davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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. (TX)

Did not consent to unauthorized items the items was not authorized. 
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/year>
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, ID XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}.
Consumer complaint received 2024-08-21
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. (FL)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX Balance : {$5800.00}
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute and request an investigation into the unauthorized disclosure of my personal information by your agency, pursuant to the provisions outlined in 15 USC 1681i. 

It has come to my attention that you have been furnishing my personal information to third parties without my explicit consent. As per my rights under the Fair Credit Reporting Act ( FCRA ), I did not provide any authorization for the release of my information to any entities, nor did I grant permission for your agency to obtain or disseminate my personal data. 

I am deeply concerned about the potential implications this unauthorized disclosure may have on my privacy and financial well-being. It is imperative that you cease all unauthorized activities related to the sharing of my information and take immediate steps to rectify this matter. 

Furthermore, I request that you conduct a thorough investigation into how and why my personal information was disclosed without my consent. I expect prompt action to rectify this situation and prevent any further unauthorized disclosures in the future. 

Please provide me with written confirmation of the steps taken to address this dispute and the results of your investigation within the time frame mandated by law. 
A : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-09-12
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: G&P Enterprises, LLC (CA)

After documents requested, documented provided partially, with change of management company rapidly at end of XXXX 

From : 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 Im requesting association records for the inspection.

Please provide me following records for Current & Two Prior Years : 1. Financial Records financial documents required by Civil Code 5300 ( budget, reserves, lien policies, insurance, financial statements, etc. ) ; interim financial statements, including ( i ) balance sheet, ( ii ) income and expense statement, ( iii ) budget comparison, and ( iv ) general ledger ; salaries paid to employees, vendors, or contractors ( except as provided by attorney-client privilege ) which shall be set forth by job classification or title, not by the employee 's name, social security number, or other personal information ; state and federal tax returns ; reserve account balances and payments from reserves ; and invoices, receipts, canceled checks, purchase orders approved by the association, credit card statements for credit cards issued in the name of the association, statements for services rendered, and reimbursement requests submitted to the association ( XXXX. Code XXXX ( b ) ). 
XXXX. Governing Documents CC & Rs, articles of incorporation, bylaws, condominium plan, operating rules, election rules, etc. ( XXXX. Code XXXX ) ; and schedule of monetary penalties used in rules enforcement. 
XXXX. Contracts ( Executed Contracts, Third-Party Formation, Member Review of Bids, Law Firm Fee Agreements, Labor Union Contracts , Employment Agreements/Contracts.

4. Minutes ( board, committee and membership meeting agendas and minutes, except for XXXX session minutes ) XXXX. Election Materials ( Election rules, election records ) 6. Miscellaneous insurance policies architectural plans escrow documents ( required by Civil Code 4525 between buyer and seller such as governing documents, assessments, violation notices ( the general membership does not have the right to other members ' violation notices ), construction defects, etc. ) membership lists Electronic Records. Members who request records have the option of receiving them in electronic form if the records can be transmitted in a redacted format that does not allow the records to be altered. ( XXXX XXXX XXXX XXXX  h ). ) Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (CA)

The Loan was for a XXXX XXXX XXXX XXXX XXXX. For XXXX dollars. The terms were no payment for XXXX years. 

I paid the loan off for XXXX dollars within XXXX days thought it was XXXX full. 

The company never told me there was a balance for {$2.00} or XXXX dollars. It kept me on the books charging me interest for XXXX years without any statments reminders or any evidence I had not paid the XXXX dollars at the time of payoff The company now is taking out XXXX DOLLARS A MONTH from my account claiming I owe the the {$500.00} dollars in acrued interest over the XXXX year grace period. 

I have tried to contact them and they do not communicate anything other than I did not pay the full balance ( an error on my part ) and simply will not compromise.
Consumer complaint received 2024-08-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIBANK, N.A. (DC)

I truly feel that Citibank is involved in redlining. From the time I began the mortgage process in XXXX, XXXX  there was a never ending change in requirements, documentation needed, duplicate requests for information, and inconsistency. Although I closed on the mortgage on XX/XX/XXXX, approximately half hour prior to closing I was informed that the underwriter miscalculated closing costs and I would need to bring an additional {$1900.00} to the closing. Citibank did not timely wire the funds to the title company on the day of closing, so while I closed on the XXXX, I was not able to pickup my keys until the XXXX. I therefore paid additional HOA fees for the time without access to my condo. I was initially set to close on XX/XX/2024. 

I have several email chains requesting updates and full clarification on what type of documents were needed. Underwriters changed, processors never communicated verbally to provide context for the information sought. It was a horrible experience. I would encourage the CFPB to investigate Citibank mortgage lending processes in historically underrepresented communities. My conversations with other suggests that unfortunately my experience was not unique and that Citi engages in discriminatory redlining practices
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filing a formal complaint against Bank of America regarding the denial of my application for an XXXX  XXXX credit card. Despite having an excellent XXXX XXXX ( over XXXX ), a high and stable income as a physician, a low expense ratio, no new credit accounts opened in the past 2 months and recently opening an investment account with a significant asset transfer to the bank, my application was still rejected. The reasons provided by Bank of America included " multiple accounts recently opened and limited or no deposit and/or investment balances with the bank. '' I find this reasoning inconsistent and concerning, especially as several friends with less favorable financial profiles and more recently opened credit cards have been approved for the same credit card. This raises a potential violation of the Equal Credit Opportunity Act ( XXXX ), which prohibits discrimination in credit decisions based on factors such as race, color, religion, national origin, XXXX, marital status, age, or receipt of public assistance. 
Given my financial standing, I believe the denial of my application may be discriminatory. I am requesting that Bank of America reconsider their decision and provide a more detailed explanation of the specific factors that led to the rejection of my application. 

I respectfully ask the CFPB to investigate this matter and help facilitate a resolution. 

Thank you for your attention to this complaint. 
Sincerely,
Consumer complaint received 2024-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (NY)

Hello, On XX/XX/year> I sent a transfer for {$700.00} which was advertised as no fee. I approved a withdrawal of that same amount. To my surprise Western Union ( WU ) charged {$710.00}. Which means they just helped themselves to {$13.00} from my bank account without my authorization. I filed a complaint a week later. At the end of XXXX they sent me a letter saying that they will refund in a form of either receiver going to get the money or I have to go and receive the refund at WU location and I MUST reply via mail to chose which one. It is so ridiculous because they should just either sent a check since they're mailing me letters anyway or just issue a refund via ACH. They're clearly making this extra difficult so that people give up. I chose to receive the funds myself. XX/XX/XXXX I received a letter with information on how to receive the refund and new tracking number. On XX/XX/XXXX I went to WU 2 locations and both told me they can not find anything about this. I called the WU customer service and they claimed that the refund is half of what I'm owed, even though their letter says how much they owe me, and then they said that supposedly someone picked it up in Texas or somewhere, and I've never been there. They told me they're creating a case and I will hear back within XXXX. I didn't. I called again on XX/XX/XXXX and they told me that it's still being reviewed and I will hear back in XXXX. I called back today, on XX/XX/XXXX and still no information. 
I'm asking CFPB to intervene because it has been over 2 full months since I've been charged without authorization. CFPB should also look into the following : - WU needs to stop charging accounts a larger amount without being authorized to do so ; - WU must issue refunds in the same way they charged their customer or at the very least mail a check to the address that they already clearly have.

- WU needs to establish a clear resolution process with a certain deadline.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/year> I received notification from Barlcays Bank NA that the terms of my credit card were being changed and my interest rate was being increased to my credit worthiness. I challenged the increase and was advised that bank could received approval from the Federal Reserve to increase the interest rate on MY account. Now I know this is false, as I'm pretty sure that the Federal Reserve does not review individual citizen 's credit history or account history.

Barclay 's Bank is basically lying to me and should be penalized for using the Federal Reserve as a scapegoat for their corporate greed.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX. 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IN)

I received an offer from Chase Bank quite a few times over the last year. I finally relented and decided to try them out a few months ago. The welcome offer that I decided to try had a welcome bonus of XXXX dollars if I opened a new checking and savings account and created a direct deposit and deposited {$15000.00} into a savings account and maintained that balance over the course of 90 days. After creating the accounts with the coupon code and fulfilling the balance requirements and getting a direct deposit from the IRS, I double checked with them that all the requirements were fulfilled. The representative said they were and that I would be receiving the XXXX dollar bonus. After waiting some time and not seeing the bonus I called again and spoke to a XXXX and a representative who both told me that it was merely delayed and that I would be receiving the bonus the next XXXX. After calling a third time, I was sent to someone who said that I would not receive the bonus. She believed it needed to be a direct deposit that was reoccurring every week or XXXX and that once a year deposits would not qualify. When I told her that her stipulation wasn't even in the fine print and that I had been told it did qualify by several others, she did not appear to care.
Consumer complaint received 2024-08-04
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, California XXXX XXXX XXXX XX/XX/XXXX To : EQUIFAX, XXXX, XXXX Subject : Final Request for Verification and Documentation of Account name : XXXX XXXX XXXX, Account # : XXXX This Dispute serves as my final attempt to resolve this matter, of the original high credit balance amount owed {$20000.00}, before pursuing legal action. I am writing to formally request the following DOCUMENTS related to my account : XXXX Verification and proof of the bill of sale for the auction price of the vehicle that was repossessed. 

XXXX A detailed statement showing proof of total actual amount of payments made by me from the opening date of the account in XX/XX/XXXX through the present date, XX/XX/XXXX. 

XXXX Proof of the GAP insurance payment amount you received. 


*Please send all requested documentation by mail to the address provided above within 30 days of receipt of this letter. If you fail to provide proof of the requested documentations to me within this timeframe, I will have no choice but to seek legal action and demand that this account be deleted and removed from my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-16
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 (FL)

I have two currently have two PayPal accounts. The first is a business account that has been operating for years. The second account is the subject of this complaint. I am a XXXX creditor/victim. PayPal was selected as the distribution agent to accept our funds and allocate them back to the customer during the bankruptcy process. 

This account was opened solely to accept my XXXX cryptocurrency distribution. On XX/XX/XXXX, I received my crypto distributions on PayPal. On that same day, I sent XXXX Bitcoin to my external wallet. I wanted to send more and get the assets of the platform as soon as possible. I knew I couldn't trust PayPal. On that same day, I requested an increase in my weekly crypto withdrawal from {$10000.00} to {$40000.00}. I submitted the requisite form and never heard back. I decided to sell all of my crypto using PayPal and remove the fiat funds. Time was of the essence. Any assets kept on the PayPal platform are in extreme danger of being seized by the company or the account being limited ( exactly what happened here ). 

On XX/XX/24, I sold the remaining crypto assets. I attempted to withdraw {$5000.00} to my bank account and I requested a paper check in the amount of {$63000.00} to be sent to my home address. On XX/XX/24, the account was limited by the company. I attempted to verify the account multiple times. However, I can not complete the third and fourth steps ( bank account verification ). First, the bank accounts were already verified via the XXXX platform previously. Secondly, when I do try to verify again using their link, nothing happens. I am just taken back the main page showing my bank account. I attempted to contact PayPal multiple times that day. It is almost impossible to speak to a person. The automated system simply hangs up on me when I request a representative. 

PayPal was chosen as the requisite distribution agent for tens of thousands of XXXX creditors. It is not allowed to restrict user funds associated with the XXXX distributions. A review of all activity on this account will show that the account was used solely to receive the crypto, and the fiat dollars remaining on the account are from the crypto distributions. No other activity is on this account. 

Not only is this limitation activity likely illegal as it goes against a court appointed judgement stipulation, it is also morally reprehensible. I have already been a victim of the XXXX collapse already. Holding my funds and essentially stealing them a second time is outrageous.
Consumer complaint received 2024-06-12
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 want to inform the credit bureaus once again that I am a victim of identity theft and request the removal of these fraudulent items from my credit file. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to remove any items associated with identity theft. Here is the list of items I need removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Consumer complaint received 2024-06-11
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries 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 XX/XX/XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXXXXXX XXXX XXXX  XXXX - Incorrect Previous Address XXXX - Incorrect Date of Birth