davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I already wrote a claim on my email XXXX but I have updated news on the case, What happened was that XXXX $ were sent to PayPal user XXXX, XXXX $ were sent using pay pals feature goods and services I was able to get that back but the remaining XXXX $ werent because they were sent thru pay pals feature friends and family Pay pal told me I wasnt able to get that back to call my bank to file a claim I did and I got a letter in the mail saying I can get the money back and I called and they told me the same thing, I really need the XXXX $ back the person who scammed me I paid him to reactivated my XXXX account ( my music platform because it was deleted ) he pretended to be a employee and told him to send him money and hed reactivate my XXXX account and get my payments from my XXXX but he never did he blocked me and I havent heard from him please help I need my money the bank is no help and so is PayPal I need my money for rent I had to give up XXXX and get a new job because I was scammed this guy ruined my dreams and hopes please help his pay pal emails are XXXX and XXXX his name is XXXX please help I added photos of his face book profile and of his pay pal account please help get my money back
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/19 A charge by XXXX XXXX for {$26.00}, Have advised the TD Card services, spoke with XXXX, she said it was a small charge and will issue a dispute, give a temporary credit. 

I offered her an email that was sent to XXXX XXXX disputing and informing the charge was invalid and unauthorized, she then said that the credit be permanent. 

Well nothing happened. Nothing was done by TD card services.
Consumer complaint received 2021-12-28
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)

For 4 years I have asked Experian for a copy of the permissible permission used by XXXX XXXX XXXX XXXX to access my credit report. I receive the same duplicate replies You are requesting Experian provide you a copy of the permissible purpose. At your request to conduct a reinvestigation, we contacted the data furnisher for the account you mention and asked them to verify the accuracy of the information with which you disagree. They responded and they updated aspects of the account. The result summary was sent to you on XX/XX/2021 for review. 
3 Problems with Experians reply. 1 ) I have yet to receive a copy of the permissible permission. 2 ) I have yet to receive summary of any updates from data furnisher. 3 ) Sending to XXXX XXXX XXXX XXXX is Experian passing the buck because XXXX XXXX XXXX XXXX just denies everything and calls everything duplicate complaint
Consumer complaint received 2021-12-28
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: Fidelity National Information Services, Inc. (FNIS) (CA)

Noticed fraudulent attempts to open accounts at banks and credit unions which appeared on ChexSytems credit report. Contacted CFPB, after unsuccessfully trying to reach ChexSystems, and they corrected some of the illegal attempts with information I submitted. The letter I received from ChexSystems regarding the changes that they made, failed to fix 5 ( eliminate ) other " Hard Inquiries '', some which were at the same banks/credit unions from the previous activity, but with later dates. The same WRONG driver 's license numbers were attached and the phone numbers were incorrect. The SS numbers were correct and the address was correct, except for the Inquiry from XXXX XXXX XXXX XXXX. I called the consumer affairs number for ChexSystems today ( XX/XX/XXXX ) after receiving the letter from them today dated XX/XX/XXXX and was unable to speak to anyone -- -there was only the automated system. It is quite clear that the same fraudulent attempts ( Hard Inquiries ) are still on my account which, if anyone in their fraud department reviewed, should have been taken off. In addition, there is one Soft Inquiry that is fraudulent. It seems to me that ChexSystems is not acting in good faith.
Consumer complaint received 2023-05-12
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. (CA)

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  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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I lost my job XX/XX/XXXX of 22yrs my mortgage was {$1000.00} monthly my mortgage increase to XXXX monthlyXX/XX/XXXX. I called my mortgage company in XX/XX/XXXX to talk about this HUGH INCREASE OF MY MORTGAGE. I was told that there is nonething I can do about the increase after the lost of my job in XX/XX/XXXX I had to paid my monthly mortgage of {$2000.00} and live off of my 401-K I had fallen behind in my mortgage XX/XX/XXXX. I called my mortgage company every month to discuss my finances I had no income coming in I was told I had to be at least 3 months behind before I could apply for a loan modification. I finally was able to apply for a loan modification in XX/XX/XXXX I was denied because of debt to income ratio I was advised to reach out to ( HUD ) non profit organizations I contact XXXX for help and couseling talked about finances got a buget put together they are my Representative for my modification I was turned down again for the exact same reason debt to income ratio the same reason as my first denial by my mortgage company ( PennyMac ) I was mailed out a denial letter before my Representative with XXXX contact them.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

RE # XXXX C F P B : PLEASE HELP i MADE THIS FILING AT LEAST 8 TIMES SINCE XX/XX/2022! 
Each time Capital CLOSES it saying duplicate but NEVER resolved issue with a letter to me PLEASE URGE CAPITAL TO ISSUE RESOLUTION LETTER instead closing without word as duplicate
Consumer complaint received 2023-01-14
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. (IA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-14
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. (IL)

XXXX contacted XXXX XXXX XXXX multiple times over the course of the last two years for incorrect credit reporting. As of late, weve been continuously going back & forth since XXXX due to the fact that XXXX has reported delinquent payments dating back to XX/XX/2022. This has been fixed not once, but twice, and then days later, the report is updated to reflect delinquency dating back to XX/XX/2022. There have been multiple phone conversations, multiple written correspondence & each time we see assured its been fixed. We shouldnt have to do that in the first place, but we have no choice. As the way it stands today, my report & my husbands are inconsistent, which is impossible considering its a joint loan. We had put our faith in them this last time around, as the head of the department has been working with me personally, and learned about the delinquent reporting after applying for a mortgage! You can imagine the issues this has caused. We cant continue to deal with this, as each time our livelihood is greatly impacted. XXXX is abusing their reporting power.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I don't recognize any of the following inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-12-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MECHANICS BANK (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/22, at XXXXXXXX XXXX, I tried to access my checking account using a XXXX XXXX  ATM located at XXXX XXXXXXXX XXXX XXXX PA XXXX # XXXX My checking account is with Citizens Bank, but the XXXX XXXX  ATM was close to a restaurant where we had reservations. At first the ATM said " The card monetary limit exceeded please contact your financial institution. '' I tried to withdraw a lower amount but received a similar message that this withdraw could not be completed. Later the next week, when going online to see what my balance was, I noticed a {$400.00} dollar withdraw and several transaction fees. I quickly filed a complaint with Citizens Bank. 

Citizens Bank has refuted the claim that any fraud has occurred. I can not contact them directly, and they have failed to speak directly to me, nor have they asked for copies of the ATM printout. I have contacted the XXXX XXXX branch and per their teller, they have never heard from Citizens Bank regarding the transaction. 

I have made several phones calls ( they can not forward your call to the dispute department ) and have spent a lunch hour in a branch office, trying to recover my lost {$400.00}.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one closed out my account 2 months after opening a secured card after I put a fraud alert on the 3 credit bureaus after my information was leaked. The credit card was opened and sent to me in XXXX ( I applied in XXXX ) I had to send in proof of identity and got my card in XXXX. Capital one did not notify me about any problems with my account or any issues with my account. I had auto pay set up online through my bank account to send min payment every month on due date. They received payments XXXX, XXXX in XXXX, XXXX and they closed it in XXXX. They did not notify me that the account had been closed and still received payments XXXX, XXXX, and XXXX but have no records for the payments going through since the account was already closed. The account is also being charged late fees every month since XXXX ( even with payments being sent and made ) but the account is closed so there is no payment due date. I called to get information and they are not giving me any information as to why the account was closed and why I was not notified and wont return the late fees
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: POPULAR BANK (FL)

I frequent the XXXX XXXX  in the XXXX  and XXXX  XXXX   XXXX  XXXX  I worked yesterday and deposited XXXX dollars in my account by atm in that transaction the receipt returned XXXX I opened the account on the XX/XX/XXXX2019 I deposited XXXX and my next deposit was XXXX that following month as reported by customer care in the XXXX month the customer care stated that I owed for the tenth month XXXX dollars Wich I paid and she also stated an over draft fee from XXXX XXXX which may or may not be fraudulent I have another bank card that had been stolen funds from by a XXXX XXXX that may or may not be the same that was resolved as I reported it as fraudulent I've bean catching my monthly maintenance fee before every XXXX of the following month I stated that I have overdrafted and they are always below 5 dollars which is a condition I made with my bank to never go over 5 or else make the transaction declined I recalled trying my cards at XXXX XXXX and being told that the funds are not transfefing and then that I I have bean charged I resolved with the other card and the bank operater with the bppb is telling me that I must take it up with XXXX XXXX I assume this is some young personel whom is not aware of my ability to catch the false actions she suddenly changed her statement into me owing from the month of elleven this is XXXX and I payed XXXX dollars on XX/XX/XXXX which was yesterday if I overdrafted from the XXXX XXXX I would owe more than that for over draft fees daily which makes me think the teller may be in thievery or covering the theft as I have bean making payments like this I would have covered the fee with the XXXX dollars I deposited to pay my balance and from my last statement I did not exeed XXXX dollars and I have overdrafted before she attempted to explain that the maintenance fee arrives on XX/XX/XXXX Wich is false for that fact that I bean conducting in this manner and that may dates should match XX/XX/XXXX so I assume she is new and undereeducated or she thinks that I am I called within an hour an 30 minutes from this number XXXX XXXX XXXX
Consumer complaint received 2022-11-12
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. (CA)

I sent a letter on XXXXXXXX XXXX XXXX to remove these 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/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., 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 Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$7500.00} According
Consumer complaint received 2023-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (AZ)

*THIS IS NOT A DUPLICATE COMPLAINT* THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # XXXX. Allied Collection Services , Inc. attempted to state that this isn't the correct company. However, they have an account listed on my consumer report which resulted in me having to submit a further complaint in hopes of getting this matter resolved. I've attached photos of the account from their company to this complaint as well. 

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Allied Collection Services , Inc., for committing identity theft. I have never given Allied Collection Services , Inc., any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Allied Collection Services , Inc. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( todays date ), I have not received any documentary evidence, such as a trilateral contract, giving Allied Collection Services , Inc. any right to collect on this alleged debt. I have never received any documentation requesting validation from Allied Collection Services , Inc., before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Allied Collection Services , Inc., can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Allied Collection Services , Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Allied Collection Services , Inc., continues its collection efforts, I will file for litigation for actual damages caused and Allied Collection Services , Inc., will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-11-12
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I requested PMI removal on my home, and was told that I could not given I have a second lien on my property ( in this case, a HELOC ). I was told that I would either be denied or I would have to shut down my HELOC. I am a mortgage loan originator myself, so I did some digging. It turns out, this is wrong and illegal. You can review the PMI removal requirements here : XXXX XXXX XXXXXXXX Nowhere does it mention subordinate liens being an issue. Additionally, it indicates that lenders may not add additional requirements on their end. I pointed all this out to Round Point Mortgage, and they initially pushed back. When I threatened to bring it to the CFPB, they acquiesced. So my personal issue is resolved, but here is the problem : they are enforcing this illegal policy against countless consumers, consumers who are not savvy enough to know better. The potential financial harm to consumers is huge. The FTC will take the case, but others need to make the same complaint. Others won't because they don't even know it is happening. CFPB seems to only take the case if you have an outstanding issue, and I don't have one anymore. But someone needs to address this, and I believe the CFPB is the most equipped organization to do so. 

I really hope the CFPB is able to correct this unjust policy. Thank you for your time on this matter.