davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (IL)

I am writing to the third party because XXXXXXXX XXXX XXXX can not be reached but you all are facing multiple violations. 

To Whomsoever it May Concern ; This is about the Consumer credit Transaction initiated on with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.

In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, Equifax & XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, Equifax, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization named XXXX, Equifax, and XXXX is affiliated, it has still violated the provisions of FCRA. PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control.

Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my Consumer Report ; ALL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter
Consumer complaint received 2024-06-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NC)

I opened a credit card account with Citibank on XX/XX/year> and saw that they had a savings account with good rates, so I signed up for the savings account as well. I created my account and a security word and received access to the credit card account. I then transferred {$5100.00} from XXXX XXXX XXXX XXXX account into the new Citibank savings account, which took place in a matter of minutes. The following day, I received notice that I needed to call Citibank because there was an issue with the card. 

When I called Citibank, I was asked multiple questions to verify my account. I didn't have an ATM card yet ( since I just opened the savings account ) so I couldn't provide the ATM PIN number they requested. They asked for my security word, which I gave, and they said it was incorrect. They asked to verify my account by using my phone number, which I gave, and they said that they could not verify that phone number, even though it's the one on the account. I was transferred a couple of times to a supervisor, who asked for another phone number or multiple credit cards to verify my account. They later said they could not verify it and to call back when I received the card. 

After this experience, I decided to close the savings account I opened with them because I did not like their customer service. I called back and went through the same hassle, was sent to a few different people who repeated the same instructions. I finally was transferred to a supervisor, who was able to verify my account by sending me a text to the same phone number I provided the day before, only to tell me that they couldn't close my account until the deposit cleared. They told me to call back. 

On XX/XX/year>, I saw that the deposit had cleared, so I tried to transfer my {$5100.00} back to my original credit union account, which was already linked to the Citibank account. I received an error message saying that my account was blocked and to call Citibank. When I called, I went through the same hassle, and asked for a supervisor who could send a text to my phone to verify my account. I was told that they could not do that. I informed them that I was able to do this the previous day, and they finally connected me to a supervisor, who told me that they could not verify my phone number and asked for a different phone number. I asked why my account was blocked and they told me that my account was flagged for fraud and they needed to send me a letter from the fraud department with a case file number. I was instructed to call back when I received the letter and they would be able to unlock my savings account.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On ( XX/XX/2022 XXXX XXXX XXXX ACCOUNT # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ACCOUNT # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately. 

There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. In accordance with the Fair Credit Reporting Act XXXX 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 I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in a paragraph the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1668B : 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 2021-06-19
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. (CA)

There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with XXXX, XXXX, and Transunion and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and XXXX  me since I was a victim of domestic violence as well as identity theft. 

The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX  XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX XXXX and XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and XXXX
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (KY)

My benefits were deposited to direct Express and they put my money on hold saying I got verify who I am, why I don't know this has costed me late fees my utilities shut off and numerous other problems.i sent everything they said over and over yet they still say do it again.i said I just sent it all again yesterday and social security did to they said yesterday isn't today do it again these people need to be put in jail and starved.they hsve no compassion for anyone and are trying to steal my money
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

We have a manufacturer waiting for a money to be transferred so they can continue the process to manufacture our merchandize. On XX/XX/2023, in a Wells Fargo sucursal sited on XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX we transferred {$10000.00}. 

We open a case here on XX/XX/2023 with case number : XXXX The case was closed but we never receive the money neither the recipient, and we never get a real answer about why the transaction was not executed and all this time the money has been on the cloud, not in our hands and not in the manufacturer hands, we have to pay interest for the money as it was from the line of credit from the same bank account but during all this time money was not actually in use by us, was complete lost. 

We have no other alternative to send the money again and we have no guarantee it will happen again as we were not informed what the issue was so we can't remediate it. 

The Wells Fargo company, after many calls hasn't been able to provide at least a reason for this situation blaming the bank they are using for the transaction, XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

{$79.00} was charged to my Bank of America Mastercard on XXXX. I called BOA while the charge was still pending to alert them of the fraud, but they let the charge go through and denied my claim after investigating.
Consumer complaint received 2021-06-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (IL)

My mortgage was fully paid off, but Freedom Mortgage withdrew an additional mortgage payment from me after the mortgage was paid off. I have sent a secure message and have no response at all after allowing ample time for a response. This amount I could have invested and I believe there should be a penalty or.interest paid on the amount that was incorrectly withdrew. Freedom Mortgage has acted in negligence.
Consumer complaint received 2021-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dividend Finance Inc. (CA)

I had chosen to use Dividend Finance because it was easy for my remodeling contractor to manage his risk and because it seemed to suit my needs. The contractor did tell me that the interest rate was 9.99 % APR. Upon approval of financing, I received absolutely nothing from Dividend Finance describing the terms of this loan. 

I completed a welcome call with Dividend on XXXX XXXX. This call was completely devoid of useful information. On XXXX XXXX I received two letters from Dividend, each dated XXXX XXXX. Neither letter referenced a full account number. On XXXX XXXX, I typed the website noted into the letter into my browser. I opened an on-line account for me ( XXXX XXXX ) and one for my wife ( XXXX XXXX ). It was at this time that I finally obtained the full account numbers for the two loans : XXXX for XXXX in the amount of {$9600.00} and XXXX for XXXX in the amount of {$44000.00}. Both of these amounts were the agreed prices of the work done on my house. 

Since I had recently closed on a HELOC, my plan was to pay the principal balances of both loans in full immediately. It was at that time I discovered that Dividend Finance charged me {$450.00} interest on account XXXX, and {$60.00} interest on account XXXX. Given the date of the letter, I must surmise that the loan period began on XXXX XXXX. That must interest does not accrue on those amounts at 9.99 % interest in 10 days. I attempted to contact Dividend that day, but no one answered the customer service line at XXXX. I also paid the principal balances in full on both accounts on XXXX XXXX, which Dividend has acknowledged. 

I contacted Dividend again during the morning of XXXX XXXX and demanded an accountability of the terms and forgiveness of the debt, The customer service agent stated that interest began accruing when they paid my contractor, but neglected to say when that was, except that it was " about a month ago ''. Perceiving that the customer service was not empowered to make a decision of any kind, I asked to speak to his supervisor. He put on an extended hold, and then told me that a manager would call me later to resolve this issue. No manager ever called.
Consumer complaint received 2017-02-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (PA)

from Apartment -XXXX On the XXXX, I moved out because of unstayable conditions, bugs and dirty carpet.. 
When I moved in, they did not clean. The dirty carpet, molds, bugs.. 
I reported these problems to the manager, however they did not do anything about my complaints and I notified them and I moved out. 
They did not return my deposits, yet.
Consumer complaint received 2021-03-11
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

The account should be removed from report because it was opened in 2013. It's been past 7 years. The account has also been paid. The account is hindering me from obtaining housing, which is causing so much distress to my family. Please remove from all 3 credit bureaus.
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (CA)

We received a letter purportedly from Bank of the West dated XX/XX/XXXX stating that they needed to update our information or they would close our account on XX/XX/XXXX. We believed the letter to be fraudulent because it was clearly a copy and had no signature line -- it did not look like other letters we had received from the bank in the past. Also, it said the bank had made " multiple attempts to contact '' us and we knew that was not true. On XX/XX/XXXX my husband went to our local branch ( XXXX XXXX ) with the letter and asked to speak to a manager. He spoke to one XXXX XXXX who made a phone call and then said the letter was legitimate. He confirmed my husband 's information and said he would need to speak to me personally to confirm mine, but that it could be done on the phone. The same day Mr. XXXX and I spoke by phone ; we updated my contact information, which was indeed out of date ( but my husband 's was NOT out of date ), and I gave him my CA driver 's license number and expiration date. He told us we were all set. On XX/XX/XXXX my husband went to the branch to deposit his paycheck, and was told he did not have an account there. He asked to speak the manager, who said he didn't know what had happened, but that our accounts had been closed. Our checking account there is used for all of our automatic payments, my automatic paycheck deposit, and has one check outstanding ( # XXXX written on XX/XX/XXXX ). That same day I phoned the number on the letter we had thought was fraudulent, asking to speak with XXXX XXXX ( XXXX ). He said our account closure had been initiated by the bank branch. He said a check for our funds was sent out. We asked how it was sent out, and he said because of the amount ( around {$250000.00}, our live savings ), it would " probably '' be sent by XXXX not by regular mail. Except we are not at our address, we are at my mother 's house, staying for an extended period. We asked what the tracking number was, they didn't know. We asked if a signature was required, they didn't know. We asked if ANYBODY could just sign for it or if ID would be required, they didn't know. They said they would get back to us on it and did not.
Consumer complaint received 2021-06-20
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: EQUIFAX, INC. (IN)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-08-06
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)

I recently reviewed my credit reports and noticed some accounts that was not reporting accurately. I had late payments on accounts..that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, these account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates for the credit card ( XXXX  XXXX XXXX XXXX dated for XX/XX/XXXX ) and for ( XXXX XXXX XXXX XXXX dated for XX/XX/XXXX ) I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CT)

Affirm issue me an installed loan in the amount of {$3200.00} for purchase of an item from a third-party using their Affirm virtual card product.

The merchant from whom the purchase was made is XXXX, an online seller marketplace. 

I ended up returning the purchase and was issued a full refund to my Affirm virtual card by the merchant, XXXX which they confirmed had been settled by their payment processor, XXXX on XX/XX/XXXX. Additionally, XXXX has provided a trace ID number from XXXX substantiating that the refund was settled successfully. 

In other words, Affirm received a refund in full for this purchase with the money posting to their account on XX/XX/XXXX. 

To date ( XX/XX/XXXX ) I have yet to have that refund applied to my Affirm card and/or account. The loan is still active, still being charged interest, and I have been unable to resolve this in a timely manner.

I have contacted Affirm at least three separate times on this issue. They placed the loan in dispute and have claimed to reach out to their payment processor. My loan continues to be marked as delinquent and Im unsure if they will mark it as such on my credit report.

Additionally, Affirm relays deceptive and misleading information regarding returns on their website. They claim fairly standard 3-5 business days for a return to process on their website and any published articles and materials, yet through their online automated prompts and service representatives claims a much longer 3-45 days. This is wholly and entirely deceptive.
Consumer complaint received 2021-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have directly attempted to resolve this matter directly with this company, however they have continued to ignore my correspondence while they violate federal laws. LVNV Funding has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.