davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Urgent Request to Restore Access to Credit Report and Remove Freeze Dear TransUnion, I am writing to express my deep concern and frustration regarding the continued restrictions on my credit report and the inability to remove the freeze online or over the phone. As a business owner, I rely heavily on accessing my credit report to secure funding for my business and personal needs. 

The recent block on my access, despite my previous complaint to the CFPB, has caused significant difficulties and delays in my ability to operate my business. I find it unacceptable that I am being forced to wait XXXX business days to gain access to my own credit report, which is hindering my ability to make important financial decisions. 

Furthermore, I was shocked to hear from your agent that I need to obtain a new social security number, which I believe is an unreasonable request. I request that you send an email to the social security department officials to address this matter and resolve the issue. 

Additionally, I request that you update my credit report with the other major credit reporting companies, XXXX and XXXX, to ensure that my credit information is accurate and up-to-date across all reports. 

Pursuant to Section 605 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request a freeze on my credit report and to request that the freeze be removed at any time. I am also entitled to receive a copy of my credit report and to dispute any inaccuracies in a timely manner. 

I urge TransUnion to immediately restore my access to my credit report online and over the phone, and remove the freeze to enable me to conduct my business operations smoothly. I also expect prompt updates to my credit report with the other reporting companies. I hope that this matter will be resolved promptly and fairly, without any further obstacles or delays. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-23
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. (NJ)

I am requesting again in regard to the inaccurate and unknown account on my credit report. There are multiple errors shown in my report. Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiry that I do not recognize and believe to be fraudulent. 

See below : XXXX XX/XX/2024
Consumer complaint received 2024-01-29
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

I hade a XXXX  bill that Jefferson capital to over they settled for {$720.00} I paid it and it is still showing a new bill the debt has been resolved but still showing {$500.00} that is wrong and need to be removed thank you
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (TX)

On XX/XX/XXXX, I received notification of an medical bill that was in collections from XXXX XXXX XXXX XXXX, located in XXXX, Texas in the amount of {$1300.00} for my XXXX XXXX Once received, I immediately reached out to the account manangement and advised them to send me the overall history of the accounts that was sent to TEK COLLECT. I advised a young lady by the name of XXXX that this was extremely grueling to receive a collection notice from the hospital knowing that the XXXX was performed without my consent and that I would appreciate a call from management. 

I advised that I was aware of the No Surprise Care Act being that both of my pets were approved via my doctor. I also advised, that I was aware that the hospital is a XXXX and have a charity fund that assists patients. After no reponse, I sent an additional email stating that the last bill I received reflected XXXX balance however after requesting to speak with a doctor and no response, I had to go through archived files to see any balance. The letter states that the balance owed was done in error leading to the balance of {$310.00}. The next sentence states the balance was {$170.00} stating the payment did not go through. I advised that their facility will ot perform any service unless payment is available and they always charge XXXX percent over the cost for any service in case it costs more. 

After advising the hospital of this wronful act and the potential legal assistance, they reffered my account over to a collection agency on the XXXX of this month and TEK COLLECT immediately closed the account which violates the FCRA act. Under the FCRA act, the collection agency is obliged to contact you before reporting it to the credit bureaus.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

( Capital One, XX/XX/2023 late payment reported to credit bureaus. ) In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Creditor Name : XXXX Date : XX/XX/23 Action : When contacting Equifax to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Consumer complaint received 2024-01-29
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: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, wells fargo, and XXXX XXXX ran my credit without my knowledge and permission and add an hard inquiry to my account On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account I bought a XXXX car on XX/XX/XXXX. I authorized XXXX consumer to run my credit this day
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

I requested PayPal.com to delete all personal information related to me and close and permanently delete any information pertaining to the paypal account. Paypal responded with the below statement and said they would not delete any information. 

" Because PayPal is a financial company, were required by law to keep your personal and transaction data for a number of years after your account has been closed or inactive to prevent fraud, money-laundering and to comply with financial laws. The amount of time we need to keep the data is determined by federal, state, and local laws. '' The account has been " inactive '' for over 12 years now and they still will not delete the information. I am pursuing legal action against this company for illegal data privacy use.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (NM)

I never intended to use this account for savings, I wanted to use it as a short term loan. They didnt offer me a loan. However, with {$80.00} in my bank account their genius felt like I was in a good position to invest money. They took {$11.00} from my checking account. Getting it back has been a horror. It took 5 days for it to clear once initiated - but they initiate with no delay, it is getting the money back that they prevent. I initiated a withdrawal on XX/XX/XXXX with a few hours before it should have been batch processed through the ACH and sent to my bank at XXXX XXXX Eastern time on XX/XX/XXXX. However they did not initiate it. I asked them via chat several times ( because they dont have call in support ) - it took several hours to get responses. They keep saying it takes 2-3 days to clear- which is true- but this is AFTER INITIATION. 
It is now Monday XX/XX/XXXX at XXXX XXXX Eastern time and they STILL HAVE NOT INITIATED the withdrawal. 
Again my text to support has resulted in waiting HOURS FOR A REPLY and getting the same generic 2-3 business days for a withdrawal completely ignoring that this is AFTER INITIATION. 

To cancel the account there must be a {$0.00} balance and no pending transfer. It is my contention that Albert illegally delays withdrawals/ transfers to : 1. Illegally profit off of the interest ; 2. Precent people from closing their account when they would like to, thus forcing a {$14.00} a month payment Many things they are doing are illegal and this company should not be allowed to operate. I am waiting currently HOURS again for a text response which Im sure will be that withdrawals take 2-3 days completely ignoring my question of why it hasnt been intitiated I will pursue a class action Please see my attachment- the withdrawal I initiated at XXXX XXXX Eastern time on Friday XX/XX/scrub>XX/XX/XXXX still has not been initiated by Albert as of XXXX XXXX on Monday XX/XX/XXXX It should have been batches through ACH at XXXX XXXX eastern on XX/XX/XXXX. It was not. It should have then been initiated at XXXX XXXX on XX/XX/XXXX and it was not. This is nothing short of THEFT
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (FL)

the below collector is reporting wrongfully an item that does NOT belong to me. I have tried to call them and ask them if they could provide any proof since i have no debt at all to anyone, they claimed that this account belongs to me, i EXPLAINED that there are many people with similar names, including my own family, they never got back to me since then. 

Name of collector ; Education Credit Management For Account number ; XXXX Their address ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Phone ; XXXX Please help me as I am trying to obtain a mortgage and the bank says it must be debt with first.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CT)

On or about XX/XX/XXXX I went into a local Chase Bank branch to open up a business checking account, for my newly formed XXXX. The XXXX was formed in the state of Connecticut named XXXX, XXXX. The XXXX uses a DBA of XXXX XXXXXXXX XXXX. 

The IRS registration forms showed the XXXX had a DBA of XXXX XXXX XXXX Shortly after opening the account, Chase contacted me saying they needed a trade certificate name for the DBA. I reviewed Connecticut statutes and followed instructions, showing the DBA had to be filed in the town of which the business resided in. Chase gave me until the end of XXXX to supply this document and on XX/XX/XXXX I submitted the Certified, notarized and filed trade certificate name document to them.

I did not hear anything from Chase Bank until I went to use my account on XX/XX/XXXX and found my account frozen. I contacted Chase and they told me my account was frozen because they thought the trade certificate name was filled out incorrectly. I contacted my town in which I certified, notarized and filed the document, and they confirmed the document was completed correctly. I contacted Chase Bank again and they now informed me that I needed to do an assumed name certificate with the state of Connecticut. I then contacted the state of Connecticut to find out the normal procedure in the state of Connecticut is to file a trade certificate name with the town in which the business is located in. Which is exactly what was done. There are no assumed name certificates filed on the state level.

I contacted Chase Bank again and this time I was told that the trade certificate name was not signed or notarized correctly and they were closing my account and if I wanted to reapply for another account I would have to wait 10 to 14 days. 

It seems theyre compliance department is completely incompetent and unfamiliar with state laws in Connecticut XXXX They have caused hardship and aggravation and a lot of my time to apparently be coming up with excuses as to why they would not release my funds to be used in the account. 

It took me weeks to open the account, set up vendors, bill pay and establish all the normal business connections with this account, simply for them to freeze my account, and then close it on me for no good apparent reason.

Im looking to not only have this complaint go on record for their unprofessionalism, but would like to be compensated for my time, aggravation and effort that was not necessary due to their shortcomings and lack of professionalism.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Veem  Inc. ()

I had a terrible experience with the customer service and found the platform unreliable. I faced issues with every transaction : first, I couldn't send an invoice, and second, my money {$320.00} USD - XXXX XXXX, XXXX didn't reflect in the account despite it showing as completed and deposited. I communicated with XXXX via email, but her responses were unclear. Additionally, the advertised 24/7 support is misleading. Their chat kept saying that support is not available during weekend even when obviously its weekdays and their hotline is just bot.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (NC)

I submitted a dispute with Experian, XXXX, and XXXX on XX/XX/2023 about a few items they are inaccurately reporting on my credit report. I have disputed these accounts with the credit bureaus and directly with the creditors multiple times all of which was not properly investigated by the credit bureaus and the items remained on my credit report. 

The accounts that were recently disputed were : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All 3 credit bureaus are reporting different dates for the date the accounts were opened, the dates the accounts were last active and the dates of last payment. All of these dates are inaccurate. I am entitled to an 100 % accurate report. All 3 credit bureaus should be reporting the exact same information accurately.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX XXXX XXXX  ET to XXXX XXXX  ET : Attempts to login to Citizen Bank App on XXXX reported : " LOGIN FAILED Your account is inaccessible at this time. Please try again later. 
CANCEL '' I contacted a representative using Chat on the web interface. I performed the following troubleshooting tasks : - Installed/uninstalled/installed app - Reset password - Confirmed able to login on XXXX XXXX XXXX XXXX XXXXXXXX - Confirmed able to login on XXXX XXXX XXXX browser After 15+ minutes on chat and 18:00+ minutes on the phone I was finally connected to a manager who informed me that there was a known issue with the app, and I needed to try again later. A functional support organization could have easily posted a notice to the website that the app was down and informed their support personnel. Instead, I had to go through pointless troubleshooting and long waits to finally be informed correctly. The customer support for Citizens Bank is terrible. 

In addition, the computing infrastructure and app should not be down during normal banking hours.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

In XXXX Nationstar Mortgage company took over ( bought ) my Mortgage from XXXX XXXX XXXX. In XX/XX/XXXX they sent me a letter stating I did not have enough Flood insurance coverage to meet their requirements. I informed them that my agreement with XXXX XXXX XXXX stated I only needed XXXX % of unpaid balance. ( about {$57000.00}. worth of ins. needed ) They went and purchased Gap insurance without informing me. 
After numerous letters and phone calls with no resolution to the matter I had to get a lawyer involved. After receiving letter from lawyer proving they were at fault in the matter they cancelled the insurance and returned my money to escrow. Since that time they have done the same thing twice. Every three months I receive letter stating I do n't have enough insurance I have to go and fax papework ( which costs me money ). As of the writing of this letter they went and got me Gap insurance, taking the money out of my escrow account and raising my monthly payments. I have {$120000.00} worth of flood ins twice the amount needed. It is very stressful dealing with this company. If I speak to a representative I am told it was an error and will be taken care of. Nothing is done. Then I fax over letter from lawyer all mortgage agreement with XXXX XXXX XXXX and it is cancelled. This time after doing all the same nonsense they have not contacted me or cancelled the ins.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I have opened a new Bank of America business checking account through a promotion link in the special offers and deals section of my accounts dashboard ( when logged in ). Based on my notes, the promotion code in the application was automatically populated as XXXX. The terms of the offer were that I would receive {$1000.00} bonus when I open a new business checking account and complete the following requirements : - Make Qualifying Deposits of {$30000.00} or more in new money within 30 days of opening the new business checking account - Maintain an average balance of {$30000.00} or more for next 60 days ( day 31-90 ) during the maintenance period I've made the deposit of {$30000.00} on XX/XX/XXXX and have maintained this balance through XX/XX/XXXX. I have met the terms of the offer, but have not received the {$1000.00} bonus as advertised for meeting the requirements. 

On XX/XX/XXXX, Bank of America had indicated that the promotion code that was auto applied was expired and therefore not valid. The promotion code was auto-populated when I've applied for a new business checking account through the special offers section of my Bank of America dashboard XXXX I've attached a photo that shows the promotion on my desktop when opened as well as the date of XX/XX/XXXX. The invalid code auto-populating seems to be an issue with B of A IT and shouldn't be the customer 's problem as I've applied for a promotion through a valid link and have fulfilled all of the terms.
Consumer complaint received 2024-01-29
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: U.S. BANCORP (NJ)

On XX/XX/XXXX, XXXX XXXX, and ally financial ran my credit without my knowledge and permission and add an hard inquiry to my account On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account I bought a XXXX car on XX/XX/XXXX. I authorized XXXX consumer to run my credit this day
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I'm writing because too many have I reached out to the XXXX Credit Bureau XXXX XXXX, and TransUnion to be specific in regards to the inaccuracy of information being recorded and reported! 

So, I currently learning of these other databases that they all use! XXXX XXXXXXXX, XXXX AND XXXX THERE INFO IS NOT UPDATED, OLD AND THEY AREN'T CURRENT, PLUS, not really how they received updates. I'm simply applauded to see the lack of record keeping here from all XXXX here! So, when purchasing a car the XXXX databases are reporting outdated information, never current plus painting me in a bad negative light! 

I decided definitely to request a total wash-out of both hard and soft inquiries due to the unfair treatment of costing me a higher interest rate and principal, not to mention higher car payments, not to mention unable to save money! I'm super disappointed and disgusted in my founding! Especially, after XXXX cars in a roll. First, the XXXX XXXX XXXX now the XXXX XXXX XXXX, both XXXX they both should not be on the road. On the based of 15 USC 1861c and Section 623 and 609 XXXX XXXX  application XXXX dated XX/XX/XXXX XXXXXXXX XXXX ... and others