davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I paid someone {$180.00} out of the balance of my XXXX Account. In order to get the money out of my account I had to connect another financial institution to my account ( which I was not aware of when I created the " free '' account ). I am not comfortable giving these companies my bank information, so I linked my Citibank account. 

Today, in looking at my statement with Citibank, I see that I was charged a {$10.00} " cash advance '' fee, plus {$2.00} in interest. In addition, it looks like XXXX charged my {$5.00} as well. I was never made aware by either XXXX or Citibank that I was going to be charged any fee for this transaction. When I called Citibank they told me this was " customary '' for this type of transaction, however, again, it isn't customary for me and I was not made aware. 

When I tried to close my XXXX account they said I needed to link a bank account to close the account -- I'm not sure why, but I'm guessing it is to collect this {$5.00} fee they never told me about. I don't want to use this company and don't want people depositing money in XXXX that I can not access without a fee. 

I feel like charging these fees without making the customer aware at all is incredibly deceptive. I must be the only one who thinks so because it is apparently common practice, but I would like to see the government offer protection against these huge financial institutions against such deceptive practices. I have a business degree and my husband is a XXXX XXXX, if they can deceive me I can only imagine what they can do to people far less informed.
Consumer complaint received 2023-10-16
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2021-12-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (NC)

Lightstream/Suntrust/Truist approved my consumer credit application. I signed the agreement and entered my bank account info, the next day they contacted me telling me I was denied. I contacted them and they stated that I could not speak to someone of authority. I asked them if they were knowledgeable of the truth in lending act and they started going all over the place. I spoke with 3 reps and still couldn't get someone of authority on the phone. I asked them to show me in the truth in lending act that a consumer can be denied based on the reasoning they was giving me for the denial. They we're lost and had no understanding of the truth in lending act. This whole situation has caused me distress. I have never experienced anything like this from any other lenders I have dealt with. I should have not been approved and given my bank account info and a contract to sign if I was not approved, that's a breach in contract. Therefore someone in the company did not do their due diligence.
Consumer complaint received 2022-05-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this may concern : I have sent out letters to Transunion on XX/XX/22 XXXX, XXXX and XX/XX/22 items I deemed questionable and inaccurate. In these letters I requested Transunion to validate these items they are reporting on my credit file. 

Each time I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) they don't send me the proof I requested, and only send me a generic letter stating item has been " verified ''. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and data furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I am in distress, because I feel like Transunion is trying discourage me and detour me from disputing items I deem inaccurate and questionable. How can I take a company 's word for something as being just " verified '' when they ignore my request for proof on numerous occasions? If you have properly verfied the items, than why not send the proof I requested. Now They are sending me letters stating that because I already disputed the accounts, and since they have came back " verified '' they are not required to reinvestigate. 

My rights have been violated and I will be filing a complaint with the XXXX, and my states attorney general. Furthermore if this issue can not be resolved I will take legal action against the Transunion.
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I created a PayPal account to conduct my business, when I had a few customers who paid and our transaction went smoothly, I suddenly found out that PayPal had limited my account and I no longer had access to my funds. I've already talked to them and they always saying that " their decision is final '' and I no longer have access to my account. I didn't do anything, I can't send a payment nor withdraw my funds. I've already said to them that I need the money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but their answer is always the same. " Our decision is final, you can no longer do business with PayPal. But my remaining funds is still there and I can't have it.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

My Account was closed down in XXXX XXXX XXXX  due to Chime just randomly closing it and no warning. I never received my funds ( a check ) that was suppose to be mailed to me. I have lived in the same home so not because I moved. I keep getting a run around oh we can't do this over the phone we will send a ticket and email you. Oh we can't discuss this with you in an email please call us. Back and forth. What really XXXX me off is that I get the run around on my money but ya 'll still report my account is open to all three Credit Report companies. Oh and on XXXX XXXX XXXX  I get an email saying mobile check deposits policy will be changing. Neither of those should be happening. But ya 'll don't have my money. I had money in my checking and savings account. Also on that stupid credit card of y'alls also. Let me guess because your a big company and I don't have the money to, ya 'll can just do this and no one will know.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX credit keeps reporting my account and Good standing Trans Union will not update my balance to XXXX  every month have to file a dispute. I paid this account off and XX/XX/2023 XXXX XXXX, numerous of disputes and complaints and numerous receipts. Keep my balance to XXXX I have not used this card here or the receipts of my payments my account even I paid over I have a negative because I paid over on my credit card account heres proof Im tired of sending you proof over and over again and you guys keep putting my balance back to {$400.00} when it should just stay XXXX. 

And this is according to the late payments I have on this account accordance with the fair credit act XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX  15 USC 1666B : A creditor may not treat a payment on a XXXX card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT
Consumer complaint received 2019-06-13
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 have discovered ( 2 ) inquiries on my Experian Credit report that were a result of a identity thief trying to establish credit in my name. I did not authorize these parties checking/pulling my credit, and I have attempted to contact Experian about this and was not assisted. The following inquiries are fraudulent and need to be blocked from my credit report. I did not authorize these companies to pull my credit, and this was an act of fraud. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I am attaching a copy of my recent police report that addresses that accounts are being opened or attempted to be open in my name without my permission.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

I am in receipt of XX/XX/2021 letter from a robo-signer XXXX XXXX XXXX , Research Department ( ? ) who informed me that XXXX of XXXX ( XXXX ) Letters of Acknowledgements I received last week was sent to me in error. 

Seems like PennyMac try to negate the acknowledgment letter. It does not specify the date of the letter being negated. And of course it leaves open all the other acknowledgment letters, which are subject to considerable doubt. The signature is electronically affixed, which does leave open the question of whether or not the signatory knows anything about the letter. 

Can you identify which particular letter was sent in error? On which date? By whom and from which location it was sent, with full name, position with the Company, office address and phone number? 

Can you identify employees who prepared and sent me these letters of acknowledgements, along with their business address, phone number and email? 

This is also a demand for written verification of XXXX XXXX XXXX XXXX XXXX XXXX signature on this letter, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX and a letter of Authorization from XXXX if XXXX typed signature was attached by someone else. 

Please identify the name and position of PennyMac 's ( or other company ) employee whom XXXX XXXX authorized to use his signature on this letter. 

If this letter was prepared by outside vendors, identify the name and business address for this Vendor and the Fintech system they used to prepare this letter. 

XXXX requires the authentication of electronic signatures, and defines an electronic signature as an electronic sound, symbol or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record when a dispute arises regarding whether a signor 's electronic signature is authentic, I demand XXXX XXXX XXXX XXXX XXXX XXXX me a XXXX signed XXXX, with his direct contact information and email, along with verification that he personally prepared and mailed me this letter on XX/XX/2021 Regards XXXX XXXX
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (UT)

On Friday, XX/XX/XXXX, I have quote a mortgage rate with Amerisave ( NMLS ID # XXXX  ), a loan officer name XXXX XXXX XXXX Loan Originator NMLS ID # XXXX  ) called me and telling me just give him a call if I want to finish up the application, at the mean time, I was still shopping around and found another lender, today, XX/XX/XXXX, XXXX XXXX send me a disclosure, asking me to sign and review, I checked my credit report and they have already pulled my credit, even though I have " never '' promised to use their company, requested application, provided them any documents and Social Security Number, I immediately call any numbers for XXXX and email/call XXXX XXXX to cancel whatever they have started for me, either of them just direct me to the voice message, it definitely sounds like a scam, hours after anything I have tried, I am seeking help from the CFPB.
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (IL)

I contacted the company in XXXX to dispute a fraudulent account in collections but they have ignored my police reports, affidavit, and FTC report and continue to report the inaccurate information to the credit bureaus.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (AZ)

A XXXX  XXXX account was opened in my name this last XXXX that I had no idea about, also my wallet was stolen a while back and I did cancel the cards but someone was able to run up the bills on my card and now the accounts are closed and being charged off. Im XXXX and never dealt with something like this.
Consumer complaint received 2016-10-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I took a loan for XXXX with this company called Big PIC loans. I knew the interest was high however, I did not know that I would be paying this much. I already paid them XXXX in XXXX biweekly payments. When I reviewed my future payments I have payments scheduled payments through XXXX 2017 for XXXX on an XXXX loan. I made a big mistake.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The following accounts listed below are being reported with plenty of errors. 
XXXX Account # XXXX XXXX Account # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the account status is innacurate, the date last active is inaccurate, payment status is innacurate and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-25
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. (TX)

The following accounts listed below are being reported with plenty of errors. 
XXXX Account # XXXX XXXX Account # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the account status is innacurate, the date last active is inaccurate, payment status is innacurate and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Afterpay US Services, LLC (TX)

This is a continuous prob with After as they refuse to acknowledge issues and refuse to c all you and resolve. They now send auto messages that has nothing to do with thde issue and fail to acknowledge the real issue, after they auto take funds from my checking act without my authority, mentioned the issue and still take funds from me. I have paid for all items and they are still going back to my checking debiting funds every 2 weeks as i informed them repeatedly that I returned all items. They go back toask for personal info repeatedly & blow you off, tell me to go back to XXXX XXXX  XXXX for a refund as merchant doesn't refund they SPECIFICALLY STATE refund back to AFTERPAY. AFTER running a SCAM and FRAUD as they come they keep your money and tell you to go back to merchant. THEY CONTINUE TO VIOLATE MY RIGHTS and steal my money. Refuse to help, refuse to call. They charged me XXXX and I returned all items to XXXX, they refuse to help and send auto emails telling me to check emails and bank, they will tell you anything and send useless email automated to blow you off as I will not go away-. They are true thieves. XXXX XXXX  refund purchases were returned and receipt indicated refund and no refund from afterpay! REFUSE TO HELP and should be fined-how is this legal CFPB???
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2022-11-16
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. (AZ)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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