davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

On XX/XX/year> XXXX sent me the results of an investigation into my CFPB complaints cases XXXX and XXXX. In the letter detailing the results, it stated that payments were made on various dates and one XXXX payment was returned. It also stated that the correction to my credit reports for a 30 day late payment could not be adjusted/removed UNLESS a banking error had occurred. THIS is exactly what happened. A payroll direct deposit was suppose to be automatically made XXXX. And it was, but the bank didnt deduct the payment due to it being a new direct deposit account. The funds were in the account. The bank acknowledges that pending payment should have been processed. No insufficient funds fee was charged to me. Also my overdraft protection should have covered the amount. So there was actually two banking errors. 
The returned item should not have been. This was a banking error and falls within the parameters set by XXXX XXXX  that would reverse the 30 day late payment. XXXX needs to abide by its own statements. Their investigation results letter is enclosed. Proof of banking error is also enclosed.
Consumer complaint received 2024-07-30
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2023-08-29
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. (TX)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-05-04
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. (MA)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

Full name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX address : XXXX Phone XXXX American Express Membership Number : XXXX Hello, I used to have an American Express XXXX credit card XXXX and it never had annual membership fees. In XXXX, I received an American Express XXXX card, which I never applied for and didn't use until XXXX. When I first received the card, I thought it was an upgrade to my old card, which I wasn't using. Time passed, and American Express never sent me a bill for the new card to my residential address. 

Now, when I started using my card and looked at my online account, I suddenly see all these 3 years ' membership fees. I tried calling them last XXXX, which they opened a dispute on and never accepted fault. Now, they want me to pay all three years ' membership charges and other fees associated with this. Please help me in this regard. I never applied for this new American Express card. I think they are intentionally sending these cards to people to charge membership fees. When I asked for proof of applying for this card, they are not providing anything. Please help me in this regard. 

Please call me on my cell phone or email me if you need anything else from my side. 

Appreciate your help in this regrads.
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 XXXX : XXXX Account XXXX : 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 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (AR)

I was double charged for my monthly car payment. I've been trying to get my money back since XXXX XXXX it is now XXXX XXXX and they still haven't returned it. I've talked to two different managers and also the case worker. They keep telling me it should be there today or tomorrow. They've been telling me this for almost a week. Now I go to my account and they didn't even process the reversal until the XXXX. My problem is ( besides them not returning my money ) that they keep lying to me every time I call. Each person I've talked to has told me a completely different story. When I question them on it they won't even answer my question, they just apologize and assure me it'll be back in my account today or tomorrow. And now my case worker won't even respond to my phone calls.
Consumer complaint received 2024-09-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (VA)

This company is reporting to my credit report for a XXXX bill/account that I do not owe. I went to this cable company directly and all bills and equipment has been returned and paid to a XXXX balance. I have also submitted several request to this debt collector so I can obtain the debt validation. I would also Like to see what documents or method of verification they have provided to XXXX to prove this is a valid debt.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

I HAVE A RIGHT TO ASSERT A CLAIM AGAINST THE CREDITS FOR THE GOOD AND SERVICES FOR WHICH THEY WERE EXTENDED UNDER THE TRUTH IN LENDING ACT REGULATION Z. 


1026.13 Billing error resolution.

( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.

( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) ( https : //www.consumerfinance.gov/rules-policy/regulations/1026/7/ # a-2 ) or ( b ) ( 2 ), as applicable, and 1026.8. 

( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. 

( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.

( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.

( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.

( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (IL)

I tried to close my account at US Bank because I was switching to another bank. They said I could not close my account because of a overdraft protection fee. That was a fee that had over a XXXX percent interest rate that I wasnt told about and didnt sign up for. In the spam of a few years, with that over XXXX percent interest rate, that overdraft fee ballooned to over XXXX XXXX dollars and I didnt know about it. I am upset at US Bank for signing me up for a predatory loan practice like that when I didnt know any better. I dont want to pay it.
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. (PA)

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 XXXX Account Number : XXXX Account Name : 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 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (MD)

I hope this finds you well, The action taken on XX/XX/XXXX hardship letter was presented to Mr. Cooper explaining details of the hardship. We had file XXXX in XX/XX/XXXX we experience 50 % income decreased following during Covid and resulted to apply for XXXX  XXXX during this time. There are major factors of explanation for this hardship During XXXX we were approve for the XXXX  XXXX program {$60000.00} which would have cleared the rearrange to have a fresh start. The requirements to receive the funding the bankruptcy XXXX  XXXX had to approve this application, Once approve by Trustee we were advised to discharge the XXXX  XXXX to move forward to accept funding. The approval of XXXX  processing time around XXXX  month. In result of the discharge Mr. Cooper immediately prepared to file for new proceeding to result the XX/XX/XXXX statement which increased the balance {$10000.00} more which place over the limit to receive funding From XXXX  XXXX. After we could not move forward we have continued to request to restart the modifications to keep our home. I will upload supportive documents. During this process we thought a third party of professionals could assist with communications however what look to great option turned into other concerns, mislead and it appears the loan specialist, bankruptcy attorney department and modifications department are not on the same page. We have continue to request Mr. Cooper Investors for the approval for the original modification acceptance for rearrange XXXX.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

on XX/XX/year> I made a purchase of XXXX for a custom engagement ring on XXXX, and paid through Paypal. on XX/XX/XXXX I filed a dispute with Paypal, at the direction of the Seller because I requested my order be canceled, due to them making the wrong item. The seller then shipped me a fake item and provided the tracking number for the fake item to Paypal. Paypal denied the dispute due to the provided tracking number, despite pages and pages of proof that the seller said I would get a refund, and proof that the item was not the item I paid for. Even had screen shots of the seller hold my refund hostage in exchange for fake 5 star reviews. I then filed a dispute with XXXX XXXX  and it was denied. I was told that they only approve claims on the basis of unauthorized charges, not scams. Now neither Paypal or the bank will help me. 

The seller is exploiting loopholes in Paypal 's dispute process in order to steal money from customers. Their shop on XXXX was shut down due to fraud. Paypal states they will flag the seller 's account to track for scams, but can not give me my money back.
Consumer complaint received 2024-02-09
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (AZ)

I receive court ordered benefits on my way2Go MasterCard through the state of Arizona. They have issued duplicate card to someone else as well as given them my children, my unemployment, social security benefits, my back pay and recently my housing making me homeless. This is identity theft and fraud and no one is doing anything about it. Please help!!! They wont even update my contact information so I can access my account online or through the app. They are using my old address XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX. I am also dealing with mail theft so I put a hold on my mail for that address today, just in case. Please stop this extremely illegal irrational behavior of Department of economic security, department of child safety and social security administration. My children and I need help. I'm being intimidated threatened hate crimes.
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (CA)

Starting way back in of XXXX. I was laid off from my position at work due to the impact of Covid in my industry. We fell behind on our mortgage payments. In working with our lender. Both parties agreed to a 6 month payment plan. After which the 6 months of mortgage at a higher monthly payment was made. We were returning to our original monthly mortgage payment. The monthly mortgage payment was not adjusted back to our original payment. The lender stated that we are still under review and to keep making the payment at the higher rate until notified. This was not what we agreed upon. We hired an a Law firm to argue on our behalf. We went through the whole process again. Instead of paying the lender. We were now paying the law firm. We finally received a loss mitigation letter. I received the letter on XXXX XXXX. The lender decided on a large upfront payment due on the XXXX XXXX. Then a larger monthly payment for the next 6 months. Not stating anywhere on the letter when we will be approved. 

I have requested a copy of our original loan agreement by certified mail and email to the lender with no response. There are other practices like not receiving a demand letter from the lender. When the demand letter officially started. A hard inquiry of our credit reports without any permission. That I believe to be incorrect. We have submitted every item requested and continued to keep up with current request from the lender. This whole time we are falling more behind on what we owe. When were in an agreement that was not held up by the lender.
Consumer complaint received 2023-07-03
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: GLA Collection Company, Inc. (IN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (MD)

This complaint against PNC Bank centers on its customer service and the banks total disregard to correct a banking error they mad. I have been paying bills through PNC Bill Pay for several years now and in mid XXXX I setup a payment to my credit card that was to be sent by XXXX XXXX. Due to the amount of the payment and with out notifying me when I set up the payment PNC mailed a check vice a wire transfer. The payment was received by the credit card company on XXXX XXXX vice the XXXX XXXX. Due to the late payment, I was charged a {$40.00} late fee, {$150.00} in interest and a late remark reported to the credit bureau. 
Since this time, I have filed three formal disputes with PNC and spent numerous hours on the phone talking to PNC Customer Service. Two of the disputes were rejected within ten days and the third was submitted a month again with no response. PNC is taking no responsibility for sending the payment late and is stating the {$190.00} in charges I received were from the credit card company and that only the credit card company can reimburse these charges. 
This in no way was the credit card companies fault, the payment was received late due to poor PNC processes, and they refuse to admit their fault and reimburse my account.
Consumer complaint received 2024-05-04
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 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 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 2024-02-12
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: TD BANK US HOLDING COMPANY (CT)

I have XXXX XXXX  as my first mortgage and TD Banks as my 2nd. I filed bankruptcy in XXXX and had it XXXX in XXXX. TD Bank refuses to send me a monthly statement, and we have been fighting this issue since XXXX. XXXX sends me a monthly statement and always includes a letter that says " This is not an intent to collect on a debt. '' TD Bank has sent me noting since XXXX, and the only thing I receive is my annual tax statement. I spoke to an attorney and he said Regulation Z says they must send me my statements.