davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MI)

on XX/XX/2023 I received a call from Pay pal asking me to pay a balance on my checking account because it was over drawn by for {$570.00}. after continuing the conversation with the representative he explained that their were requests for charge backs from some people who had sent me money using pay pal services. i explained to pay pal that all transactions were completed in person and not through pay pal. but pay pal was used to send me the money. i also explained that who ever requested the charge backs was trying to scam me out of money. i asked pay pal was any proof of wrong doings on my behalf sent to them, they said no so i asked why was money taken from my account, i was not given any direct answer to that question. i asked why was i not called immediately once some one put in a claim against me, i again was giving no direct answer to that question, so pay pal has basically took money from my account and given it to scammers and is now trying to stick me with the bill.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (LA)

On XX/XX/2023, I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to XXXX, Equifax and XXXX XXXX XXXX Reporting agencies. XXXX replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the Equifax Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts 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 2023-05-02
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. (AL)

In accordance with the Fair Credit Reporting Act the accounts listed below violated my federally protected consumer rights to privacy as well as confidentiality under 15 USC 1681 XXXX- XXXX XXXX account # XXXX for XXXX XXXX account # for XXXX XXXX for Transunion XXXX XXXX XXXX- account # XXXX for XXXX account XXXX for XXXX XXXX Transunion # XXXX XXXX XXXX- account for XXXX # XXXX XXXX account # for XXXX XXXX for Transunion XXXX XXXX XXXX account XXXX XXXX for XXXX, account XXXX for XXXX XXXX Transunion XXXX XXXX XXXX  account number for XXXX # XXXX Transunion XXXX XXXX XXXX account XXXX XXXX for XXXX account # XXXX for XXXX for Transunion XXXX Flagship account # for XXXX, for Transunion XXXX XXXX XXXX XXXX account for Transunion XXXX XXXX XXXX account for XXXX All violated my rights 15 USC 1681 section 602A states that I have the right to privacy. 15 USC1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (NJ)

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts and information you report on my XXXX XXXX. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : 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 I have red my rights under the FCRA and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

My Chase account was closed on XX/XX/XXXX. On XX/XX/XXXX, I found that I could not log in the account, so I called the bank. They also did not specify what caused the accounts to close, only the bank 's decision. The first time I called, I told you to mail me the money in my account within ten days. But when I checked the next day, they said they weren't sure, the money in the account was locked, and they could only wait a week or two. On XX/XX/XXXX, I called Chase again, they said I need to wait until next Monday.
Consumer complaint received 2017-03-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC (MD)

On XX/XX/XXXX my vehicle was reposed from home, while being parked in my drive way. During this repossession my friends car was parked slightly in front of mine and his vehicle was damaged. Additionally, Maryland law ( 2010 Maryland Code, COMMERCIAL LAW, TITLE 12 - CREDIT REGULATIONS, Subtitle 10 - Credit Grantor Closed End Credit Provisions, Section 12-1021 - Repossession ) states that I must be notified by letter or certified letter 10 days prior and a XXXX letter 5 days prior that my vehicle will be reposed. I never received either of these notices. American Credit Acceptance, the lender, stated a 10 day letter was sent back in XX/XX/XXXX, however, I made a payment on XX/XX/XXXX in the amount of {$460.00} and XX/XX/XXXX for {$460.00}. I never got another 10 day notice or a 5 day notice. My car was suddenly than reposed illegally. The law also states I can than get my vehicle returned without payment and American Acceptance is refusing to follow this process. Please help me in retaining my vehicle as I have paid over 18,000 on this vehicle which had an initial cost of XXXX and only have year left to pay. I am currently out of work due to injury on the job and this is own means of transportation for taking my son to school and going to school myself. Additionally, I believe I was taken advantage of as I have a 20 % interest fee and am charged {$25.00} everyday my payment is late. Maryland law also says I have the right to purchase my car at the auction it will be sold, but this is being denied to me as they stated it will be sold at an auction for only DEALERS, which I am not and thus would not be able to purchase my car.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NM)

Loan transferred to a other subsidiary of Mortgage company. I found it suspicious/odd. The new servicer stopped or never started sending me statements. I contacted them several times ( via phone ). After several attempts, I received one copy of a statement that had thousands of dollars of fees. I immediately contacted them again. They would not/ count not provide information. Then I wrote them a letter Error/Information Request. I received a one page response indicating " we are working to gather the requested information and will forward it to you as soon as possible ''. Over 30 days have passed and no further information. It's now XXXX  months since loan transferred and no monthly statement has been sent/received. I've continued to make payments. They are clearing my account. I do not know if/how they are being applied and I do not know if the escrow account is paying my property taxes. Most importantly I do not know/understand what these thousands of dollars of fees are. I have checked my credit and thus far this shady situation is not affecting reporting negatively.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 I deposited a loan check for XXXX $ from XXXX XXXX XXXX from my retirement 401 K. Into Wells Fargo Bank account at an atm. It was cleared on XX/XX/2023 for the funds to be used. Wells Fargo put a hold on my loan check for atleast 9 to 10 days without giving me any type of explanation. I spoke with XXXX XXXX XXXX and they indicated that they had a reference number stating that the check was cleared to go to the bank to get my funds released. I went to Wells Fargo bank even spoke to a supervisor about it and they just said that they couldnt help me out in releasing my money to me. This loan is an emergency that I needed to take out in order to pay bills I needed to pay because I was in the hospital without pay. Somehow they didnt really cared about what excuse I had for them to release my funds. They just told me to wait until the hold was over fro the funds in 10 days that there was nothing they or I could do even though the check was cleared on XX/XX/2023 and funds were available to use. I believe I have been abused for either racism or stereo typed for my name, culture, race. It is unbelievable how a XXXX military veteran that has served his country has to go through this type of treatment with this company. I am extremely disappointed and will no longer be any part of this company as soon as I can get my funds available. I have been a big contributor and long years member for Wells Fargo bank. I just hope this nonsense can be stopped with this bank and other customers do not have to go through the same thing my whole family has been through thanks to them.
Consumer complaint received 2018-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted disputes with XXXX, and Trans Union, on multiple occasions and the bureaus keep reporting the account, XXXX XXXX # # XXXX as " correct, updated account. '' I filed a complaint the Consumer Financial Protection Bureau ( complaint # XXXX ) against XXXX XXXX, and they responded by stating, " The company responded that they are not the appropriate company to address your issue. '' Well if they are not the appropriate company to resolve my issues, then who is? I requested the bureaus to verify with the debt collector which is XXXX XXXX   that I owed this debt. If the credit bureaus were actually verifying that the information XXXX XXXX   was reporting back was accurate then why are they saying they are not the appropriate company to contact?

My credit reports from XXXX  and Transunion report as a charge off, not sold to anyone, only under the company XXXXXXXX XXXX! They are reporting that I owe {$5000.00} which I don't and they have never provided proof that I owed the debt. Apparently, based on their response to the CFPB this account is unverifiable and should have been deleted.
Consumer complaint received 2024-03-15
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. (DC)

The information on my Experian report showcasing XXXX XXXX  and XXXX  being sold as an account I contacted the information in which the credit card was sold and was told that the information on my credit should not be shown as the company has not been reporting this fraudulent account on my credit. It stated that they are not able to report those type of information on my credit. 

Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report. And they have to do it for free. 

The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 

If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. Nonetheless, some companies have argued that if they are unable to determine that the disputed information is false, they are free to tell the consumer reporting company to continue providing the information on reports. 

This account should be deleted off of my Experian Credit account immediately. Thank you in advance, I look forward to this account being deleted and not reported on my credit report I spoke to this agency on XX/XX/year> at XXXX and was told this account should not be reported on my account by the debt collection agency XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

My wallet was lost and there has been unauthorized charges to my account. I have reached out to both the bank and the merchant. The merchant told me to file the claim with my bank and they will reverse the charges. Chime declined my claim XXXX XXXX and refused to provide any documentation to show how they came to this - these were fraudulent charges- they refused all credits on my account- never received a temporary credit or anything. They resolved this claim in less than 24 hours. I kept reopening the claim to get them to work the claim, however, they refused to advise on the steps they took. My entire wallet was lost. I am certain that they did not process my claim accordingly to the law. 

Claim XXXX XXXX  Chime also denied this claim- they had no details to provide as to why the claim was denied, again allowing unauthorized charges to my account and refusing to provide a credit. This claim is supposed to be on my credit builder account - credit card account - This account functions like a checking account online, allowing for unlimited of daily transfers, no pre-set spending limit, no monthly invoicing/billing. However, when you file a dispute, it is processed like a credit card, but functions as a debit card. 

Claim XXXX XXXX  - Chime will also eventually deny this credit with any due diligence or verifiable documentation that they took the appropriate steps to make sure that my claim is processed. 

I have filed 3 claims, and each claim has been denied - THESE ARE FRAUDELENT TRANSACTIONS- I reported them as fraud. These are not my transactions, and the bank would have known that if they took the appropriate steps. Please help me get my money from these fraudulent transactions
Consumer complaint received 2022-12-20
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. (NJ)

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts and information you report on my XXXX XXXX. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : 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 Date opened XX/XX/XXXX. I have red my rights under the FCRA and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NEW YORK COMMUNITY BANCORP INC (IN)

Multiple unauthorized international transfers occurred from my account totally about XXXX. The bulk of the transfers occurred in XXXX. I notified Flagstar while the unauthorized transfers were occurring. Flagstar then denied my claim because the first transaction occurred more than 60 days from the time I make the report. The first 2-3 transactions were of amounts that I would not notice. Flagstar is hiding behind Regulation E - 1005.6 ( b ) ( 3 ) and ignoring 1005.6 ( b ) ( 4 ). 

In addition, the money was removed from my account using a card that I did not have in my possession, did not authorize anyone to use, and was unaware of at the time of the transactions.
Consumer complaint received 2022-11-08
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. (TX)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crescent City Credit Recovery, Inc. (LA)

This is the second complaint against this company. In the last CFPB complaint they claimed they were going to delete - which they did not and also updated the account on my credit report as valid. I have retained an attorney to handle but I do want the CFPB to re-review and audit this agency and their procedures as they blatantly LIED to the CFPB