davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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)

Opened Venmo account to potentially accept rent from tenants about a month ago. 

Venmo flagged the account for suspicious activity, before I even linked a bank account or card to it, let alone made/received a payment. 

Thought this was absurd, found an alternative service that is more geared toward landlords and accepting rent payments via ACH. 

Requested they close my account. They requested my photo ID. I find this request entirely unacceptable and a violation of my privacy. They have no need to require an ID to cancel an account that is frozen and unusable because of ... " lack of ID verification. '' I do not want this account to be left open and subject to fraud, misuse, or data breaches. 

They refuse to close my account ( that is inactive/has never been active ) without photo ID.
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: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I went to the bankruptcy court and asked do the report bankruptcies to the credit bureaus and they gave me a signed letter stating They do not report to any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. 

Ive written the credit bureau plenty of time about the inaccuracy in XXXX, XXXX, XXXX, XXXX, Ive even showed that XXXX deleted the bankruptcy on XX/XX/XXXX, which XXXX and XXXX claims how they validated the bankruptcy info They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AZ)

Date : XX/XX/XXXX I have been trying to get my statement close date changed to better suit our financial needs. I have called twice in XX/XX/XXXX, again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After multiple attempts, they still have not resolved the statement close date request. Each time I have called there is a different policy recited to me. the corporate office has done this as well. They change the policy to suit their answer. They arbitrarily picked a close date without my permission, changed it to that date without contacting me, and did not use the date provided and requested. To date, I have not received one phone call back from all the dates listed above except once. It is still not resolved.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (WA)

XXXX XXXX XXXX  closed my account and wrote it off & sold my account to XXXX XXXX and I sent them a debt validation letter which was delivered on XX/XX/2024 which is well past 30 days, no response & as soon as they got the letter they either alerted XXXX or they themselves then tried to sell my account to XXXX XXXX XXXX XXXX XXXX XXXX ( once they got another address for me ) I would like to file a complaint against these folks because they should have already removed the listing from my credit and not tried an underhanded technique to try to further come for me, especially when the debt has been paid towards twice : Which Is Fraud : See UCC Laws : Thank You
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-02-27
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. (MI)

I have filed a complaint with the XXXX of Michigan regarding this matter. The XXXX stated that XXXX XXXX XXXX should not be reporting to any of the credit bureaus as it is over the 7-year mark that is required by law to do so. Experian is the problem. When I contact the credit union they tell me that they are no longer reporting to any credit bureau. The loan department shows this as well as the collection department at the credit union. No other credit bureau is showing this information except experian. Each time I dispute it they refuse to delete it. It has very limited information and the negative information shown for two of the months is incorrect as well. It needs to be removed completely from my XXXX credit report. 

XXXX XXXX handled the complaint and I have provided a screenshot of the complaint number.
Consumer complaint received 2022-01-31
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
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: LEXISNEXIS (AR)

On XX/XX/2023, I initiated submitted a complaint via CFPB to LexisNexis to remove Bankruptcy from their database due unlawful practices according to the 15 usc 1681a- ( e ) and I also provided supporting documents to support my claim. LexisNexis responded back with a response to CFPB with a document attached outlining their response. However, the letter is clearly addressed in my name, BUT it was mailed to UNKNOWN ADDRESS of XXXX XXXX XXXX XXXX, XXXX WI XXXX. I have never lived at this address. All of my supporting documents that were submitted to LexisNexis have my correct address included on my Driver License. This is a violation of my privacy and confidentiality. LexisNexis also mentioned that on this response document mailed out on XX/XX/2023, addressed in my name ( XXXX XXXX ) but mailed to the Unknown address " a resolution letter outlining the results of our reinvestigation and XXXX XXXX 's statutory rights was mailed to her directly for her review ''.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MD)

Dispute Request for Unauthorized Transaction on XXXXWells Fargo Dear CFPB, I am writing to report an unauthorized transaction on my XXXX account that occurred on XX/XX/2024. I have been scammed out of {$1000.00} through a fraudulent transaction on XXXX. 

On XX/XX/2024, my friend from college and military training posted a message on XXXX claiming to sell a car. After communicating with the user stating family members would like to purchase the vehicle and agreed to buy the product for {$6000.00} and made {$1000.00} security payment/deposit through XXXX ( using welsfargo mobile app/checking account ). However, I never received the product, and the user has since disappeared from XXXX. 

I believe that I have been a victim of fraud and request your assistance in disputing this transaction and recovering the funds. I have already contacted my bank and filed a report with them, they are not even willing to investigate the issue. However, I am reaching out to CFPB directly to expedite the resolution process. 

I have called multiple times to speak with Well Fargo fraud management such as representative XXXX and XXXX, but their are not even willing to investigate further the case nor care about such fraudulent claims. XXXX XXXX stated during my complaint follow up call on XX/XX/2024, the money recipient has XXXX  XXXX XXXX account and utilized that bank to receive the money. My complaint is we live in this great nation where laws are in order and why Banks conduct such transactions when fraudulent individuals use their services to steal hard earned citizens money. I have attached the transaction details and any relevant information that may assist in investigating this matter including police report /case number. I urge you to take immediate action to investigate this fraudulent transaction and help me recover the funds. 

Please contact me at your earliest convenience to provide further assistance in resolving this issue. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (PR)

SPS demanded full payment dismissing my dispute initially in 12 months - for an amount that exceeded {$300000.00} - and then adjusting to 24 months and refusing to adjust to 36 months by employing tactics of requesting in bad faith unneeded and repeated information that I exhaustively provided and putting in peril my home retention. The file is voluminous and will demonstrate the bad faith observed in this never ending process. They mistakenly paid property taxes for semesters a prior service bank had paid and for taxes interest and penalties that could have been avoided if paid under an amnesty that I had repeatedly plea for them to use. They then harassed me demanding the full payment they mistakenly paid to the tax revenue office XXXX in 12 months. Then in 24 months and have refused to consider 36 months. I dispute being obliged to pay such taxes in arrears. That was the bank obligation to pay with the escrow they collected from me. SPS fail to audit any tax debt before they took over the servicing from XXXX XXXX XXXX XXXX. So all this errors mistakes and omissions they want to pay for in full and interest.
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (DC)

I have had several complaints with this mortgage company. Funds were paid to the company on my behalf in the amount of {$34000.00}. I have ask for any elementary explanation of how the money was applied. The amount owed was {$27000.00}. I have ask how the funds where applied and where is the remaining amount. They have since sent me a spreadsheet with language only they would understand. I want it explained to me as if I was a XXXX XXXX XXXX  so it's clear where and how the funds were disturbed.
Consumer complaint received 2024-02-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLIANT CREDIT UNION (IL)

I got my car stolen from me a couple days ago and Im a travel XXXX and my insurance cant help me with anything not even a rental. I have no one to rely on and Im getting help from no one. Getting a rental or canceling my lease because I pay {$500.00} a month for that car plus another {$200.00} for full coverage. Ive never been in a car accident. I dont understand what I was paying insurance for in the first place is they cant help me with this unfortunate event Im going through.
Consumer complaint received 2024-05-04
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. (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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kohn Law Firm S.C. (WI)

I have owned homes since the XXXX, and this one since XXXX. I have NEVER been late on my property tax, and my invoices always thanked me for paying my last bill on time. In XXXX last year I received a late notice from the City of XXXX Property tax people and they wanted a XXXX late fee and the amount due for XXXX and XXXX, coming to $ XXXX. I knew I paid and checked my bank account online. It said XXXX was paid on the XXXX and XXXX on the XXXX. I remember their warning letter to me was sent after the check was deposited. 
I called the city and explained I have no idea why it was deposited on the XXXX as it was sent like all the others for decades. I noticed they have a notice on all bills now the mail has changed so plan ahead. I do know I've had 5 different mailmen lately, since covid and the new head of USPS. I also do not know when THEY, the city, deposit things now. I remember a notice they weren't there and listed ways to pay now. 
Anyways, XXXX AND XXXX were paid and I was paid up for the year but they still wanted their XXXX. I said that is steep for a late fee, most companies excuse people late 1 time ( even tho I wasn't ). She said I have to pay. I'm guilty with no proof. 
I called and wrote my alderman. No response. My county supervisor..she contacted the alderman. No response. Then I get a collection agency using a lawyers name Kohn law office. I researched and a XXXX XXXX was the founder but I don't think he works there. NOW the bill is like {$82.00}. I WROTE A CEASE AND DESIST LETTER ( certified ) telling them not to contact me. I would deal with the city directly. THEY DID WRITE ME BACK.. This time it was a XXXX XXXX, Attorney at law. He sent a bunch of print offs saying " Here are the documents you asked for. '' I asked for nothing. I have all I need. He's just keeping his agency on the books for more money. 
Then I wrote my representative in XXXX, who contacted my alderman who told him he handled it before.?? XXXX XXXX,, alderman, secretary, XXXX called me and said she had this trouble once and they will sue me and take me to court and you'll pay {$900.00}. The collection place said they might assign it to an attorney for suit and I might get a lien on the house. {$76.00}! And I sent everything on time. So today I get a ad in the mail from a guy who buys houses from tax delinquent people. This collection agency is harrassing me and I'm not delinquent and never have been. I'm XXXX years old. 
Help me. I refuse to pay when I was never ever late. 
XXXX, the secretary said the city is bad cuz they're short XXXX XXXX on property tax. It's wrong.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (NV)

ive been working on a loan modification for a few months now, I called to get the status and they said I was denied due to the fact that Im not working again. However, I informed them I was working and she resubmitted it. I called back a few hours later, they said I was approved and offered me a trial period of three months for {$1400.00} a month. That was a Friday, I called the next Monday and then they said that offer was offered prematurely and that I was denied. I would like you to speak with Rushmore Servicing about this issue and let them know that I do qualify for a loan modification because Im making enough money and have three other sources of income on top of my job. That being XXXX dollars a month and plasma donations, {$500.00} a month babysitting and {$750.00} a month from my roommate. I make more than enough income to qualify for a loan modification. Denying them simply not wanting to help me, when I put {$220000.00} cash down on the house, that I dont want to lose. Please help me!
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (AL)

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 : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (PR)

m writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquirires that I did not request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX