davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Companys have failed to to remove all negative accounts on credit report after receiving official notice and deleting items in 4 days as stated in title 15 usc 1681c-2
Consumer complaint received 2023-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery is reporting inaccurate information on my credit report. 

That is a violation of the FDCPA. They Have to report accurate information or delete the account of the consumer report. 

below is the proof of inaccurate reporting on my consumer report. 

15 usc 1681e ( b ) ( b ) Accuracy of report 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.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

I opened an account with Citizens Access in the beginning of XXXX. Shortly after they put my account on hold and since then I have not been able to access my account and they couldn't tell me when I would again have access to my funds. They told me I could make my cu that sent the money put through a hold harmless to reverse the funds, however, my credit union warned me about sending funds to them so I do not know want them to have to deal with trying to get access and my money out of that account. I tried closing the account and they informed me since it is on hold they can not close the account either. Since XX/XX/XXXX I have had XXXX calls with Citizens Access. They continued to send me bank statements however because my account is on hold I can not even access the statements.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I suspect these accounts are the product of identity theft : XXXX XXXX {$0.00}, XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00}
Consumer complaint received 2024-06-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NV)

This spans over a 2yr period since XX/XX/year>! It's a long story to be honest and I am exhausted behind this whole ordeal! Citibank should be sued for punitive damages. Please look into this for me because I think it's personal to them. XXXX XXXX reported one of the checks to be fraudulent. I was able to cash the checks anywhere. Even their own Bank Branch in XXXX XXXX XXXX they have 2 of them. There own branch managers refused to render me services to cash & close my account in a safe manner. This is why I am at my wits end pursuing this. I'm begging you to please help me get my money. I'm in a Homeless situation right now in XXXXXXXX XXXX and I need to get off the streets before XXXX XXXX.Thank you truly! XXXX XXXX
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I mistakenly initiated a payment for {$2000.00} instead of the intended {$200.00}, and I promptly requested a reversal. Interestingly, the reversal was processed twice on the same payment which means the bank charged me {$4000.00} and claiming they game me free {$2000.00}.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2023. {$2000.00} was placed on my Venmo account. I linked it up to my business XXXX account. Received confirmation. Requested to transfer money into amount XXXX {$2000.00}. Received email process confirmed at that point XXXX balance of my Venmo. Received email that monies would be received XXXXXXXX XXXX. Than a email stating XXXX deposits will be made. I called XXXX business no deposits etc..no hold etc. 
Than I call a Supervisor at Venmo she can not help me only a processing center I tell her Name XXXX I received email and confirmation and then XXXX told that it takes 5 days when in doubt all email are different then she staes I donot know cannnot help you. I call back they state the same thing I request to please speak to someone noone available so you take {$2000.00} out of my account provide incorrect information I must pay a major invoice for my company than you state you can not help me when in doubt this affect mer and my firm. 
Please see email received Please note this is XXXX as well XXXX XXXX XXXX XXXX on XXXX XXXXXX/XX/2023 Transfer Amount {$2000.00} Transfer transaction ID XXXX Estimated arrival XXXX XXXXXX/XX/2023 Destination XXXX XXXX XXXX You can see the status of your bank transfers by visiting your Account Statement. 

Bank transfers initiated before XXXX XXXX on business days will typically be available in your bank account the next business day, but it can take up to XXXX business days. 

Business days are XXXX XXXX XXXX bank holidays.
Consumer complaint received 2024-07-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

Subject : Request for Specific Reason for Denial of School Discharge Application -Private Loans ending in XXXX, XXXX, and XXXX I am writing to seek further clarification regarding the denial of my school discharge application. 

I initially submitted a complaint to Navient on XX/XX/XXXX concerning my non-receipt of the school discharge application. Following this, I received the application on XX/XX/XXXX, completed it, and returned it to Navient on XX/XX/XXXX. Subsequently, I received a denial on XX/XX/XXXX stating : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct, and you do not meet the requirements for discharge based on misconduct by your school. '' I would like to request a specific reason for this denial, as the response I received appears to be a generalized statement that was sent to numerous other applicants who were also denied. I provided substantial evidence in my application, including documentation of my approved Borrower 's Defense case against ITT Technical Institute for federal loans. My private loans pertain to the same institution and the same period as my federal loans, where widespread misconduct took place. 

I believe I have met the necessary criteria for discharge based on school misconduct, and I am seeking a detailed explanation as to why my application was denied. I would like to know what additional information or documents I can submit for reconsideration of this application. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-10-10
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. (NY)

i requested to the credit bureaus XXXX XXXX and transuion to remove the derogatory accounts that were not mine i submitted an identity theft report and the stated that the information was verified without and documented proof
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (MS)

I have called several times in a days time. This was XX/XX/2023. Everytime I called, I've explained about identity theft and that someone used my social security number and pay card. The times I've tried to explain, I couldn't get a representative. I just want this removed from my report because I have a family and I am looking to buy a bigger home but this hurts my report.
Consumer complaint received 2023-10-10
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. (CA)

Dear CFPB, I disputed a charge of {$890.00} with Chase bank for the merchant XXXX XXXX XXXX, and got a denial. The original transaction date is on XX/XX/XXXX, and it got rebuilt to my account after the dispute denial on XX/XX/XXXX. I wrote a letter to appeal the dispute result, and got denied again on XX/XX/XXXX saying that the transaction is valid. 

I travelled in XXXX XXXX, and a person in spider man costume asked me to take a photo with me and my girlfriend. After taking the photo, he asked for a tip of {$9.00}. However, I was charged {$900.00}. He left already when I realized that I was charged the wrong amount. 

In the reply letter provided by the merchant for the dispute, they claimed that I bought XXXX paintings and they gave me additional XXXX for free. This is not true, because I just took some photos and never bought anything. In the receipt provided by the merchant, it does not have any itemization that shows what I bought. The address on the receipt is also wrong. It says XXXX XXXX XXXX, XXXX XXXX, California XXXX. This address is actually for XXXX XXXX XXXX from XXXXXXXX XXXX and it does not sell any paintings. The receipt also does not have my wet signature on it although it writes signature verified. I never put my signature for this transaction. 

In the appealing of the dispute denial, I also attached a copy of police report that I filed after I found that I was charged the wrong amount. I also attached the photos that merchant took for my girlfriend, but Chase bank did not look into these and just said they already reviewed all the information to determine the validness of the translation. 

Furthermore, in the whole process, I have experienced a lot of trouble communicating with Chase. They first said that I should reach out to Fraud department, and then Fraud said I should speak with Dispute department. After several correspondence, Dispute department finally agreed to open a case for me. There is no clear ownership from the different departments, and I feel confused on who should I reach out to. 

Thank you
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I am being discriminated against, only because I filed a complaint against Synchrony Lowe 's credit card. My XXXX  and I applied for a XXXX XXXX XXXX credit card and denied once for not lifting our credit freeze. We applied again and lifted the freeze on all three credit agencies. Before doing this, we checked our FICO scores, all excellent on all three. We did NOT receive any mailing or notification from Synchrony bank, so I called, the rep told me to go to the Sam 's Club store and apply there. The Sam 's Club rep called their credit rep at Sam 's Club corporate to help me. I was there on the phone with her for XXXX minutes and again, received a notice that I would receive an answer in XXXX to XXXX  days. Today, on the XXXX, I received an email notification telling me after they told me to do so, that I was denied because, 'Prior application submitted too recently ' To me that is not a reason with a perfect credit score, and they are discriminating against me because I complained about their Lowe 's card.
Consumer complaint received 2023-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

This company is misallocating funds. I have reached out to them on several occasions to resolve the problem. I would get hung up on and finally receive a notice with an explanation that does not make any sense. I let it go at first, but it keeps happening and I'm sure I am not the only person. I also had a problem with closing this transaction and the funds were also mismanaged. 

1st. occurrence - This loan was refinanced and the first payment was not due until XX/XX/XXXX - I made payments XXXX payments to the principle only prior to the initial due date and noticed on the statement they used a portion of it for the interest. I called to fix the problem only to get the run around, but I let it go because it was getting very stressful with being handed off to many representatives. 

2nd occurrence - On statement dated XX/XX/XXXX - I had an escrow balance of {$7500.00} a payment was made to my insurance company in the amount of {$980.00} and on the following statement it showed a payment to the Tax Disbursement in the amount of {$4700.00} - for a total amount of {$5700.00} which should have left me a total of {$1800.00}, however, when the statement dated XX/XX/XXXX came out, it only showed a balance of what was just added {$840.00}. I inquired about the balance and could not get a straight answer. 
After my escrow balance started all over from scratch, my escrow amount was not enough and they sent me out a notice that my payment would increase unless I paid the amount of {$360.00}, I paid the overage and my payment still went up. I didn't notice the increase until a few months later. when I inquired about the payment, they made a few adjustments on my account and reallocated more money into my escrow account. 
I pay biweekly with an additional {$150.00} per month going to my principle, these payments are automatic. After the adjustments were made, the company was now reporting that I missed a payment, they waived the first late fee, but didn't the 2nd month. This was reported to the credit company and dropped my credit score by XXXX points. This caused me financial harm with my other creditors. I reached out again via an email and they fixed the credit report, but then they messed up again, by placing a very low amount into my principle account and doubling the amount that was placed in the interest account. 
If you follow the paper trail, this situation should have been resolved immediately, but here I am frustrated with all of the money that has been misallocated, gone missing and just overall mishandling of funds. I set this account up to make my payments on time with a little extra to pay off this loan sooner, but the customer service and the lack of understanding caused me to submit this request.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (GA)

I settled a payment arrangement with One Main Financial service. On my credit file they are reporting late payments which is inappropriate, fraudulent and inaccurate. XXXX has been keeping the same information on my credit profile which is hindering my score. XXXX keeps stating the profile is updated but no changes has been made. They have already been fined for reporting inappropriate and inaccurate data. Please delete this account or update my payment history to ND or paid/ settlement because I have not been late on payments so I should not have a negative payment history on this account.