davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In accordance with the Fair Credit Reporting Act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 


XXXX. Account info Account name XXXX Account number XXXX XXXX. Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX XXXX. Account info Account name XXXX XXXX XXXX XXXX Account number XXXX XXXX. Account info Account name XXXX XXXX XXXX Account number XXXX XXXX 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 account without my written Instructions.

15 U.S. Code 1681 : It also states a consumer reporting agency can not furnish a account wihtout my written instructions. 
( A ) Reporting information with actual knowledge of errors 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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation (TX)

I had disputed the problem to remove the negative remarks on my credit report, Its showing POTENTIAL NEGATIVE, in a couple weeks, I looked for the dispute to be compete and it stated payment late. I had called to explain to them that the payment was paid completely and the negative remarks need to be removed completely. This needs to be settled right away. I am paying off my debt and credit cards completely.
Consumer complaint received 2024-01-13
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding the reporting of a INACCURATE past due payment that NEVER WAS PAST DUE, yet the credit bureaus and XXXX XXXX are showing the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the XXXX  submitted from XXXX  to credit bureaus.
Consumer complaint received 2024-05-30
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXXXXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (TX)

I did not authorize these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (DE)

I am a XXXX and I requested a pin for a cash advance. Once they received notification of that request I get an email that they lowered my limit from {$20000.00} to XXXX my balance was around XXXX on one card and they lowered the limit on both cards. I called them and they stated based on credit. credit was never pulled and in fact my scores increased to over XXXX. I don't have any delinquencies or blemishes on my credit. my scores are high because my balances are not maxed out. I'm very cognoscente of my credit because of what i do for a living. I particular use this card because it give me airline points for free tickets. I believe that the mere fact that I requested a cash advance alerted them to assume that there is financial difficulty, and they lowered my balances which has now affected my score. lowering my limit to my actual balance dropped my score XXXX points because it looks like I now have two cards maxed out. You can not offer the benefit to a customer cash advance and the minute they want to use that benefit you flag them. I want my limit increased back to where it was to increase my score. they can also close my account but increase my limit so my score is back where it was. i do not wish to use them or patronize them any longer. this is not the type of business tactics I want to be associated with. I have found that they have done this to several people and there's no recourse. it's not fair that they drew me in with the benefits and as soon as i tried to use them im penalized. they have no proof that my credit was a factor because my credit is excellent, well was since they lowered my limit and score has been affected
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Dear PayPal Customer Support, I am writing to appeal the permanent limitation that was placed on my PayPal account with the email address XXXX. I believe that this decision was made in error, and I have not violated any of PayPal 's policies. 

Firstly, I would like to emphasize that I have been a loyal PayPal user for several years and have always complied with the terms and conditions set forth by the company. I am confident that I have not engaged in any activity that would warrant a permanent limitation of my account. 

I believe that there XXXX have been a mistake in the review process, leading to the permanent limitation of my account. I would like to request that PayPal re-investigate my case and consider restoring my account, as I believe this action was taken unjustly. 

As a PayPal user, I understand the importance of adhering to PayPal 's policies and regulations. I have always taken this responsibility seriously and would like the opportunity to continue using PayPal to conduct my financial transactions. 

I appreciate your attention to this matter and respectfully request that you review my case with utmost care. If there is any further information that I can provide to assist in this process, please do not hesitate to contact me. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-01-13
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. (IN)

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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Equifax is reporting inaccurate and outdated information that has an adverse impact on my credit file. I have disputed the information in my report from XXXX XXXX XXXX which shows I have a past due balance. That information is incorrect and also doesnt show the show a complete accurate and correct historical data.
Consumer complaint received 2024-01-13
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. (GA)

Opt-Out Request for Credit Reporting I am writing to formally request that you exclude my personal information from your credit reporting system. As an individual concerned about my privacy and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I wish to exercise my right to opt out of the credit reporting services provided by your agency. As a federally protected i am now opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6082. Which States : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

COMPANY : XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER : XXXX Please be advised that I understand the implications of opting out of credit reporting. By choosing to opt out, I am aware that it may limit my access to certain credit opportunities, as lenders often rely on credit reports when evaluating loan applications. 
Nevertheless, I am committed to maintaining my privacy and believe that the benefits of opting out outweighs any potential drawbacks. 
To assist you in processing my opt-out request, I have provided the necessary information below : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you update your records to reflect my opt-out preference promptly. 
Furthermore, I request that you notify all affiliated credit reporting agencies about my decision to opt out, ensuring consistency across the board. 
Please acknowledge the receipt of this opt-out request in writing within 30 days of receiving this letter. Additionally, please provide a written confirmation once my opt-out status has been processed.
Consumer complaint received 2024-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (OH)

WELLS FARGO EXECUTIVE CASE SPECIALIST : " XXXX XXXX SUBMITTED A FALSE LETTER DATED XX/XX/year>, IN VIOLATION OF A CEASE AND DESIST ORDER. THIS LETTER IS LACED WITH FALSE INFORMATION PROVIDED TO THE CFPB ( A GOVERNMENT AGENCY ) OF WHEN MY MONTHLY MORTGAGE IS DUE, ALONG WITH WHEN THE MOST RECENT ELECTRONIC SUBMISSION BY WELLS FARGO FOR THE MONTH OF XXXX XXXX4 OCCURRED. ALL APPLICABLE DOCUMENTATION HAS BEEN INCLUDED WITH THIS COMPLAINT. 

NEXT, EXECUTIVE CASE SPECIALIST, XXXX XXXX ACKNOWLEDGES THAT WELLS FARGO HAS A CEASE AND DESIST ORDER ON FILE, BUT CHOSE TO IGNORE THIS ORDER. WHICH IS ANOTHER VIOLATION. THIS ALONG WITH A PHONE CALL FROM A CASE SPECIALIST NAMED XXXX XXXX XXXX  THAT SAID TO ME THAT BECAUSE I FILED A COMPLAINT WITH THE CFPB, THIS GIVES WELLS FARGO HOME MORTGAGE TO CONTACT ME VIA TELEPHONE.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023, I learned that for two years, my husband and I have been receiving 0.3 % interest on our XXXX savings accounts at Capital One. This is despite Capital One 's well publicised increases in savings rates over the past two years. On XX/XX/2023 ( and still today ), Capital One shows their savings interest rate as 4.3 %. Yet, they have given us only 0.3 % They have only one type of savings account ( there is a kid 's checking/savings and a CD but only one savings. ) My concern is that Capital One is paying its older customers a lower rate than new customers for the exact same savings accounts. This is highly concerning. We lost out on approximately {$20000.00} in interest. We have over {$500000.00} at Capital One. 

On XX/XX/2023, I wrote to XXXX XXXX, XXXX of Capital One. His office responded that they can offer any accounts they want and they can not help me. No explanation about the 0.3 % rate or why it was not published anywhere on their website. 
I would appreciate any help the CFPB could provide to recover lost interest.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

Dear sir or madam, I have a XXXX XXXX  account with Wise US Inc and transfered XXXX to someone on XXXX of XXXX. After 6 business days the money still didn't arrive ( I saw screenshots of the receipents recent transfers ). 
I entered a call request on XXXX XXXX but never received it. I can't call them directly, because they only do call back. 

Please let me know what additional details.you need. 

Thank you and XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MO)

XXXX XXXX  - Collection XX/XX/year> XXXX account. {$110.00} past due as of XX/XX/year>. 
XX/XX/year> {$110.00} XX/XX/year> XXXX  % {$110.00} {$110.00} 1 Month Individual I have never had an account with XXXX. 

Repeat I have never had an account with XXXX! 
I demand this fraudulent account be removed immediately!
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a collection account listed on my TransUnion credit report listed as XXXX XXXX Account # XXXX for the amount of {$2200.00}. 

An a collection account in my XXXX credit report listed as XXXX XXXX XXXX Account # XXXX for the amount of {$2200.00}. 

I am requesting validation of this debt from this collection company.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (FL)

I received a few phone call from different credit card company XXXX XXXX. XXXX and XXXX all those business credit I do not have no knowledge of those cards claiming I have a card with them. I informed them that I know nothing about this card. I have a police report stating that my wallet, which contained my credit card, XXXX XXXX, Social Security card, and passport, was stolen from my car. The police never updated me on the situation with my car, but I do have the police report, a letter, and an FTC report that I can provide.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 2024-01-13
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. (LA)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates of [ XXXX  ]. Please investigate and provide proof of with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks please see screenshot attached :
Consumer complaint received 2024-06-21
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. (TN)

I reached out to the reporting agencies online to get a copy of the information from my credit reports and XXXX XXXX report. I was sent a reply from the company stating they could not send me any information. I reached out on two separate occasions and both times I was denied documents. The improper reports are creating identity theft situations well as fraud occurrences that is creating financial incorrect information that is causing incorrect assessments making any payments as a result of the inaccurate report excessively elevated causing financial hardship as a result.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

I deposited a cashiers check at Navy Federal Credit Union. The source of the funds is from an account that we have at XXXX XXXX XXXX. I was told by the cashier that the funds would be available in two days. The bank sent a message saying they suspected fraud and believed that they would not be paid for the check and were delaying the release of funds. I contacted them to let them know I was the source of the check and I knew it was good and asked why they thought the cashiers check that I paid for was fraudulent. They refused to give me any information.
Consumer complaint received 2024-01-13
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. (IL)

Subject : Dispute Regarding XXXX XXXX Account Number XXXX Dear Transunion I am writing to dispute the inclusion of XXXX XXXX account number XXXX on my TransUnion credit report. I believe my identity has been compromised, and I want to bring to your attention the discrepancy in reporting among the credit bureaus. 

All other credit bureaus, including XXXX, have promptly removed the negative account from my credit profile upon investigation. I have evidence to support this resolution. However, TransUnion has not responded within a reasonable timeframe, exceeding 30 days for their investigation. 

Given that XXXX has already taken corrective action, I urge TransUnion to expedite the removal of the contested account from my credit report immediately. Your swift attention to this matter is crucial in rectifying the impact on my credit standing. 

Thank you for your prompt assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Two separate issues : 1 ) Delinquent Payment Reflected For Debt Not Made Known to me : This debt was not notified to me by the government when I left service to the Army. This was paid as soon as knowledge of the outstanding amount was made known to me. This charge was never overdue and collections record should be removed.

2 ) Federal Student Loan Consolidation Has Resulted In Outsized Reduction to Credit Score : Consolidated loans I have been carrying for over 10 years, with no additions, and this simple act has reduced my credit score, across reporting agencies, by > 30 points. These are the same loans, which have always been in a paid timely status, so I am shocked at the punitive negative impact inflicted by following Biden administration guidance to consolidate. Please investigate how these changes are justified and request adjustment to reflect actual risk adjustment incurred under IDR plan.