davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (NY)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-02
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. (TX)

I recently submitted a reinvestigation of said account, XXXX Department XXXX XXXX XXXX. According to USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ; A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by theconsumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to theconsumerby the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. And neither of this information has been met.
Consumer complaint received 2020-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (WA)

On XXXX XXXX, I was preparing the financial portion on paypal for a recent sale I had made. I received a invitation from paypal credit to apply for a credit line and receive a {$20.00} dollar discount on my next purchase. I applied and was approved for a {$2500.00} dollars. ( See Attached # 4 ).  On XX/XX/XXXX, I used the discount on an XXXX  purchase. ( See Attached # XXXX ) On XX/XX/XXXX, I attempted to make a purchase on XXXX, ( See Attached # 1 ) The seller accepted paypal credit so I assumed I would have to apply via the XXXX purchase page. ( See Attached # 2 ) I immediately realized the credit approval was already there. ( See Attached # 3 )  Unfortunately, the purchase was denied. I don't understand why the purchase was denied. Why would paypal go to the trouble of inviting me to apply for credit, reporting the new account to the credit bureau, XXXX See Attached # 5 ), give me a {$20.00} dollar discount on my next qualified purchase and approve me for a {$2500.00} dollar credit line and not be able to use it? I can't seem to get an answer from paypal. In fact, there are many pages of complaints on their website dating back from XX/XX/XXXX and none of them give a fair explanation. I thought the reason paypal was not answering my request for help was because of the recent developments with COVID-19, but after reading all the complaints on their website help section, I come to realize they have known about this problem for some time.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I submitted CFPB complaint # XXXX requesting my account be investigated due to a billing error. I gave notice that I, dispute, all past outstanding amounts and, present, or future debts and ask that the account be placed into cease and desist status. Capital one was also notified of several other violations to my reputation including but not limited to late payments and account balances. 

On XX/XX/XXXX Capital one closed my accounts ending in XXXX and XXXX without specific reason or proof for why my accounts required closure or how I may have violated the terms of their user agreement. This was done simply in discrimination due to me exercising my rights under the Consumer Credit Protection act and opening my complaint on XX/XX/XXXX. 

Capital One has continued its abuse by reporting monthly late payments to the credit reporting agencies XXXX, XXXX and XXXX despite my instructions to cease communication for my privacy and due to the lack of sufficient evidence bearing proof. 

Capital one has also sold the alleged debt to a debt collector XXXX who simultaneously reports the same inaccurate information to the credit reporting agencies XXXX, XXXX and XXXX further harming my reputation and opportunities to credit.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2023-10-09
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. (TX)

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 In accordance with the Fair Credit Reporting act. All these accounts listed above. Has violated my rights.

15 U.S.C 1681 section 602 A. States i have the rights 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.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/23 Midland credit Management and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to XXXX and XXXX and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with midland credit funding.
Consumer complaint received 2023-08-31
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION (MO)

Account in Question : XXXX XXXX reporting inaccurately to XXXX and XXXX XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2023-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (WI)

Mr. Cooper has been holding substantial rolling escrow surplus in violation of RESPA since XXXX. I proport an {$8.00} XXXX dollar surplus scheduled by XX/XX/XXXX. Please see attached XXXX. You can clearly see Mr. Cooper also saw an {$8.00} XXXX dollar surplus XX/XX/XXXX they outline this. This document outlines {$6900.00} surplus XX/XX/XXXX. 

XX/XX/XXXX Mr. Cooper states verbatim : Trustee Claims ( Agreed Orders ) were created as a result of missed post-petition payments during the active bankruptcy proceeding. Funds submitted by the Trustee that were referenced for the specific Trustee Claim ( Agreed Order ) were utilized to repay the specific Trustee Claim they were submitted for. 

However Between XXXX & XXXX statements {$17000.00} was credited as indicated on the monthly statement by the reduction of overdue payments line item. 

This was represented as XXXX interest, XXXX principle or exactly 7 months P & I, and {$3800.00} or in escrow or 7 monthsXXXX. No payments were made at this time and in XXXX there is still {$1200.00} in suspense. Attached XXXX. 

Mr. Cooper had not in fact applied any trustee payments for the post-petition claims paid XXXX until XXXX.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

This is the same message I sent to citi bank. 
I am not happy with how citi bank has treated me & Im about to unleash my wrath on citi bank thru social media. Prior to being away from home for 2 months, I called to make a final payment & to close my account. I paid it off. Thats over $ XXXX. When I returned home yesterday, I received a statement that said I owed {$1.00}. When I called to straighten it out, the unmitigated rudeness of XXXX, was unacceptable. He could care less what I had to say. The charges were now over {$2.00}. I paid it & told him I would not be in the state when my final statement would arrive & that there had better not be any further charges. He said, this amount is only a guess. There may be other charges. I told him there cant be other charges, the account was closed in XXXX! He just kept repeating the line. All I can say is, I will be reporting this to the XXXX, & the body governing banks! I am a XXXX XXXX XXXX veteran, who has spent his entire life working to achieve a credit score of XXXX. I dont miss payments. They dont just dole out this type of score to anyone! I worked for it. Now I have a bank that appears to be full of crooks, trying to XXXX me & my credit score. Is this what a XXXX veteran should expect from your bank? I think not. I will be contacting the media, if this cant be straightened out quickly. I am preparing to be out of the country when any additional statements will arrive. I paid off the entire amount, they told me to, but I think these changes should not have occurred in the first place, because I closed my account in XXXX, immediately after making the final payment. Same phone call. I am disgusted by XXXX & his inability to do anything to help me. I am more disgusted by citi bank for willfully trying to undermine my credit. This can not stand! If you cant figure it out, so my credit score doesnt drop, I will be the biggest mouth youve ever seen, that I promise! I will be discussing this with every veterans group I can find online. If that doesnt work, I will walk around outside your headquarters & time square, with a sandwich board strapped to my back, telling everyone what citi bank is doing to a XXXX veteran. I will not stop, until citi bank understands, they cant just XXXX people over, especially in these financially trying times! Please respond. I will be starting the rant on XXXX this evening! I promise it will hurt your bottom line, if I can convince everyone I know, to drop citi bank. I will be going to VA hospitals to discuss this with veterans support groups! This isnt the first time citi bank has screwed me over. I promise, a Pitt bull has nothing on me. I dont let go Thank you for your attention to this matter. I expect to hear from you with a quickness. 
Not happy with the shenanigans at citi bank, XXXX XXXX When I finalized my account, I cut the card up & threw it away. The statement doesnt show my account number, only the last 4, XXXX, I hope it helps,
Consumer complaint received 2023-09-22
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. (TX)

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

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 inructions 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 if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MD)

It started in XX/XX/22 thur XXXX..someone hacked my bank account and charged money for XXXX XXXX..which I have not use their services. Plus there are No XXXX service in XXXX Maryland! Also I work everyday as a driver for a company. DO NOT NEED OR USE XXXX SERVICE! They are trying to get the money from me on my credit. Any help would be appreciated. XXXX XXXX XXXX thanks
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OR)

Our names are XXXX and XXXX XXXX and we tried to do a refi with Amerisave.com at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Their phone is ( XXXX ) XXXX. They made us pay a {$500.00} application fee. We gave them all the information needed. Then when I asked to check for a lower rate, They ignored my calls and emails and emails sent to the customer service. I gave them everything they needed and then they never got back with me for approving the loan. I would like them to refund my {$500.00} application fee. My wife is XXXX and they might not have given us the loan because of that.
Consumer complaint received 2024-05-01
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Affirm Holdings, Inc (AZ)

I purchased a {$50.00} gift card for XXXX gas stations, and I purchased it through Affirm. 

The original purchase took place on XX/XX/year>, and I was supposed to get the gift card in my email within 24 hours. 

A link appeared in my email 2 days later, but there was no gift card in this link. 

I spoke to customer service at Affirm, and they told me to contact XXXX directly. 

I called XXXX customer service to inquire about the card, but they said they have no record of the transaction taking place as the purchase was not made directly through them, but through Affirm. 

They told me Id have to resolve the issue with Affirm. 

I spoke with Affirm again, let them know what XXXX said, to which they said Im still responsible for paying for the gift card even though I havent received it. 

At this point, I requested to cancel the order and refund my initial payment of {$12.00} I had made on the gift card, to which they refused. 

I requested a call from whoever was in charge at Affirm, and I was ignored. 

Affirm states that I have to contact the merchant directly in regards to any issues and/or returns before they take any action. I did this, and they are still refusing to refund and cancel my order despite XXXX having no record of the transaction, and also despite me still not having the gift card over a week later.
Consumer complaint received 2023-10-09
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. (TX)

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

Consumer Reports Regarding Address Discrepancies to all 3 Credit reports XXXX, XXXX, Equifax. Data Leaks due to identity Theft and Mortgage Loan reporting inaccurate information to all 3 Credit Reports.
Consumer complaint received 2023-10-30
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Consumer Reports Regarding Address Discrepancies to all 3 Credit reports XXXX, TranUnion, XXXX. Data Leaks due to identity Theft and Mortgage Loan reporting inaccurate information to all 3 Credit Reports.
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CT)

I review my credit report constantly due to being an identity theft victim several years ago and notice that I still have 5 collection accounts that have never contacted me by mail or phone. One is for XXXX XXXX which was my ex husband 's accounts. Every complaint I make results in immediate contact by the collection company. It has been several years and at this point have done everything to prove I am a victim. This ruined My life way to long.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

I have reviewed my credit report and found that the inquiry was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.
Consumer complaint received 2023-08-31
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX