davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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. (NC)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NE)

The Mastercard branded gift card product that states on the front of the card " A GIFT FOR YOU '' issued by U.S. Bank National Association and managed on XXXX violates the clear and conspicuous requirements of 12 CFR 1005.20. The card on the back in extremely small font indicates the inactivity fee associated with 12 months of inactivity. The fact that they found the need to significantly increase the font size of just the inactivity fee amount in comparison to the rest of the text evidences that the company issuing the card was likely aware that the actual text of the disclosure language was not conspicuous. 

We were gifted {$75.00} dollars on two of these types of gifts ( one for {$25.00} and one for {$50.00} ). The entirety of the balance we were gifted was paid in service fees because we kept them without using them for a period of several years. 

When we called to inquire about transactions on XXXX XXXXXXXX XXXX the representative then pointed to the language on the back of the card and did not offer to resolve our complaint in another manner.
Consumer complaint received 2023-02-21
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (OH)

I was working with XXXX XXXX XXXX XXXX XXXX settle a debt owed to Commenity Bank XXXX XXXX XXXX The account was settled and closed on XX/XX/XXXX and Commenity sold the debt to XXXX XXXX XXXX on XX/XX/XXXX. I have been receiving notices trying to peruse legal action by XXXX even after notification of debt settlement with Commenity
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

On XX/XX/XXXX I received a text from chime asking me if I had made a purchase that I did not make. I replied no and was told someone would be calling me in 5-10 mins. I received a call a few minutes later from someone claiming to be from chime. He said they had detected fraudulent activity on my account and they were going to be sending me a new card. He made me log out of my chime account and log back in with a temporary password he provided so I could reset my password and he was able to get into my account and transfer all the money I had to his cash app. He also initiated transfers from my credit union checking account that was linked to my chime account. The whole time I believed I was talking to someone from chime. A couple of hours later I received a call from the actual chime. I answered but the call got disconnected so I called back and went through all the prompts to speak to an agent and explained that someone from chime just tried to call me and I was calling back. He said chime will never call you but I have an incoming call on my call log from them. He also said that I had not spoken to anyone from chime earlier to which I replied then who was I talking to? I was on the phone with that person for an hour. He said I had gotten scammed and I had to log back into my chime account and reset the password and he saw all the cash app transactions but said we couldnt dispute them until they were no longer pending. They also said the money that was transferred from my bank to my chime card would be coming back to me once the transfer was complete. On Saturday, XX/XX/XXXX I noticed they were no longer pending so I called chime to start the dispute. I provided screenshots of the number that called me and the text messages. My claim was investigated and denied a few hours later. I received an email saying my claim was denied, they determined no error had occurred and I would not be receiving any funds. They said I could request a copy of the documents used in determining the final outcome of the investigation which I told them I wanted a copy of but they have not provided. Then on XX/XX/XXXX I received an email from chime saying they closed my account effective immediately due to account does not comply with the member agreement, account is not in good standing, and/or evidence or suspicion of unusual or potentially risk activity and At this time, you are not eligible for a refund of any remaining account balance.
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I HAVE TURN TO CFPB FOR HELP RESOLVING A INCORRECT INFORMATION ON MY CHEXSYATEMS AND THEY FORWARD MY INFORMATION TO CHEXSYATEMS AND CHEXSYATEMS REPLY THAT THEY VERIFIED THE AND CLOSE THE CASE WITHOUT AND EVIDENCE OF DOCUMENTS, I HAVE ASK CHEXSYATEMS AND XXXX  THE BANK WITH THE INCORRECT INFORMATION ON MY FILE TO PROVIDE ME EVIDENCE OR DOCUMENT THAT I OWE THEM ANY MONEY AND BOTH HAVE FAIL TO PROVIDE ME ANYTHING. 
AS OF XX/XX/2018 THE INCORRECT INFORMATION IS STILL ON MY ACCOUNT AND HAS NOT BEEN DELETED.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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. (TN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/year>, I was the victim of a PayPal fraud. The " PayPal help line '' I called was a scam. The voice on the phone ( XXXX XXXXXXXX ) said in order to return the PayPal funds to my account " they '' needed several account numbers of mine, incuding Venmo. 
Today, XX/XX/year>, a pending charge from Venmo appeared in my bank account of {$680.00}. I did not make this charge. It is fraud.
Consumer complaint received 2018-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC (UT)

On XX/XX/2018 I received a debt collection letter on a XXXX account which is currently paid and in good standing. This claim says I owe nearly {$400.00} on a paid account which is {$20.00} +- per month. They even have the last for of the paid account number. 

Most of their ratings call them out as fraud so I'm wondering how they are still operating ... 

XXXX
Consumer complaint received 2024-02-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TradeStation Group, Inc. (CA)

On XX/XX/year>, I applied for a new TradeStation Securities account on their website, www.tradestation.com, in response to a new-customer promotion that was advertised on their website : " Get an extra {$150.00} in your account when you deposit {$500.00} or more into a new TradeStation Securities account XXXX Open a TradeStation account using offer code XXXX and maintain a balance of {$500.00} and look out for your reward ... '' The promotion was valid at the time of my application submission. I submitted a completed application with personal information, including photos of government ID, self-portrait photo, residence address, mailing address, phone number, email address, income, net worth, employment history, and years of investing experience. 

After submitting, I received an automated email stating my application was being processed. 

Despite no updates, I called TradeStation 's New Accounts team on XX/XX/year>, and spoke with XXXX XXXX, XXXX XXXXXXXX, who informed me that TradeStation could not honor the promotion as it had expired. XXXX subsequently advised me that there was a new promotion at TradeStation offering a {$150.00} bonus when depositing {$5000.00} or more, effectively baiting me with XXXX offer and then switching it for a less favorable one after I had already applied. 

This lack of communication and failure to honor their advertised promotion, amounting to a bait-and-switch tactic, raises concerns about TradeStation 's credibility and transparency. Additionally, TradeStation 's actions appear to be an attempt to fraudulently farm personal and private information from prospective customers, which is deeply concerning.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (AZ)

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Us Small Business Admin ODA, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681 b ( c ) and a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX, I started my pursuit to refinance and purchase a new property. The title company that has been assisting me with the process advised me that Citibank has a lien on my property. I once had a 2nd mortgage ( HELOC ) that went into default. The default resulted in a XXXX being issued in XX/XX/XXXX. After I received the 1099, a letter should have been issued to the XXXX XXXX County Circuit Court, releasing me from the debt, or a letter of satisfaction placed in my files. This never happened. 

On XX/XX/XXXX, I spoke to a representative who provided me with instructions. The instructions were ( 1 ) Information on where to fax an authorization letter so that a 3rd party could verify that the debt was indeed released ; ( 2 ) information that my case would be sent to management so that a letter of satisfaction could be provided to me and the Title company. On XX/XX/XXXX, I received an email from XXXX XXXX Support, advising me that Citi was no longer collecting the remaining balance. The letter did not satisfy the Title Company, because no documents were sent to the courts. 

On XX/XX/XXXX, the Title company called Citi Centralized Recovery Department at XXXX ( XXXX ) XXXX, to verify there was no balance and was told they could not provide any information on my account even though I provided the required documents per the representative. This is unacceptable. 

On XX/XX/XXXX, I called to inquire about my case because my closing date is scheduled for Friday, XX/XX/XXXX, and a representative advised me that there was no movement, even though she confirmed the loan had been forgiven in the system. 

The representative told me that it is customary for the Title " stain to sit there on record until the customer calls or tries to sell their home. Another time when I called the representative was complaining to me that there was an extensive backlog, which had nothing to do with me. The lack of records management and care has caused me to miss my closing appointment. This is unacceptable. 

My complaint is why has it taken Citi close to 5 years, to send my documents to the courts, since I have already resolved the balance. As a result, I am not able to refinance or sell my home because of the hardship Citi has inflicted on me, and probably countless others who are trying to move on with their life. The representative told me to call back at the end of XXXX to see if my documents were sent to the county and that maybe she would have a Letter of Satisfaction to share with me and the Title Company. I asked for a telephone number to an official above her business line of authority and she could only provide me with an address to write, which further delay the process. This is unacceptable. 

Can someone assist me?
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC. (AL)

Bought out my mortgage from XXXX 

Added back a escrow amount that was dismissed from XXXX XXXX XXXX  back on my account. 
Now trying to foreclose on a loan that I a am current on and the company 's obusmen department has also dismissed. 
I have a recorded phone conversation that I recorded the same time they was recording. 
This company tried to remote access my computer while talking to me about this and delete the phone conversation. 
When I realized that was what they was trying to do. I inform them that the phone conversation is burned on a CD in my safe and they just laughed at me. 

Now trying to foreclose on my mortgage.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, 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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (AZ)

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Us Small Business Admin ODA, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681 b ( c ) and a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-01-20
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. (PA)

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

I filed bankruptcy in XXXX  and Wells Fargo refused to reaffirm my loan and stated that the reason that they could not was a TEXAS State law which prevented them from doing the reaffirmation and since then I have made my monthly mortgage on time and they refuse to send this information to the 3 major credit bureaus. I feel that this is an unfair banking practice which not only affects my credit score, but it affects my loan and credit card interest rates and it also affects the rates that I pay for auto and homeowners insurance and this has been going on for the past seven years and it gas put a extreme financial and emotional stress on me and my health and well being. I have contacted Wells Fargo several times to try to get them to correct this and treat me fairly, but they always refuse and state the reason is the fault of the state of Texas, but they have never provided my with proof of any Texas laws showing this to be a true fact. I feel that Wells Fargo is a very corrupt bank and they are guilty defrauding millions of people out of millions of their hard earned money and I hope your agency will hold them accountable for these actions.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I got several unauthorized inquiries on my credit and want them to be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (FL)

I have a new account that open Navy Credit Union. 

Checking and Saving They blocked my account because they refuse to change my phone number. I am not able to go to branch. I am doing XXXX and I have XXXX XXXX. I don't have mobile banking. 

This is High Priority Matter!!