davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I recently refinanced my home. I paid for the appraisal out of pocket ( please see the attached receipt ). LoanDepot reimbursed me by increasing Lender Credit, as they promised. 

However, I was charged a {$490.00} appraisal fee at closing ( please see the closing statement attached ). 

My family has brought up this issue with the loan officer XXXX XXXX and his supervisor XXXX XXXX on XX/XX/XXXX. They have denied charging me an appraisal fee at closing. They have stopped responding after XX/XX/XXXX. Emails to them on XX/XX/XXXX and XX/XX/XXXX have not been returned. 

My family has asked the Escrow Officer XXXX XXXX whether or not I was charged a {$490.00} appraisal fee at closing. She has confirmed that I was.
Consumer complaint received 2023-03-02
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. (CA)

It is TRANSUNIONs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX account beginning in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (TN)

On XXXX XX/XX/2020, I opened an online checking account with SunTrust. They approved the account and provided an account number. I changed my government retired direct deposit and funded the account with another bank account. I attempted to sign into the account on XXXX XXXX. The error notice said the account was locked. I called SunTrust and they said their " loss prevention '' dept is going to close the account for an undisclosed reason. No notification to me of this was made. If there had been a problem, they never should have opened the account in the first place. I had to reverse the direct deposit and the banking transaction. I probably have about 4 hours total with this bank rodeo and then I'm treated in this way. There is nothing in my background to warrant closing the account. My credit score is about 850, no debt, no criminal, nothing ( retired XXXX XXXX XXXX  ). SunTrust should trust their customers a little more and inform them, even when they make irrational decisions.
Consumer complaint received 2021-01-07
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: CITIBANK, N.A. (CA)

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX  on XX/XX/XXXX Citibank CBNA incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act 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 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 2020-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MA)

on XX/XX/2020 i recieved several deposits from unemployment into my paypal account. I immediately requested a transfer of XXXX to a linked account and was denied without reason. i then was only allowed to withdraw $ % XXXX increments from XXXX and my account was limited. i reached out and the limitation was removed and i was assured in 48 hours i could remove my money. OnXXXX XXXX i attempted to transfer my money and again was denied andf told i had to wait another 24 hours. i waited, on XX/XX/XXXX i attempted to transfer again and was denied and could get no answers from anyone. i recieved emails and messages on the 3rdto send in verification of new account linked to my paypal and other documents, this after i had already sent in a pic of me holding my id as requested. Immediately after my account wasd limited permanently and i was informed my money would be held for 180 days, i hacve contacted them repeatedly and was told it was because of too many logins, then too many attempts to transfer my money, now because of possible fraud but they wil give no specifics and are forcing me to leave my money in their control for 180 days. i was also told that this money is no longer eligible for pass thru fdic protection, yet as it was all from eft it most definitely is covered. by claiming it is not they now can simply say the money was mlost and im just out. i want my money transferre3d to my bank as requested and as they are bound to do and have denied my requests from the beginning
Consumer complaint received 2023-03-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (NJ)

On XX/XX/XXXX, I signed up for an account with dave.com through their mobile app. They offer interest-free payday loans. 

On that same day I made a request for an advance of {$100.00}. Only then did I realize that dave.com has a membership fee. I immediately e-mailed dave.com Customer Support asking them to cancel my pending advance and to close my account. I provided all requested information to close my account, but I never received confirmation that my account was closed. 

On XX/XX/XXXX, my dave.com account was still not closed, and the company had sent me a {$100.00} payday advance. I tried to settle my {$100.00} balance and close my account, but the dave.com app advised that the platform was experiencing problems with XXXX XXXX ( my bank ). 

On that same day, I again e-mailed dave.com Customer Support demanding that they settle my account with funds that are in my bank account, and to then close my dave.com account. 

On XX/XX/XXXX, I received a response from dave.com Customer Support advising that XXXX XXXX no longer works on their platform, and that I can not settle my {$100.00} account balance using my bank account. There is no ability to add any other payment methods on dave.com, and I have begged Customer Support for another way to pay off my balance, but they have declined to allow me to pay off my balance. The company continues to charge me a {$1.00} membership fee every month as well, despite my demands that they close my account. 

At or about that time, I filed a formal complaint with the California Department of Financial Protection & Innovation. 

By way of correspondence dated XX/XX/XXXX, the California Department of Financial Protection & Innovation referred my complaint to the XXXX XXXX XXXX XXXX XXXX XXXX 

By way of correspondence dated XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX suggested that the Consumer Financial Protection Bureau is the proper agency with which to file a complaint. 

In summary, dave.com will not allow me to pay off my balance of {$100.00} because they stopped accepting all payments from XXXX XXXX ( my bank ), and will not allow me to add any other payment method. I have repeatedly demanded that my account be closed and membership be canceled, but dave.com will not allow me to do that. The company is holding me hostage by refusing to accept payment from me, and they continue to charge me membership fees.
Consumer complaint received 2018-02-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased my vehicle 4 years ago for XXXX and every year the balance never changes and the balance remains the same. Santander USA over the top interest rates make it impossible for any principle to be paid. This can't be lawful and throughout my economic hardship they have refused to lower the interest. Please help me
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have asked that my reports be reviewed and verify everything on my reports as being accurate. I have viewed the reports and has found improper inconsistencies. 

In the accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account number XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

These companies obtained my report without my consent or knowledge XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (NY)

open account on XX/XX/2022 with a {$30000.00} check i recieved from a lawsuit attorney : XXXX XXXX  XXXX address : XXXX XXXX XXXX, XXXX XXXX, new york XXXX XXXX a few weeks my account was close and i was told by the teller at citi bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX That they couldnt tell me anything, I need to call fraud department for more information. 
I called and was told that they mail me a letter explaining. On XX/XX/2022 the letter stated they took no longer can service my account and they will issue me a official check for the remaining balance of {$12000.00}. I recieved a check on XX/XX/2022 for only {$440.00}. I called and was traffer to multible department telling they not authorize to tell me and hung up on me. I went to the bank and spoke to XXXX XXXX and she had the same problem so i left her my information, I went back a few days and she said that fixed the [ problem and they already send the remaing balance to my address '' already in the mail ''. Its been over a week and i have not recieve not even a email. Im broke and my carnote is pass due. My credit is ruin and i owe {$620.00} cause they cancel my investment. Cost me to be late on my carnote that interest whicb mean more lost. I cant work so thats all the money i had. This has cause me alot of stress, eating one meal a day. I was misled and disrespected too many times and cost me financial lost.
Consumer complaint received 2021-10-21
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. (TX)

I contacted TransUnion via certified mail on XXXX and XXXXto conduct a reinvestigation of unfair, unverified, false reporting accounts. TransUnion job is to investigate and correct any issues that have been placed as a concern by the consumer. I am the only person who can verify a debt because it would have been me who would have open any account. TransUnion is a for-profit company and not or has anything to with being a bureau. They are not any type of government agency and they work on behalf of the consumer. By federal law in which I am a federally protected consumer I expect my rights to be upheld as such. The same data furnisher reported the same information yet all my information on my credit report is incorrectly reported. Their job is to report accurately and by law if they are not they have to remove any incorrect data immediately. All accounts must report accurately with the same data on each credit consumer credit report. attached is proof that these accounts are not. I have also attached where XXXX have deleted all these accounts from my consumer report because of these same inaccuracies.
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.XXXX and Equifax responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from XXXX 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 15 U.S. Code 1681s2 ( 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.

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.
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC (MI)

Im reporting this to CFPB because this bill from RMP SRVC LLC for the amount of {$2500.00} was paid by XXXX XXXX XXXX XXXX. This account was opened around XX/XX/2020. Ive disputed this 2 times already and it looks like both times I havent gotten the point across. I called my health insurance company multiple times and Ive been told multiple times to not pay them and to not give them the XXXX because it has already been paid and if I pay them then theyll get it twice. If the insurance already paid this medical fee then why would they tell me if its not paid it will go to a collection agency. This makes no sense to me and why it would hit my credit report if its already been paid.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On or about beginning of XXXX.- XXXX i had apply for a credit card ( XXXX XXXX XXXX ). it was turn down because of the credit score that Equfax had sent them ( XXXX ). i had called Equfax about it and they said they did not tell XXXX  XXXX that, dated XX/XX/2020 from source : equfax consumer relations. I have an Equfax credit score of XXXX on line from Equfax. i had filed a dispute with equfax on XX/XX/2020, about this. ( # XXXX ) .now i don '' t who is tell what to who or who is just putting down the wrong information. I had sent a letter to XXXX  XXXX with the same information, that seem to be the only way to contact.them haven't heard from them. 

Now just apply for a XXXX XXXX credit that was turn down by The creditor is XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX again by Equfax info, .I only use 2 % of my credit creditworthiness. & credit score of XXXX i have 21 credit card i really don't need another card but i get for the discount & rebates. 

THANKS XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses, 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 are still listed under my personal information.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! 
This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. 
I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to XXXX and Equifax in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This is about Portfolio Recovery trying to collect on a debt of {$630.00} that has been paid. Portfolio Recovery is reporting a Charge off derogatory debt on my credit report that I paid on XX/XX/2018. The original account number is XXXX. This is the same account number listed on my credit report. In XXXX I spoke with a respersentive from Portfolio Recovery and advised them that the debt they are reporting for {$630.00} is not correct and has been paid. My debt was original to XXXX XXXX for XXXX was being collected by the law firm of XXXX XXXX and XXXX. I paid XXXX XXXX and XXXX in full the {$400.00} I owed XXXX XXXX. The paid Authorization Code is XXXX and File # XXXX. I am not sure where the {$630.00} came from this must be fees attached to this account. I emailed Portfolio a copy of the paid in full letter from XXXX XXXX and XXXX and Portfolio Recovery stated their investigation revealed I still owe this debt. I disputed this with the Credit reporting agency and never received a response. This is what I called False reporting. I provided them with the paid letter and also ask if they contacted the law firm that collected my money. This entry on my credit report has stressed me out and prevented me from getting a home loan. This is not fair. I have attached the letter and a copy of my credit report to this complaint. They are aggressively trying to make me pay a debt that I have proven to them that I paid. This is not fair. Please investigate and delete this from my credit file.