davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I purchased an XXXX puppy from XXXX for $ XXXX that includes the puppy and plane transport it was same day delivery to which did not happen. I got email from XXXX that I need to pay {$1500.00} for pet insurance which I did through XXXX since it was the only payment they accept after a few hours they asked to rent a special crate for my puppy for the flight to which I had to pay {$700.00} to which I gave. I kept calling and asking where the puppy was they kept delaying, called the next morning which was XXXX XXXX and they said they could not deliver the puppy because I did not pay the other half for the crate to which they agreed I did not have to pay. They wont deliver my dog or answer my calls and I asked them to cancel the delivery due to suspicions and they will not answer my calls, texts and emails and wont not give me my money back. I called my chase bank after finding out and see if they can do anything about it and they said theres nothing they can do.
Consumer complaint received 2023-01-03
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. (PA)

I checked my credit report and seen that there were a few inquiries on my report that i did not make which are all listed below ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity theft around XXXX XXXX XXXX I have been having issues with my credit for years. Moreover, most issues are resolved however some not. I have contacted the Credit Bureaus to ask them to investigate these collections/debts it is no knowledge, not mine. I dont hear anything from them but see its updated on file, I respond again because I not only see its from a residence Ive never resided, I see its an open account, which is impossible because I currently have same provider and have had same provider for at least a decade. I write the credit bureaus asking them to validate, again no validation or proof bearing legality. I have not been contacted by phone, by mail, by anything. My information has been the same for at least a decade. I even had a few credit cards, now paid off they have listed as charged off, which is inaccurate. I called these companies and they all say I should be contacting the credit bureaus. Its more confusing because all 3 major credit bureaus have conflicting information. I send them a photo copy of my valid current ID, a utility bill and my phone number asking them to PLEASE remove all the other listed wrong names and/or addresses on my profile, which were never mine, they never did that! I tried to contact the debt collector myself theyre so rude, they want all my personal information but if they rightfully have this or this was valid they would have that. Please help. I dont know what else to do! I dont know much about the FCRA laws, but since my identity was stolen and working to get it back on track, I know this is wrong. I know the way some of these collections agencies are wrong. Validate the debt. Credit bureaus do your due diligence if its not validated, remove it from profiles. Thank you.
Consumer complaint received 2022-11-29
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. (MO)

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 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, ( UNKOWN ) : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (GA)

This past year I applied and was approved for a mortgage loan XX/XX/2022. After being approved and almost immediately after closing on our new home, I have been inundated with spam phone calls and credit offers. Just yesterday I received 15 spam calls in a less than 3 hour period. It's getting disruptive to my work and distracting in my driving. I'm guessing most likely it was the credit reporting agencies shared and or sold my information after being approved for my mortgage. Sharing my information was never disclosed to me for me to agree to.
Consumer complaint received 2016-10-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Nationstar Mortgage continuously applies my additional " principal only payment '' as a standard payment and deducts taxes and escrow payments from it. This has happened 4 times in the last 6 months. This requires me to login into my account twice each month ( once to pay and once to verify the payment was applied correctly ). It is an enormous waste of my time to have to verify they are doing their job correctly.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (LA)

Venmo is the sickest company you can possibly use for any kind of currency!! We are a family that has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX at XXXX XXXX Venmo froze our account with over {$5000.00} in it. This money is to get us to the next stage in the XXXX XXXX XXXX We have called these heartless people over every other day and have sent in XXXX emails. The furthest we get is getting someone on the phone after XXXX XXXX a XXXX times just for them to sit there and lie to us. Everyone we have ever talked too knows XXXX well this account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every email we have sent has explained that. And every person we have talked too has said they were going to EXPEDITE the account. Which is a XXXX lie. They tell us that to unfreeze our account it has to be from higher up and theres no way of communication besides email.. THEY HAVE NEVER EMAILED US BACK ONCE!!! These are the sickest people i have ever done business with. And i well let them know that whoever comes across this account and does not take action for us well XXXX day face some serious carmic debt. It just down right disgusting. MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WE NEED OUR MONEY FROM THESE SICK PEOPLE!! Every thing about the account shows it is for my little girl! They also told us the account hasnt been hacked because his computer screen would look different but cant tell us what happened to our account! Disgusting! We need this resolved asap please!!! We are begging you to help!!!
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2016-11-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

NationStar Mortgage Company claims that I missed a payment in XX/XX/XXXX. I called NationStar on XX/XX/XXXX at XXXX and spoke to a lady by the name of XXXX. I asked her to tell me what month and year was this supposed missed payment. She told me it was the XXXX XXXX payment that was not paid. I said if I could prove that it was paid, would I be reimbursed for all the late fees? She assured me that I would be. I have proof of all my payments including the one that they claim was not paid. I mailed the proof to NationStar XX/XX/XXXX. They have never acknowledged that I have provided the proof of payment. Every month they accuse me of being behind in my payment by one month on my mortgage bill. They also add late fees and ask for the missing payment which I do not owe. They are ruining my credit rating.
Consumer complaint received 2023-05-24
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. (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and Consumer Credit Plan as late for any purpose.
Consumer complaint received 2017-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On  XXXX   XXXX ,   XXXX   I made two deposits to my business checking account at Bank of America  in   XXXX  Wa (  XXXX   XXXX   XXXX   XXXX   XXXX  Wa  XXXX   ) . Per usual, I was given a receipt for the deposits.     When reconciling my accountants later I noticed that   one deposit cleared but the deposit second deposit for {$11000.00} did not clear.
The next day I went into that same branch. The manager looked up the deposit. He verified that it was received and could track it several points in there system in that branch. He said he would send the information on to his " back office '' and they would work on it. I asked that they call me to update me daily. I did get one call a few days later to say they still had not found the   deposit. On  XXXX   XXXX , I did get a call back from an individual from Bank of America. She told me she worked hard on the issue for half of a day but could not find the deposit. I asked for them to credit my account and she told me that would not happen.     I have called and spoken with several people at Bank of America and still do not have the funds in my accoun t. Two differ ent individuals told me there was nothing they could do. They had no response when I stated the facts- I gave them the deposit, they gave me a receipt, they appear to have lost it on their watch- it should not be my problem.     I have called again today,  XXXX   XXXX , there is still no progress on the issue and I am still missing the {$11000.00} that I deposited.
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've written two letters to TransUnion about reporting the incorrect information for my account with XXXXXXXX XXXX  There have been a lot of discrepancies of what they're reporting and what the other bureaus are reporting which is a violation to FCRA requirement as they all should be reporting the same thing. TransUnion has not removed the account from my report.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

On Wed, XX/XX/XXXX I used the Buy it Now option on XXXX to purchase a {$12000.00} XXXX XXXX. I was skeptical of the listing but decided to take the chance thanks to XXXX XXXX  XXXX XXXX XXXX and my use of Paypal as a safe transfer method in the past. 
XXXX instructed me to reach out to the seller, username : XXXX, name : XXXX XXXX, email : XXXX, through their messaging service rather than allowing me to pay through XXXX. We agreed on payment through Paypal. In order to send the funds I needed to move money from my XXXX XXXX  account into Paypal. I then received an invoice on Paypal and sent the payment of {$13000.00} on XXXX, XX/XX/XXXX. 
Over the next several days I attempted to contact the other party however he did not respond. I requested for XXXX to step in, however they instructed me to reach out to my payment method. I then took the initiative to dispute the transaction through PayPal but was denied based on their policy regarding vehicles. I also went to XXXX XXXX  but since I had technically authorized the transaction, I was not allowed a refund based on their policy. 

I am appalled by the lack of concern and policy structure regarding an obvious case of fraud. I have filed a report with the Federal Trade Commission as well. I have documented the events in the images below.
Consumer complaint received 2024-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (AR)

I am writing to file this complaint to the CFPB because upon review of my consumer reports, I noticed a collection account was furnished on my report. I was not given any information regarding the alleged debt, I was not given any legal disclosures, nor was I given the opportunity to dispute the alleged debt. I reason to believe this company maybe reporting someone's private medical information which could be a violation under 5 USC 552a of The Privacy Act of 1974.
Consumer complaint received 2023-03-14
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. (IL)

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

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 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 2016-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have signed the auction agreement with the lender and they promised the will help to short sale. However, it look like they just want to foreclose my house. I have been complying with their request. The lender forced me to sign all the letter and agreement to list the house with XXXX to avoid foreclosure but end of nobody auctioned the house with their ridiculos price. Then they came back and said the current buyer must counter with higher number. But they cant and lender told us they will foreclose our house. It look like they never respect what they request and help consumer. They discriminated my hardship and being ridiculous on selling price
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ANY ACTUAL DAMAGES SUFFERED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}, ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ; I DEMAND {$1000.00} PER VIOLATION OR ACCOUNT REMOVAL!
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I had a car lease with AMERICAN HONDA FINANCE Creditor Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX DE, XXXX Creditor Phone XXXX - before the lease ended i went to my dealer to get another car - meanwhile I paid all payments on the old car- I did not miss any - dont know what this companies issue they reported the last payment was not paid when it was- I called them to ask them to correct this issue, they asked me to provide proof of payment, I told them that the law is you have to provide evidence before you report a late payment- you reported check your records, they said it's not their problem. by now I have provided them this bank record but they said I have to send this in to the 3 credit bureaus. this is not how this woks they mass up and I have to fix it. And meanwhile I loos thousands of dollars because of my incorrect credit drop, this is not the first time I have this issue with this company, this is at-least the third time, and they don't care about their customer and the law.
Consumer complaint received 2023-03-14
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)

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MOHELA (NY)

My federal student loan was in my credit report owned by the us department of education for XXXX and was in good sranding the loan was then transferred to mohela for the same purpose student loan thaf is still in good standing. My credit score dropped XXXX points because my loan was on my report then went off and was put back on what is the reasoning for this
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance of the Federal Credit Reporting Act this creditor 's has violated my rights. 
Under 15 USC 1681 SECTION 602 state 's I have a right to privacy. and under 15 USC 1681 section 604a section 2 state 's that a consumer reporting agency can not furnish an account without my written instruction 's.

Under 15 USC 1666b state 's. A creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose.