davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.

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 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2021 TD Bank called my cell phone at XXXX XXXX and stated I had fraudulent charges on my debit card. He stated he was going to cancel my card and reimburse the charges. He proceeded to go over fraudulent charges, keeping me on the phone to ask if they were made by me and I stated no to all of them. The next morning I called TD Bank after I couldnt get into my checking account and had to reset my password and started to thoroughly check my account to find {$3400.00} stolen from my account. I immediately panicked and called TD Bank, I proceeded to have my online account shut/closed down and put in a dispute for the fraud charges. They did an investigation and have denied my claim 3 times stating I approved it through my cell phone, which is absolutely not true. Even with a police report they insist it was approved by me. My XXXX was completely going haywire and I had to go to XXXX to purchase another phone, which leads me to believe the imposter placed some malware/virus sim port scam on my cell phone to be able to approve these cell transactions from my phone number. I have been on the TD XXXX XXXX XXXX Complaint on-line and have seen various complaints stating the same fraudulent activities happening to others with denials from TD Bank. My son recently passed from XXXX XXXX having many bills due to his illness, lost my second job due to XXXX  XXXX and to add insult to injury this criminal fraudulently stole my money. This ordeal has caused me a great deal of anxiety and emotional distress after not even a year of losing my son. Would you please be able to assist me in any way to recuperate my money that was stolen from my checking account through XXXX by this TD Bank Imposter? 
I thank you in advance for your assistance in this matter. 

Thank you,
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion has listed my XXXX balance as {$580.00} for the last 3 months in a row. I have disputed this now XXXX  months in a row and they are still unable to get it correct, regardless of the other two credit reporting bureaus ability to get it correct. My balance currently is {$150.00}.
Consumer complaint received 2021-04-06
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 — Their investigation did not fix an error on your report
Company: Paramount Recovery Systems, L.P. (VA)

A debt on my credit report states that the debt was assigned in XX/XX/XXXX when it was actually assigned in XXXX or XXXX. Now that the assignment date has changed, the account will sit on my account for an additional 6 years. I have also disputed this debt multiple times and have never been provided any documentation.
Consumer complaint received 2021-04-06
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. (FL)

So I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. When I call again they told me i need to get a FTC report. This is affecting me from getting my place for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by myself. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021, I completed an online ACH money transfer from Wells Fargo to XXXX XXXX in the amount of XXXX dollars. After a few days the funds were not transferred in the XXXX XXXX but on XX/XX/2021 XXXX XXXX refund the XXXX back into my account. Unfortunately, I am not aware if Wells Fargo business practice does this but once the funds was return in my account, Wells Fargo immediately did a bank withdrawal reversal on XX/XX/2021 and sent the XXXX dollars out of my account without my authorization back to XXXX XXXX 

I submitted a claim to the Wells Fargo online department and spoken to several representatives about the matter, after their investigation I receive several letters that appear to be conflicting about the transaction error. The letters states that were no account errors on my end and the transaction was done correctly. Another letter I receive is states I did not have the funds and is very misleading and conflicting. I continue to call and request detail information, such as an financial audit transaction, but have not receive it. From my conversation and understanding, Wells Fargo assure me there was no error of insufficient funds on my part and confirmed the funds requested for bank to bank transfer were in my account. I am concerned after speaking to XXXX XXXX they confirmed that their bank return the XXXX funds on XX/XX/2021 but has not receive the second transaction from Wells Fargo reversal process. Can someone please assist me in this matter, its been over 2 months and I have not gotten this issue resolved. 

Thank You
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MO)

While checking my most recent credit report I noticed a credit inquiry that I did not authorize made by  Chase  on   XXXX    . I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  Section 1681b  ( c ) and a serous breach of my privacy rights.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NM)

I believe the email I got is a phishing scam. I don't use a Chase card. 

From : J.P. Morgan Online XXXX Sent : Sunday, XX/XX/2021 XXXX XXXX To : Subject : Re : Summary statement alert code - XXXX Chase Logo Dear Chase member, We recently detected unusual activity on your JPMorgan chase online banking account. 
Unfortunately, we had to suspend your online banking to ensure the safety of your account. 
This suspension is temporary. We will need some additional information to verify your identity. 
Please visit chase.com/update or visit the verification form to complete your identity verification and regain online access. 

chase.com/update Sincerely, Customer Service. 
Chase Logo 2021 JPMorgan Chase & Co .
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC (IN)

In SXXXX/XX/XX/2020, I discovered a debt on my credit report that was not mine along with addresses, phone numbers, etc. The debt was from XXXX XXXX XXXX XXXX opened XX/XX/2020 in the amount of {$1500.00}. Since the discovery, I have called multiple times to report it as identity theft. I have spoken with the fraud dept., managers, etc. and I am always told that they will send me paperwork to fill out or someone will call me but neither have happened to this day. I then found out that the account had been sent to CKS Financial which is a collection company. They called me to try to collect the debt and I told them that it is identity theft and sent them proof with all the information they had asked for. They assured me they received everything but were waiting to hear back from their client and they would notify me once they heard something. Still nothing from them so as I was calling and checking on it, I was told by CKS that the account has now been sent to another collection company named XX/XX/XXXX. So I called them and have been told that the account has now been sent back to XXXX XXXX  and I have to call them to handle it. I am so tired of the run around!!
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BSI Financial Holdings, Inc. (NJ)

Dear CFPB, Re : Attached 1099-A Form From BSI Financial Services which appears to have been sent to us in error. 

Why did BSI Financial Services send this 1099-A to us? 

We have never had any dealings with BSI Financial Services> Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2017-05-14
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. (MN)

I disputed to the credit bureau the reasons why  XXXX   XXXX   XXXX  located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this  XXXX  of  2016, It has been a year yet I have not received any feedback but yet this is still on my c redit report!
Consumer complaint received 2021-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 US. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 US Code 1681a ( 2 ) ( b ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in this transaction.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America keeps rejecting legitimate transactions on my debit card and freezing my account for normal transactions. They send an alert to verify and I do so, and that verification is ignored by Bank of America. This has happened, and I have complained to Bank of America, numerous times. This instance resulted in 30 minutes on the phone and a duplicate transaction for {$1500.00}, which is now on hold in my account, and now I have the duplicate order to resolve with the merchant.
Consumer complaint received 2021-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NY)

I have called planet home lending multiple times on this. 

They have been double drafting my account since XX/XX/XXXX. 

It has been a very confusing process getting payments set up on this mortgage. 

When I first used the website almost 8 months ago and attempted to set up auto payment, I was prompted that it would not be possible without some sort of written consent, which I did NOT send in. 

After I used the website, I called the customer number and asked about it, and was told that I did not have auto pay set up. 

So I set up payments through the phone. 

In XXXX, I ended up paying twice, and in XXXX as well. 

Since I was 2 months ahead, and was credited as such, I held off from paying until XXXX. 

When I called in XXXX to verify if there were any payments set up, I was told there was not. 

So I set up payments over the phone again, for XXXX and XXXX. 

In XXXX, two payments were taken out again, so I called planet home lending again, told them to axe the payment I request in XXXX, and I made the request for the payment to be axed on XX/XX/XXXX. 

XX/XX/XXXX, they did the exact same thing. 

When I called to ask about it, The customer service rep told me right away that I was set up for auto payments, and she was the first rep from planet home lending to ever inform me of that. 

They have my email and mailing address on file, I verified it, and asked for specific, direct instructions to fix the problems their mis information in regards to my account was causing, and they would not provide the information, stating it was against the law. 

I informed them at that point I would be lodging a complaint against their company, and may hodl the money in escro and refuse to pay until they have it resolved.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (OH)

We recently refinanced our mortgage through XXXX at the end of XXXX. They sold our mortgage to Homeside Financial to service the loan immediately after closing. I requested on XX/XX/21 to not include insurance in escrow. I followed up on XX/XX/21 and was told it was still in process and would be complete at the end of business on XX/XX/21. I also informed them at that time our address was incorrectly entered into the system. I submitted their change of address form with our signatures to correct the clerical error. It should have taken 5 days to complete the address change. Neither issue has been corrected. I followed up again on XX/XX/21 and no response has been provided to me. Our first payment was due on XX/XX/21. The company took the insurance money and has not corrected the issue still. It's now XX/XX/21. These are two simple issues to correct and Homeside Financial is unwilling to correct them.
Consumer complaint received 2021-04-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-06
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. (MO)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PARKSIDE LENDING, LLC (WI)

I recently received a new mortgage and had everything set up for autopay. The autpoay did not go into account until after the payment was due. I have since paid this debt, it was only a few days late. I would like to have this off my record, please.
Consumer complaint received 2022-01-31
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 Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am trying to correct some information on my report and have sent two letters to this bureau : the first was XX/XX/XXXX and the second was XX/XX/XXXX. I have yet to receive any responses despite the 30-45 day legal time frame they have to investigate and respond. The two accounts that need correction are XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX - XXXX which are showing a payment history that I do not believe to be accurate.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (KY)

Around XXXX, I had applied for checking account online with BBVA bank. On XXXX, I received email application being reviewed, and more documents need.On XXXX I received emails stating the same as XXXX. XXXX, reviewed email stating application being reviewed. On XX/XX/XXXX, reviewed email from BBVA stating application was approved. On XX/XX/2021 {$500.00} was taken off for initial deposit for the account. 
On XX/XX/XXXX, I called BBVA bank customer service, because I forgot my username for online banking, and when I try to retrieve the username for online banking. It tells me I must be enrolled first. When I do try to enroll or activate the online banking service, tells me I already have account set-up. 
However when I called I was referred constantly to different department, and then reffer to a security officer in alabama who not take calls. 
Call them back on XX/XX/XXXX, after I told them what happened, they stated because of there system, they can not retrieve my username, or send link for me to get my username, and not eligible for the computer to send the link or security code to my phone, even though my phone is in my name and I pay the bill every month.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KS)

Attempting to login with existing credentials, active plaintiff in class action against equifax involving data breaches and not receiving promised settlement benefits, unable to display profile and account access is unavailable for unknown reasons for 2 years to current
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IN)

PayPal Changed their acceptable use policy after we had initially signed up, And canceled our accounts with out first warning us of the violation of policy, I believe it would have been in the best interest of both PayPal and the Customer that if there had been a policy violation to explain that it cant be done, Since the activities in and of themselves wasn't illegal. Now PayPal Has Put a Hold on customers funds that it has refused to do business with, Release the funds or reinstate the account.