. 
I called Citibank the same day and they unlocked the account. No reason was given for the account to be locked.When I attempted to XXXX my funds I received a notice that I was locked out of my account again. 
I called Citibank again on the same day and they unlocked my account. Again I was not given a reason again why my account had been locked. ( new account ) When I attempted the XXXX the 3rd time I inadvertently sent the XXXX to the wrong phone number. The correct phone number was off by XXXX digit. I immediately called Citibank and tried to cancel the pending XXXX. Citibank opened an investigation and concluded that the funds could not be recovered. 
I reached out to the recepient XXXX XXXX at XXXX several times but my calls and texts went unanswered.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NJ)

On XX/XX/XXXX I switched Homeowners Insurance for a much lower premium amount. The new policy was sent to Seterus on XX/XX/XXXX. Seterus ran an escrow analysis using an insurance policy that was not in effect, in fact that policy was cancelled. This resulted in causing my mortgage payment going from XXXX per month to {$1700.00}. 
I called Seterus on XX/XX/XXXX and was told that a new escrow analysis would be re-run to update the system with the new insurance to reflect new premium amount of {$1700.00} so by the time my XX/XX/XXXX payment would be due, they had the correct amount. 

On XX/XX/XXXX I received the new escrow analysis in the mail and they again used the wrong insurance policy. I called them again to request this error to be corrected and I was told they could not correct and the only thing they could do was to request yet another escrow analysis. They told me to call back on Friday to follow up. The turn time would be 6-7 business days. Today XX/XX/XXXX I called Seterus and they have not corrected the error and are demanding payment of {$1700.00} and that if payment was not made today, they would report to the credit bureaus. I asked to speak to a supervisor and I was told there was no one I could speak to. I was placed on hold for over 40min. waiting to speak with someone. The agent came back on the phone to tell me she was reviewing the previous notes and that there was no way the new payment would be updated because it takes 30 days for the new payment to go into effect. This was the first I heard of this. I started this request in XX/XX/XXXX, the new insurance policy would not be in effect util XX/XX/XXXX.  Seterus has deliberately damaged my credit despite me following up, calling them every week. This company has been sabotaging my loan ever since it was transferred to them. It took them over 1yr to complete a modification on my loan. I was never late but because they don't know how to calculate payments they have been hurting consumers like myself that don't have a choice. During the modification process I was told to pay them {$800.00} to have the modification done. I agreed to pay but when I asked where to send the check to and who to make the check to, they told me to hold off and that they would include that on my new mortgage payment. This is the worse company I have ever dealt with.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank denied my fraud claim on spurious grounds. They did so based on the existence of " Chip '' technology in a card. Coincidentally, this was when closing the account, or trying to, an moving to my credit union. I asked for how they make their findings that the fraud I asserted was, as they claim, not fraud, and they again claim it was because of Chip Technology.

It is my belief that Capital One was and is using this rejection of a fraud claim to disallow account closure. It is worth noting that this fraud claim situation is unusual for me. Which is to say, Im not a habitual claimant. I have maintained a positive business relationship with Capital One over 5 years, a term which included satisfying auto loans, credit cards, and savings accounts held in good standing. I have had minimal history of disputes, which really shouldn't matter as they are outside my control, and this is the only time a fraud claim has been denied.

The denial of this claim also coincidentally occurred after I closed my account while transitioning to my company 's credit union. This timing raises further questions about how my case has been handled, and whether sufficient attention has been given to the actual circumstances of the transaction. Why this claim? 

I believe that Capital One should honor its commitment to {$0.00} fraud liability and remove the disputed charge from my account. The use of a chip does not prove, even to a meager standard, that I authorized any transaction, especially under the heightened risks of fraud I experienced during the disaster evacuation period of XXXX XXXX. 

Enough time has gone by. I do not employ staff nor have a referral division to deal with matters like this. It is painstakingly frustrating to deal with this process knowing the denial is incorrect, poorly supported, and clearly abrupt. 

I will not ever make payment for these unauthorized charges, regardless of any finding you make because sufficed to say its not the right thing to do. I will, however, absolutely defend the merits of my position against any further attempts to cause burden or recovery these unauthorized charges from me. Even while its not a significant sum to Capital One ( ~ {$1500.00} ), its a principled issue and for these same reasons. I hope the matter may be resolved given the sum of circumstances because Capital One clearly is not reading my messages sent and our multiple conversations yield zero forward momentum.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Last month I had written TransUnion asking for written verification regarding items on my credit report. According to the fair credit act 609. 
Previously my checking account had been compromised and had to change our debit cards twice. I explained all of this in my letter. 

I received an updated credit report this week stating all was accurate. However no written evidence was provided which was requested. I have tried multiple times calling them, only to get shuffled in to computer limbo.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc. (KY)

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Coast to coast financial acct # Unknown amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Ky XXXX Last XXXX XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My daughter sent me XXXX {$150.00} and I moved into account saving. Capital one blocked my account thinking the money wasnt legitimate. My daughter sent me money to pay XXXX. 

Capital one said the check was sent to the mail. Since XX/XX/XXXX, nothing delivered the funds from my account savings.
Consumer complaint received 2024-09-20
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 hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Transunion, XXXX, XXXX ) You ( XXXX XXXX ... Account XXXX ) have furnished this account as a charge off/collection you are in violation of the Fair Credit Reporting Act 15 USC 1681. 
( Transunion, XXXX, XXXX ) I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I report the theft of my identity to the federal trade comisin and I also have enclosed copies of the Federal tray commission identity, theft, affidavit " please delete the items a soon as possible '' ( Transunion, XXXX, XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : TRANSUNION XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of XXXXXXXX XXXX XXXX XXXX  Date of XXXX XXXX XXXX Date of XXXX Under the Consumer Protection Act, specifically Title XV of the Dodd-Frank Act, I have the right to receive proper notifications about any outstanding obligations and a clear justification for late payments. To date, I have not received any communication explaining this failure. I request a review of this matter and regularization of payment, as failure to meet these obligations affects my rights as a consumer and may be subject to legal action under CFPB regulation.

Under 15USC 1666b this late payment, entry is a violation. I have incorrectly billed XXXX XXXX account XXXX ( Transunion, XXXX XXXX XXXX )