davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX XXXX XXXX, I was applying for a mortgage and had to unfreeze my TransUnion account. I was unable to do it online and it required me to make multiple phone calls to TransUnion. After multiple temps at failing the authentication, I finally was able to clear it. They sent me over to their IT service to have it fixed that issue fix. On XX/XX/year>, I tried once again to lift the freeze on my credit. After receiving error messages online, I made 2 attempts to authenticate it verbally over the phone and both times failed. After wasting more of my time, I was finally able to speak with a manager. She believes my account is being crossed up with another account and sent my credit file to the maintenance department. The system still would not allow me to unfreeze my credit report and it's concerning because I'm suppose to close on my house within a week. I feel like my rights are being violated due to their errors.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (UT)

1 ) On or around XX/XX/year> I mailed a written request for account closure ( to Lead Bank, c/o Self Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX relative to my Self XXXX  Card account XXXX XXXX. ( copy of the letter is attached ). This card charges an annual fee and I want the account to be closed prior to the application of the fee for another year of service. 

2 ) As of XX/XX/XXXX, over 5 months later, I have received no response, and according to my online banking, the card account is still open. 

3 ) When searching for information in my online account regarding how to close the card account, the only information provided is a phone number. Requiring a phone call to close an account violates the Americans XXXX XXXXXXXX XXXX. I can not hear well enough to have a coherent phone call. They received my letter and have been made aware that I want the account closed, but have apparently chosen not to act upon my request without a phone call. 

4 ) Furthermore, the card requested closed is a secured card. Failure to return funds in a timely manner is an unlawful retainer of my funds held as security. 

XXXX XXXX
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

I received a written dun for {$2300.00} ; although this was the first time I heard from them they offered a settlement amount of {$1600.00}. The vendor supposedly placed the debt for collection was XXXX. The immediate offer to settle was suspicious but also the vendor. All business I do with XXXX I allow them to ach my credit card and debit card. 
I called XXXX and the customer rep combed through my records looking for anything that this might relate to and finally said I was up to date with every and I was in good standing. 
I called the agency Transworld Systems Inc and the person I spoke with was totally unhelpful and unwilling to do any research or follow up with XXXX.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (FL)

I am writing to file a formal complaint regarding the practices XXXX/CONTFIN, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

Upon reviewing my credit report provided, I discovered several inaccuracies and discrepancies that have had a detrimental impact on my financial standing and personal well-being. These discrepancies include inaccuracies, such as erroneous account information, incorrect payment history, and unauthorized inquiries. 

I would like to draw your attention to the following sections of the FCRA, which I believe XXXXCONTFIN has violated : 15 U.S.C. 1681e - Accuracy of Information : XXXXCONTFIN is required to maintain reasonable procedures to ensure the accuracy of consumer information in your files. The inaccuracies present in my credit report demonstrate a failure to fulfill this obligation, resulting in adverse consequences for me. 
15 U.S.C. 1681i - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute regarding the accuracy of information provided by a consumer reporting agency, the agency must conduct a reasonable investigation to determine the accuracy of the disputed information. Despite my previous attempts to dispute the inaccuracies in my credit report, XXXXCONTFIN has failed to conduct a thorough investigation and correct the errors. 
15 U.S.C. 1681g - Disclosures to Consumers : XXXXCONTFIN is required to provide consumers with access to their credit reports and disclose the information contained therein. However, the inaccuracies in my credit report suggest that XXXX/CONTFIN has failed to provide me with complete and accurate disclosures as mandated by the FCRA. 
I demanded that XXXXCONTFIN take immediate action to rectify the inaccuracies in my credit report in accordance with the FCRA. This includes conducting a thorough investigation into the disputed information, correcting any inaccuracies, and providing me with a revised credit report reflecting the accurate information. 

Furthermore, I requested that XXXX/CONTFIN provide me with a written explanation detailing the steps taken to address my complaint and prevent similar issues from occurring in the future. 

Failure to comply with the provisions of the FCRA may result in legal action being taken against XXXX/CONTFIN I trust that they will take this matter seriously and promptly address my concerns.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (RI)

XX/XX/XXXX TDBANK XXXX XXXXXXXX XXXX XXXX XXXX @ around XXXX went to the drive thrusts I deposited {$400.00} but the machine never added to my account nor gave me a receipt.I went inside spoke with the manager and she made write out a claim and sign and they refunded my money like I said IM ON CAMERA I depositing some kind of money into the atm .0n XX/XX/XXXX I go TDBANK on XXXXXXXX XXXX XXXXXXXX XXXX XXXX RI XXXX @ about XXXX I go through atm drive through and deposited {$400.00} the machine dosent give a receipt and dosent add money to my account .I go inside because there employees working I explain and again Im on camera depositing some money into atm the refunded my money XX/XX/XXXX & XX/XX/XXXX $ the {$800.00} was taken out my account
Consumer complaint received 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AZ)

XX/XX/year>, visited XXXX XXXX XXXX remaining balances in full, including two phones. {$340.00} for XXXX and {$420.00} for the second. The account was placed on hold to port the phone number over to a new carrier, which was done on XX/XX/year>, XXXX days later. We have had over XXXX agencies, now XXXX try to collect {$160.00}, which XXXX states we owe. I have provided proof of the Payments, and Port of the paid in full phone to a new carrier to all collection agencies who have tried to collect, all of which, but XXXX, was denied and sent back to the creditor. Our proof was enough. 

Now I see a tradeline for another collection agency on my report. I did not receive a notification to dispute, and dispute that it's even still being tried to be collected. 

Please note, XXXX provided us the PIN needed to allow us to transfer the phone to the new carrier. That in its self-shows it was paid in full without a balance due. I have yet to see why they think we owe this.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XXXX was used on unauthorized transactions as follows : XXXX transfer to my checking ending in XXXX {$7000.00} Purchase on XX/XX/year> {$1000.00} spent XXXX and cashback {$1000.00} Purchase XXXX {$1000.00} Purchase XXXX {$960.00} ATM withdrawal {$1000.00} ATM withdrawal {$1000.00} I have no idea where the funds went or how it was transferred but the funds are missing This is as far back as I can go with the statement
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Per FCRA 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692c Communication in connection with debt collection - Requested that this company cease and desist communicating and reporting false and inaccurate information to all 3 credit bureaus, having negatively impacted my credit report. They have fraudulently reported information to be " validated '' that has not been validated whatsoever.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
" "
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

I am writing to request the immediate removal of the late payment entries from my credit report the are in violation of the fair credit reporting act specifically 15 U.S. Code 1681 a ( 2 ) a ( I ) According to the FCRA late payments should not be reported as negative information. This effects my creditwillingnss and ability to obtain favorable credit terms. I kindly request that you investigate this. Per FCRA, I expect acknowledgement of this law In accordance with the fair credit reporting act the creditor has violated my rights under 15 U.S.C 1681 section 602 states that I have the right to privacy U.S.C 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681A section 2 exclusions does not contain solely as a transaction or experiences. Experiences between consumer or person making report 15 U.S.C 1661A section I transactions are NOT included in the consumer report. I have filed a dispute with XXXX XXXX they refuse to remove it and I have talked to them multiple times, they are very hard to deal with and I want this negative remark removed
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA (GA)

XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha XXXX XXXX is fraudently reporting incorrect information on all 3 of my credit reports. Secondly, XXXX XXXX XXXXXXXX sent me to court for this debt and in court it was agreed to a settlement offer of XXXX, on which I had already paid XXXX dollars. Well, upon me paying XXXX plus the XXXX dollars I had already paid, that left me with a balance of XXXX. I reached out to XXXXXXXX XXXX XXXXXXXX, as well as XXXX XXXX to finalize the debt of XXXX dollars, and both companies refused the money. It was refused because they kept insisting that I owed XXXX more dollars, and I knew I did not. That was not the agreement in court and XXXX XXXX and XXXX XXXX XXXX are trying to strong arm people into paying something totally different. I tried to resolve it, but greed is wh at has us here today. I am not paying another dime for an account that not only First national bank of Omaha closed, but the judge gave a direct order as to how much should be paid. XXXX is a long way from XXXX dollars. I'm also disputing this account because the date opened was XX/XX/XXXX and not XX/XX/XXXX. The date reported XXXX XX/XX/XXXX is also not correct. XXXX XXXX and its entities, are practicing and reporting fraudulent information on my credit reports. Not only is the date opened wrong, but their is no balance. I really would like to know why an account opened in XXXX, is still reporting every month on my credit report as up to date. 
At this point, since absolute resolutions refused payment to resolve this account when I offered, I owe you NOTHING. I have paid all I'm going to pay, this account is too old and XXXX XXXX is still reporting it incorrectly after Ive sent documents and disputed this account. I'm asking that this account be deleted from my credit reports for unfair practices from XXXX XXXX XXXX XXXX XXXX  and first national bank of Omaha.
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Paypal without proper reasons and evidence, debited XXXX $ from my account XXXX even after submitting all the required detais and providing XXXX.. They debited XXXX $ from my account.. I think they are XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Millco Management (MN)

There is a account on my credit report from AmeriFinancial Solutions that is fraudulent and does not belong to me. The account is described below. I have attached a police report as proof this account is not mine. 
1. AmeriFinancial Solutions- Original Creditor : XXXX XXXX XXXX. - Acct # ending in : XXXX -Balance : {$570.00} -Reported on :XX/XX/2024.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Dovenmuehle Mortgage, Inc. (NY)

On or about XX/XX/2024 i received a letter from Dovenmuehle telling me that there is a refund due me for {$1700.00} and if i dont respond within XXXX  days the money will go to the state. On the same day that i received the letter i faxed them the signed document the day i recieved it. 

I have called almost XXXX times asking when the money will be mailed and each time i was told it will be sent within a week. As of today no money was received. When i called yet again today and said i will file a complaint the company rep hung on me
Consumer complaint received 2024-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (SC)

My account was hacked by XXXX on XX/XX/XXXX in the amount of {$990.00}. The phone number came from TD Bank this scammer hacked. The phone number spoof the phone number so it looks like TD Bank was calling me. I tried to resolve the issue with my bank, however they are not refunding the money even after doing a police report, I have all of my documentations still nothing
Consumer complaint received 2024-05-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to formally lodge a complaint regarding the recent closure of my account with Capital One.This abrupt action was taken without any prior notification or sufficient explanation, causing significant inconvenience and distress. On XX/XX/year> I was informed that my account was closed due to alleged fraudulent activity. However, I firmly assert that I have not engaged in any fraudulent activities, and there has been no substantial evidence presented to support this claim. I am deeply concerned about this decision as it has been made without proper investigation or communication. The only potential issue that could have arisen is a leakage of my personal information, which was beyond my control. As a responsible account holder, I have always taken necessary precautions to safeguard my information. Despite this, I have fallen victim to information leakage, which I promptly reported to your office. I expected Capital One to support me in resolving this matter rather than penalizing me by closing my account.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

Hello, I was checking my XXXX, XXXX, and XXXX and the company XXXX XXXX XXXX, Nissan acceptance. CXXXX XXXX has report was updated to all three credit reports with different amounts, and currently still charging the account that was updates XX/XX/year>. Nissan acceptance says paid off but also still updating information to potentially in the negative which is causing the score to be low.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am writing to follow up on my previous complaint regarding inaccuracies on my Equifax credit report ( Complaint ID : [ insert your complaint ID here ] ). 

On [ date of previous response ], I received a response from Equifax indicating that they had completed their investigation and made certain updates and deletions to my credit report. Specifically, the response stated that several items had been deleted or modified, including : Trade : XXXX XXXX XXXX - XXXX XXXX. Trade : XXXX XXXX XXXX - Deleted ( XXXX accounts Despite this response, when I checked my credit report after receiving the communication, I found that none of the mentioned items had been deleted or updated as stated. This discrepancy between Equifax 's reported actions and the actual status of my credit report is concerning and needs immediate rectification.
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MI)

I opened an account with Robinhood last year and deposited over {$90.00}. My money should have grown exponentially due to XXXX stock purchased. Robin Hood has stolen my money and close my account without any reasoning whatsoever and they refuse to return my money.
Consumer complaint received 2024-05-28
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: DISCOVER BANK (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear DISCOVERBANK, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws applicable in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that DISCOVERBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protections against identity theft and fraud. The Missouri Revised Statutes Section 570.223 emphasizes the criminal nature of identity theft and the unlawful use of personal information. Further, the Missouri Merchandising Practices Act ( MMPA ) under Section 407.020 establishes protections against deceptive practices, including unauthorized credit reporting. 

I assert with unwavering certainty that I have not provided consent for DISCOVERBANK to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that DISCOVERBANK immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DISCOVERBANK will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-28
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: BTH Management (WA)

I had a loan with a payday loan place that I paid back but then i got notice that i hadn't paid everything. Not i see that there is a collection on my credit report for the full amount. I have tried asking the compnay for a debt verification and recieved nothing in return. Please help me to have this company stop attempting to collect a debt twice.
Consumer complaint received 2024-04-04
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. (NV)

I am 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 three Bureaus, XXXX, Experian, and XXXX.