davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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. (CA)

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Upon reporting the case of identity theft, I promptly contacted the company associated with this fraudulent account. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (MI)

Loancare keeps reporting my balance as {$10000.00} more than its supposed to be. Ive tried fixing this over the past year countless times by disputing it with the credit bureaus. It gets fixed temporarily, but then gets reported wrong again. 

Now, there was an error of {$10000.00} on my XXXX from them : XXXX XXXX XXXX XXXXXXXX {$180000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Another mistake by $ XXXX. The beginning balance was correct, but someone in the company cant do math. I also tried to fix this and the actually added $ XXXX to the beginning balance when it should have been subtracted from the ending balance. uGH! 

I AM SO SICK IF THIS COMPANY
Consumer complaint received 2022-02-20
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: Early Warning Services, LLC (MN)

The following information and closed bank accounts listed on my Early Warning Comprehensive File Disclosure Consumer ID : XXXX is inaccurate, fraudulent and not my closed bank accounts : XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX Bank, Bank Routing Number : XXXX, Account Number : XXXX, XXXX  XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX  XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX  XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, The following credit Inquiries are fraudulent and not my credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (MD)

I opened a CD account, but, didn't ask for the {$12000.00} amount which was then voided and replaced with a {$2500.00} contract. This happened on XX/XX/XXXX. I was told that the funds would be back into my checking account on XX/XX/XXXX or XX/XX/XXXX. I went there XX/XX/XXXX and was told that a email was received about the money being replaced, but, that was all that was said. I scheduled another appointment for XX/XX/XXXX to ask them about those funds.
Consumer complaint received 2024-01-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Case ID XXXX Name XXXX XXXX XXXX Macys Credit card # last XXXX digits XXXX Total amount {$440.00} Police Case # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Order made online at XXXX XXXX # XXXX. on XX/XX/ According to Macys, merchandise was left at a secured location, but the tracking numbers stated was supposedly left at the front door. 
Is very disrespectful for macys to blame me for their mistake by wanting to charge me a merchandise never received.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express
permission of a court of competent jurisdiction, a debt collector may not communicat

e with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, an d tenant screening services. Information in a consumer report can not be
provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2024-04-08
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3700.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

This complaint is referred to Provider : Paypal Account email : XXXX My company name : XXXX XXXX XXXX Phone : XXXX The business account was suspended without any explanation and frozen money for 180 days. Those funds are extremely important for small growing businesses to operate and survive. 

From our side, we meet all required expectations to run a business with Paypal. We sell physical goods, and - all our shipments were on time according to our shipping policy- we have a low return rate- we have a low dispute rate- we have all the necessary documents to sell our products So, what should we do to have an opportunity to sell our products?
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-21
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: Affirm Holdings, Inc (FL)

This company is maliciously messing up my credit report over and over again theyre leaving a balance and I paid this XXXX this is supposed to be getting removed as well and I have gotten a lawyer and Im taking them to court, this is paid in full. Every time I dispute it they lie and say I never paid it, and they keep derogatory reporting information, and the balance still says, and paid as of XX/XX/year>.
Consumer complaint received 2024-01-21
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 (HI)

Title 42 of the United States Code, Section XXXX ( XXXX XXXX XXXX ), addresses the fraudulent use of Social Security numbers and related offenses. Here is a summary of the relevant information : XXXX XXXX XXXX : ( a ) In general : Felony Offense : Whoever, with the intent to deceive, falsely represents a number to be the Social Security number assigned to him or to another person, when in fact such number is not the Social Security number assigned to him or to such other person, shall be guilty of a felony. 

Fraudulent Activity : Whoever, with the intent to deceive, falsely represents a number to be the Social Security number assigned to him or to another person, when in fact such number was not yet assigned and such person knows it was not yet assigned, shall be guilty of a felony. 

Improper Use of Social Security Number : Whoever, in applying for or using a Social Security number, for the purpose of obtaining anything of value provided by law, or for any other purpose, knowingly furnishes or knowingly causes to be furnished false information to the Commissioner of Social Security for use in determining rights to such benefit or payment shall be guilty of a felony. 

( b ) Theft of Social Security XXXX 's Payments : Whoever, being a relative ( as defined in section XXXX ( f ) of this title ) of an individual entitled to a benefit under section XXXX ( d ), XXXX ( XXXX ), XXXX ( d ), XXXX ( XXXX ), or XXXX ( f ) of this title, embezzles or fraudulently converts to his own use such benefit or any part thereof, shall be guilty of a felony. 

Practical Implications : Criminal Offenses : Section XXXX outlines felony offenses related to the fraudulent use and representation of Social Security numbers. 

Intent to Deceive : Engaging in activities with the intent to deceive by falsely representing a Social Security number, whether assigned or not, is a criminal offense. 

XXXX XXXX for Obtaining Benefits : Knowingly furnishing false information in applying for or using a Social Security number for the purpose of obtaining government-provided benefits or anything of value is considered a felony. 

Theft of Social Security XXXX 's Payments : Embezzlement or fraudulent conversion to XXXX 's own use of Social Security benefits belonging to a relative is a felony offense. 

These provisions are in place to deter and penalize fraudulent activities involving Social Security numbers, emphasizing the importance of accurate representation and lawful use of these identifiers. Individuals convicted under these provisions may face criminal charges and penalties.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MN)

So my friend had asked me to cash their check for them that it would help to bond them out of jail and that they didn't have an ID and so XXXX mobile deposited the check after they signed it over to me just for Chase Bank to freeze my account, something about third party checks and fraudulent activity, so after calling them numerous times about this they said that they needed to verify my friends identity & that my friend had indeed signed the check over to me. I had to explain to them how my friend was XXXX XXXX jail & I would have my friend call them but they said that was unacceptable that their verification process consist on them calling my friend directly, but since my friend is XXXX XXXX jail and there's no possible way that they can call to verify this they said that my checking account would be closed and my friend wouldn't see the money. So, I went into Chase Bank to get my paycheck which was direct deposited into my account and they took my card and shredded it. Now I guess my friends XXXX as far as the money goes and it's unfair. This is straight XXXX
Consumer complaint received 2024-01-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION (CA)

In the market for an auto loan. XXXX and found out people said this credit union has a very good auto loan rate, then I checked their website. After reviewing available information, such " as low '' rates for specific terms and comparing with different products and other financial institutions, it appears they do have very good rates. As a result, I provided some basic financial and personal information for pre-qualified applications. Then the system returned many options indicating I was approved but all of them were far higher than the rate advertised. 

After calling them, I was informed that the rate was much higher than the expectation. Inquire about the reason, and get an " industrial standard response " that the rate is based on various factors ''. I expressed to him that I know my creditworthiness that my credit score meets the A+ tier for ( i would not say 100 % of the financial institution definition but at least 90 % of the financial institution definition ), no adverse record on my credit report, XXXX XXXX also considered low, credit utilization is low. I asked for an explanation of what could possibly prevent me from getting the lowest rate or any of the factor that i can expose them to higher risk. 
If the bank implements risk-based pricing which utilizes the credit report, the score has captured tons of risk factors and covert to a score already. If their so-called " other factors '' are part of the calculation of the credit score, it is like double counting or inconsistency since whatever the credit score model used has a unique algorithm to weigh different risk factors accordingly. Anyway, the loan officer told me that she does not have access to that information. 

This appears to be an unethical business practice called " bait and switch ''. And their practice further damages my credit score due to a soft pull or hard pull inquiry as I receive notification from other credit monitoring. I would really know what is the real cause so I can either correct it or stop the attempt with them
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Entrata Inc. (MI)

XXXX verify is using my copyrighted intellectual property to furnish information to XXXX without my expressed or written consent. Provide me with evidence that proves you can furnish this information about me. How was this alleged eviction verified? Resident verify does not have permission to obtain my consumer report.
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (PA)

AGAIN my wife and my transfers from US Bank to XXXX XXXX  is taking too long. When the requested date of maturity to distribute the CD is 22 days late on XX/XX/XXXX. 

I initially bought my CD 's from State Farm Bank. The government transferred my CD 's to US Bank. US Bank is not equipped to handle these funds. This is my XXXX complaint. It takes XXXX hour to get to talk to someone at US Bank to try to find out where MY MONEY is. This bank that the government transferred my money to is understaffed and incompetent. They charge me a yearly fee for my wife and my accounts and a transfer fee for each of my CD 's. I did not sign for any of the charges when I was with State Farm. The last XXXX complaints resulted in getting an apology letter from US Bank. This dragging of their feet with slow transfer is costing me money. They are floating my money. I dont want another apology letter, I want results. I have about XXXX more CD 's with this company and I am going to transfer as soon as they mature. I am looking into other agencys to complain to to get help. An appology letter from this company does no good.
Consumer complaint received 2018-05-19
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. (NJ)

Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/2018. I contacted Equifax via certified mailed receipts. After investigating, I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts as well and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, credit bureaus are to provide me with information and physical verification, which I havent received, in order to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My account was closed wrongfully by Wells Fargo. Because I filed a dispute about funds that was taken outta my account with no trace of where it went. Additionally to that I was waking up to fees I didnt have a clue where they came from.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX. XXXX XXXX XXXX XXXX incorrectly reported to XXXX And Trans Union that account is 30 days passed due. The account was closed and paid in full on XX/XX/XXXX. I've asked that proof is provided of the late payment status on the account effective XX/XX/XXXX or delete the negative status on this account. The negative status should not have been reported on the account that has been closed since XX/XX/XXXX. According to the Fair Credit Reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy USC 1681 604 section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on the account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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.
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had a Bank of America from XXXX until XXXX and had to close my account due to overdrafts fees. They charged me several overdrafts fees for funds I had in the bank and when I bought 3 or 4 items then I withdrew a large amount 3 days after I purchased my items they took out the large amount first then charged me 3 or 4 times an overdraft fee several times. Bank of America did that several times while I had an account with them and that is why I switched to another bank in XXXX, I was not allowed to get a checking account due to my history at Bank of America.