davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2021-11-15
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. (AL)

I have been writing to XXXX XXXX and the credit reporting agencies for months disputing the incorrect reporting that XXXX has put on my credit reports. XXXX is reporting late payments for months after my account with them was paid in full and closed. I received letters from XXXX stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to XXXX to be sure that they received it. I have written to XXXX XXXX dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). XXXX absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. 

I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Consumer complaint received 2018-09-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello My Name Is XXXX XXXX XXXX Birthday XX/XX/XXXX Iam A Us Citizen I Couldnt Open A XXXX  Checking Account When I Went To The Branch They Mailed Me A Paper To My Home And It Says My Credit Score Is XXXX it Says The Key Factors Is Because Too Few Mortgage accounts and length of time most recent collection has established is too short/ to many serious derogatory items /total amount past due or collection amount is too high and I Never Took Out Loans From No Where I Also Never Owned A House I Never Owned A Credit Card From No Where Everything I Ever Brought In My Life I Always Paid Cash For It I dont Have no Bank Accounts I Use To Have Bank Of America And XXXX  But My Cards Was Lost To Them And I Asked Them To Close The Accounts Thats At The Time When My Oldest Daughter Was Living With Me XXXX I Dont Own A vehicle I dont have a job Im a XXXX XXXX XXXX with a XXXX XXXX With XXXX Other Children That Also Live At Home With Zone I Caught My Oldest Daughter XXXX XXXX Age XXXX Going Threw My Important Papers And Since And Every Since I Caught Her I talked to the police about it and they said that it aint Identity theft because she didnt steal my ID or social security card I caught her with all my information writing it down then she ran Out The House And I Didnt No What To Do About All This I Really Need All This Cleared Up Because this is Not My Doing I Obey The Law Please Can Your Company Clear This All Up Because I Would Like A Bank Account But They Saying I Cant Have One Because of All This I Need For This To Be Cleared Up As Soon as Possible Thank You Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I opened a HSBC USA bank account on XX/XX/XXXX, then when I tried to make a transfer after few day, HSBC called me to verify all the information. After that, HSBC tell me they decided to close my checking account, that is really bad, I am the HSBC customer for over than 6yrs in other city, my family banking with HSBC over than 30 yrs.

After they decided to close my account, they said someone will contact me shortly, but i never receive any notice from HSBC.

After 20 day they decided to close my account, they still not close my account, but not allow me to access my account and fund.

I contacted HSBC so many time, they said we don't have the exactly time when your account will be close, and your remaining balance will be return to you after your account has been closed? What is that? They don't know when will be close????? The money will not release to you until your account has been closed???? So the bank can freeze their customer money whatever how long they want? How stupid is that????? 

HSBC XXXX really means XXXX? 

PLEASE HAVE A VERY CAREFUL CONSIDERATION BEFORE YOU DECIDED TO BANKING WITH HSBC, SO MANY INTERNATIONAL BANK IS BETTER THEN THAT!
Consumer complaint received 2021-11-15
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: BOK FINANCIAL CORP (OK)

In XXXX I received a call .it was from scammers that pose as loan company I believe it was XXXX XXXX so chase froze my account due to suspicious activity. Okay that's when I was able to apply for a bank account with Bank Of Oklahoma so I deposit money to my account so every month on the XXXX of XXXX I get call from the bank teller and he tells me that I didn't have any babies I replied yes it do so right then and there I was told that the relationship ends on the XXXX of XXXX I cried about not being able to care for my family of 7years that something u just can't throw under the bus next thing I know I can't get help with money then one of the consumer shows me this report it has all my business for the world to see l was so upset I was not aware of this and nation wide at that I know my rights but this is dead wrong to come across with all my personal information out there for the world to see.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (AR)

I have never done business with this company and I did not give them any of my personal info that they have. They are a 3rd party business that bought my info illegally. I have been a victim of identity theft and I have no business with them or their person they bought my information from. This needs to be legally handled.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

After receiving my consumer report from Equifax, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating claim and disputing the fraudulent inquires and accounts. Equifax is still reporting the negative/inaccurate accounts on my consumer report. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Equifax willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Equifax is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I contracted with a home builder to build a new home. The mortgage company ( Citizens Bank ) requested that I let them know when the house is 75 % complete so that they can order the appraisal. On XX/XX/XXXX, I notified them that the house was XXXX % complete. I do n't know exactly when the appraisal was ordered, but I learned the day before our scheduled closing ( which was to be XXXX/XXXX/15 ) that there were problems with the appraisal, and the appraiser needed to complete some steps before closing. 
I managed to track down the appraiser 's email address and phone number, and contacted him to complete his appraisal. According to the appraiser, he did his appraisal, submitted it, fixed it upon request from Citizens Bank, and re-submitted. 
Citizens Bank did not have their job complete for our scheduled closing on XX/XX/XXXX, so the closing was delayed. I then had to reschedule appointments and deliveries that were to be handled on XX/XX/XXXX. I delayed them to be the next day. I also learned that the builder has a {$500.00} per-day fee that they will enforce for closing delays. They waived the fee for the first day delay. 
Since XX/XX/XXXX is XXXX, and a bank holiday, no progress was made that day. But we were assured it would be handled Thursday, and we could close Thursday afternoon. 
Mid-day Thursday, it became apparent that the closing would n't happen Thursday either. I again rescheduled appointments and deliveries from Thursday to Friday. By the close of business on Thursday, I was told that the appraiser still needed to submit some information to the bank. So essentially - no progress was made Thursday, either. 
We rescheduled the closing for Friday at XXXX. Early Friday morning, I drove to the house to take pictures that the appraiser needed to submit, and sent them to him to help move the process along. It is now noon on Friday, and the appraiser just told my real estate agent that he just now heard that he needs to submit pictures. It 's clear that we will not be closing today. I have family coming from out of town tomorrow to help us move, and it seems we will not be able to do that. There are now more deliveries that I need to reschedule again, certainly with financial penalties at this point. 
From my point of view, there has not been any progress on the appraisal since last week. The appraisal was ordered so late that it needed to go perfectly to avoid delaying the closing. But it did n't go perfectly. There were problems, still unresolved, and nobody can say when the closing will happen.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (IL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-15
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 have been disputing errors found on my credit reports with XXXX, XXXX, and TransUnion since XXXXXXXX XXXX XXXX. There are misspellings of my name, addresses I have never lived at, and accounts that are not mine listed. I have disputed with the bureaus via certified mail on a monthly basis. Despite my many attempts to have the errors removed/updated I have not gotten the investigation results that the bureaus are supposed to send in the mail. Without these results, I am unaware if an investigation was completed, or how they verified the information if it was. This in itself is a FCRA violation and warrants the removal of these errors. I will also list the errors below for your convenience. Please see the attached documents for further in-depth detail regarding the accounts in dispute : 1. XXXX XXXX XXXX XXXX XXXX Not my account 2. XXXX XXXX XXXX XXXX Not mine, and is falsely reporting as an open account which is a FCRA violation 3XXXX XXXX XXXX XXXX XXXX  Not mine , and is also falsely reporting as an open account which is a FCRA violation 4. 2 XXXX accounts- Neither account is mine and I have not seen validation 5. XXXX XXXX XXXXXXXX Not mine
Consumer complaint received 2022-04-11
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)

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 reportina agenc can not furnish a account without my written instructions
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX I got an email stating I would no longer be able to use PayPal, in any regard. When I called the support center on XX/XX/XXXX they told me they would tell me nothing about why they were banning me. I use PayPal for the occasional online purchase, and to deposit rent money from roommates. After reading the legal and user agreements, I am unable to find any transaction which would result in this banning. My largest complaint as of now is that while I can log into PayPal, I can not remove my credit cards or checking account. This is worrying to me because my PayPal was hacked once before and if Im no longer using it, and they wont allow me to do any transactions ( be it shopping or between friends ) there is no reason for them to hold on to my financial information.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (OK)

On XX/XX/2024 I deposited an amount of {$1200.00} into my SoFi saving 's account from my XXXX account. The deposit name reflects XXXX on the statement which is short for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' who is used for XXXX accounts. The XXXX account was setup for me by my workplace " XXXX XXXX '' and is in my name. Later on XX/XX/XXXX or XX/XX/XXXX I set-up direct deposit with Sofi  which constitutes me switching from my previous bank XXXX XXXX XXXX XXXX to SoFi as I figured SoFi offered more and is a better alternative for my financial service provider. I performed another deposit from my XXXX account on XX/XX/2024 in the amount of {$400.00}. The deposit name matches the first deposit I made from XXXX ( XXXX ). The deposit cleared on XX/XX/2024, but on XX/XX/2024 XXXX froze my account. I called and spoke to someone to aid in unfreezing my account but all that person told me was my account was restricted due to the deposit not being in my name. They weren't able to explain other than that the deposit name doesn't match my name. I informed them that it was a deposit from my investment account and the investment account is in my name. The person informed me that she would turn in my request for review to clear the restriction. XX/XX/2024 I call again because now my direct deposit from my workplace has been rejected due to the restrictions. I spoke with another person and unfortunately I was met with the same lack of care, emotion or understanding as the first person I spoke with. They told me the deposit doesn't match my name. He wasn't able to explain why that matters and I even gave him an example of my direct deposit not reflecting my name which he said would be okay. I have never had a financial institution freeze my account because I deposited money into my account. I would understand fraudulent charges leaving my account, but money deposits? At this point I'm at a loss because it's going to take XXXX days to receive my paycheck, bills are due, my kid 's are running low on food and the stress at this point is piling up. I need help. They refuse to provide a time-frame of how long this will take and as mentioned previously, both associates I spoke with appeared to have XXXX care in the world that this has happened. I understand that it's not them that this is happening to, but customer service is incredibly disheartening considering the reputation SoFi has.
Consumer complaint received 2021-11-15
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: Atlanticus Services Corporation (MD)

The company by the name of " Aspire '' received an complaint in XXXX of this year and agreed to remove the inquiry on my credit report within 60 days. As of today, it is still there and I need it removed immediately. It's been several months. Below you will see my inquiry from XXXX and the previous complaint with their response.
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I was discriminated and treated with disparity by XXXX XXXX. XXXX did not give or serve me properly with my constitutional rights regarding my home mortgage located in XXXX XXXX XXXX, CA. I never received the XXXX packet from them. XXXX violated my due process of the law, I feel and sense that XXXX did this intentionally to harm me. Me and my house are in a judicial sale process by XXXX XXXX.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am doing my best to exercise my right as a consumer to not have my nonpublic information being reported on my consumer report pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I am writing to formally complain about the fee associated with setting up an auto draft for bi-weekly payments. 

To set up bi-weekly payments on the mortgage, the mortgage servicer ( Mr. Cooper ) charges a {$2.00} fee each time a payment is made. This fee is charged each time a bi-weekly payment is made, so monthly, the amount comes to {$5.00}. On months where three ( 3 ) payments are made, the fee being charged is {$7.00} fee. This charging of a fee to make bi-weekly payments seems like a UDAAP Violation, as I am ultimately being charged a fee to " pre-pay '' my loan with bi-weekly payments. Furthermore, this fee would fall into the CFPBs recently expanded definition of a junk fee. When past servicers serviced this loan and past servicers include XXXX, who is NOT a bankthere was not a fee for this service. 

My loan terms currently state that there are no pre-payment fees, and by charging a fee to pre-pay my loan through bi-weekly payments, this practice seems deceptive and arguably abusive to the customer. Over the life of a 30-year loan, these fees calculate to {$1900.00} which is more than a single monthly payment. While I understand there could be a fee if you called in to make the payment on the phone versus self-service online, the bi-weekly payment is an auto draft agreement. 

An additional consideration is that Mr. Cooper services over XXXX XXXX consumers. If we took a conservative estimate of 45 % of customers using a bi-weekly payment structure, then Mr. Cooper is easily charging XXXX XXXX of those customers the fee. Based on an annual fee of {$65.00} per customer, Mr. Cooper is netting over {$100.00} XXXX a year on this junk fee alone.
Consumer complaint received 2022-12-17
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. (FL)

The following account information is incorrect : Name : ( XXXX XXXX ) The following accounts are incorrect : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX The following soft inquiries are unauthorized : XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX Soft Inquiry XX/XX/XXXX EQUIFAX XXXX Inquiry XX/XX/XXXX EQUIFAX XXXX Inquiry
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (PA)

XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months TRANSWORLD SYSTEM INC/XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated TRANSWORLD SYSTEM INC/XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXX XXXX