davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The FOLLOWING derogatory accounts allegations are UNVERIFIED, INCORRECT, and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : *XXXX XXXX Account # XXXX account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX and Experian XXXX XXXX. Please DELETE for inaccuracies. 

*CCB/ALPCOS- Account # XXXX This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX credit file. Please DELETE for inaccuracies. 

XXXX XXXX- Account # XXXX This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX and Experian XXXX file. Please DELETE for inaccuracies. 

XXXX XXXX- Account # XXXX ( DEROGATORY ) This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) This account has been paid and on time, has never been late and should not be reporting negatively on my credit file.I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX credit XXXX. Please DELETE for inaccuracies. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am deeply frustrated, I do not know why you keep reporting this inaccurate information on my credit, this has been already deleted by XXXX and XXXX. These lapses on your end are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It is so disheartening that my rights as a consumer is being violated in this manner.
Consumer complaint received 2023-10-25
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. (CA)

Since 2018, I have filed disputes to request the removal of a XXXX on my credit report. The responses has been ignored and have not been address by Experian. This has became detrimental in me securing employment and housing. I am enable to rent a dwelling and ascertain full-time employment.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

These accounts listed were opened without my knowledge. My identity was stolen to open these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

on XX/XX/2021 a mattress that I ordered online from XXXX XXXX was delivered at my home and left at my front door without my permission and without my signature.When I arrived home I found the Mattress soaked with rain seeing it was left outdoors .I tried for months to resolve the issue with the retailer XXXX  XXXX XXXX XXXX XXXX.with no success .they refused me a refund and would not honor their online return policy, or the state of Fl laws regarding returns.My complaint today is against the Synchrony Bank who I have a XXXX XXXX  Store Card .when I reached out to Synchrony Bank with my concerns they denied me any help in this matter and simply sided with XXXX XXXX without any relevant explanation .I paid off this account because I didnt want to jeopardize my credit score.I asked Synchrony Bank to ask XXXX XXXX for a receipt verifying that I signed for this delivery as proof .But the rebuffed my request provided me no proof of anything and basically rubber stamped what the retailer did.So to reiterate a delivery was made to my home from XXXX XXXX in inclement weather left at my front door without my signature, when I reached out to the retailer I was denied a refund and when I filed a dispute with Synchrony, the denied my dispute giving me no relevant reason or no corresponding paper work that I requested from the retailer showing my signature or any paperwork where I okd a drop ship I was rushing home to receive the delivery I never dreamed they would have just left it outside.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Fidelity Services, LLC (IL)

In addition to the debt being reported on my credit report by Midwest Fidelity Services LLC not being valid, it has come to my attention that Midwest Fidelity Services LLC is not licensed to operate as a collection agency in the state of Illinois. This puts them in violation of several laws, including but not limited to : 1. Illinois Collection Agency Act ( 225 ILCS 425/4 ) 2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ) 3. Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ) I have emailed them a cease and desist letter, asking them to discontinue all collection activities, as well as remove the collection from my credit report.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, I contacted customer service at Citi Bank about a {$1000.00} cash bonus advertised for opening a new Citi Priority Checking account with $ XXXX new money before XXXX XXXX, XXXX. I was informed in a letter dated XX/XX/XXXX from Citi Bank that no such promotions were available/linked to my account. 

However, there is a XXXX article dated XX/XX/XXXX detailing the exact promotion I used to open my Citi Priority Checking account : [ Citi Priority Checking Account Review XXXX ] ( XXXX XXXX XXXX ). The promotion ran between XX/XX/XXXX and XX/XX/XXXX. A printout of the XXXX article is attached. 

I opened my Citi Priority Checking account on XXXX XXXX, XXXX with {$100.00} and transferred {$10000.00} on XX/XX/XXXX, and then transferred {$65000.00} on XX/XX/XXXX, well within the promotion period. The money has been sitting in the checking account for 6+ months earning XXXX interest. 

Considering the promotion and my account opening date, I anticipated receiving the bonus credit sometime in XXXX, XXXX ( per the advertised 60-day wait period with a 21-day processing buffer ). As of today, XX/XX/XXXX, the credit has not been applied to my account. 

Additionally, I received a promotional flyer about this offer directly from Citibank at my home address, though I could not locate it at this time. 

I send a fax with a screenshot of the relevant part of the XXXX article to Citi Bank yesterday as instructed and are still waiting for their response.
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

Helvey and AssociatesXXXX XXXX XXXX has an account in collections in the amount of {$150.00} that i did not authorize or initiate.
Consumer complaint received 2023-09-04
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I think someone withdraw money from my account in it's hard to find out who was I really talked to Navy Federal about my account they said there's nothing wrong but if I go deeper I see there's a transactions of {$1000.00} {$500.00} and I'm missing money also I was going to get some money from XXXX and never receive it on my account I'll talk to the customer service they could get fixed they never reverse me the money and also Navy Federal never close my account and check the transactions also they're charging me I opened a credit card account and put {$500.00} on hold in case I don't pay the card when I couldn't pay the card they took the {$500.00} and they're charging me {$20.00} every month and I call customer service and they told me they're going to be charging me every month {$20.00}
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CO)

I found out from my other mortgage company that my mortgage loan was being transferred to Mr. Cooper in XXXX, TX. After reading the reviews of Mr. Cooper, I found out Mr. Cooper was in a law sue, and had to pay money back to its clients, people who were transferred to Mr. Cooper like I was. First of all, I don't agree that mortgage companies have the freedom to do whatever they want with my mortgage, and transfer it any time they feel like. Next, since the transfer started XX/XX/XXXX, without any notice from my previous mortgage company, I have yet able to talk to a person at Mr. Cooper. I have to listen to AI, and AI doesn't allow me to ask questions, nor be transferred to a live person. I'm not able to make a payment, and today is Thursday, XX/XX/year>. Every time I try to enter my last name, and my SSA number it comes back incorrect, and it doesn't allow me to continue with making the payment. I believe there is an error made either with my last name or my SSA number that has impeded me from continuing making my payment online. I wouldn't misspelled my name or write the wrong SSA #. I've tried to contact customer service, to no avail. I get AI or the chat instead. In the chat while typing my concern, it doesn't go through, and it keeps asking to repeat and enter my concern. 
Lastly, if I am not able to pay my mortgage by XX/XX/XXXX, I WILL NOT PAY A LATE FEE NOR IT WILL BE REPORTED AS A LATE PAYMENT. 
NO WONDER MR. COOPER WAS INVOLVED IN A LAW XXXX. I WANT OUT OF THIS COMPANY ASAP!
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Portfolio Recovery calls from a bunch of numbers. They call daily or twice a day. Almost never leaves a message or it's so garbled or such a heavy accent you can't fully understand what they are saying. I've tried to block them. They have somehow gotten my number even though it's on the no call list or under robokillers website or suspicious numbers.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examination of my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no reply, nor has adequate validation been provided. I request your assistance in addressing and resolving this matter swiftly and effectively.
Consumer complaint received 2024-07-18
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. (OK)

As per the guidance from the Consumer Financial Protection Bureau, the documents needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of The Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted from Trans Union. Please delete the following accounts : XXXX Acct XXXX XXXX {$930.00}, XXXX XXXX XXXX Acct XXXX XXXX {$9100.00}, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (KS)

During Covid 19 my payments where behind during lost of my job temporary My husband became XXXX and was hard to keep up with payments. 
We requested help to put back payments to the loan.
Consumer complaint received 2024-07-09
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (CA)

I was issued a prepaid debit card. I realized it had expired on XX/XX/24 and called to get a card reissued per the text on the back of the card which stated that a card reissue fee of {$12.00} is applicable. They said that because it had expired the funds were forfeited and the card could not be reissued. The card had a balance of {$970.00}.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

Dear CFPB officers, I hope you are well. My name is XXXX, and I bank with Juno Bank. Over {$8000.00} of my hard-earned money has been frozen in Juno Bank for months, and I am reaching out to you for help. 

In XXXX, XXXX XXXX went bankrupt, affecting around XXXX people, including myself. Since XXXX, we havent been able to access our funds due to issues between XXXX and its partner banks. This has caused significant financial hardship for many of us, including struggles to pay rent, buy groceries, and cover other essential expenses. 

Despite advertising FDIC insurance, it doesnt cover this situation, leaving us without protection. Like many others, I trusted the assurances of safety and stability. XXXX companies often serve vulnerable populations, and this situation has put many in a dire position. 

Federal agencies like the CFPB, Federal Reserve, FDIC, XXXX, and XXXX have not stepped in, claiming its out of their jurisdiction. We only have support from a U.S. Bankruptcy XXXX and the new trustee of XXXX XXXX. 

I am asking for your support to create legislation to better regulate fintech companies and protect customers in situations like this. Your intervention with responsible agencies would also be greatly appreciated. 

I am deeply worried about losing this money and feel betrayed by a system I trusted. Please consider helping us in any way you can. It would mean the world to me and many others. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I leased a XXXX XXXX through Toyota Financial Services. On or around XX/XX/XXXX, approximately one month before the lease ended, XXXX XXXX bought out the lease ( which included the XXXX and XXXX payments ) and I leased a new vehicle through XXXX XXXX. On or around XX/XX/XXXX, I received a statement from Toyota Financial claiming my payments were past due and I owed {$1300.00}. I called Toyota Financial on XX/XX/XXXX and was told the following : - Toyota received payment for the purchase of the vehicle ( including XXXX and XXXX payments ) on XX/XX/XXXX ; - Toyota was " behind '' on processing payments, and so my payment was being held and had not yet been processed ; - Toyota " usually '' processes the payments within 15 days ; - Toyota had already reported by loan as unpaid to the credit bureaus ; - Toyota would process the payment at some point and then I could contest the inaccurate credit reporting at that time. 

I notified the agent, XXXX, that I believed holding the payment and reporting my loan as unpaid to credit agencies AFTER the payment was received was in violation of consumer protection laws. I asked how the late fees that were inaccurately applied to my account would be resolved and the agent did not have an answer. I asked when my payment would be processed and the agent did not have an answer. 

The agent put me on hold for an extended period of time to transfer me to a supervisor but " no one was available. '' I was told I would receive a call from a supervisor within 72 hours. I never received a call. On XX/XX/XXXX, I received another statement from Toyota Financial claiming I still owe {$1300.00}.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (VA)

I have a checking Account with Banco poplar in XXXX XXXX. The checking account is in my husband and my name. My name is XXXX XXXX. I have been making online deposits ever since Ive moved off the island for the last 2 years. Recently, the bank rejected my deposit I made electronically. I wanted to transfer funds from my bank account in XXXX  from XXXX XXXX XXXXXXXX to my Banco Polular account. The only way to do this is to write myself a check and deposit it to BPPR. I made the check out to XXXX XXXX. The check was rejected and will not be accepted unless the check is made out to XXXX XXXX. XXXX is not my Apellido it is my middle name. no one makes out checks to me for XXXX XXXX. Checks are made out to XXXX XXXX ( my legal name ) as shown on my passport and drivers license. I have explained this to the bank that in Virginia we don't use XXXX and XXXX is not my legal last name and they will still not accept checks made out to XXXX XXXX even though the Banco Popular account is held by XXXX XXXX XXXX XXXX wants me to come into a branch office and sign documents. I explained that I no longer live in XXXX XXXX so this is impossible. Not sure how else to correct this, especially since this has never been an issue until the last XXXX months.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

XXXX previous case USAA stated that when the account owner added me as an authorized user, I can not opt out of credit reporting. they agreed to stop future reporting once I was removed. I was removed and the transaction was removed from experian, but is STILL reporting to XXXX and XXXX as of the XX/XX/2024 credit report. I want the tradline removed from those two reports!
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/year>, {$540.00} was transferred into my PayPal account. One the same day, I transferred the money to what I thought was my husband 's PayPal account. Within XXXX hours I realized he hadn't received the funds. I contacted PayPal immediately. They said the funds had been sent to a different person with the same name as my husband and there was no way to get the funds back. I have talked to PayPal at least XXXX times since then and they have been totally unresponsive.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (CT)

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.