davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America decided to discontinue and convert all its XXXX XXXX XXXX XXXX to its XXXX XXXX XXXX XXXX on XX/XX/2023. Per their notice, " Your last XXXX XXXX XXXX  Quarterly Cash Reward will be paid in XXXX ; however, if your account is open and you continue to make qualifying payments from XX/XX/XXXX through XX/XX/XXXX, we will reward you with a one-time statement credit of {$20.00}. '' The fine print says it XXXX take up to XXXX weeks to post the final {$20.00} credit. 

XX/XX/2023 was the last day of the XXXX weeks from XX/XX/2023. However, the credit still had not been posted by this morning ( XX/XX/2023 ). A quick search on multiple social networks and online platforms demonstrated that none of the BofA customers had received the promised credit. When I contacted BofA customer care at the end of XXXX, the representative informed me that the credit would be posted by the end of XXXX, which never materialized.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i recently seen some inaccurate and incomplete information on my credit report from the CRA 's ( transunion, XXXX, and XXXX ). I sent them dispute letters on XXXX XXXX, requesting documentation and the validity of the alleged debts, 15 USC 1681 and have not yet received anything. 
XXXX certified # XXXX XXXX XXXX XXXX XXXX Transunion # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (OK)

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. 
Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account XXXX, Account name : XXXX, Account name : XXXX, Account name : 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 2023-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (PA)

This is a follow up in regards to a previous case closed by CFPB. Case # XXXX. 

US Bank acknowledged they have record of one of the transfers out of the three I made but they still want me to recall all of the transfers. I contacted the originate bank XXXX XXXX and I am attaching their reply. The transfers were originated by US Bank and XXXX is unable to initiate the recall. I called US Bank last week and I was told to go to one of their local branch to verify some information. The closest branch that is closer to where I live is more than three hundred miles away in XXXX and I am living in XXXX. I open the account with them online and I want to know why I have to go their branch in Ohio.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MS)

Yes I am a chime member and my time card has been compromised three times I've had three sets of charges charged for my card where I file disputes they refused to help me they allowed someone to open up a time credit builder card in my name charged over {$2500.00} with no credit limit they took my social security check and paid some of it told me to follow dispute I follow dispute they did not even look at it they just automatically marked as they won I have tried to get them to help me on all of the stolen credit card information that I had they would not help me this company is not only is it sorry it is nowhere near like it's supposed to be
Consumer complaint received 2022-05-19
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. (NC)

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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I paid of another members loan that he had with usaa via 3-way call was authorized by owner and lien holder to be sent to my address and was given a power of attorney from the Nevada dmv and noterized at XXXX XXXX  for transferring the title into my name I have not received the title and its been approximately 2 months
Consumer complaint received 2023-09-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BMO Bank, N.A. (KS)

I have a mortgage with Bank of the West ( now BMO ) recently bought in the last week. 
During COVID I applied for mortgage forebearance through the CARES act. My payments stopped I believe for approx 1 year. When I started regular payments again I was told that I had to sign some papers with HUD and that the amount that was not paid during that year would be tacked onto the back of my mortgage. 
I am in the process of trying to get a HELOC with another bank right now and for over a month we have been trying to find my actual principal balance on my mortgage. HUD stages that I owe them {$10000.00}. That they dispersed those funds to BMO ( Bank of the West ) at that time to be applied as they see fit to my mortgage to cover my forbearance. They have confirmed that for me in writing and with a payoff letter. I have requested mortgage statements from XXXX, XXXX, and XXXX as well as the documentation breakdown of how they applied the {$10000.00} ( that I owe HUD ) and was to be applied to my mortgage. Just glancing at the current balance of my mortgage, if {$10000.00} had been applied, it should show a lot less. 
I am unable to access any of my records from BMO online at this time because they are still in the process of moving everything. However, the story they are telling me about the balance being tacked on to the back of my mortgage I owe them, is a completely different story than HUD is telling them. In fact, one is saying they gave my mortgage company money, and they other is saying they did not. 
And my mortgage company ( bank ) can not readily provide me with even statements from past years so I can see if there is any obvious adjustments ( as there should be from HUD dispersing the funds ). 
I need assistance. I met with the VP of BMO at my local bank yesterday in XXXX kansas and Im not getting anywhere fast. He sent some emails requesting information because they can not even pull up statements.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (FL)

I have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries XXXX XXXX XX/XX/2023 XXXX XXXX XXXX. XX/XX/2023 XXXXXX/XX/2023 XXXX Elan Financial XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-09-08
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (DC)

I have a debt collection letter from XXXX XXXX XXXX XXXX for {$110.00} for PayPal. 

XXXX ) I logged into PayPal and currently have a positive balance. 
XXXX ) I do not recognize this debt. 
XXXX ) I can not actually log-in to XXXX XXXX XXXX XXXX. I have tried the letter ID they gave me. I have tried last name, and last XXXX. Nothing has worked. 
XXXX ) The website references a page with a signature, I think I've only received the XXXX page of a correspondence. I believe this is a badly orchestrated scam. 
XXXX ) Just realized they also sent it to Washington, DE not Washington XXXX DC.
Consumer complaint received 2023-09-07
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (GA)

during the trial period they had me on I was told on several occasions. I was in good standing the representative XXXX XXXX they assigned me confirmed with me in XXXX XXXX XXXX that I was in good standing and did not need to send any more money, she also advised that she needed to send an email their cashier department to have the funds I had sent released and applied according. I took it upon myself to send in additional money to ensure all the transactions were good. Soon after this I received a certified letter from PHH advising I had short paid the modifications and yes that confused me being that I called each month during the trial and was told each time I was in good standing. To my surprise now I have to reapply for another trial period. Also they have sent me a copy of the last money order I sent them with a signature on the back of it which is not mine. per the letter / copy they sent me states this copy is legal tender I have taken the copy to a bank and to the XXXX office where I purchased it and was told/advised they could not do anything with the photocopy of the XXXX XXXX. i have called PHH on several occasions in attempt to get this solved. I am being taken full advantage of YES I do believe so.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (PA)

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 2023-09-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (IN)

Asked for a stop payment to XXXX in the amount of XXXX to be stopped on XX/XX/2023 inside a branch of Regions bank and the teller said Regions does NOT allow stop payments. I canceled the agreement with XXXX on XX/XX/2023 due to their refusal to honor a Warranty. XXXX used slander, defamation of character, and libel to commit fraud. On XX/XX/2023 a different representative from XXXX admitted that they failed to honor my cancellation and finished their responsibility to cancel the contract. Regions bank allowed an unauthorized withdrawal of XXXX on XX/XX/2023. Upon disputing the wire fraud allegations, Regions for a third time allowed a a company to steal my money. These idiots at Regions actively engage in discrimination against anyone that is a XXXX that also has a double Business degree.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} ; XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, 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 AV XXXX, XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$270.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Here is the account : XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On the evening of XX/XX/XXXX I notice two charges to my debt card made through PayPal that I did not make. I called the bank but it was too late to stop the payments from being taken from my account. I filled out fraud report to paypal on XX/XX/XXXX and they claimed that I made the charges and they would do nothing to help me get my money back in the amount of {$990.00} and {$400.00}. This charge was to a company in XXXX.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2023 I made a deposit of {$4000.00} which was from a local lender made out to me as a loan check that needed repaid. I opened up an account with Chase bank in good faith because I have friends who bank with them. The teller told me originally my funds would be held until the XXXX which came time for my check to clear and they placed an additional hold until the XXXX. My check still has not been made available to me and has collectively been in limbo for half a month now.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (CA)

I learned that Chase is having mandatory arbitration rules in their agreements. Anyone who wants to opt out of this will have to mail in a letter stating all personal information including account numbers. Why mail in a letter? People are more subject to fraud when they mail in letters. Why do you have to have mandatory arbitration? Why do you have to take rights from the customers. When you have mandatory arbitration the customers have little protection against fraud. With this complaint I am informing Chase I am opting out of the mandatory arbitration.
Consumer complaint received 2023-02-24
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/ 2023
Consumer complaint received 2023-02-24
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. (MS)

I have contacted credit bureaus Transunion, XXXXXXXX XXXX XXXXXXXX about false inquires on my credit report impacting my credit in a negative way, however they still have not removed said inquiries and information form their reports. Ive called and sent letters and am still waiting. I want them to remove these inquiries and false information!!! XXXX XXXXXXXX bank inquiries on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX, XXXX on XX/XX/XXXX.
Consumer complaint received 2022-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX and Ive been with capital one for sometime now. I added my daughter XXXX XXXX as an account manager however, its not reporting to the credit bureaus if this can be updated I would really appreciate it card # XXXX