davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

I've had my account locked, I tried resetting my password with all correct credentials no luck, called and waited XXXX to finally get a link to reset my password only for it to tell me my credentials are incorrect despite the rep on the phone verifying all was correct, now on phone waiting over an hour to get a rep again! This is ridiculous people don't have all the time in the world to mess with this XXXX at most I can see waiting 20 minutes but 1 hour is insane! I just want to pay my bill that's due the XXXX! I can't call it in because they only do online billing!
Consumer complaint received 2021-06-16
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)

I have called Equifax repeated ly from XXXX to XXXX XXXX to dispute an auto account with XXXX XXXX auto finace on the payoff on XX/XX/XXXX. Where XXXX  XXXX auto fince was over paid on XX/XX/XXXX was not late I sent them all the documentation proving my point the pandemic had started on XX/XX/XXXX there was a Stay at home order issued in XXXX Florida I traded my car into XXXX XXXX XXXX They overpaid the payoff by XX/XX/XXXX to XXXX XXXX in California. XXXX XXXX Auto is trying to ruin my credit They refuse to correct the error NEVER have I been late on any car loan ever I have had many the pandemic caused the payoff to get there by end of the month when the payoff was still good and in fact overpaid XXXX XXXX sent an overpayment check to me XXXX for XXXX. I was never late on the payoff my car was traded in Nobody was at work due to pandemic they did pay off my car by end of the month before the payoff was due and the pandemic had started Equifax refused to fix this based on all the correct documentation I had provided them twice Now today XX/XX/XXXX, XXXX their representative said they no longer have documents oh well guess your late it stays I have never had an agency behave like this deliberate to ruin my credit these calls are recorded she refused to give me s a supervisor I am a victim of fraud and identity theft I watch my credit carefully. I was never late both Equifax and XXXX XXXX auto are wrong in this matter. I need help I am just a consumer I need the right thing done here. I cost money to make copies all the time I was hurt during the pandemic a nationwide stay-at-home order was issued in XXXX of XXXX. Please help to get the truth out XXXX XXXX auto is a large company and refuses to do the right thing so does Equifax
Consumer complaint received 2019-11-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$160.00} -This is not my account.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I opened an account with Capital One with proceeds from the sale of my home on XX/XX/22. I happened to look at the account online soon after and it stated that my funds were not available. I contacted Capital One ( who had not attempted to contact me regarding this issue ) and they said that my account was under investigation, that they were severing our business relationship and would not provide any information as to when I would be able to access my funds. 

It has been 45+ days and I have reached out too many times to count and no one will speak with me or return my calls. They will only transfer me back to the " consumer fraud protection '' extension which asks that you leave a voice mail and promises to give a call back within 48 hours. No one returns my calls and I have not received any communication email, written etc. from Capital One regarding the status of my account. 

As a result, I have been forced to rent a home on an interim basis as my funds were not available to purchase the new home I had planned. I am physically sick over this situation and finally someone on XXXX mentioned that they had had a similar situation with Capital One and recommended that I reach out and file a formal complaint with your organization in order to get access to my money. Thank you!
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (MI)

I had two Discover credit cards XXXX and XXXX which I stop using in XX/XX/XXXX due to them moving money from one card to the other, adding charges that were not mind and others. I did a XXXX for law suites against XXXX and noted quite a few of the that required them to pay back their card holder the money that they illegally charged. I did not receive any refunds from then in fact the assed more charges to my cards because I stop using them! They also tried to get money out of my bank and from another credit card that I have! One of many court order that XXXX is not following. The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX.
Consumer complaint received 2022-05-29
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)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, number of months not correct, payment status is innacurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2023-02-06
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. (NV)

I filed a dispute with Experian to have my XXXX account status report accurately as closed in XXXX and XX/XX/2023. XXXX XXXX discontinued its credit card program and closed all consumers accounts. I submitted documentation to Experian and they failed to update the account to closed status for accurate reporting. 

I want this account status updated accurately as closed.
Consumer complaint received 2022-05-29
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. (OH)

All credit Bureaus Has been notified of these fraudulent activities and they have no follow the rules of congress and removed all information listed in FTC and Police report and written letters sent. 

PLEASE HAVE THEM REMOVE ALL ACCOUNTS
Consumer complaint received 2022-05-29
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. (OH)

All credit Bureaus Has been notified of these fraudulent activities and they have no follow the rules of congress and removed all information listed in FTC and Police report and written letters sent. 

PLEASE HAVE THEM REMOVE ALL ACCOUNTS
Consumer complaint received 2021-12-16
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (NY)

Re : XXXX XXXX XXXX, XXXX, MA, XXXX Shellpoint, XXXX XXXX  and attorney XXXX XXXX have claimed that I am responsible for someone elses debt and it is impacting my ability to earn a living, my credit report, and my finances. 

I am not responsible for the note
Consumer complaint received 2022-05-29
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)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2022-05-29
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)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - Policy # : XXXX in effect XX/XX/XXXX - Notice of Service Transfer to PNC Bank XX/XX/XXXX - XXXX XXXX sent non-renewal notice as they have withdrawn from State of XXXX. Extended coverage period offered through XX/XX/XXXX for {$790.00} XX/XX/XXXX - PNC Bank pays {$2300.00} homeowners insurance disbursement from escrow for annual policy. This policy does not exist. 

XX/XX/XXXX - PNC Bank sent Escrow Disclosure Statement with new payment {$1000.00} [ from XXXX ] effective XX/XX/XXXX XX/XX/XXXX - PNC Bank pays {$790.00} homeowners insurance disbursement from escrow for extended coverage. 

XX/XX/XXXX - PNC Bank sent Escrow Disclosure Statement with new payment {$1200.00} [ from XXXX ] effective XX/XX/XXXX XX/XX/XXXX - Contacted PNC Bank explaining that XXXX XXXX has been overpaid {$2300.00} from escrow. Was told it was my responsibility to obtain reimbursement from XXXX. 

XX/XX/XXXX - Contacted XXXX and spoke with XXXX. He acknowledged the {$2300.00} overpayment, and explained it would take XXXX - XXXX weeks to process refund. 

XX/XX/XXXX - Contacted XXXX XXXX agency, who obtained the policy and spoke with XXXX. She reached out to XXXX to escalate refund request, and was also told XXXX - XXXX weeks. 

XX/XX/XXXX - Received call from PNC Bank. I explained about overpayment made by PNC Bank to XXXX for {$2300.00}. Informed they would research and give me callback. 

XX/XX/XXXX - Contacted XXXX about status of refund. Informed it has not yet been processed. 

XX/XX/XXXX - Contacted PNC Bank and spoke with XXXX. Explained once again about overpayment made by PNC Bank to XXXX for {$2300.00}. Stated I would only be remitting payment of {$1000.00}. 

Was informed that partial payments would not be applied to the account, and that to avoid late payment must remit {$1200.00} by the XXXX.
Consumer complaint received 2024-04-04
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: I.C. System, Inc. (MI)

I have something negatively effecting my credit and my name is XXXX XXXX but its for XXXX XXXX and its {$420.00} and I would pay it but I want good credit and its not my best anyways, I just want my credit to go up so I can move out of my moms house and this isnt even my debt but I cant seem to win any dispute. Ive filed with XXXX in XXXX but they didnt do anything. Its through I.C Systems in collections.
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

On or before XX/XX/2019 I applied for XXXX XXXX Credit Cards. My application was denied based on " too many CC opened in the last two years '' I reachout to Chase Bank and asked for explanation and definition of what is it too many CC, Chase refused to define and reply that that definition is a company lending practice and would not be disclosed. I spoke with XXXX XXXX Lead customer service in XXXX Arizona. 

I think Chase denied my application based on my location to be a low income and mostly people of color area ( XXXX XXXX  ). 

I ask CFPB to intervene and stop this illegal practice by Chase which is in reality discrimination in landing practice
Consumer complaint received 2023-06-02
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)

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.

The letters are stated with items and issues.

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 2022-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

Someone hacked my Chime account and started changing my phone number and my password so I didn't have access to my account. I called chimes immediately and told them the person who made those changes wasn't me and that I needed to speak to fraud department. They told me they didn't have a fraud department but that they had placed a freeze on my account. They then said to send copies of my driver license, social security number and to email a picture of myself ..... I email them all these information multiple times and I called to see if they had received it and they kept saying they didn't received anything. I told them I have the proof I have sent all the information multiple times and they wouldn't respond to me, they ended up closing my account, they didn't send me the money that was left in my account like they said they would and they left a horrible report on my credit report as if it was my fault that someone was doing fraud and they couldn't do anything about it!
Consumer complaint received 2022-05-29
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: Experian Information Solutions Inc. (PA)

XXXX XXXX has responded to prior complaints that I have set forth with CFPB. Both complaints outlined the issue directly yet XXXX failed to respond accurately and actually contradicted itself in both responses. 

XXXX  account number XXXX is a corporate account for A company. The company was cosigned for by myself. The account never showed up on my personal credit recording until the company fell on hardships and ultimately went under due to a customer not paying the company roughly {$1.00} XXXX. Regardless of the circumstances on a personal level I caught up to reach a settlement with XXXX on resolving the corporate failure to pay. As terms of that settlement XXXX agreed to remove the trade line info from my personal credit history once payment agreed to was made. XXXX terms were that payment must be made to them in certified check form for the amount agreed to an overnighted to them. They also requested we scan a copy of a check along with tracking numbers the day it was sent out, we did exactly what they asked for as part of the agreement. 30, days later we noticed not only was the account show as late payment even a month after they were paid but XXXX claimed to have no records of the payment. We needed to go to our bank and request proof XXXX cashed the check. That transaction came back as cashed XXXX. Once we showed proof to XXXX they then agreed to update the status however have now stated they will not remove the tradeline meaning they didnt get the teems of our agreement with them on resolving an account held be a company year being paid for and resolved by a co signer. 

XXXX came back to CFPB In complaint XXXX stating payment wasnt paid even thought it showed it was paid a month earlier. They then gave a response to complaint number XXXX saying it was paid however still not keeping to the terms of our Mutual agreed to agreement in regards to removing the tradeline in full from the credit report. 

I am asking the CFPB investigate into XXXX for the fraudulent practices they commited in Deceiving me while I was under the impression they were acting in good faith while working out the settlement agreement.
Consumer complaint received 2022-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (GA)

PayPal held onto {$5000.00} they deducted from my account. Per their terms, they called my negative balance of ( {$5000.00} ) a deficiency balance of which they sent me collection letters. I asked PayPal both by phone and in a letter to validate the debt as a balance I owe. They did validate the debt via letter. Days later, they credited my account the entire balance because I did not owe it. Come to find out, PayPal had been holding on to the {$5000.00} the whole time. Clearly, this undermines the legitimacy of validation letters for all who use them properly. Being with PayPal for XXXX years, I had agreed to XXXX 's terms and then to PayPal by means of a negative option XXXX interface. The business model PayPal follows is one of inconvenience to consumers but extremely profitable to PayPal 's bottom line. They have " hold times '' where they put consumer money into interest accounts while the consumers pay fees and wait for as many as 180 days for the release of their hard-earned money. 28,081 consumer complaints were made with the XXXX  in only the last three years and nearly 9,000 in the past 12 months. Please see all my submitted paperwork for further details.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (IL)

I noticed unauthorized accounts on my consumer report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I disputed the reporting on my credit file. That dispute letter will be included as evidence. I requested Transunion to correct or delete information reporting in error on my credit file. I have disputed prior following all the steps and transunion refuses to remove the wrong information on the following accounts. XXXX is reporting last payment made XX/XX/XXXX and reporting on time payments XX/XX/XXXX and XX/XX/XXXX. This information is inaccurate. From XX/XX/XXXX through XX/XX/XXXX " no data '' is reported this information is incomplete. XXXX closed date XXXX XXXX while reporting 120 days past due in XXXX XXXX this is inaccurateXXXX XXXX  account is reporting last payment made was XX/XX/XXXX while reporting on time payments XX/XX/XXXX and XX/XX/XXXX. This is inaccurate reporting. XXXX XXXX XXXX is reporting last payment made XX/XX/XXXX while showing on time payment for XX/XX/XXXX. This is inaccurate reporting. XXXX XXXX is reporting open, the account is closed. Lease ended 38 months after purchase date XX/XX/XXXX, XXXX this is inaccurate. Last payment is reporting XX/XX/XXXX while reporting " no data '' for this month. From XX/XX/XXXX through XX/XX/XXXX no data is provided. This is an incomplete report.