davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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. (AL)

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 USCC 1681. 
XXXX XX/XX/XXXX past due {$190.00} XXXX XXXX  {$1800.00} Balance {$180.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX past due {$200.00} XXXX XXXX {$300.00} Balance {$870.00} XXXXXXXX XXXX current XX/XX/XXXXXXXX XXXX XXXX  {$2500.00} Balance {$10.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX open and reported XX/XX/XXXX open Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX reported XX/XX/XXXX open balance {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXX reported XX/XX/XXXX open balance {$200.00} XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported XX/XX/XXXX open balance {$88.00} XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$3100.00} XXXX XX/XX/XXXX past due {$2200.00} high balance {$2200.00} account XXXX XXXX XX/XX/XXXX past due {$42.00} high balance {$250.00} balance {$210.00} XXXX. XXXX XX/XX/XXXX current high balance {$320.00} XXXX XX/XX/XXXX current {$0.00} XXXX XX/XX/XXXX current high balance {$980.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX reported XX/XX/XXXX closed balance {$1400.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section States : 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 2022-10-19
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
Consumer complaint received 2018-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi, I'm seeing hard credit inquiries from 'XXXX  ' on my Transunion from XX/XX/XXXX and XX/XX/XXXX ... and I'm not sure why.
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I called nationstar and advised them that I was XXXX XXXX XXXX due to XXXX and could n't afford the payment and asked could they refinance my loan and they said no. I then applied for a loan medication and nationstar advised they would review my application and get back to me. I would call for a status update and was told that they are still reviewing my loan modification application but would get back to me within a few months. Each time I called they would tell me the same thing. or they would n't return my calls. They finally advised me that they could not approve a loan modification for me because they previously gave me a loan modification. Well now I 'm behind and now about to be foreclosed on. Nationstar new from my very first call that they had previously given me a loan modification, if they would have told me in the beginning that do n't do more modifications instead of having me wait month after month.
Consumer complaint received 2023-11-09
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. (NC)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Consumer complaint received 2023-11-09
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. (NC)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

Please see attached document. 

I am opting out of Credit Reporting with Ally Financial.

Any negative remarks on any of my consumer reports should be promptly removed due to reporting to a third party being a direct violation of the Privacy Act of 1974, : The FCRA, 15 U.S. Code 1681b section 2, 15 U.S. Code 1666b, as well as 15 U.S. Code 6802.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

I am writing to seek assistance regarding an issue I have been experiencing with my PayPal account. XXXX XXXX  ago, I received a notification from PayPal stating, " After a review, we've decided to permanently limit your account due to potential risk. You will not be able to conduct any further business using PayPal. '' Since that time, I have been unable to access or retrieve my funds. 

Despite multiple attempts to contact PayPal customer support, I have only been informed that my account is under review and that I should wait for XXXX XXXX. The XXXX period has now passed, but my account remains blocked, and I still can not access my money. 

I am seeking your assistance to resolve this matter and to facilitate the return of my funds from PayPal. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2024-06-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (PA)

XX/XX/year>2024, I asked to get my loan rates lowered after being in 6 months of forbearance. At XXXX dollars a month at XXXX percent interest, the loan is impossible for someone like me to pay, and puts my cosigner at risk. Not to mention, my school told me it would be really easy for me to get a job outside of college. Their online portal hasn't helped at all, and despite applying to countless jobs as a video editor, my current trade, and several other jobs in the industry, I haven't picked up anything sustainable. I don't even make XXXX dollars a month, and I have to pay for my car, and have several expenses that i need to do my job in the first place that make this impossible.
Consumer complaint received 2022-10-19
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

To Whom It XXXX Concern, My name is XXXX XXXX XXXX XXXX and I'm a XXXX veteran, my wife and I are on a fixed limited income. I'm writing you to see what legal recourse I have with my current lender XXXX XXXX. I purchased my home located at XXXX XXXX XXXX XXXX XXXX WA XXXX on XX/XX/XXXX. My original mortgage amount was {$2800.00} per month and then I was notified in XX/XX/XXXX that my monthly payments were going to go up to {$3300.00} due to XXXX underwriting had made an error in calculating the property taxes and not having enough money in escrow, therefore my mortgage would be increased. I'm a! 00 % XXXX veteran and do not work, my wife and I are on a fixed income, and we planned the purchase of our home with a specific budget, and we can not afford to pay another {$490.00} extra per month. We were explained in XX/XX/XXXX that this increase would only be for one year and then go back to the original monthly payments, but we are now being told that the increase would be for the life of the loan. I need to understand what legal rights I have regarding this drastic increase due to their mistake. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
( XXXX  ) # XXXX ( XXXX XXXX # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

Barclays Bank jetblue credit card sent me a card with a new expiration date by mail since it was about to expire in XX/XX/XXXX. While I was waiting for my credit card in the mail, I received an email saying that my card was activated when Ive NEVER received the card and I DID NOT activated it. Someone stole it and used it and made a transaction for {$2600.00} in a car dealership in XXXX, over XXXX miles away from my house. 


IMMEDIATELY, I called Barclays JetBlue Credit card company to inform them of the theft. They removed the fraudulent amount from my credit card and sent me a new one with a new number. I thought that issue was taking care by the BARCLAYS BANK since it was a fraudulent transaction. 

Unfortunately, XX/XX/XXXX, Barclays Bank placed {$2600.00} back onto my credit card, when Ive NEVER authorized or validated it anyone for that purchase. I have never made that transaction neither did I got any benefits from that. 


XX/XX/XXXX, I got a letter from Barclays Bank letting me know that I was not responsible for that fraudulent transaction and removed the fraudulent activity from my credit card. 


HOWEVER, what makes me concerned about this letter is that last paragraph says that if the merchant is able to validate the transaction again, THE TRANSACTION MADE BY A THIEF WHO STOLE MY CREDIT CARD, Barclays Bank could place the fraudulent transaction of {$2600.00} back onto my credit card. REALLY!?! 


Barclays Bank still continuing with threats, harassment abuse and mistreatment towards me. 

I have never gone through a situation as stressful and traumatizing as what I am going through with Barclays Bank. 

If someone stole and used my credit card, Barclays Bank and the merchant will accept/ validate this transaction without asking for an identification, notifying me or verified me by email or text message if this transaction was made by me. Are Barclays Bank trying to hold me accountable in the future for a fraudulent charge that a thief/scams made with my credit card?. They need to remove this amount from my account definitely.
Consumer complaint received 2023-08-03
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. (FL)

I have asked the credit bureau to do a verification of everything on my credit report, they did and stated everything on my report is accurate. Afterword I verified and did my own research to make sure everything stated by all 3 credit reporting companies was accurate and correctly shown in all 3. I found inconsistencies and improper use of my information by all 3 credit bureau companies even after I requested that everything be accurately verified. in accordance with the Fair credit reporting act Convergent Account : # XXXX ( XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX # XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX ( XXXX XXXX ) # XXXX ( DEPT OF ED/XXXX  ) # XXXX ( XXXX XXXX ) have ALL 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 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I Deposited a check from New York State taxation department onto the mobile app with Chase bank on XXXX XXXX. Usually my funds are released to me immediately. I received an email saying my funds will not be available until XX/XX/2024 due to the financial institution. I call them to release my funds and they kept sending me to different representatives and saying that the check was pending and theres nothing they can do about it until XX/XX/2024. There is no reason why this check should be held for that long it is from New York State.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ray Skillman Westside Imports Inc (IN)

The car dealership XXXX  and Rayskillman are showing up as an inquiry on my credit report as I didn't authorize anyone to pull my report nor did I apply for any loans. I have contacted them on several occasions and no one has been of any assistance to have this removed.
Consumer complaint received 2021-01-09
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: PLANET HOME LENDING, LLC (MD)

Loan modification was initiated I believe XX/XX/XXXX. 
Correspondence between Planet Home Lending began in XX/XX/XXXX. My loan rep, XXXX XXXX, asked for personal information, paystubs etc. which was sent every time he requested something. A large quantity of documents were sent to the lender. 

Then in XX/XX/XXXX, Planet Home Lending demanded payment, or pre-foreclosure action. This happened in the middle of my modification process. I reached out to the Dept. of Veterans Affairs, XXXX XXXX, to find out what I should do and I can't remember if she contacted the mortgage provider but I was assigned a new contact with Planet Home Lending, XXXX XXXX. 
Further requests for information to qualify for modification started again and continued into XX/XX/XXXX, explanation of bank deposits etc. or more detailed requests. Again we complied. 

Foreclosure never happened and the Loan modification was granted, XX/XX/XXXX. 

Keep in mind, paying your mortgage has to stop to qualify for the modification, and dragging out the process was never my intention. We satisfied all the requirements! 

The problem : The credit report has an " F '' next to XXXX XXXX - XX/XX/XXXX, and if we never foreclosed, and I was in the process of modification, I believe it is an incorrect credit flag, and pre-foreclosure should not have been initiated. 

I know we qualified because we had already gone through the modification of 3 rental properties. 

Anyway, I want to refinance our house in Delaware and this " F '' is the problem. 

Is there anything that can be done?
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

A few months back I requested my credit report from XXXX, XXXX and Transunion. I found multiple discrepancies listed on my credit file after recalerts that my information was found on the XXXX XXXX  with these agencies. That included places that I have never lived incorrect spelling of my name and accounts that do not belong to me. The last four of my social security number being incorrect also. I went through the process of trying to have this information removed. I also submitted letters to them asking them to verify the information. They sent me the responses back may be about a week after submitting complaints to them stating that the information may be correct. I feel they didn't do a thorough investigation into the matter. I sent each copy certified return receipt. I still did not get any results because it cost {$8.00} each time you send return receipts and over time that gets expensive. XXXX charges {$24.00} for a credit file lock and that gets expensive also.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-10-19
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/year> I attempted to make a deposit at the ATM machine located at at the XXXX & XXXX at XXXX XXXX XXXX, XXXX, MA XXXX ( atn # XXXX ). The person in front of me had a problem with depositing a check but I thought ok I have cash so there shouldn't be a problem so I asked the representative to witness my deposit because the other ATM wasn't taking deposit either. I deposited {$500.00} and he saw me do so and the machine took a long time and then gave me a receipt stating " we encountered a problem returning your cash '' with no $ amount of the deposit slip. The representative proceeding to start a claim ( XXXX ) he also stated by the end of the night the machine will see that the it has an overage of {$500.00} and with the claim I should see the deposit the next day or so and that did not happen. On XX/XX/year> I called the claims department and they told me that he should not have said that because the claim may take up to XXXX. This is unacceptable on ALL level because it shouldn't take this long to see there was an overage on the machine. I then started to panic, if the machine had malfunction it could have also returned the money to the next person in line. In addition I had bills to pay, so the represented started a new claim ( XXXX ) in order to give me a credit for the amount of my deposit. It is now XX/XX/year> and there has been no resolution to this matter. I am really concerned about this matter, I should not had a temporary credit because they should have resolved this issue because by now. 

If in fact the machine took my money and there is proof of this, then I loose {$500.00}? If this is the case I will considering filing a complaint with a lawyer against the bank due to my my stress and anxiety. Even If I have to dish out more money for a lawyer, close my account and post this on social media so that everyone is aware that this bank robbed me my money!