davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (PA)

I had a bank account with First Niagara in XXXX, PA. I noticed around XX/XX/XXXX that a check cleared in XX/XX/XXXX for {$900.00} to my landlord. However, my rent was {$600.00}, and I had a rent receipt for a {$600.00} cash payment for XX/XX/XXXX to my landlord. I also had several fraudulent electronic charges. I was XXXX in XXXX, and had to get a XXXX in XX/XX/XXXX and do XXXX, so I was not in the condition to moniter my bank account. I spoke with the manager at the XXXX, Pa branch on XXXX XXXX, and submitted an affidavit and filed a police report for the {$900.00} check. However, the bank refused to refund it under fraud, stating that I was negligent for allowing a fraudulent check to be written and cashed. The copy of the check for {$900.00} was very obviously not in my handwriting, and the largest check that was ever written on my account was under {$150.00}. I was told I had fraud protection on the account, and would be notified if there was suspicious activity. A check that was excessively high compared to my entire account, written to someone that I never used a check for, should have flagged. My bank agreement says I have one year to report a potentially fraudulent check, and since I met that. I reported it as soon as I saw the issue. I debated with First Niagara about this issue for over one year, and ended up closing my account. I believe the check should be refunded. My agreement for my account included fraud protection, and a check that large met the criteria to be flagged according to my agreement.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (OH)

Back in XXXX of XXXX  i made severall purchases with XXXX and home depot the home depot charge of {$180.00} is a duplicate charge i placed an order from.home depot and homecdepot cancalled it and statrd they would give me my money back which they never did i checked my statements and nothing was ever refunded. I have explianed this to applevcard severall times only to be told that the charge is vaild they are not listening to me. 2nd charge is from XXXX for {$240.00} i upload and submitted documents severall times showing i returned the merchandise to XXXX i dont know what the problem is with this order i uploaded the tracking number showiing this returned to amazon XXXX {$170.00} XXXX XXXX apple card states the merchant gave a refund but when i look at my statements it says merchant denied refund and it does not show up added to my statemt. I dont know what the isdue is i have explained this severall times to apple card but yet they dont listen.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (TX)

Grain technology company will not let me change my payment method or my bank account to make a payment and they were reporting late payments on my credit report. I have tried emailing them and calling them and they are not responding. They will not let me change my payment method. They are scamming and racking up on fees.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done honestly, correctly ( on time ), completely, and accurately as well, otherwise I will have to escalate these issues to the CFPB, FTC, and my Attorney General. It is not complete and does not meet my standards as required by law.
Consumer complaint received 2023-10-10
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. (PA)

XXXX XXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to Transunion/XXXX regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet TransunionXXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.
Consumer complaint received 2023-04-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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 an 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. 

The derogatory and inaccurate comments left by the creditor are inconsistent. The 30, 60 & 90 days comments on all 3 credit reports are inconsistent and inaccurate. Also, the balance being reported to all 3 agencies are inconsistent and inaccurate.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX 

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 an 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.

The derogatory and inaccurate comments left by the creditor are inconsistent. The 30, 60 & 90 days comments on all 3 credit reports are inconsistent and inaccurate. Also, the balance being reported to all 3 agencies are inconsistent and inaccurate.
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Foursight Holding LLC (GA)

Hello! I had a car loan through foursight Capital. I was making my payments online through credit card until one time I had to make it through cash and they claimed they never got it but they had it the whole time while treating me ridiculously rude. Saying I never sent in my payment. Then they eventually found it and it was too me for my next payment. Well, I called to make my payment through credit card and the lady told me We close in 7 minutes to call back tomorrow. That I had time to make my payment and that no one was going to come and repo my car. I got up the next day to find the repo man with my car already jacked up tried to get it where I could keep my car by calling them while he was there and they insisted that I pay the whole loan. Wouldnt take my payment online had to do a money order right then and there and now I cant even get a loan or anything because they put it on my credit. To make it even worse they did this days before my Birthday.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I received a notice on XX/XX/year> from JPMorgan Chase Bank which states the following : Update : We're researching the charge ( s ) you disputed recently Your account ending in XXXX Dear XXXX XXXX : Thank you for contacting us about a dispute ( s ) on your credit card account. We're researching it now and will contact you if we need more information.

Here 's what you should know in the meantime Please save all documents and receipts related to the dispute. This could include : Original sales receipt ( s ), credit receipt ( s ), proof of return or cancellation, or A record of correspondence with the merchant acknowledging the billing error.

The documentation you provide us may greatly influence our ability to resolve the dispute in your favor.

You do not have to pay for any disputed amount ( s ) while we research the dispute.

We'll let you know if we make adjustments to your account and when you'll see them on your statement.

If you have questions, please call us anytime at the number on the back of your card.

We appreciate your business.

Sincerely, Card Services If you haven't already done so, you must notify us of potential billing errors in writing at the Customer Service address shown on your billing statement. Please refer to the back of your billing statement for further information on Your Billing Rights, including how the process works. 
CLAIM ID : XXXX My complaint is that this notice does not list out the specific charge ( s ) that are being investigated and that I do not need to pay.

Please inform me of the charge ( s ) that this specific letter refers to.

Please not that I intend on following the instructions in this letter and I intend on not paying them as directed.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (PA)

I have been trying to have my funds distributed from Charles Schwab for the past XXXX weeks. ( It states on they're site to call if it is a time sensitive matter, so I did. ) Below is a summary... 

After I sent my paperwork in the first time, they said 3 to 5 business days for distribution. I get a status update on XX/XX/XXXX, telling me they're missing paperwork. I call, they tell me I am missing 3 pages - I was actually missing 1 of the 3 pages, the other page was for an IRA which did not apply. ( Regardless, I still resent the missing page, even though I can see that I already sent the page in my message center in their portal. I also provided that message ID to the rep. ) I sent the what they requested that day on XX/XX/XXXX. The rep told me everything looked good, and the distribution would be transferred and I can expect funds soon, processing time 3 to 5 days. 

The days passed and I never got the funds. I call XX/XX/XXXX. They're still processing my request. Give it until the end of the week. 

No funds received. I call again, and I am told again I am missing paperwork. I resend the same pages, as requested. I am told it takes 4 hours for them to see the pages, ( but the prior time I resent pages, the rep confirmed they were received while on the phone. ) Each time I am on the phone I tell them I need part of the funds rolled over to another account with my current employer, and it needs to be via check and received by XX/XX/XXXX - AT THE VERY LATEST. ( I have 30 days from XX/XX/XXXX to rollover some of my funds from this savings account ). Mail time is 7 to 10 days. IF they send a check today on XX/XX/XXXX I can be rest assured that it will be received in time... .but that's probably not going to happen, hence the reason for my complaint. 

Each time they tell me they're marking my case as urgent .... 

I call XX/XX/XXXX. The request is either waiting to be processed or it is being processed, is what I am told. 

I call XX/XX/XXXX. No updates on the account. A manager says he is going to watch my account. 

I call today, I am told it is either waiting to be processed or is being processed. They don't know why it's not processed and they'll add another note.
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

The loan was initially secured through XXXXXXXX XXXX and we paid that company without a problem. The loan was then transferred to XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, TX XXXX. This current month 's Statement was created on XX/XX/23, according to the bill and the Payment Due Date was literally one day later on XX/XX/23. There contained a statement that if the bill was not paid by XX/XX/23 a late fee would be charged. Loan Number XXXX is always going to be pad in a timely manner. It makes me suspicious when I receive a bill a week after the payment is due. I pay my bills on time and believe that there must be a problem with a company that issues a bill for payment one day before payment is due. Mortgage payments that are late impact credit scores and ours is very high. I want them to stay that way. Should there be a requirement that statements be issued a reasonable amount of time before a bill is due, certainly more than just one day.
Consumer complaint received 2023-04-26
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: Experian Information Solutions 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 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 2023-04-19
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: CAINE & WEINER COMPANY, INC. (GA)

I obtained a copy of my credit report from the major 3 credit bureaus to check the information within making sure that it was accurate according to USC title 15 ( 1681 ) 5. 

Ive waited over 30 days to receive the investigation results which everything was still reporting the exact information as the previous months. The credit reporting agencies XXXX, XXXX, and XXXX did not complete and modify or remove any of the items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from obtaining fundings to start a business and buy a home for my family.
Consumer complaint received 2023-10-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Requested information validating accounting, original contract with signature I have not supplied proof under doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

They never responded.
Consumer complaint received 2023-04-18
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Maximus Federal Services, Inc. (NY)

Several student loans was opened XXXX have disputed these loans XXXX XXXX XXXX and XXXXOne was on XXXX XXXX with Navient and DEPT OF ED/XXXX The amount is $ XXXXThe 2nd one is $ XXXX also disputed an account opened with XXXX XXXX XXXX for {$1900.00} last reported XX/XX/2023 XXXXthe original creditor was XXXX XXXX, I did not give them permission to give someone this information, The last one is XXXX XXXXXXXX for a credit card that was opened for {$250.00}.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (OH)

Status of car loan account is listed as ( past due XXXX days ) ..four different times. No payment has been paid late. Called car loan company who confirms payments were on time. American Honda stated to have the issue fixed I needed to download a XXXX XXXX app and make a dispute. I have done this on several apps and have not seen any change on my credit report.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

At the end of XXXX I changed my last name on my venmo account to match my new last name as I recently got married. Venmo asked for a photo of my drivers license to verify the name matches, since I did. On XX/XX/year> I received an email stating my account has been suspended due to my name on my venmo account not matching my DL. I responded to the email with another photo of my DL, which I checked matches my name on the account. On XX/XX/XXXX I received an email from a Venmo employee XXXX XXXX stating my name on my DL " does not quite match. '' I emailed back and forth with XXXX XXXX regarding my issue with no resolve. On XX/XX/XXXX I emailed again after trying to close my account and withdrawal the {$38.00} frozen in my account and being unable too. I was told Venmo is not holding my money even though it is and that if I felt the need that I should contact a lawyer but they would no longer be assisting my with resolving what the issue is. I attempted to request help again and my help request was ignored and closed.