davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to file a complaint with CFPB regarding the failure to provide proof of investigation in response to my dispute. I submitted a dispute to your company regarding XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX, and XXXX XXXX with account number XXXX. I request that you reinvestigate the information and provide me with proof of reinvestigation as required by the FCRA Act.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently disputed late payments that are showing on my credit report for my auto. I noticed this back in XXXX and started reaching out to the bureaus and the company I have my car with. I asked the main bureaus to investigate this and update my payment as it should be. I receive a letter that the information was accurate, and they would not be investigated because they think their information is accurate. What I ask them for was the payment history to show that I was late because this is clearly a mistake on their part and it's causing my credit score to be low and me being denied for a home loan I've applied for. I was never informed of any late payments. That means that I would have a late fee and I was not aware of that. I would like this to be corrected ASAP.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

My funds on my PayPal account amounting {$500.00} was taken by PayPal by themselves last month XX/XX/XXXX. My account was banned last year XX/XX/XXXX. I thought I can withdraw my funds after 180 days because this is what they say on the notification after PayPal banned my account. I have called their support several times to appeal and they always say there is nothing they can do about it. I also asked for a reason why this happened but they couldn't give a reason other than their XXXX saying that I had a violation for using their service. Maybe I did something wrong due to lack of knowledge in thinking that it is safe to use for funding money.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2024, I was approached by XXXX men when I was walking in a park ( XXXX XXXX XXXX XXXX, XXXX, IL ). They asked me to donate {$5.00} to their group, and I said okay. They insisted that they didn't want cash though because of COVID. I said okay and opened my Chase application on my phone to donate {$5.00} to them using XXXX on the Chase application. One of them took my phone to " put in their phone number ''. However, what he actually did was transfer {$2000.00} to himself. Afterwards, he deleted my Chase app, gave my phone back to me, and they went away. 

I immediately went to the police station after this happened and filed a report. I also called Chase and XXXX to report this unauthorized transaction. Both Chase and XXXX insist that the other company or the police is responsible for this case. I have filed a claim to Chase and they have done nothing but redirect me and file the information I've been giving them incorrectly. A couple of weeks ago, they turned down my case and said there was nothing they could do because it was an authorized transaction. 

I have a police report showing that this was a crime and not an authorized transaction. I also have never sent such a large amount of money at a time to anyone from my bank account. I don't have any digital or banking history with the person who stole my money.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

WAS LOOKING FOR THE CAR BUT NEVER GIVE PERMISSION TO RUN MY CREDIT REPORT WITH THE BELOW BANKS AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (TN)

I have disputed forXX/XX/2024,XX/XX/2024,XX/XX/2024, and this company has failed to resolve the inaccurate and incomplete information that is being reported on my credit reports. They stated that they are allowed to report my XXXX as XXXX XXXX which implies incompleteness of the account, and still failed to mark XXXX I disputed with the CRAs as disputed. They have not updated anything since I have been disputing against this company. This company is violating my rights under the FCRA and don't seem to think they are doing anything wrong. They failed to update the CRAs with accurate info since I put them on notice, they failed to mark the account as disputed, and they neglected to resolve the inaccuracies regardless of the fact that I stated that they are damaging my reputation, and it is causing actual damages and is inconveniencing my marriage and family. This is a cry for help. I don't have the funds to sue, and I am sick of this company abusing and taking advantage of me and my family while they continue to take our money. This company persistently violates the FCRA with no conviction while stating by default that my account is verified and that it reports accurately. This issue is seen in my XXXX report, XXXX report, and XXXX report.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (NY)

I am writing this letter to dispute the following inaccurate information on my credit report. I am disputing any and all debts, I am also requesting that the following items be removed off of my credit report immediately! I am also revoking any and all rights of communication between myself and the collection agencies whether it is by mail, email, text or phone calls. I am requesting debt validation as well as the purchase agreements the collection agencies and the original creditor. I will also like written proof that they are licensed and bonded. 

The collection agencies have violated the following consumer laws12 CFR 1006.34 ( b ) ( s ) but yet they have placed a collection on my consumer report I was not given a chance to dispute account according to consumer law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agencies is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. 

The collection agencies has no authority to furnish any accounts to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) The are the following account DISCOVER BANK
Consumer complaint received 2024-06-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

I've contacted Penny Mortgage four times about collecting an auto payment from me a month in advance. My mortgage was due XXXX XXXX and they took the payment on XXXX XXXX which was already prepaid. I called to ask for a refund since my home was in the process of closing and they should not have taken it since nothing was due. I called on XX/XX/XXXX and was advised I should revive a direct deposit to my account within a few days. Those days past and I called again. I called again and the representative told me it was going to take 10 business days ( which is XXXX. ) I called again on XXXX XXXX and was told that a supervisor told her that I should receive it by XX/XX/XXXX. Today, I'm on hold with another supervisor ( XXXX ). My home is supposed to close today and this horrible. This is the worst Mortgage company known to man. Their customer service is horrible and clearly answers change day by day/hour by hour depending on whom you speak with.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I need XXXX, Equifax and XXXX to remove late payments on account XXXX XXXX, XXXX department store, XXXX missed payment due to XXXX pandemic and weather desaster declared by governor in Michigan. The Berau companies asked to speak to the company but the company arent removing it or answering me back and they harming me because I want to apply for a mortgage and they not doing it. I need help thank you.
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I received a call back in XX/XX/XXXX, stating I owed funds. I do have a debt for the amount owed. So I didnt think anything of it other than trying to pay it off. I paid {$75.00} every XXXX weeks for XX/XX/XXXX to XX/XX/XXXX. They withdrawal funds and as I waited for my debt to be reported as paid off via my credit report I noticed XXXX almost 90 days it hadnt been reported. They said their website is XXXX and their phone number is ( XXXX ) XXXX. Supposedly the man said his ext. was # XXXX. They do not give you an option for an extension entry. 

I called and requested a paid off receipt and have yet to receive XXXX. When I called back no answer. After repeated called I get a business recording. My bank will not give me back any money as its been over 90 days per XXXX. I feel like such an XXXX over this as the debt is still on my credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TN)

In accordance with the Fair Credit Reporting Act, this reflects deficiencies under 15 USC 1681, section 604. This section states that I have the right to privacy ( 15 USC 1681, section 604 ( a ) ( 2 ) ). It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NC)

I Applied for American Express card XX/XX/XXXX and their denial states " Thank you for applying for American Express Gold Card. We are writing to let you know that, unfortunately, we can not approve your application at this time. 
Reason ( s ) for Our Decision Your XXXX score ( see below ) Information About Your XXXX Score We obtained your XXXX score from XXXX and used it in making our credit decision '' The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. 


VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ). 

The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her. 
Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain, unless XXXXne of the twelve disclosure exceptions enumerated in subsection ( b ) of the Act applies.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On the day of XX/XX/XXXX sometime in the afternoon I had two debit withdrawal come out of my account that I did not do or authorize, or give permission one withdrawal in the amount of first {$270.00}, and while I'm trying to contact them another withdrawal of XXXX comes directly out of my account, This account ending in XXXX I have had since XXXX from the last occurrence that took place in XX/XX/XXXX prior. Too continue I went to the branch first thing in the morning they could not help me just gave me the number to the recovery department and their manager isn't on site ( really ) what they did was give 3 account numbers I'm not even aware of, last personal check account I am aware of ended in XXXX so the other don't register which they closed and taken XXXX similar to what I'm mentioning now. When I finally do get in touch with someone from citizens they try to explain to me that's it's the right to offset. Not without reaching out to me to resolve the problem first by letter or phone call some form of written notice that I have not yet to receive about any money being owed to the bank, but still allow me to open up an new checking account this bank is acting in Bad Faith. And still mentioning XXXX dollars when XXXX dollars was paid to them XXXX on A account I have knowledge of pertaining to the XXXX that has been resolved only thanks to CFPB. As A consumer it's very unfair for a bank to operate like that just take money because I have a ln open account especially have an open account for the last XXXX  years as I mentioned for the last time doing that with no notification at all.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (MD)

Knowing the app was letting wrongful transactions add up because it was money on the account they continued to let it take place knowing that I was hospitalized during all of the transactions and repeatedly reporting disputes with them they closed my account with well over XXXX XXXX dollars in taken funds which I disputed all of the transactions so they are all are on file and yet to be returned to me. 
I am looking to seek more legal action if funds are not returned and settled
Consumer complaint received 2023-04-07
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. (GA)

I sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the certified XXXX # XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge of concerning any such items of information.

They stated my account was verified but how is that possible if they didnt not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything must be 100 % Accurate. I have the credit reports showing the inaccuracies. The Credit Bureaus stated my accounts was properly investigation, but how is that possible if the opened dates is inaccurate, the dates last active is inaccurate, last reported Is not accurate, last payments is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also next to each account In parenthesis is the count of violations. Also, I have downloaded a current copy of my credit report and I have circled each violation. 

List of the Accounts XXXX XXXX Account # XXXX ( 9 Violations ) XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX- Account # XXXX ( 8 Violations ) XXXX- Account # XXXX ( 8 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX- Account # XXXX ( 10 Violations ) XXXX XXXX- Account # XXXX ( 7 Violations ) XXXX XXXX XXXX- Account # XXXX ( 9 Violation )
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

On XX/XX/2024 I reported a fraudulent charge on my checking account. By XX/XX/2024 CitiBank had blocked my access to both my checking and savings accounts. I was unable to receive my salary or make any transactions. I was told I will need to visit a branch and I explained to several people I live in Georgia and bank online. I have had the same accounts for over XXXX  years. After being transferred several times to several departments I was informed on Monday XX/XX/2024 that my accounts are marked " deceased '' and I would need to get a letter from my local social security office to prove I am alive. Fast forward to today, XX/XX/2024. I have the letter from social security and have made several attempts to fax to their estates department and probate department. Fax on their end is being bounced back as " unanswered ''. I am again getting transferred and getting nowhere. I want my money out of that bank immediately!
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I demand to see the original signed verification with my original signature, before its reported to all three credit bureaus and then sent to collection. First I have been robbed and have police report to show it and then again during the pandemic I was robbed of my information and reported it to all parties and charge is fraudulent unless they can prove otherwise. I demand all charges be immediately removed and my credit score raised effective immediately! 

I also demand you cease and dismiss from all calls and communications to my families.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

When I submitted dispute to Equifax they requested that I fax in a number of documents. The fax number they provide on their forms is incorrect and has been this way for over a year. I have attached the form. Call the fax number yourself ... it's disconnected Clearly - they haven't corrected it to make the process more difficult for consumers.
Consumer complaint received 2024-06-27
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account 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