davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX  Is Blocking me From Opening Up Checking Accounts With XXXX, Bank of America, XXXX XXXX, XXXXXXXX XXXX this Account Where Not Open by me All This Banks Account Where Open Fraudulent and i never Gave Permission to this Banks to Open Accounts. with my Permission Please Help me with this XXXX XXXX Denied All My Claims For All This Fraudulent Checking Account and Added The Block back to My XXXX XXXX Consumer Report. a Police Report and Identity Report from FTC Was send And XXXX XXXX   Denied the Information and al the Disputes where denied ...
Consumer complaint received 2018-08-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: E*TRADE BANK (MA)

ETRADE Bank owns my second mortgage.This was discharged in Bankruptcy in XXXX and from XXXX to XXXX it was protected by the injunction in Bankruptcy.ETRADE has been illegally trying to collect the debt through its servicers of XXXX XXXX.Other illegal collection efforts had been orchestrated by XXXX and XXXX all trying to collect a debt owned by ETRADE and discharged in Bankruptcy. 
I complained to the current servicer XXXX XXXX XXXX ( XXXX  ) and they said its not their fault or responsibility.ETRADE sends it back to XXXX as the servicer so its a circle where the owner of the debt can have a servicer make illegal efforts to collect the debt and when caught, change servicers and say they are not responsible.ETRADE should be held accountable and according to the CFPB compliance bulletin on mortgage servicing transfers they are.I am including some of the illegal written efforts to collect debt discharged in bankruptcy along with evidence of ownership of the debt and letters from XXXX and to ETRADE Bank.ETRADE is trying to absolve itself of responsibility and should be held accountable, otherwise they will continue this practice of illegal debt collection while switching servicers.
Consumer complaint received 2018-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I would like to report the Bank of America account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by Bank of America itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TN)

This debt collector purchased an alleged debt, but did not purchase the rights or my consent to use my private copyrighted information in commerce. CEASE AND DESISTS from using my information immediately or I will sue for COPYRIGHT INFRINGEMENT!!! 

The original creditor is a Fiscal agent of the United States dealing in securities and has certain responsibilities under the Security Exchange Act. You are attempting to collect a debt not owed. 

IRS Form 211 will be filed to Auditor this account in 15 days if these actions are not corrected immediately.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2023, I went to Capital Ones website to apply for a credit card for personal, family, and household purposes. I provided my personal information and my social security card # ( or credit card pursuant to the Truth in Lending Act/Regulation Z ) which allows me to extend my credit to the company to obtain financing for personal, family, and/or household purposes. The attached document shows the definition of credit in the Federal Code of Regulations, any violation of this code constitutes fraud and illegal activity ; which this company would be responsible for civil and/or criminal liability for violating any of my federally protected rights as the consumer in this transaction. After submitting my information on the credit application, which Capital One accepted and proceeded to pull my consumer reports. Capital One then denied my application for an extension of my credit on the basis of me having an existing account with them as well as my consumer reports. Consumer reporting agencies like XXXX, XXXX, XXXX, XXXX and others have an extensive history of having inaccurate reporting, this is proven by their many data breaches and complaints on the CFPB. Which is why the Fair Credit Reporting Act was created. The credit score is a made up number based on inaccurate information that is being reported on consumers, without their consent, which violates their privacy. This company can not use a credit history or a consumer report to deny me access to an extension my own credit pursuant to Truth in Lending Act without offering a counter offer. According to the Equal Credit Opportunity Act, a company can not deny a consumer access to credit for any discriminatory reason. It states that Credit is a right, which can not be taken away for any reason when a consumer extends their credit card ( or social security # ) in good faith to obtain financing for personal, family, or household uses. In using my credit history or consumer reporting as a basis to deny me my right to credit, Capital One is violating my federally protected right credit as the consumer in this transaction.
Consumer complaint received 2023-08-31
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NJ)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX Reporting XXXX location of Fraud : XXXX XXXX XXXX XXXX NJ The person responsible for fraud of misuse of customers credit card information is the only manager that was working during the times of XXXX- XX/XX/XXXX. 
I have proof of evidence of being overcharged twice on my rental and an unknown transaction of XXXX dollars for a service I never used and it was the same time I rented from XXXX. The only people that had access to my credit card and information was the manager of this XXXX location. My bank didn't bother to help me since XXXX didn't want to give out the information and according to my bank they was deleting my past transactions out the system. And then when I had to send out physical evidence to my bank thru the mail, my evidence got lost so now I'm back again to seeking justice. Due to them overcharging me and the money they took from me never bounced back into my account, my account is negative XXXX XXXX and citibank had no choice but to close my account and basically told me to take legal action to clear up my rental debt now. I paid for all my rental costs plus the XXXX tolls so there should be no reason why they messed up my transactions. I told XXXX multiple times and their response is that they can't read my transactions thru their system and I can only see my transactions at the place of the rental. I was paying XXXX a week on the rental with a XXXX dollar deposit and a additional XXXX a week to cover tolls, I don't know why they decided to charge me a extra XXXX dollars in my bank account. All the money I was paying weekly was still being taken out my wallet even tho it declared it as pending, if that was the case my money would of bounced back to the original account but now my money is missing, they charged me XXXX to where my account went negative and had no choice but to close my account. I would like the XXXX charges to be disputed and a investigation on the person responsible for scamming my account that is working behind XXXX.
Consumer complaint received 2018-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Current Mortgage XXXX per month to XXXX. Before my XXXX I had no problems with this payment- I can not believe my reduction in over half my income and only XXXX was reduced for the month. When I told my representative that this reduction amount would not help me. I was simply told I could decline it. Later, I started to receive them about my notices about selling my home and foreclosure. I want to keep my home.. I need an affordable modification amount.
Consumer complaint received 2023-08-25
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 (OR)

To Whom It May Concern, I hope this message finds you well. I am writing to address the recent permanent limitation placed on my PayPal account ( XXXX ). I believe that there has been a misunderstanding or error in this matter, and I am kindly requesting a re-evaluation of my case. 

Firstly, I wish to express my utmost respect for PayPal 's policies and guidelines. As a diligent user, I have made it a priority to adhere to these regulations since the inception of my account. I am confident that I have not engaged in any activities that would violate PayPal 's terms of service. 

Given this, I am left perplexed by the limitation that has been imposed on my account. It is my sincere belief that this action is a result of some oversight or technical glitch. I am certain that no actions from my end could have warranted such a response. 

I kindly implore PayPal 's team to take a closer look into the specifics of my account activity. A thorough review will reveal that there have been no breaches from my end. I value my relationship with PayPal and the convenience it brings to my online transactions. Losing access to my account has caused me significant inconvenience and distress. 

In light of the aforementioned points, I humbly request PayPal to initiate a re-investigation of my account. If any errors are found, I kindly request the removal of the account limitation. The ability to use PayPal is pivotal for my online transactions, and I am hopeful that this matter can be resolved promptly. 

I am grateful for your attention to this appeal and the swift resolution of this matter. Please do not hesitate to contact me at XXXX for any additional information that may be required. I eagerly await a positive response and the reinstatement of my PayPal account. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (WA)

On XX/XX/XXXX both my husband and I requested our annual free copies of our LexisNexis Consumer Disclosure. After receiving a letter in the mail with a URL and PIN to receive my report, I followed the directions to download my report and received a " File Not Found '' error. When we received the letter for my husband 's report, the same issue occurred. 

I attempted to call LexisNexis via their posted phone number however there is no option to speak to a person even though it was during their posted business hours. 

I sent an email to XXXX explaining my issue. 

On XX/XX/XXXX, we received another set of letters with new URLs and PINs to receive our reports and followed the instruction again. This time we are receiving an " Invalid Pin '' message asking us to call the number I called before that does not have a way to talk to a live person. Once again, it applies to both reports. 

There does not seem to be a way to speak to someone to gain access to our free annual report.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NY)

XX/XX/2023 : contacted Chase Bank Credit Card department for a possible fraud case involving my credit card ( ending # XXXX, previously ending # XXXX ). A new credit card with a new number was issued to me after my reporting ( new card ending # XXXX ). My reporting consisted a series of unauthorized purchases between XX/XX/2023 & XX/XX/2023. I informed Chase bank that I didn't make those charges, total {$300.00}. Initially, I was given the credit immediately. However, after the investigation, the credit was removed and the charges were put back to my account. 

XX/XX/2023 : after the second review by the Bank, I was informed by the Chase Recovery Team at Chase ( XXXX ) that I am liable for the charges claimed because those charges were made via the chip. I repetitiously told the Bank that those charges were not made by me because some of them were made in the weekend and on days that I was not at work or off from the office. All those charges were from a restaurant named XXXX. If I was not at work, it's impossible for me to make those charges. Nonetheless, the Bank said they could not be wrong because all transactions made through their chip are perfect and mistake-proof.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

In accordance with the fair credit reporting act XXXX  account number # XXXX ( Discover Card ) has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment under a credit card account under a open end consumer plan as late for a purpose.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I am writing to bring to your attention a matter of concern regarding the reporting of my educational records, specifically the transaction history, to credit reporting agencies. This action by XXXX, is a clear violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974 and the Privacy Act of 1974.

FERPA, codified at 20 U.S. Code 1232g, protects the privacy of student education records. Under FERPA, educational institutions that receive federal funds are required to maintain the confidentiality of student records and can not disclose personally identifiable information without the student 's consent. Moreover, the Privacy Act of 1974 explicitly states that the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his/her education, financial transactions, medical history, etc. Transaction history pertinent to educational loans or financial matters, falls squarely within the realm of protected information. As a student loan servicer/custodian of these records, XXXX is bound by FERPA regulations when handling my account information. 

I have reviewed my credit report from XXXX, Equifax and XXXX and noted that my account information, pertaining to my student loans serviced by your organization, has been reported to credit reporting agencies. This action appears to be a violation of my rights under both FERPA and the Privacy Act. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.

I am demanding that you cease reporting my account information to all credit reporting agencies, as required by law. Furthermore, I expect confirmation that my account information has been removed from Equifax, XXXX and XXXX and all other credit reporting agencies. 

Due to such negligence this issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for XXXX 's actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by XXXX Failure to comply with these legal obligations may result in further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I anticipate your cooperation in resolving this issue in accordance with the applicable laws and regulations.
Consumer complaint received 2024-04-10
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. (MO)

I am writing to bring to your attention a matter of concern regarding the reporting of my educational records, specifically the transaction history, to credit reporting agencies. This action by XXXX, is a clear violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974 and the Privacy Act of 1974. 

FERPA, codified at 20 U.S. Code 1232g, protects the privacy of student education records. Under FERPA, educational institutions that receive federal funds are required to maintain the confidentiality of student records and can not disclose personally identifiable information without the student 's consent. Moreover, the Privacy Act of 1974 explicitly states that the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his/her education, financial transactions, medical history, etc. Transaction history pertinent to educational loans or financial matters, falls squarely within the realm of protected information. As a student loan servicer/custodian of these records, XXXX is bound by FERPA regulations when handling my account information. 

I have reviewed my credit report from TransUnion, XXXX and XXXX and noted that my account information, pertaining to my student loans serviced by your organization, has been reported to credit reporting agencies. This action appears to be a violation of my rights under both FERPA and the Privacy Act. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.

I am demanding that you cease reporting my account information to all credit reporting agencies, as required by law. Furthermore, I expect confirmation that my account information has been removed from XXXX, TransUnion and XXXX and all other credit reporting agencies. 

Due to such negligence this issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for XXXX 's actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by XXXX Failure to comply with these legal obligations may result in further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I anticipate your cooperation in resolving this issue in accordance with the applicable laws and regulations.
Consumer complaint received 2023-09-02
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. (TX)

I disputed a account on my credit report that is fraud and identity/theft XXXX  XXXX card services XXXX and I spoke to few Equifax reps and they are rude to me and hung on on me and wouldnt assist me of getting this account removed off my credit report and Im so hurt and I felt disgusting I send in the documents and my social and my ID over and over and they are not getting them via online
Consumer complaint received 2023-05-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (CA)

I have tried to open an account with Navy federal multiple times and they keep denying me saying my information isnt correct. They wont tell me what is incorrect. I have never had an issue opening an account with any bank and I verified my identity at the local branch that was over 70 miles from me. Its really frustrating that I have to keep proving who I am and being told my information is wrong. Like how can a bank tell me who I am??
Consumer complaint received 2024-04-10
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

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

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

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

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

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$480.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}