davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Dear CFPB, I'm writing out of desperation. 

I'm a Bank XXXX XXXX customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird thaXXXX XXXX XXXX  XXXX didn't notify immediately but instead waited 1.5 so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called XXXX and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a 727 to a 620. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a 620 score, I won't qualify for housing and am looking at the possibility of being XXXX. I'm trying to rectify this situation and would appreciate your help. XXXX XXXX XXXX needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect XXXX is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and XXXX 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold XXXX XXXX XXXXXXXX accountable. 

XXXX
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MD)

XX/XX/2024 At about XXXX XXXX and lasted till just about XXXX XXXX. I woke up Sunday morning to a bunch of texts from PayPal asking for my pin code to log in. My email was full of transactions. I logged into my PayPal account and saw that there was over {$10000.00} missing. I immediately noticed the transactions that varied from {$4.00} up to {$2200.00} with multiple transactions for {$89.00} and {$890.00}. I then proceeded to change my password and transferred the rest of my money to a savings account. I opened a fraud case online and waited till XXXX XXXX  when their offices opened to speak with someone. They looked through my account and saw the charges and told me it would take 24 to 48 hours for an investigation. Not even 3 hours later I received an email stating that the charges were consistent with my spending habits. CONSISTANT? I have never in my life spent that kind of cash in a single day not to mention in XXXX and a half hours time. They refused to help and told me to pound sand as they were not returning my money. I asked to speak to a supervisor and was treated like I didn't matter. No empathy at all. Because I had used that site before it was consistent. 
I have filed a police report with the XXXX County Sheriffs Office Please help.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX of 2022 I applied for a chase freedom student credit card and was denied. I requested for the company to review the decision and the application and was still denied. I, the consumer and natural person made the application in good faith, but credit was not applied. On XX/XX/XXXX I received an adverse action letter stating the reasons for denial. The reasons stated for denial were based off of inaccurate information that was reported on my consumer report and has been deleted and removed. On XX/XX/XXXX I sent a response to the adverse action letter to the companies headquarters stating the violations of federal law that has been committed against me, the consumer. I followed up with a CFPB complaint to ensure this matter gets handled with maxim efficiency and urgency.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America allowed some thief to transfer all my funds out of my account with a 3rd party checking account that doesn't have my name on it. I filed a police report and would like you guys to work hand and hand with law enforcement to get my funds back please.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good afternoon, I am showing a new address that has never been associated with me. The address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Fl. XXXX. Also the following phone numbers have never been associated to me : XXXX XXXX XXXX XXXX I am afraid someone is using my name or SS and might open accounts under my name. I am checking my report now.
Consumer complaint received 2022-11-26
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. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX has Violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Old information on my credit report XXXX XXXXXXXX is still report is supposed to be removed this XXXX it is still appearing on my report. Same iss for XXXX XXXX XXXX XXXX it still shows on my credit report.
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

Pursuant to the Federal Truth in Lending Act, 15 U.S.C. 1635, 12 CFR 226.23 and California Civil Code 1689. Westlake Financial was notified on XX/XX/2022 of my rescission of the credit consumer transaction entered on XX/XX/2022. I have never received any material disclosures informing me of my right to rescind under this subchapter. Per this subchapter, I am no longer liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void. This is the 1st instance of Westlake Financial violating my rights as a consumer. Westlake Financial has not provided the proper remedy to reflect the termination of any security interest created under the transaction in the allotted time of 20 days. As further evidence of the fraudulent contract that was entered with Westlake Financial, take notice to 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Westlake Financial has not provided clear and conspicuous disclosures to me, nor have I signed such material disclosures that would allow my personal information to be shared. This is the second instance of Westlake Financial not providing me with the proper material disclosures in connection with this credit consumer transaction. This negligence is not only unlawful but a clear violation of rights as a consumer have become highly injurious to her credit rating. Take Notice to 15 U.S.C. 1605 - Determination of finance charge. The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly to whom the credit is extended and imposed directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I paid a cash down payment in the amount of {$750.00}. This cash down payment being comprised with a consumer credit transaction that has a finance charge is unlawful and fraudulent behavior on behalf of Westlake Financial. This is the third instance Westlake Financial has violated my rights.
Consumer complaint received 2022-10-24
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NY)

Please take into consideration my delayed payments during the pandemic period. I was unable to pay on time as I was without work during that time. I earnestly request your understanding and request to settle this matter.
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc. (OR)

I had a family emergency a couple months ago and I needed to get some money pretty fast. I applied for a loan but couldnt receive XXXX as I didnt have a co-signer. The company never gave me any money but still charged me for a loan I never received. I was able to find a company near me when I applied for it. But now I cant find XXXX at all, and XXXX cant get ahold of the company regarding this issue. Ive called multiple times, emailed, tried to contact XXXX to see what my options are and I still have not found a solution. I dont and will not pay for a loan I never received. Its wrong and unfair.
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I am a victim of Identity Theft. The account XXXX listed on my consumer credit reports in the amount of {$98.00} is fraudulent and is a result of Identity Theft. This account has no association to me as I never had a XXXX  account and this is a direct result of Identity Theft. Furthermore, Enhanced Resource Centers ( ERC ) has failed to verify the debt and follow the debt collection policies under the Federal Law Fair Debt Collection Practices Act ( FDCPA ). This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the Fair Credit Reporting Act ( FCRA ) and the Federal Law Fair Debt Collection Practices Act ( FDCPA ), Enhanced Resource Centers ( ERC ), you are required by State and Federal laws to cease all debt collection, and remove this fraudulent account from my consumer credit report. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2023-05-05
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. (MD)

In accordance with the Fair Credit Reporting Act, CXXXX XXXX XXXX  on accounts XXXX, has violated my rights. 


15 U.S.C 1681 Sec. 602 A. states that I have a right to privacy.

15 U.S.C 1681 Sec. 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-24
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. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purposeXXXX 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 2023-08-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

There is a fraudulent account that was verified as accurate by XXXX and XXXX. I have not done any business with Bank of America, but there is a credit card that was opened in my name. The investigation done by XXXX and XXXX could not be accurate because I was unable to get a verification of my SSN used on the original application.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

XXXX  XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (NY)

My concern is about the auto-pay that I did not approve the Synchrony Bank/PC Richards withdrawal of {$29.00} monthly deduction from my XXXX XXXX XXXX acct . As they had this info. this was the acct. was used to make my payments. I asked for proof off my authorization they could provide me with.. This is my supporting details additional information for my most recent dispute. 
I have been disputing this extra charge for a refrigerator that I did not order in XX/XX/XXXX. XX/XX/XXXX 18-month promotion and sale on refrigerators at PC Richards here in XXXX XXXX XXXX XXXX. where I always made my electronic and appliance purchases. I purchased two refrigerators one for my mom that I paid immediately and one for myself with the 18 month promotion. In XX/XX/XXXX on my PC Richards card also was a charge for a TV that was a six month promotion that I was not advised of the time limit I thought also was part of the 18 month promotion. When I realized that there was interest being charged on my balance. I called the store and spoke to the manager XXXX. As this was the time of XXXX, we spoke about the TV promotion. She extended that six more months so I can pay that off. With this click you will see she added another refrigerator without the extended promo. I believe this was just a mistake that could have and should have been taken care of right away. And or explained to me in detail that this was a correct charge that I was mistaken. I was told many times it was removed but always on my next bill..
Consumer complaint received 2022-10-24
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. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
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. (AZ)

There is a fraudulent account that was verified as accurate by XXXX and Transunion. I have not done any business with XXXX XXXX XXXXXXXX, but there is a credit card that was opened in my name. The investigation done by XXXX and Transunion could not be accurate because I was unable to get a verification of my SSN used on the original application.
Consumer complaint received 2024-04-29
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: RUPP AND ASSOCIATES, INC. (MD)

On XX/XX/2023 was told that my debt was a little over XXXX dollars .I didnt have that amount at the time so I paid them XXXX via certified check. Then they seized my bank account for the amount of XXXX on XX/XX/2023. I have also paid them an additional XXXX $ to pay down this debt. Given the amount i have paid I believe the debt should have been paid down however when i received the official notice of amount due they are indicating that i still have an outstanding balance of XXXX. I was told this was because of outstanding fees of XXXX $ per month. I am a XXXX veteran and a single mom. I can not afford to keep paying way beyond what was owed. I believe the amount due was paid and this account should be settled.
Consumer complaint received 2022-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

spoke to Equifax representative name : XXXXXXXX XXXX XXXX XXXX he refused to remove the inquires after me telling he can will remove unauthorized inquiries. Also won't correct the info reporting incorrectly every month which is going against my consumer rights. ANOTHER REPRESENTATIVE DID THE SAME YET HUNG UP IN MY FACE. BOTH SAID THEY DO NOT INVESTIGATE INQUIRES ONCE PLACED ON REPORT EVEN IF DISPUTED VERBALLY OR DISPUTED VERBALLY. REASON THERE STILL THERE NO INVESTIGATION. 

US CODE 15 USC 1681 section 604 of force no unity is allowed to pull my credit report without my permission US CODE 15 USC 1681 section 604 A 1A REQUIRES YOU TO VERFIY ORIGNAL SIGNED CONTRACT.
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I attempted to apply for a checking account at  XXXX   XXXX   XXXX   XXXX  which I had to go through a credit check and apparently when I got back the results for an approval my credit was fine but   XXXX   had a check on it which declined my approval. I contacted my bank which was Bank Of America and asked if there were any outstanding balance on my account when I closed my checking account. Apparently, there were n't any outstanding balance and they sent me documentation via email and mail stating that they did an investigation and their research was completed. So I want to reapply again with the credit union but until I know that this resolution is resolved.