davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

I am complaining a recent trend in foreign currency transactions to trick consumers into paying unfavorable exchange rates. Paypal is just an egregious example of what seems to be a common but recent practice. As a frequent foreign traveler/consumer I hadn't seen this phenomenon until recently. 

In terms of this particular example, on XX/XX/2021, Paypal used a misleading user interface to try to profit from an unfavorable exchange rate on a foreign currency transaction. 

When paying a charge of XXXX XXXX pounds, Paypal showed my wife and I a screen with the amount {$29.00} ( rate of XXXX dollars per pound and the button highlighted to proceed with the transaction. Somewhat buried in the screen was the option to " Change '' to have the currency conversion processed by my credit card company, which until recently was always the default. I am somewhat obsessive about these things, so I know that's a bad rate, but I suspect many consumers do not know they would get a better deal letting their credit card company handle the transaction. In any case, the charge came through on our XXXX Mastercard as {$27.00} ( rate of XXXX per pound ), which is more than a XX/XX/XXXX difference. 

I have seen similar practices with other vendors and ATMS, some of which may be outside CFPB 's jurisdiction, but some probably are, including Paypal. My wife thinks she has occasionally fallen for it as well. 

Please consider regulating this consumer-unfriendly practice. Thank you.
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Required the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$370.00}
Consumer complaint received 2021-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been disputing items with the three major credit bureaus : Transunion, XXXX, & XXXX  and they have not provided me with anything. I have been disputing negative items for months now and they have yet to send me a single letter stating they have received my disputes or that anything was done for that matter. I understand that with Covid there has been a slight delay but its been over 8 months now and I still haven't received anything?! If they could do their job they would know that there is a double reporting account on my credit that is seriously affecting me. This is a violation and it must be fixed and you have done nothing to help. These negative items need to be taken care of and removed.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For close to 6 months, I have been trying to have approximately {$780.00} ( frozen by Bank of America ) returned to my CA EDD Card. The funds were frozen due to rampant fraud & scammers stealing EDD un-employment money from personal accounts, here in CA. Unfortunately, my card was one of the cards that was hacked. 

I reported the hacking to BofA and had a replacement card issued, but my funds were not returned to my Debit Card. I have repeatedly addressed this with BofA Customer Service Dept 's & Fraud Dept 's on many, many, phone calls and talked to many, many different people, over the course of approx. ( 6 ) months. I'm repeatedly told to wait another week, however, I am still waiting ....

I would be happy to provide any additional information you may need. Just let me know. 

XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

I want to file a fraud transaction report that happens to me, I have become a fraud victim on our transaction with XXXX XXXX, XXXX, XXXX, Florida. - I pre-ordered five XXXX Bikes with total of {$15000.00} in XXXX XXXX. I did a wire transfer to XXXX XXXX Account two times, {$9000.00} in XXXX and {$6000.00} in XX/XX/XXXX. XXXX XXXX promised to deliver these five XXXX in mid-XXXX XXXX. However, until today ( XXXX of XX/XX/XXXX ), they have not delivered any of these bikes, or sent any refund to us. - I have tried to discuss with them since midXXXX XXXX, regarding our order and possibility of refund. However, they always make an excuse to us in regards the delivery, pick-up in store & refund, also I have a difficulty to contact them. - I have contacted our Bank, to help me to get the refund. However, they could not help me to reverse the wire transfer that has been made. I made three wire transfer with two different Bank. My first bank transfer was with XXXX XXXX, and my second & third transfer was with TransferWise. - Furthermore, I checked some review in XXXX, XXXX, XXXX, and XXXX about XXXX XXXX, I found there are some people that has a same issue likes me. Based on this information and our above-mentioned situation, I believe that XXXX XXXX has done a fraud transaction to us. - I have all the evidence to support my case, such as my wire-transfer, invoice and written communication with XXXX XXXX. I hope CFBP Team could help us to solve this issue, and prevent this issue happens again to our community. Thank you so much for your attention and further support. - Warmest Regards, XXXX XXXX XXXX
Consumer complaint received 2021-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

This ridiculous. I submit one complaint and your respond to it with something that doesn't have to do with the complaint I sent you. I submit another complaint to address the first one and the response that made no sense, but you shut my complaint down say you need my authorization. I call in and the rep had no clue how to help me. This is straight up illegal. I sent a letter disputing inaccurate items on my report on XX/XX/XXXX and still no response. i send another letter on XX/XX/XXXX demand that status of the results still no response. 
you have everything you need. in my first letter i sent a notarized letter with the dispute as well as my identification. If this can not be resolve i will report to XXXX  and FTC
Consumer complaint received 2021-03-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I responded to an online offer from Citibank for a {$700.00} bonus for opening new checking/savings accounts. The offer required me to open a new Savings account and a new checking account, deposit {$50000.00} within 30 days and maintain said balance - over both accounts - for at least 60 days after that. I had to apply for the offer online only, and I did so from the correct page. I opened both accounts with an initial deposit ( each ) of {$25.00} on Saturday, XX/XX/XXXX, and these accounts appeared in my online profile on Monday, XX/XX/XXXX. On that day I transferred {$50000.00} into the XXXX account, and that money appeared in the account on XX/XX/XXXX. From XX/XX/XXXX onwards, I therefore had to maintain that balance for 60 days at least to qualify for the {$700.00} bonus. Around XX/XX/XXXX - well after the 60 days - I rang Citibank to see when the {$700.00} would be credited to my account, and I was specifically told that yes, I had satisfied all of the conditions for the offer, and that the {$700.00} would be credited by XX/XX/XXXX. On XX/XX/XXXX, the {$700.00} has still not appeared, so I called Citibank again, and was told by " XXXX '' - who confirmed this with a " personal banker '' that the {$700.00} would be added to my account " today ''. On XX/XX/XXXX the {$700.00} still had not appeared, so I rang Citibank again and spoke at great length with " XXXX '', who also then spoke with a " personal banker '' on my behalf. At first XXXX said that they couldn't find the " promotion code '' that should have applied to this offer, but when I asked why this had been confirmed as being satisfied by TWO previous Citibank representatives, he said he would " check again '' and - having done so - did indeed see that the promotion code was there. He then said he would file a " request '' for an investigation on why this offer had not been honored by Citibank. That request has the following ticket number : XXXX. He told me it would be another " 5 business days '' before that request would be addressed. I 100 % satisfied every single requirement of this offer, and Citibank has had my {$50000.00} for 155 days now. I have earned a total of {$19.00} interest on this money, and only did this to try to get the {$700.00} bonus. It seems Citibank is trying to cheat me out of this after I have diligently satisfied all conditions and trusted them with my money. They have made a great deal more than this {$700.00} on MY money during this time, and it is frankly criminal that they can get away with this flagrant abuse of a faithful customer. I have my internet browsing records from early XXXX, XXXX, and can prove that what I was is true ( see attached ). All of the above information can be easily verified - and has been - by Citibank, but still the offer has not been honored.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (CA)

Approxiamately on XX/XX/, I was in the process of purchasing a car from Carvana. I was still inputting information into their system and during that process they kept asking for income verification which I sent several times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I explained to them that I don't use checks and sent them my bank statements. They said that they were having a problem veriying the information. The car purchase was requiring a {$1800.00} down payment that was supposed to be delivered once I had the final approval of the purchase. These folks decided to pull the money from my account while trying to still verify my income and the agent then told me that it was difficult to verify but they took the {$1800.00} from my XXXX XXXX XXXX account without having approved the transaction. It was so stressful that when my phone alerted me that they had taken the funds without me getting the car. It made me upset and told them to cancel the transaction the same day. I asked them why they even took the money before I was given the final approval and I got no response so they said they would cancel the transaction and ensure that I got my money by Monday or Tuesday. That never happened. I am filing this complaint to ask that they not be allowed to take money from anyones account without a confirmed approval of the loan for their vehicles. It is an imconvience for anyone once they take it out and then have to return the funds even when there is no deal. I think they shoudl ensure that the purchaser has a written and verified confirmation of the acceptance of the terms and fudning of the transaction.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have2 resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I have been disputing items with the three major credit bureaus : XXXX, Equifax, & XXXX and they have not provided me with anything. I have been disputing negative items for months now and they have yet to send me a single letter stating they have received my disputes or that anything was done for that matter. I understand that with Covid there has been a slight delay but its been over 8 months now and I still haven't received anything?! If they could do their job they would know that there is a double reporting account on my credit that is seriously affecting me. This is a violation and it must be fixed and you have done nothing to help. These negative items need to be taken care of and removed.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

APPLE CARD ISSUED BY GOLDMAN SACHS BANK USA IS NOT IN COMPLIANCE BY LAW IN APPROVING AN APPLICATION FOR THE TRUE CARDHOLDER. IVE BEEN TRYING TO GET APPROVED FOR THE APPLE CARD FOR A WHOLE YEAR AND EVERYTIME I APPLY I GET DENIED EMAIL SAYING I WAS DENIED BECAUSE THEY CANT VERIFY MY IDENTITY. 
WHICH IS NOT TRUE DURING THE PROCESS THEY ASK TO UPLOAD MY DRIVER LICENSE WHICH SAY SUBMITTED SUCESSFUL. THAN 10 MINUTES LATER I RECIEVED AN TEXT ON MY PHONE ASKED DID I APPLY FOR THE APPLE CARD I TEXTED BACK YES THAN SAY APPLICATION IS PENDING. 
NEXT DAY I RECIEVED AN UPDATE ON APPLICATION THAT IT WAS DENIED SOLEY THEY CANT VERIFY MY IDENTITY WHEN I ALREADY SUBMITTED VALID DRIVER LICENSE WITH SAME ADDRESS ON DRIVER LICENSE ALSO THEY PULLED A SOFT XXXX  PULL WHICH HAS SAME INFO I HAVE GOOD CREDIT AND THERES NO REASON FOR AN DENIAL WHEN I AM THE TRUE APPLICANT APPLYING. THERES AN ERROR SOMEONE WHERE IN THEIR SYSTEM THAT KEEPS DENYING MY APPLICATION FOR CREDIT WHICH IS UNFAIR I SHOULD HAVE SAME RIGHTS TO APPLY FOR CREDIT AS ANYONE ELSE WHO GET APPROVED. 

ALSO REVIEWING ONLINE REVIEWS FROM PAST CARDHOLDERS OF APPLE SAYS WHEN DOING THEIR APPLICATION ON PHONE THEY GOT AN INSTANT APPROVAL WITHOUT ASKING FOR AN ID AND MOST COMPLAINTS PEOPLE HAVING TROUBLE GETTING APPROVED FOR CREDIT AFTER UPLOADING ID SAYING CANT VERIFY IDENTITY. 

ENCLOSED IN ATTACHMENTS OF DRIVER LICENSE FRONT AND BACK, SOCIAL SECURITY NUMBER FRONT AND BACK, UTILITY BILL IS TO PROVE MY IDENTITY AND ASK THIS APPLICATION BE MANIUAL APPROVED. 

I WILL BE SEEKING AN ATTORNEY TO ASSIST ME IN SUEING APPLE FOR DENYING ME FOR CREDIT FOR AN WHO YEAR WHEN I PROVEN MY IDENTITY IN UPLOADING MY DRIVER LICENSE AS REQUESTED BY APPLE WILL SUE IF THIS COMPLAINT IS NOT RESOLVED IN MY FAVOR BY XX/XX/2021
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Fidelity National Financial, Inc (CO)

We recently bid on a foreclosed property on XXXX and won the auction. Upon completion we received information from XXXX to wire the earnest money to Service Link Title company. We did so on XX/XX/2021. A few days later we received notification the the title company handling the closing had changed to XXXX. This company sent us a different Title company ( vender ) to wire the earnest money to. XXXX sent an email stating that Service Link would be rejecting our wire transfer over a week and a half ago. I contacted Service Link on Thursday XX/XX/XXXX and they stated the funds were sent and would take a couple of days to process. They have been in possession of our funds for a month and have made no attempt to return them. We are past due for sending the earnest money to the corrected title company and Service Link is holding up the closing process for our new home. XXXX has all of the details regarding this transaction.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

It has been 3-4 months since my American Express membership reward account being put on review. Whenever I tried to use my reward account, I would received this notice below : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I tried to contact customer services multiple time on : 1 ) why it was reviewed? 2 ) when the review is expected to be completed? 3 ) when can I use my Amex reward point balances again? However, customer service can not provide any update nor give me any info on what I can do to help with the review process.

Ive been a long time American Express customer, and normally pay all my balances on time and maintain a good standing with the company, so I am not sure why I got put on review for so long. Further, there are no transparency in this review process, so I would like to get help to get a response from the Company.
Consumer complaint received 2023-05-11
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. (CA)

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

XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX - XXXX  XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.