davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

My Information was sold and brought illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has done nothing. Please help me delete these Illegal Accounts from my credit reports. Account names and account numbers and file Your complaint with the CFPB. 
Complaint number XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''
Consumer complaint received 2020-07-31
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: CITIBANK, N.A. (FL)

I have a loan with XXXX XXXX XXXX  XXXX XXXX and CITICARDS CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and XXXX XXXX XXXX XXXXXXXX XXXX and CITICARDS CBNA with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (CA)

Credit Management Company reported a {$720.00} debt on my credit report unlawfully. It took me a half dozen phone calls to this company till they could even find this alleged bogus debt. XXXX in XXXX said it was for a debt owed back in 2015. When I tried to request documentation XXXX became threatening and hung up on me. Comes to find out XXXX in XXXX buys XXXX XXXX. Credit Management Company doesn't send any letters to notify you of their intentions, according to XXXX they don't have to. He did claim they did call my job once but I have no recollection that call. The scam is they put it on your credit report then try and shake you down from XXXX for cash to remove it. These are for debts that have long been charged off after 7 years. This is so illegal in the US.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-01-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/ I sent {$5600.00} through PayPal to an account overseas for my fianc. PayPal took the money out of my account and will not issue the money to the recipient. I called PayPal and demanded a refund or the release of the money. PayPal is refusing. This should not be happening. I would like for the money to be released to the recipient or refund it back to my account. I hope you can help me with this problem. Thank you in advance XXXX XXXX. The PayPal email address used was XXXX XXXX.
Consumer complaint received 2018-08-08
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: DISCOVER BANK (FL)

To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (NJ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX  account number XXXX XXXX XXXX accounts XXXX and XXXX, XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX please delete these accounts immediately
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

There were a multitude of fraudulent charges made on my credit card account. I contacted my bank, Chase, to file a dispute to have these charges investigated. My bank did waive most of the charges in my favor, however they insisted that some of the fraudulent charges were made by me. Their reasoning for this was " You received benefit from this transaction. '' I did not receive any kind of benefit from these transactions as they were not made by me. I've included the charges below. 

XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (IN)

Dear Sir/Madam. 
I am writing to formally dispute inaccurate information that appears on my credit report, specifically regarding an account associated with XXXX XXXX XXXX XXXX. As per my rights under the FCRA. I am requesting your immediate attention to this matter and the necessary steps to rectify this situation. Upon reviewing my credit report, obtained from Equifax Credit Reporting Agency, I noticed an account listed under the name XXXX XXXX XXXX XXXX. However, I have no financial relationship or business dealings with with this company. I have repeatedly tried to call them and they refused to talk to me about said account. This discrepancy has raised serious concerns regarding the accuracy and legitimacy of the reported information. According to the FCRA Section 611 ( a ) ( 1 ) ( A ), Equifax are required to conduct a reasonable investigation into disputed information upon receipt of a consumer 's notification of dispute. I did not receive any documentation of method of verification of validity establishing my contractual obligation with XXXX XXXX XXXX XXXX, which is a violation of my consumer rights under the FCRA law. I also remind Equifax of their obligations under the FCRA law Section 611 ( a ) ( 5 ) ( A ), which states that information is found to be inaccurate or can not be verified, Equifax must promptly remove or delete the disputed item from any credit report. Therefore, if Equifax is unable to provide the requested accuracy of the reported information, can not be substantiated, Equifax Must remove or delete disputed account. I expect the immediate removal of the account from my credit report. I also request Equifax provide me an outline of the results of any actions taken. Failure to comply with these obligations my result in legal consequences, including potential liability for damages. I expect Equifax 's promptl attention to this matter into this disputed account. Failure to address this dispute appropriately will leave me no choice but to pursue all available remedies to protect my rights under the FCRA law. Thank you for your immediate attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-31
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: CITIBANK, N.A. (MD)

I have a loan with DSNB MACYS, SEARS/CBNA, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX DSNB   MACYS, SEARS/CBNA, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; 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 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Mortgage paid off by certified check on XX/XX/XXXX. Company did not submit request to XXXX County until XX/XX/XXXX. I can not get a straight answer from SLS about receiving my deed. Getting conflicting information from two different representatives at SLS. Promised documentation not sent to me by company.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (SC)

According to the cfpb website, I have been eligible for PMI termination for quite some time. I called Specialized Loan Servicing and inquired about this and was told by the first representative that I had to have 80 % equity before I could drop my PMI. After researching your site, I called back and got another representative and was told that the aforementioned representative was incorrect and it was actually that my principal needed to be 80 % of the original value ( in other words I had to have 20 % equity ). I asked how much equity I currently had and was told almost 50 %. I explained to the representative that if that is true, SLS should have cancelled my PMI years ago. I was told a request to look into this matter would be sent in and someone would call me back within 10 business days. It has been more than 10 business days and I have not heard anything from anyone.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (VA)

I am disputing the following Unauthorized transaction on Paypal Account, XXXX : XXXX XXXX XXXX XXXX - {$35.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$35.00} Sent by XXXX, Transaction ID XXXX XXXX XXXX XXXX XXXX - {$34.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$34.00} Sent by XXXX, Transaction ID XXXX XXXX XXXX XXXX XXXX - {$23.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$23.00} Sent by XXXX, Transaction ID XXXX I did not purchase anything from from XXXX XXXX nor have I recieved anything form XXXX XXXX These are Unauthorized Transactions and I am also contacting PAYPAL and making a claim with them as well. 
Thank You, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I am writing to express my deep frustration and dissatisfaction with the recent experiences I have encountered with Credit Acceptance, specifically in relation to the repossession and subsequent release of my vehicle. 

On XX/XX/XXXX, I visited the Credit Acceptance website to make a payment to retrieve my repossessed vehicle. I went through the payment process on their website, received a confirmation, only to discover later that the payment was processed through a third-party service without my knowledge. This lack of transparency is unacceptable, as I intended to make a direct payment through Credit Acceptance. 

Despite the payment being confirmed on XX/XX/XXXX, I have been informed that I must wait until XX/XX/XXXX, well beyond the initially communicated XXXX business days, to have my vehicle released. This contradictory information and prolonged delay are causing unnecessary hardship and inconvenience. 

Furthermore, my account reflects a discrepancy in payments, as I have paid a total of {$9000.00} since XX/XX/XXXX, yet Credit Acceptance insists I am behind by {$3700.00}. This inconsistency raises serious concerns about the accuracy and transparency of their accounting practices.

I urge the Consumer Financial Protection Bureau to investigate Credit Acceptance 's practices, specifically addressing the lack of transparency regarding third-party payments, contradictory information provided to customers, and discrepancies in account balances.

I appreciate your prompt attention to this matter and hope for a swift resolution.
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 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. 

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
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Designed Receivable Solutions, Inc. (NV)

" CFPB '', You have back complaints from me dated in the months of XXXX, XXXX and now XXXX. Now the refer number to track is:XXXX.Ihave never been given a clear explanation nor have I received a letter explaining why " DRS '', did not notify me of their investigation status or results or their investigation did not fix an error on my report.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NC)

I purchased 4 air tickets from XXXX, CA to USA with Chase XXXX card on XX/XX/2023. The flights supposed to depart on XX/XX/2023, but due to severe weather, XXXX XXXX cancelled that and provided alternative flights taking us back to USA 2 days later. This is a typical Trip Interruption case which is covered by the CHASE XXXX XXXX benefit, on 'Chase Guide to Benefits ', page 32, What Losses Are Covered? Severe Weather, which prevents a reasonable and prudent person from beginning or continuing on a Trip... We should be reimbursed for the lodging, meal and transport cost during the trip interruption, and it is exactly why used Chase XXXX card to buy the tickets at first time. 

But when file the claim to the Card Benefit Service ( XXXX ) asking to cover the cost of {$1300.00} during the trip interruption, the company just tried best to prevent honoring the claim. First, I filed a claim on the website with all the necessary evidence, and got an email saying the trip delay is not covered and closing the claim. I called the customer line, the agent admitted that was a mistake and asked me to refile a claim. But the system does not allow that and I had to call the customer line again. They first said will modify the claim on their side, then no feedback. Waited and called again, and was told that the claim was closed again cause the benefit does not cover that ... .. For the past couple months, I have spent so much time and energy calling the customer service, but again and again, the agents just promised to resolve, let me wait, no feedback, put me stay in the same cycle. Couple times, the agents just hung on me directly, and obviously, they do not want to resolve the problem and keep the promise what the CHASE XXXX XXXX made as the trip interruption insurance coverage. My claim number filed on XXXX is XXXX. 

I filed a claim against Card Benefit Service ( XXXX  ) through the XXXX XXXX XXXX but the company did not even response to XXXX XXXX request. So I think of CFPB, Please help to resolve this problem to protect our customers. Companies need to keep their promises instead of fooling customers. Thank you!
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF OMAHA (MD)

I signed up through the app and made a transfer of {$44000.00} through XXXX. Shortly after the transfer went through on Thu, XX/XX/XXXX at XXXX I received an email from support that my account was restricted due to suspicious activity. I replied at XXXX asking what I need to do to resolve the restriction on my account. At XXXX I receive a reply from support that they are going to transfer me to the correct team to help me and that I should get a reply within 1-2 business days. On XX/XX/XXXX at XXXX I have not heard back from anyone yet so I send another email to support asking if there is any information I can provide to help with the process and remove the restriction. On XX/XX/XXXX at XXXX I still have not received a response so I follow up with another email asking if there are any updates. On XX/XX/XXXX at XXXX I again ask if there are any updates and to this day have not received a response or help from support. This correspondence was all done through email. I had a very similar experience with their in app support chat as well. On XX/XX/XXXX at XXXX XXXX  I asked through the in app support chat if there was an update regarding my account restriction. I received a reply that it was being transferred to the correct team and I would receive a reply in 1-2 business days. I followed up with similar messages asking if there was any information or documentation I could provide to assist in the process and I have not received a response.