davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

While traveling in XXXX for vacation, my Citi premier card got lost/stolen and was used to make purchases at different locations here in XXXX. I called Citibank customer service/ fraud department to immediately report the transactions as fraud but the answer I received was that I should wait until someone from Citibank could contact me. A week later nobody has contacted me and after several attempts to reach out a representative to ask for help the only answer I was given is that I need to wait up to 2 months for them to carry out an investigation. 

Now, the charges are posted to my account making my current balance increase, and they do not offer a temporary credit to remove these transactions from my total balance while they investigate these transactions. In the end, this is hurting my credit score since I am in the middle of a home refinancing process and my credit report will be pulled to be considered for this transaction. 

PLEASE HELP!!!
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

At XXXX point I had XXXX in my account, and then the next thing I know the account was just canceled. I assumed maybe I went over spending, but a buddy of mine overdrafted his account by {$10.00} and they hounded him for years. They just closed my account and give a reason. I stopped using banks because of this
Consumer complaint received 2021-12-23
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. (NC)

have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately my credit report. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX. XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX BANK XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account
Consumer complaint received 2021-12-23
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. (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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXT ) XXXX
Consumer complaint received 2021-12-23
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/2021, I received a notification from Experian that I had an updated address submitted to my account. When I checked my credit report, XXXX had submitted their own address, XXXX XXXX XXXX, XXXX, AZ XXXX as a personal address for me. 

Upon calling multiple times on XX/XX/2021 for XXXX to resolve this issue and find out how and why this happened, all I'm told is that the credit department that handles those things is not taking calls for at least 4 weeks. 

Having XXXX 's business address reported as my personal information is a major issue they refuse to acknowledge or fix. I have filed a dispute with Experian, however XXXX has violated my privacy rights, in my opinion, and needs to be held accountable.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CO)

received a credit card statement from an unrecognized bank. The statement contained numerous charges and totaled {$14000.00}. I called the bank and reported fraud. The person took a report and froze the account. Advised me to file this report with identitytheft.gov.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I had a mortgage with PHH Mortgage. This loan was in my name and my ex husband 's name. During our divorce the title was signed over to me, but his name remained on the loan because the house was underwater and I could not get his name removed or refinance the loan. There was an impounds account for the taxes and insurance. When the home sold, there was a balance of {$6000.00} owed to me from this impounds account. I received a check for this amount made out to my ex husband and myself. I was unable to cash this check as it is a two party check and we do not share a bank account anymore. I called PHH and was told that I would receive a check made out in my name only as PHH had a copy of the divorce decree and the transfer of title signed by my ex when he signed the house over to me. 

I never received this check and called again. Once again I was told that they had the information they needed to issue a check in my name only. Another month went by and I called PHH again. I was told I need to get my ex husband to write a letter to them releasing the funds to me and he has to have it notarized. I have never received any communication from PHH on this matter at all. They have had my money for over 3 months now. The home sold in XXXX and I am being told that they will research it and get back to me. Because of the holiday it will be another couple of weeks before they said they will call me back. I was not even given the address to send in a letter to. This is not a priority for my ex husband and we do not have a good relationship, I do not know if I will be able to get him to write a letter and get it notarized. He shouldn't have to do that anyway. There are legal documents showing that the home was signed over to me in the divorce. PHH has all of these documents on file. They even have documentation showing that my ex was very difficult when I was trying to work out a loan modification a few years ago. 

I fail to see how a notarized letter from my ex would supersede court documents showing that the home was titled to me. The title company did not have an issue with the court documents and I received the proceeds from the sale with no issue. PHH has been holding my money and made no attempt to contact me or my ex in regards to these funds at all.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/21 I tried to access an amount of money owed to me thru PayPal. I have done business thru PayPal for 2 years, and have paid PayPal with a Credit Card ( they have on file ), and have received funds due me via a check from PayPal. In attempting to get a check for {$55.00} in my PayPal account, the site would not allow me get a check, I then called PayPal customer service and was told I needed to give PayPal a Bank Name and Bank Account #, I asked why as I had always received a check ( which PayPal attached a service charge to ), the representative said that it was still needed to send me a check, I asked to speak to speak to a supervisor, who said the same. I refuse to give PayPal this sensitive info, especially since I never had to do this prior, as well as PayPal has been hacked at least once, and I have had 10 " phishing '' emails regarding purchases at PayPal, which I reported to PayPal. I was told the only other way was to get a PayPal Debit card, which of course has service charges! 

I then filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ( see attached ) on XX/XX/21. The XXXX received a response from PayPal and XXXX emailed me resolution on XX/XX/21, in which PayPal admitted their error. I then emailed PayPal asking for disposition, to which a person by the name of " XXXX '' a PayPal Customer Service Manager emailed stating I should have my funds by XX/XX/21. On XX/XX/21 I emailed the PayPal Executive Office regarding disposition and to this date ( XX/XX/21 ) have received no response. Well the mail has already been delivered today ( XX/XX/21 ) and still NO check!
Consumer complaint received 2023-01-20
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. (GA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-23
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

Year to date I have had 42 Insufficient fund fees of XXXX dollars each totalling {$1400.00} and 3 returned item fees of XXXX dollars each totalling {$100.00} dollars in my Chase checking account. For a grand total of {$1500.00} dollars. They returned {$100.00} and promised 90 something dollars more. That's still more than {$1300.00} in fees this year alone. Last year I had 42 of these fees as well, for a total of {$1400.00} as well. The dates for this year with amount of fees are as follows. XXXX {$68.00}, XXXX {$34.00}, XXXX {$100.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00} XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$100.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, and XXXX {$68.00}. I can get last year 's dates as well.
Consumer complaint received 2023-01-20
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

I received a letter in the mail from Ad Astra Recovery Services Inc. on XX/XX/XXXX Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, to which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I called the XXXX PD N.E. number to report this fraud and identity theft, which XXXX. XXXX # XXXX said to call speedy cash and find out how this account was opened because you might have better luck than we the XXXX PD would. XXXX. XXXX asked me if I wanted to press charges, I said yes. I just want them to stop, he replied I understand. 
Today on XX/XX/XXXX I called the speedy cash customer service number, spoke with XXXX who I explained what happened, and transferred me over to the collections department. XXXX answered whom I again explained what happened to her, she apologized that I was a victim of identity theft, and informed me the account was opened on XX/XX/XXXX and inactive, she told me that I would not be responsible for the amount owed on the account, tried to connect me with the dispute department but the transfer failed.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AL)

Hi This Happen To Me In About XXXX Or XXXX XXXX XXXX Wells Fargo Help Saying This And Take About My Account And I Was Only Getting A XXXX Check So I Cancelled My Account Cause Money Was Take From It And I Didn't Authorize It To Be Thanks
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Paypal finally banned my account XX/XX/2021. My complaint is legal agreement on permanent My account is limited, I don't know reason and ask customer service I always say that I have a violation The auto bot always says agreement which is not exactly why my account exists violation. Just my account received payment for services please help me to unbanned my paypal account thanks to advance in helping me.
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

My home loan was formerly with Ocwen, however on XX/XX/19 PHH Mortgage services took over the loan. on XX/XX/19 i submitted a payment in the amout of {$1800.00} that was a direct withdraw from my checking account and PHH rejected the payment, they sent a check to me in the mail that was made out to them with my property address on the check with no explanation as to what the fake looking check was, I contacted PHH and was told that the payment went to " the wrong mailing address '' and could not get an answer as to why my payment was rejected. On, XX/XX/19 I then scheduled another withdraw from my account that was rejected again. i again called PHH and was told to send the payment by paper check to XXXX, PA so on XX/XX/19 i sent a paper check for {$1400.00} and it too was sent back to me with the reason being that it was not enough to cover the whole payment which by this point is now several months behind. I made another call to PHH on XX/XX/19 and was told that a packed would be sent to me in the mail for a possibility of a loan modification, due to the fact that i was on medical leave and was off of work without pay for 5 weeks. i am now back to work full time, explained that to the gentleman on the phone who asked several financial questions and stated that we did qualify for the modification and we still have not received anything in the mail. I am very upset with the thoughts that I could be facing foreclosure when I have made efforts to pay my mortgage.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (CO)

Firstly it says inpatient count of Florida so I'm assuming it's medical that's impossible because I haven't lived in that state that time of year I haven't even lived in that state for over 7 years so that can't possibly be my debt not to mention how Phoenix financial service is reported it on my report six times can't you see something's wrong here
Consumer complaint received 2021-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/2020 CAPITAL ONE agreed to remove a LATE PAYMENT from my credit report. It was removed in XX/XX/2020. They then REAPPLIED this back to my credit report after already agreeing to removing. This is the ONLY NEGATIVE item on my credit report. It seems illegal to agree to remove and item and then add the item back on when creditor agreed to remove.
Consumer complaint received 2023-01-20
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. (FL)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 

XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX