davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: General Mortgage Capital Corporation (WA)

XX/XX/15 XXXX loan officer XXXX XXXX XXXX XXXX offered VIP dinner tickets to realtors free for referral biz in a XXXX group consisting of 400+ realtors, the value of ticket is about {$80.00} each, and 1 realtor showed interest, this is brazen bribery and RESPA violation And she quoted interest rate for No Income loan program XXXX without APR, this also violated regulation. 

I attach print-screens of her offer and marketing ( in XXXX ).
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

Simply the issue is that Citi has denied a credit limit increase after numerous times of requesting. They even as went as far to send a promotional mailer in my email and my mailbox to push me to request for an increase to which was of no avail. 

Citibank doesn't have to issue an increase as they have the right to deny so however I've attached the documentation below that indicates the " reasoning '' as to why I was denied multiple times despite being pushed to do so. Apparently based from their system I have a late or missed payment with a lender which is false. I've reached out to Citibank for clarification as they were based this reporting off a report from XX/XX/2023. 

The issue here is first Citibank is using an old report from XX/XX/2023 instead of recent credit reporting. Second is the fact the information obtained was false and inaccurate, as no lenders or any of credit bureaus was able to confirm or locate any " missed/late payment or delinquent accounts ''. Third, I'm being mailed this promotional push when clearly Citibank is denied multiple times for no valid reason based on the dating of the XXXX requests when they were made. Lastly is the fact I spoke to managers multiple times for an explanation as to the XXXX issues highlighted here to which they simply stated to check with credit bureaus and lenders which I had done multiple times before asking for an actual resolution.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/2022
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

on XXXX XXXX XXXX i opened the account with citibank for {$25.00} by XXXX then on the XXXX of the same month i zelle to the account {$300.00} and then the XXXX of the same month i XXXX to the account {$1.00} to verify that the account is working because since i got the debit card on the mail it have never work almost 3 years now and they wont release the fund availableon my account.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (WA)

The USPS, XXXX XXXX and Barclays Bank are reputable companies and hold some responsibility to prevent this scam! - I have the original letter w/Barclays letterhead but was unable to submit @ this time.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I am writing this letter to bring to your attention a matter of grave concern regarding your recent communications with me in relation to an alleged debt. It has come to my attention that your company may have violated several laws outlined in the Consumer Financial Protection Bureau 's ( CFPB ) guidelines, specifically under CFPB 1006.34 regarding the Notice for Validation of Debts. This violation pertains to the failure to provide essential information about consumer protections and consumer-response information, particularly the omission of required dispute prompts. 
I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.
Consumer complaint received 2020-11-15
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over, 45 days later, I have yet to receive a response. I feel as if I am being taken advantage of and/or being ignored throughout my dispute process. Section 611 ( a ) clearly states 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 45 days. Therefore, these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this lengthy process has caused me. My information was also impacted by the Equifax data breach and may have been placed in the hands of the wrong person.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (CA)

My credit scores dropped a lot. I checked my credit report. There are some hard inquiry that not I authorized. 
Inquiry company : XXXX XXXX XXXX XXXX date : XXXX XXXX Inquiry company : XXXXXXXX XXXX inquiry date : XXXX XXXX Inquiry company : XXXX inquiry date : XXXX XXXX Inquiry company : SYNCB/SAMS CLUB inquiry date : XX/XX/2023 XXXX
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/XXXX I have my income tax return places on my Venmo account I went to transfer money around because we found a home. We have been homeless for over a year and Venmo froze my account you can only speak to them through email no customer service live person they asked for my ID and proff of ownership of the account I was sending money to I supplied them with what they wanted then on XX/XX/XXXX I got an email from them stating they have permanently deactivated my account and my {$5500.00} will be sent to lost prevention and if the decide to make my money available to me they will email me from the email on the account they said they dont have to give me a reason for security purposes but that they will keep my money for 180 days period. We have nothing this was all we had to get on our feet and they just took it cant even tell me why or give me a number to call. We are poor this is a lot of money to us we need this money every dime we make goes to paying for hotels to keep our kids warm we had a home and lot it over this and a car this is beyond devastating to my family please please please I pray you can help us!!!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2023-03-08
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. (GA)

The credit report agencies show late payments, and I have never been late paying my payments. 

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 a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.
Consumer complaint received 2023-06-23
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. (CA)

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 XXXX XXXX is 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 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

The debt was previously reported by XXXX XXXX  and was removed as not being mine and has now been purchased by mercantile adjustment bureau who has as of today placed the collection account on my credit. I live in ny and have no connection with this account. 
Contact is XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

I am XXXX XXXX writing a complain about Chase bank regarding my Chase Freedom Unlimited credit card with them ive fell on extreme hardship and i need some relieve.when i tried to contact chase card services they 've refereed/transferred me to a credit counseling services, but i was n't looking for that.i have a balance of about XXXX XXXX on it right now and i was looking for chase to postpone my payments for about 1-2 years with not reporting me to the credit reporting agencies. Thats how long it will take me to save up the money.I have talked to XXXX XXXX and he suggested to file a complain if they dont do anything.Im on the verge of fling for chapter XXXX bankruptcy and credit counseling services is not an option because im working on getting my credit file restored that would look bad on it.
Consumer complaint received 2023-03-10
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX FS XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNCOAST CREDIT UNION (NC)

To : CFPB XX/XX/2024 Thank you in advance for your assistance, I have a durable power of attorney approved by my sister and Suncoast credit union in Florida. It includes the valid use of online banking. I have used it for 2 years to handle my sister 's finances thru online banking. For the past month now, they will not allow me to access online banking. I have been advised by their Special Accounts Dept that their members may access online banking but no with a POA is permitted to access online banking. 
My sister has XXXX XXXX and can not handle her finances. 
Attached is her Confirmed XXXX XXXX 
How might I pursue, to the best of my ability, to handle my sisters finances? 

This is what Suncoast credit union advised : " Suncoast does not provide online banking to any POA Agents due to our system limitations and security concerns this is not a rejection of your sister 's POA, but the credit unions incapability to provide system access. '' Thank you,
Consumer complaint received 2024-03-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

Got a {$20.00} gift card sponsored by XXXX XXXX  for XXXX. Went to XXXX 's and tried to use it. It was denied. Called the number on the card. Was disconnected XXXX and the XXXX time on hold XXXX minutes while representative tried to get the card to work or approved by someone. First was told to try another XXXX 's, then another store all together. After close to XXXX minutes, gave up. XXXX  # XXXX XXXX XXXX XXXX through XX/XX/year>
Consumer complaint received 2023-06-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MD)

Regarding complaint ID numbers : XXXX and XXXX Wells Fargo needs to provide the paperwork titled Relationship Change Application to document the addition of two joint owners.

Wells Fargo needs to provide the full legal name of the employee who is certifying that two joint owners are currently on XXXX XXXX 's savings account. Please include the mailing address where a court summons can be sent to that person. 

Wells Fargo is committing fraud by signing documents with fake names, such as XXXX XXXX and XXXX XXXX I spoke with multiple individuals claiming to be XXXX XXXX, and those individuals had two different accents.
Consumer complaint received 2021-03-12
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: Experian Information Solutions Inc. (MN)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing an invalid late payment and paid charge-off on XX/XX/XXXX however, the bureaus never responded to me or advised that they would be starting their investigation with the creditors. I then disputed again on XX/XX/XXXX and XX/XX/XXXX. I am now submitting, today, XX/XX/XXXX my FOURTH dispute where I STILL have not received a response or ANYTHING from any of the bureaus!
Consumer complaint received 2023-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MA)

This is my third time filling a complaint about this debt collection company, I have never signed a contract with them, There is no contract between me and spring oaks Capital. Spring oaks Capital has never lent me any amount of money, by law this company must provide me a contract between me and them since they are asking me to pay them, the contract should name them as the creditor and my name must also be on it. A contract between me and the original creditor is not the same as a contract between me and a third party debt collector, I also want to see the proof that they are authorized to collect on this debt. I also want the full record of accounting that shows every single charge, fee, interest charge and payments on the account. Since this third party debt collector decided to furnish this information to the credit bureaus, I want them to provide me with the document signed by me that says that I gave consent that allowed them to furnish this information to the credit bureaus, I also want the documentation of the sale between spring oaks Capital and the original creditor and the amount that they paid for this account.
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

I received a letter from XXXX XXXX XXXX XXXX XXXX of IL stating that they are trying to collect a debt that belongs to the current creditor Crown Asset Management LLC. 

XXXX. There is no debt validation & verification showing that I am responsible for said debt. 

XXXX. Both XXXX XXXX XXXX XXXX XXXX of IL and Crown Asset Management LLC are not licensed in the state of Florida to collect a debt.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (FL)

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 XXXXXXXX, 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 an 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 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

XXXX XXXX XXXX is stating I owe XXXX and I moved out of the residence XX/XX/XXXX owing XXXX even. As of XX/XX/XXXX it is reporting on my credit as XXXX by XXXX XXXX XXXX.