davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (PA)

I made an online payment on XX/XX/ for the amount of {$1800.00}. On XX/XX/XXXX  there were two separate transactions from my checking account for {$1800.00} for the mortgage company. I called the mortgage company to inform them of the error and they are refusing to refund the payment stating that the payment was applied to another month that I owed. There apparently was an error with the online service that duplicated the payment. I think that if an error occurred they should try to correct the error. It has nothing to do with what I owed. The system made an error and I should be refunded. Also, on XXXX I called and spoke with a representative who stated that a ticket would be put in for the error and when I followed up on the ticket today they are saying that due to past due payments they will not refund the payment taken in error by their system. This error has caused hardship for me and my family. I need the money refunded.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TX)

Did an online transfer from external bank account XXXX XX/XX/XXXX. Accounts showing in account but not available for use until XXXX XX/XX/XXXX. Called customer service at Discover and they stated it for security that it takes XXXX business days for funds to clear which is excessive. No other financial institutions function this way. This is excessive and an inconvenience if you have to pay bills. Talked to a supervisor and she stated that it takes XXXX  days to clear funds.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My broker deposited a {$5700.00} paycheck, on XX/XX/XXXX, from a closing we successfully completed to my Citizens checking account. Citizen 's Bank put the funds on hold an additional couple of days. I called to question this and they mentioned the funds would be released on XX/XX/XXXX. On XX/XX/XXXX the funds were still on hold. I called again and they mentioned my funds would be held an additional 15 days. They mentioned they reached out to XXXX XXXX on XX/XX/XXXX to be sure they had access to the funds. They mentioned XXXX XXXX  had not confirmed with them yet so it had to be held an additional 15 days and there was nothing they could do about the release. The rep also asked me if I had someone at XXXX XXXX  to assist. I said yes but I had to get back to them. We ended the call. I reached out to my broker who provided me with her branch managers name and number to reach out to. I called Citizen 's bank again and spoke with another rep who confirmed that the funds were on hold but this time he mentioned only an additional XXXX or 7 days. I told him I had the branch managers name at XXXX XXXX  and he said he could not do anything with this info. Was not happy that I was given contradicting information and also now being told the funds would be available sooner. Which one is it and what is the " real cause of this ''? They could not respond. The funds have cleared my brokers bank account so it clearly did not bounce. There is no way that it takes this long to reach out to a major bank such as TD.
Consumer complaint received 2024-01-16
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (TX)

Experian is reporting my personal non public private information as a consumer credit profile without express written or verbal consent which is in fact identity theft. I asked them to cease inaccurate reporting of my personal information and was denied. They continue to report anyway pursuant to 15 usc 1681 this is illegal and they are reporting knowingly and willing false and misleading information.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-24
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. (NM)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX Balance : {$170.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX I tried to retrieve my Transunion report online from XXXX  and I could not. It gave me an error message saying I could only receive it by mail. On XX/XX/XXXX I called in to Transunion and requested my report and I have not yet received it. It's been well over XXXX  days and I should have received my report by now. I also asked why I wasn't able to receive my report online and I was told because they have a block on it from a identity theft. I ask that they remove the block and the representative stated a person from that department would reach out to me. No one has reached out.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (FL)

My Credit Report was run by unidentified credit card company I didnt request credit. Company called XXXXXXXX XXXX. I didnt ask or request credit from them.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-04-26
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. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-19
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. (CA)

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 2022-10-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (AR)

We make payments of {$200.00} a month and they still call us and report that we owe more then the a month we do. They never subtract what we have already paid them. Its always {$3000.00} plus dollars and we been paying for several months now.
Consumer complaint received 2020-01-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRSTBANK PUERTO RICO (FL)

This new complaint is related with complains XXXX from XX/XX/XXXX,  XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. All of these belong to First Bank of Puerto Rico. 
As you review all of these complaints you can see First Bank of Puerto Rico didnt comply with the law because they only fixed this problem only with XXXX  y XXXX. They have been very negligent because in more than a year they haven't fixed the ERROR, I just find out they never fixed the same error with XXXX 
Late XX/XX/XXXX I disputed this old ERROR through XXXX  Web Site and the First Bank of Puerto Rico supposed review this error and they still insist that I owe some money which is ridiculously because they accepted / fixed the error with the 2 Bureau of Credit and left one unresolved. First Bank of Puerto Rico just updated on XX/XX/XXXX, XXXX this error without fixed. 
This problem is causing me that my Credit Score dropped almost 30 points. Please CFPB help this bank to be more responsible to comply with the law! 
Thank you very much!
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (AZ)

ATTN : CFPB RE : Inaccurate Reporting Upstart Network XX/XX/XXXXXXXX  I XXXX XXXX am filing this complaint against Upstart Network for reporting information inaccurately on my credit report. 
According to15 U.S. Code 1681- Congressional findings and statement of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
According to 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

According to 15 U.S. Code 1692e - False or misleading representations, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
This is in reference to an account with Upstart network beginning with # XXXX. I have provided proof of the inaccuracy attached to this claim. I have contacted XXXX XXXX XXXX numerous times, and they refuse to remove this inaccurate account from my credit report. This also is a violation of my Privacy under the Privacy Act of 1974. XXXX, XXXX, and XXXX are non-affiliated which violates 15 U.S. Code 6802. Upstart Network hasn't furnished a copy of my wet signature giving them permission to share my information with any non-affiliates. Upstart Network also hasn't provided a contract between us. 
This debt is a certificate of indebtedness and has been discharged. Income isn't supposed to be listed on a credit report. Upstart Network filed a 1099 to discharge the debt and failed to send me my 1099B copy from the IRS. This is security fraud and I request compensation.
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB (MD)

Over the past few months, I have encountered multiple instances where orders I placed through Klarna were not received, yet I was still charged for them. This is completely unacceptable and reflects poorly on the reliability of your service. 

Furthermore, I recently discovered that Klarna set up auto-payments on my card without my consent. Not only is this a blatant violation of my rights as a consumer, but it also demonstrates a lack of transparency and disregard for customer privacy. 

I demand immediate action to rectify these issues. I expect a full refund for all the undelivered orders and the removal of the unauthorized auto-pay setup from my card. Order Reference Numbers XXXX XXXX XXXX Failure to address these concerns promptly will result in further escalation of this matter. Consumer protection laws typically require companies to obtain explicit consent from consumers before charging their credit or debit cards. Applying auto-pay without consent may violate these laws, leading to potential legal consequences for the company. Consumers have the right to control their payment methods and should be informed and agree to any recurring charges. If a company applies auto-pay without consent, the consumer may have grounds for dispute or legal action.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I booked two hotel rooms in XXXX, XXXX this past XXXX for a week 's stay occurring between XXXX and XXXX for which I was billed XXXXXXXX XXXX. I agreed to pay for my stay using my Chase Bank XXXX XXXX credit card, which is advertised to have no foreign transaction fees. The highest foreign transaction rate between British pounds and US dollars that was in effect the day the transaction was charged to my Chase credit card ( XXXX ) was XXXX, which should have resulted in a charge of {$7400.00} USD to my credit card. Instead, I was charged {$7700.00}, a difference of {$290.00}. 

When I Inquired about the bill to Chase, Chase conducted an investigation, which confirmed that the original hotel bill was valid ( something I don't disputed ) and provided me documentation from the hotel indicating that the foreign transaction rate used was XXXX, which accounted for the discrepancy between what I expected to pay and the final cost of the hotel rooms. Chase representatives told me to take up the dispute with the hotel, which I did. Both the hotel and XXXX itself claimed that they do not charge foreign exchange fees and that they did not set the exchange rate - Chase did. Chase had continued to ignore my request for clarifying whether or not it charges a foreign exchange rate surcharge despite advertising on its website and credit card literature that it does not. 

Please see attached document " XXXX XXXX charged '' showing the exchange rate used to convert the hotel bill from British pounds to US dollars on XXXX.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (TX)

Firstly, the notice was sent to the wrong address. I believe I confirmed with the agents my actual address. Please listen to the call recordings to confirm. They listed " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I listed my address as " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX. XXXX, I called Ally bank ( XXXX ) re : I had noticed that an 'application inquiry ' had been posted to my credit report ( via XXXX from XXXX ). This call was made at XXXXXXXX XXXX  XXXX XXXX and lasted XXXX. 

XXXX  was one of the companies that this occurred with, XXXX XXXX was the other ( not affiliated with XXXX ). I called XXXX  promptly ( the XX/XX/XXXX call I mentioned ) to ask that this be marked as fraud. I specifically asked, more than once, that this application be withdrawn and cancelled, prevent the card from being sent, and that they inform the credit bureaus. I was assured that this would happen. The pre-message to this call said that it would be recorded. 

I called the same number again ( again, from my credit monitoring service ) on XX/XX/XXXX @ XXXXXXXX XXXX  central. I had been notified that my credit balance had changed. 

Turns out that whoever got this card, charged nearly the maximum to " XXXX XXXX '' within the week of XX/XX/XXXX, in XXXX, Idaho. 

I moved out of XXXX on XX/XX/XXXX to move to XXXX, TX. 

From this call, they launched an investigation, but refused to provide the 'sign up email ' and 'application phone number ' from the original application as it was 'under investigation ' ( understandable ). 

I feel that I gave them a fair opportunity by calling to ask Ally to cancel the application when I realized that I had not submitted it, as I lived XXXX miles away when it was filed and I had not been to that house in some time. That house is where my ex-husband lives. We have been trying to be amenable, and he is totally willing to help with gathering information. 

His name is XXXX XXXX XXXX XXXX ) XXXX, he goes by XXXX. His number is XXXX and he has been alerted to a possible contact and wants to help.