davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
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. (FL)

On XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement from navient.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have overpaid my credit card over the course of a long time and I have paid them grossly over the course of time Ive had it which is now totaling {$31000.00}. First they said they I was owed {$14000.00} on XX/XX/2022 and they emailed me and wrote letters saying they processed the hard copy paper check on XX/XX/XXXX and it would be mailed to me within the allotted 7 days since I requested my balance refund.. I know they have to give it to me within 7 days of me asking plus I need all money Im not rich all they say us Im handled by a special dept and each time I get transferred to that dept they say its a dept that owes money to macys but they said they owe me money and one lady gave me her employee id to reference and give that she is the One who is processing and mailing the money checks on XX/XX/2022 ( her employee id is XXXX ) the one who emailed me and wrote she processed my credit card refund balance on XX/XX/XXXX, but didnt say she had another {$17000.00} to send as well I have formally and verbally said I want the remaining {$17000.00} mailed to me at my home address Ive also said I havent received the first check of $ XXXXits been over 7 days I want all my money today mailed to me sent in. A hard copy form paper check All of it center at the same time it seems I never got the XXXX I wouldve gotten it by now so please I want the full amount sent me at once all the same time Mail to meet my XXXX to XXXX XXXX XXXX XXXX  They owe me and my husband have seen amounts of money we were trying to purchase our wedding rings I want all of it sent to me before they dont send any of it to me because theyre outside of the timeframe Really ignored everything Im saying they wont read my emails they just make up every excuse in the world that its not they dont even tell me they have to mail it to me after I requested within seven days Ive pleaded please tell him to give it to me mail it to me please
Consumer complaint received 2022-05-27
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: Bread Financial Holdings, Inc. (MD)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-05-27
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)

n accordance with the Fair Credit Reporting act XXXXXX/XX/XXXX, Collection/Chargeoff XXXX XX/XX/XXXX Subject has not satisfied debt . } XXXX Untitled {, Collection/Chargeoff, XX/XX/XXXX Subject has not satisfied debt. } XXXX Untitled {, Collection/Chargeoff, XX/XX/XXXX Subject has not satisfied debt. } XXXX XXXX {, Collection/Chargeoff,XX/XX/XXXXubject has not XXXX debt. } 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
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

This is regarding Chime XXXX XXXX ) Last Friday, I received a notice that I needed to provide a handful of documentation within 5 days, due to another larger source of income that I recently started receiving. I complied and sent it to them within the 5 day period, and they requested more documentation. I explained to them that there was some documentation I was unable to receive that quickly, and they gave me instructions on how to get documentation they would take. They then locked my account on Wednesday, leaving me with absolutely no access to my funds -- mind you, we were a few days away from bills being due ( rent, utilities, credit card payments, FOOD shopping, etc ). 

I have informed them of this and continued to provide the documentation that they have requested. I am on my third or fourth round of sending them the documentation they requested, and yet their most recent request is to send them something that I've already sent. I have explained to them how crucial it is for me to have access to my funds, especially being a father and sole provider for a household. 

Not only are my funds unable to be used, but I can not transfer them at all -- as I have absolutely no access to my online portal due to the lock they imposed. They have no physical locations. So my freshly deposited paycheck is being held hostage by them, even though I have complied and continued to send them the information that they have requested. 

I have already sent them a notice that I will be following up with legal counsel as early as possible next week to sue. I am incredibly disappointed, disheartened, and now regret any time I've ever suggested them to anyone.
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (CA)

My information on my report are all reporting inaccurately and I have sent over a letter already stating that my information be updated in XXXX. I sent over a second letter in attempt to get this fixed and taken care of as well. 

XXXX  shows improper dates that it was opened. XXXX is reporting XX/XX/2017 while Experian XXXX XXXX show XX/XX/2017. The amount of the high credit limit shows inaccurately as well and the comments on XXXX shows inaccurate as well. 

XXXX shows XXXX different account numbers and all 3 bureau 's are reporting inaccurate information. These accounts do not belong to me at all.
Consumer complaint received 2017-09-26
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. (VA)

I am attempting to sign up for the Equifax Data Breach and free credit protection. The web site is always down and the phone number they provide is always busy so you can not get through to them. I tried to enroll and then the site went down so there is no way to confirm whether I am actually enrolled in the system. This is a disaster.
Consumer complaint received 2022-05-27
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. (TX)

I sent XXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX XXXXXXXX on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my XXXX reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I sent XXXXXXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX  XXXX on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my Equifax reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit
Consumer complaint received 2022-05-27
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. (TX)

I sent XXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX Complaint on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my XXXX reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit
Consumer complaint received 2024-02-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC (NV)

Sent 2 requests to XXXX XXXX and they failed to respond prior to filing an adversary complaint. 

I filed a Foreclosure Mediation Petition. The mediator committed perjury and the court court did not conduct a hearing and ruled against me. 

I filed for bankruptcy ( XXXX ) in XXXX of XXXX. 
I filed an amended adversary complaint ( XXXX ) against all attorneys falsely claiming they represent USBT ( and attached a letter of proof from USBancorp ) See Exhibit XXXX. 

All attorneys maliciously intend to deceive the public and me under the false premise that knowingly recording false documents with XXXX XXXX XXXX XXXX XXXX would have the legal effect that U.S. TRUST BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF2 ACQUISITION TRUST, a defunct and closed [ trust ] since 2016, with whom Defendants were not authorized to represent, owned the Note and Deed of Trust, thereby committing mortgage lending fraud pursuant to NRS 205.372 ( 2 ).
Consumer complaint received 2017-07-12
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: EQUIFAX, INC. (AL)

I applied for an auto loan through  XXXX   XXXX   XXXX . I did not know that they would be sending my information to other companies that would run my credit.  XXXX   XXXX  said they had in house financing with their bank. I got a lot of hits because of it. Had I known that they were going to do that I would not have applied for a loan and figured out a better way or went to  a buy here pay here. They sent me a letter stating I need to send them verification of my address and ID to sho w who I am. They sent it on  XXXX   XXXX . I went online to check on my disputes and they had already made a decision on my dispute before I even sent out my verification info.   I am currently trying to get my finances in order to prepare to buy a house.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (FL)

I was a authorized user on a store charge card for XXXX XXXX that my mother had a account to. She passed away and the account went delinquent. They reported negative activity on my credit report even though I was not owner of the account. Furthermore it is shown to be charged off, when in fact the estate paid off the bill in its entirety.
Consumer complaint received 2022-05-27
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. (FL)

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 2022-05-27
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: Paypal Holdings, Inc (MN)

I noticed that PayPal inadvertently took {$16.00} for my XXXX account, out of my XXXX checking account. I didn't nor have I ever authorize that. Every month I have {$16.00} taken out of my PayPal Credit account for XXXX. To date they haven't taken it out. It normally comes out of my Pay Pal credit account on the XXXX of each month. I contacted XXXX and they verified that Pay Pal is the form of payment and that I should contact Pay Pal. I contacted them on yesterday ( Pay Pal ) told them of the issue and they said I would need to contact XXXX. I immediately went to XXXX XXXX  last week, and said I didn't authorize Pay Pal to take out {$16.00} for XXXX, but rather my Pay Pal credit. My bank reversed the charges. 

Also, I made a payment late on XX/XX/2022 when my Pay Pal payment was due and there must have been some error, because my payment didn't show. So, I made a payment on the next day ( XXXX ) early in the morning online for {$100.00}. The Pay Pal representative indicated that she would notate the account to remove the late fees of {$40.00} due to the issues with Pay Pal. 

I contacted Pay Pal representative today ( XXXX ) and he said they were unable to reverse the late fee because I had two reversed before. Separate issues though. I also talked with the supervisor and she refused to reverse the {$40.00} late fee. This new issue was a technical issue beyond my control and I have had issues with Pay Pal all week. 

1 ) I want Pay Pal - To reverse the late fee of {$40.00} and XXXX ) I want Pay Pal to take out of my Pay Pal Credit {$16.00} for XXXX as it normally has I think this is wrong of them to penalize customers for their technological errors. Period.
Consumer complaint received 2022-09-27
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)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX : {$110.00}
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since XXXX, there has been unauthorised transactions on my account. I reported the transactions the same day at the branch, and I was told that I needed to contact the merchant, which I did. The bank did not cancel my card when I reported the unauthorised transaction While I was waiting responses from the merchant, the fraudulent transactions continued to take place, and I continued to contact those merchant. 

It was in late XXXX when I tried to contact the bank, and I was promised that they will investigate the claims I have lodged. However, they never did look into the transactions and refused to dispute the unauthorised transactions without any evidence. 

My financial loss totals up to more than {$4000.00} dollars, and I did not receive a fair response. 

The regulation XXXX of the XXXX protects me from unauthorised transactions if I reported the transactions within 60 days. The bank has violated this law for its refusal to dispute the transaction despite these transaction being clearly fraudulent.
Consumer complaint received 2022-05-27
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 ()

On XX/XX/XXXX, Paypal temporarily limited my account and asking to upload ID, I uploaded the requested Photo ID on XX/XX/XXXX, but seconds after upload, I received email from paypal that my account is permanently limited and I cant no longer use paypal. so what is wrong? It didnt even go for review of documents submitted. it is so frustrating working with them.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OR)

I refinanced my home with loandepot. The balance on the year ( I closed approx XXXX of XXXX. ) No issues. They instructed me to pay my property taxes for XXXX with the escrow refund from previous mortgage Co. I paid them in XXXX. In XXXX I received notice that my escrow was deficient due to loandepot paying my XXXX property taxes, raising my monthly payment by approx. XXXX a month. I called the company, they said they would apply for a refund and re-access my payment. The was on XX/XX/XXXX. They said it would take up to 60 days. I called back in 60 days and was informed they had not received anything from the tax department. I called the tax department, they said no refund was submitted. I am not sure why they would have you apply for a loan with an affordable payment knowing the escrow was not enough to make the years tax payment. Many homeowners would be stressed to have such a large increase in their payment. I feel they miss represented the company as caring for the well being of there customers. I feel so disappointed in myself for falling for it. Please help others to not being taken in and possibly being put in a positions to lose their home. Also they said the could do bi-monthly payments once we closed, which I told was told was not available. I had to make calls to have the closing costs corrected twice during the process as terms so we spoke to on the phone were not reflected on the statement.
Consumer complaint received 2023-03-10
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. (FL)

Hey it has come to my attention XXXX reported transactions on my consumer report XX/XX/2022, XX/XX/2022, and XX/XX/2022 between XXXX  XXXX ( XXXX ) and XXXX XXXX, so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from my consumer report
Consumer complaint received 2022-05-05
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: Jon Barry and Associates, Inc. (NC)

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.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft