davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have a credit card account with Pentagon Federal Credit Union. 

On XX/XX/XXXX I contacted the credit union via online chat. I requested that my Visa credit card account be closed. I only have one credit card account with this credit union. XXXX. 

The representative, XXXX XXXX, stated " Your card has been permanently closed. Please note you will receive your final statement by mail. '' The chat log is attached. 

as of XX/XX/XXXX, the account still shows online this card to be active and has assessed additional fees. 

I have re-contacted the credit union, The service representative states the card is still active and have no " record '' of the request to close the account. They were again, not able to immediately close the account at my request.
Consumer complaint received 2023-01-19
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. (NY)

I am a consumer by law, This has not been submitted in error. 
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  inquiries 1 XXXX XXXX XXXX Inquiry2 XXXX XXXX XXXX  Inquiry3 : XXXX Inquiry4 : XXXX Inquiry5 : TRANSUNION XXXX XXXX Inquiry6 : XXXX Inquiry7 : XXXX Inquiry8 : XXXX XXXX XXXX via XXXX XXXX Inquiry9 : XXXX XXXXXXXX XXXX Inquiry10 : XXXX XXXXXXXX XXXX Inquiry11 : XXXX XXXX Inquiry12 : XXXX via XXXX XXXX inquiry13 : XXXX XXXX via TRANSUNION XXXXXXXX XXXX Inquiry14 : XXXX XXXX XXXX 
Inquiry15 : XXXX XXXX XXXX Inquiry16 : XXXX XXXX via TRANSUNION XXXX Inquiry17 : XXXX XXXX  via XXXX XXXX XXXX XXXX Inquiry18 : XXXX XXXX
Consumer complaint received 2023-03-02
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: Fig Tech Inc. (TX)

Please notice, I am the author of this complaint and no 3rd party is acting on my behalf This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 
The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2019-08-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (NC)

I settled on my construction loan with XXXX XXXX XXXX in late XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX I received a letter from BSI Financial Services requesting proof of hazard insurance on my owner occupied home.This is a construction loan and property is vacant. The appropriate insurances were in place at time of settlement and these documents are in the loan file. I called BSI and was told that they do not get my loan documentation when it is transferred and that it is standard practice for BSI to call the borrower and request insurance or place forced coverage. This was told to me by XXXX XXXX Employee # XXXX. I have placed several calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been put on hold, sent to voicemail and disconnected. I am told that they will look for my loan documentation but never get a return call with status. The proper insurance overages were in place at time of settlement. I have uploaded my insurance policy to their website and gotten confirmation but they tell me they dont have it. 
I am concerned about their record keeping and lack of inter-company communication. As of right now I still do not have resolution
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My issue is with XXXX XXXX XXXX and XXXX. In XX/XX/XXXX, my loan was transferred from XXXX to XXXX. Each payment is due on the first of the month. XXXX accepted my payment on XX/XX/XXXX as shown in the document of my bank statements on page 9. According to the notification of loan transfer, a check was requested for the first payment and that was cashed on XX/XX/XXXX. According to recent correspondence from XXXX on XX/XX/XXXX, that check was also applied to XXXX when it should have been applied to XXXX. This caused a trickle down effect of appearing as though my payments were a month behind, and it was discovered when XXXX reported a missing payment in XX/XX/XXXX. 

XX/XX/XXXX check of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 

A payment was never missed. I have called XXXX multiple times and submitted many online inquiries, and they refuse to make the corrections even with proof of my bank account statements. I did not choose for my loan to be transferred, I don't understand why the proof of the XXXX payment is not enough to fix it. 

If a loan is transferred, both companies should communicate payments. This has caused me great stress and has negatively impacted my credit while there is no valid reason.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

on XXXX  I paid my Bank of America credit card in full using BOA portal. conf # XXXX. The payment cleared my checking account. On XXXX  I learned the payment was never credited to my account. XXXX in SC advised it takes 10 days to correct. Advised my payment was posted to a closed account I was affiliated with and could give no further info. As of XX/XX/XXXX this has not been corrected. I have called BOA multiple time. XX/XX/XXXX spoke with XXXX in TX, referred to XXXX in MD XXXX XXXX, to XXXX in XXXX XXXX  to XXXX XXXX cards to small business, back to XXXX in CA in XXXX XXXX - was disconnected. XXXX XXXX in DE XXXX XXXX was very helpfull said goes to payment research takes 1-2 billing cycles and will be refunded interest and late fees. My card maxed out in the process and I was told I could make another payment or request a credit limit increase. This is a ridiculous amount of time to wait for the correction in todays world you can money around the globe very quickly. 
I would like my account corrected immediatley and fees and interest refunded.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several accounts opened using my personal information fraudulently to obtain financial services or goods. The listed accounts documented in this report are not mine and should not be reflecting on my consumer report! According to 15 US Code Section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604A Section 2, states, that a consumer reporting agency can not furnish an account without the consumer 's written instructions. The accounts listed should have never used my information as I never provided them my instructions to do so on my behalf. 
Therefore, these accounts are not mine and should not be reported on my consumer report. Ultimately, I am demanding the deletion of these listed accounts
Consumer complaint received 2023-03-01
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. (GA)

Dear CFPB, I am writing to dispute the accuracy of the information on my credit report regarding a fraudulent account. XXXX XXXX  Reported : XXXX XXXX, 2022 + {$110.00} Closed XXXX Reported XXXX XXXX XXXX, 2022 + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, 2022 + {$610.00} Closed XXXX XXXX XXXX XXXX XXXX is appearing on my credit report, but I have never opened an account with these bank. 

This error violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Electronic Fund Transfer Act ( EFTA ). The FCRA requires that credit reporting agencies and furnishers of credit information ensure the accuracy and integrity of credit reports. The FCBA requires creditors to promptly investigate and correct billing errors upon notification. The EFTA provides protections for consumers regarding electronic fund transfers. 

I am extremely concerned about this matter, as it is causing significant harm to my credit score and financial wellbeing. This is unacceptable, as it violates my rights under federal law and puts me at a significant disadvantage in obtaining credit on favorable terms. 

I have tried to resolve this issue with all of them to no avail, and I have also filed a police report regarding this fraudulent account. I have attached copies of the police report and any other relevant documentation to this complaint. 

I am requesting that you take immediate action to investigate this fraudulent account and work with the credit reporting agency to have it removed from my credit report as soon as possible, as required by the FCRA and CFPB regulations. This account is causing significant damage to my credit score and making it difficult for me to obtain credit at favorable rates. 

I am counting on your assistance in resolving this issue quickly and efficiently. As a consumer, I have the right to expect that my credit report is accurate and complete, and I expect the CFPB to vigorously enforce federal laws to protect consumers from such fraudulent activities. 

Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX ]
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number # 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 2023-02-28
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 instruction
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

MY DIRECT DEPOSIT ALWAYS DEPOSITS ON A TUESDAY NO LATER THAN XXXX! IT'S NOW XXXX AND I DON'T HAVE MY PAYCHECK. CHIME IS BEING UNRESPONSIVE AND LYING TO CUSTOMERS ABOUT THEM NOT BEING DOWN.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information that is NOT the following : My name is XXXX XXXX. Please delete any other references to names as they are not mine and I have never used any of them. 

Also, please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

Lastly, my phone number should be listed as ( XXXX ). 

Please mail me a new report when you are done updating my correcting my information so I can verify its accurate. 

Thank you, XXXX XXXX.
Consumer complaint received 2023-01-19
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. (TX)

My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

15 USC 1681 Section 602 States I the right 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 15 USC 1666B : A creditor may not treat a payment on a credit card account under aopen-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

the information reporting on my consumer report i requested that this account get deleted from my report because it is innacurate and not correct information for me : AR CHILD SUPPORT - XXXX XXXX XXXXXXXX the account is is listed above and the credit consumer company is violating several laws and has refused to remove the information numerous times 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 2023-01-15
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 XXXX account XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (LA)

XXXX formerly XXXX stated I owed the a debt of {$99.00} for service after they forgot to cancel my service after I called and told them to cut it off. They sent the debt to collections. After I filed an FTC complaint I received a call from their corporate office stating it was a mistake and was sent a letter saying the debt was forgiven and no payment was owed. Since then I have continuously gotten calls up to 10 times a day trying to collect this debt. Each time I provide the debt collectors with the letter XXXX gave me they just sell it to a new collections agency. The current holder of the debt is Collection Bureau Hudson Valley
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

To whom it may concern, I am filing this complaint in reference to unauthorized withdrawals from my checking account. On XXXX XXXX I was charged by XXXX for three separate amounts.The first charged was at XXXX XXXX for the amount of {$44.00}, the second charge was at XXXX XXXX  for {$100.00} and the third was at XXXX XXXX  for {$74.00}. All of these charges are made in the state of California. I live in New York and can provide additional proof that I was not in California. The total amount of unauthorized withdrawals is {$210.00}. I immediately contacted my bank and canceled my debit card that was used for these transactions. I spoke to a representative and he was of no help. He said that they had to " investigate '' and will get back to me. A few days later the bank did reimburse me for the total amount. However, just this week they took the money back. I did contact XXXX to also dispute the charges. 

Unfortunately, this is not the first time there has been an issue with my bank, My husband and I are in the process of switching over to another bank. Our account has now been overdrawn. It is completely unacceptable and unfair. I can provide additional information if needed. 

Thank you!
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Impersonator tried to open a bank account ( Bank of America ) and trading account ( XXXX XXXX ). Called XXXX and had both applications cancelled by the companies. When checking to see who else I should notify, XXXX advised telling the FTC.
Consumer complaint received 2023-02-28
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: HW Holding, Inc (TX)

Hunter Warfield is reporting into XXXX XXXX inaccurate information that was removed from my XXXX report due to Identity Theft in XX/XX/XXXX and XX/XX/XXXX. I was denied housing on Friday, XX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted Hunter Warfield. They advised Accounts # XXXX XXXX XXXX XXXX {$490.00} # XXXX Commons of XXXX XXXX {$150.00} # XXXX XXXX XXXX Apartments {$180.00} were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.