davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Propel, Inc. (SC)

am writing to express my extreme dissatisfaction with the handling of my dispute regarding unauthorized charges on my account. Around the end of XXXX my wallet and phone were stolen, and as a consequence, unauthorized charges were made on my provider 's card account.I promptly reported the theft to both law enforcement and your company on XX/XX/2023. Despite providing all necessary documentation, including a copy of the police report and any other requested information, the issue remains unresolved.I have attempted to resolve this matter through your customer service department multiple times, but regrettably, the issue persists. 
The unauthorized charges continue to affect my financial stability, causing undue stress and inconvenience.I am requesting a thorough investigation into this matter and an immediate resolution to remove the unauthorized charges from my account. 
Additionally, I kindly request a detailed update on the progress of your investigation and a timeframe for its resolution.If this matter is not rectified promptly, I will have no choice but to seek further assistance from relevant consumer protection agencies or legal counsel. 
I urge your immediate attention to this matter and request a resolution of a full refund at the earliest convenience. 
Please contact me at XXXX to discuss this issue further. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-05-06
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)

The account was paid off in XXXX of 2023 but was recently reported to XXXX, XXXX, and Transunion as open. Please update the status to show paid in full.
Consumer complaint received 2023-10-03
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: SYNCHRONY FINANCIAL (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (IL)

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.
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (TX)

Speedy Cash has issued some sort of garnishment on any funds in any account with my name on it. I contacted the person XXXX XXXXwho withdrew the funds, since its under an individuals name and not under speedy cash. They couldnt provide any information and couldnt validate the reason for withdrawing over {$4700.00} from my account. This if the second attempt, XXXX XXXX returned the funds to my account. XXXX XXXX released the funds to this person. And now funds I had in XXXX XXXX have been blocked.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

Selling products online and went through Western Union Received many email from Western Union. 
Upon sending the package to the receiver, western union confirms there is no sign of any payment or trail of communication from me.

Fraud
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

1 ) XXXX XXXX Date : XX/XX/XXXX Amount : {$2500.00} 2 ) XXXX XXXX Date : XX/XX/XXXX Amount : {$270.00} 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$850.00} 4 ) Transworld Systems INC / XXXX XXXX Date : XX/XX/XXXX Amount : {$450.00} All this account were opened fraudulent
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial (TX)

Hello, good morning, we have a problem with the company Cicle Internet Financial cervice LLC because we sent you 18 days ago XXXX transfers for the following amounts : XXXX usd date XX/XX/2023, XXXX usd date XX/XX/2023, XXXX usd date XXXX usd date XX/XX/2023 and XXXX usd date XX/XX/2023 for the exchange of USD TO XXXX XXXX 's technical support agents tell us that these transfers would be returned because you do not have the reference ID, but this has not happened and it has already been 18 days. We are facing lawsuits from our workers for not paying our company 's payroll. XXXX XXXX XXXX XXXX because XXXX has not returned the transfers. We request your support from the CFPB so that our transfers are returned immediately. Thank you very much
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BOA responded to my earlier CFPB complaint offering XXXX $ bonus but just gave 1 day to spend. I got letter on XX/XX/XXXX and they gave only time until XX/XX/XXXX. Even then i spent all XXXX $ spend needed but they are not offering XXXX $ bonus as transactions posted on XX/XX/XXXX even though they were spent on XX/XX/XXXX. 

BOA Ticket XXXX can be used as reference.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (DC)

I hope this message finds you well. I am writing in response to recent allegations of fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX After a thorough investigation, I can confirm that I have no knowledge or involvement in such activities.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated federally protected rights to privacy and confidentiality under U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal information i have never live at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

Wyndham XXXX XXXX representative at their XXXX XXXX destination accessed my credit report without my permission and on contesting he was not ready to listen and instead started abusing us. We were fraudulently asked to attend their sales presentation and they accessed our personal info as well without our permission. They in addition also duped us of {$40.00} from our credit card and refused to refund that to us I would like to strongly complaint against their behavior and would like to get {$40.00} which they deducted from credit card. In addition we would like to ask for a compensation of XXXX Wyndham points for which they did fraudulent claims, did hard Enquiry on my report without my consent and forced us to buy those points
Consumer complaint received 2023-06-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Its been over 30 days, XXXX, Transunion and XXXX haven't shown prove that I owe XXXX XXXX nothing. 

On XX/XX/23 I sent all three credit Bureaus a 609 letter.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

am writing to dispute the information on my credit report related to the account with the account number XXXX. The discrepancies in the reported information are as follows : XXXX. Account Status Discrepancy : XXXX : Derogatory XXXX  : Paid Equifax : Paid XXXX. Monthly Payment Discrepancy : XXXX : {$0.00} XXXX : {$0.00} Equifax : {$0.00} XXXX. Date Opened Discrepancy : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Balance Discrepancy : XXXX : {$0.00} XXXX : {$0.00} Equifax : {$0.00} XXXX. Payment Status Discrepancy : XXXX : Current XXXX : Unknown Equifax : Current XXXX. Last Reported Discrepancy : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Comments Discrepancy : The comments on the account mention that it is " Settled - less than full balance '' and " Account legally paid in full for less than the full balance. '' These comments are inconsistent with the reported payment status. 
I request a thorough investigation into these discrepancies and urge you to correct the inaccurate information on my credit report. Please provide me with the results of your investigation and a corrected copy of my credit report as soon as possible
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

am writing to dispute the information on my credit report related to the account with the account number XXXX. The discrepancies in the reported information are as follows : XXXX. Account Status Discrepancy : TransUnion : Derogatory XX/XX/XXXX: Paid XXXX : Paid XXXX. Monthly Payment Discrepancy : TransUnion : {$0.00} XXXX : {$0.00} XXXX : {$0.00} XXXX. Date Opened Discrepancy : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. XXXXalance Discrepancy : TransUnion : {$0.00} XXXX : {$0.00} XXXX : {$0.00} XXXX. Payment Status Discrepancy : TransUnion : Current XXXX : Unknown XXXX : Current XXXX. Last Reported Discrepancy : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Comments Discrepancy : The comments on the account mention that it is " Settled - less than full balance '' and " Account legally paid in full for less than the full balance. '' These comments are inconsistent with the reported payment status. 
I request a thorough investigation into these discrepancies and urge you to correct the inaccurate information on my credit report. Please provide me with the results of your investigation and a corrected copy of my credit report as soon as possible
Consumer complaint received 2023-12-16
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: Experian Information Solutions Inc. (WI)

i contacted the agency and i have got no response! i told them its causing me harm and i was told the information was verified and i didn't give anyone permission to ad anything to my report! also all my scores don't match across all three reporting agencies.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # 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 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (GA)

I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 

15 U.S Code 1666b.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 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 2023-12-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC (KY)

On XXXX XXXX XXXX and her husband applied for a mortgage loan through quicken loans. The application was signed delivered and received and approved. 
On XX/XX/XXXX th, 2018 XXXX husband suddenly unexpectedly passed away from a massive XXXX XXXX. 
Due to this unseen circumstance XXXX suffered much damage, loss, injury and destruction. 
Upon recovering XXXX was able to pick back up and move forward in her life. 
The loan they received was in the amount of {$71000.00} plus interest and borrowers did promise to pay this debt in regular periodic payments and to pay the debt in full not later than XX/XX/2048 according to the prepared Mortgage XXXX FHA case no. XXXX prepared by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the actual preparer is XXXX XXXX. Upon reading this document The Office of The XXXX, XXXX noticed that it clearly states that XXXX is the mortgagor which is defined as XXXX. XXXX that mortgages property, usually the nominal owner entitled to use of the property. 
XXXX. Alternative spelling of mortgager. 
XXXX. The person who gives a mortgage in return for money to be repaid. 
The XXXX XXXX XXXX of the XXXX Upon this discovery of this lack of full disclosure we have found a tremendous amount of defects which is standing grounds for XXXX the donor/beneficiary to receive remedy and recoupment and tender back immediately of all that was offered and received by all interested parties in this mortgage loan. 
I will list a few of the defects in the title : - the title was vested other than as stated in schedule A - documents affecting title not properly created, executed, witnessed, sealed, acknowledged, notarized or delivered. 
- forgery, fraud, impersonation - violation of enforcement which restricted the occupancy, use and enjoyment of XXXX XXXX.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd (AZ)

I received a debt collection letter for XXXX XXXX dollars due to an " unpaid bill '' to XXXX XXXX. Not only was the original bill to XXXX XXXX XXXX XXXX  but it was paid twice by accident and was refunded XXXX with a XXXX balance. It was NEVER sent to a collection agency. And it was never XXXX XXXX dollars. I contacted my XXXX XXXX XXXX the day I received the collection letter, Friday XX/XX/XXXX and verified that it was a scam and that in fact I did not owe ANY money. I do have an active account with XXXX XXXX  but that account is current. Monday, XX/XX/XXXX, Brown and Joseph called my personal phone and started harrassing me for the XXXX. When I asked them why they said it was an unpaid work mans comp contract. When I asked why it was XXXX they back peddled and said that was a mistake and that i owe XXXX. ( Which I dont ). This company uses scare tactics to try to collect. Threatening bad credit... If they are legit, they are not competent.
Consumer complaint received 2023-12-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC (CA)

I requested to extend my consumer credit and applied for a {$500.00} and {$1000.00} personal emergency loan and was unlawfully denied extensions of my credit. Speedy Cash has committed Fraud, Discrimination and violating just about every ECOA law TILA law and Title 15 USC laws and regulations and denied me reconsideration to approve my loans unfairly. 
The companys adverse response did not address any of my factors or issues instead gave no lawful reason or lawful facts on why my denial was not reconsidered? I applied for a loan and was denied. 
Regardless of the facts in your adverse action. I have the right to credit. XXXX says denying me access to my own credit is discrimination. I have the right to credit and with holding me access to my securities is SECURITIES FRAUD. You are in violation of XXXX and XXXX XXXX XXXX XXXX since you are denying me my credit application you are deprive me my own rights under the XXXX of the law. XXXX and FTC laws prohibits creditors from denying a loan based on facts that have nothing to do with my credit worthiness. Title 15 USC 1691 Give me the right to infinite credit. Under these Laws TILA 15 USC 1662 ( b ) ,15 USC 1611, 1602, Regulations Z and Regulations B, 12 GFR 1002.4 A creditor cant discriminate and deny your credit. Regulations B protects applicants from discrimination in any aspect of credit. Truth and Lending Act states you cant deny me my own credit to my self you cant deny me credit I all ready have. Title 15 USC 1619 ( 3 ) Right to contract my unlimited credit plan I am extending my unlimited credit. You are depriving me of my rights. 15 USC 1602 explains denying me my own credit is Discrimination. Speedy cash wanted to defend its self saying there was no discrimination using the standard disclaimer for discrimination and the discrimination you violated is not addressed in the standard disclaimer of discrimination Pursuant to USC 1691 No bank can deny extension of your credit that constitutes ultra vires. It is unlawful for any creditor to deny and discriminate against any applicant REWARDLESS OF REASON.Period discrimination occurs when lenders base credit decisions on factors other than the applicant 's creditworthiness then deny a consumer extension of there credit.Furthermore under the grounds of the standard definition of discrimination you stated I exercised my good faith under XXXX consumer protection law pertaining to credit. The XXXX is a federal law that prevents financial institutions from discriminating against credit applications based on factors that arent relevant to a borrowers ability to repay the loan. The XXXX ensures that all borrowers have fair and equal access to credit. Cant make any more clear. I request my loan applications be processed and submitted and approved immediately.
Consumer complaint received 2022-12-20
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)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX 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. 

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.