davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting XXXX different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting 2 different high credit amounts {$7000.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the XXXX that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2023-01-20
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)

On XX/XX/XXXX, I mailed several letters from my place of business at XXXX XXXX XXXX, XXXX, XXXX. Several of these letters contained checks. Within the next two days, 6 of the checks showed up in my online bank account. They had been altered and {$11000.00} was missing from my account. After an extended period of time, CitiBank returned the funds to my account. In the interim, on XX/XX/XXXX, I put a stop payment on check number XXXX, which was confirmed by CitiBank. This check was written to XXXX XXXX ( one of my father 's aides ) for {$500.00}. This check had been mailed with the other altered checks, but had not shown up yet. On XXXX, amazingly CitiBank cashed this check! And it had been altered and increased to {$5000.00}. I didn't discover it and wasn't back in town to register the complaint until XX/XX/XXXX. After placing the complaint, I have called regularly about having the money returned to the account. Each time this is an extended process, usually taking about 40 minutes, to get to the right department and waiting through multiple holds. On XX/XX/XXXX ( 50 min ), I was told by XXXX that it would be returned to the account 5-7 days. Of course I complained that this was a " stop payment '' and should be returned immediately. On XX/XX/XXXX ( 40 min ), I was told it could take between 60-90 days. On XX/XX/XXXX, I was told by XXXX that it should be returned in 5-7 days. On XX/XX/XXXX ( 25 min ), I was told by XXXX that they were still waiting for an answer from XXXX XXXX XXXX Of course I countered with what does that have to do with this, since this was a check that had a stop payment on it. I asked for a supervisor and spoke with XXXX, who said this could take 90 days. I then interrupted and said that this already over 100 days from when CitiBank cashed the check ( XX/XX/XXXX ) and she replied that they count from when the claim was made and I countered again that that is also over 90 days ( XX/XX/XXXX to XX/XX/XXXX ). She just said she would put my complaints into the record. It's obvious to me now that CitiBank is not actively working on this and just keeps pushing it down the road, and since it's firstly a case of them cashing a check that had a stop payment on it, there was no cause for any of the postponement. Their lax security is the cause of these problems. If they are not pursuing any of these criminals, but instead just victimizing their own customers, aren't they doing the stealing and also aiding and abetting criminals?
Consumer complaint received 2023-01-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

PHH XXXXXXXX XXXX Co. 
A normally-processed Line of Credit Draw request for {$45000.00} was direct deposited into my account on XX/XX/XXXX, but then reversed/withdrawn by XXXX on XX/XX/XXXX XXXX A call to PHH, they explained that the loan was at 90 % so HUD is now involved and must approve such payouts. We were also told that a request would be made for those funds to be reversed/redeposited into our XXXX account so they would be again made available. During a call to HUD, they advised they do not have control of this reverse mortgage and referred me to PHH. 
Now its 5 months later, with many calls to PHH & HUD, my monthly statements do not show the {$45000.00} in my account/available to draw. I feel its been stolen, just disappeared. 
During the latest call to PHH the rep stated that a letter explanation s in the process. To date, I have received no such letter and the missing {$45000.00} was not returned to me nor made available to draw. 
Its my money and I need it to pay living & medical expenses. I look for guidance on where to turn. PHH is the most non-responsive company I have ever dealt with. Thanks
Consumer complaint received 2023-02-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICA FIRST FEDERAL CREDIT UNION (FL)

It would seem that either I am not able to communicate well with my credit union or I am not being fully understood. Over a month ago I had asked America First Credit Union for ( 1 ) an investigation into why it seems that I was charged two withdrawal transaction fees for the same individual withdrawal at an ATM and also ( 2 ) change my mailing address to the address that they have on file notarized, but as of yet neither of these things has happened and the latter is causing unnecessary undue hardship as it has taken quite some time and effort to effect what seems to amount to a minor bureaucratic action that should only take minutes to complete. I rely on my credit union to handle matters of fiduciary account management without bias or discrimination. Since I am positive that they strive to do so, I am interested in why these actions are taking so long.
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (NJ)

In order to contact me or any other third party regarding an alleged debt, Spring Oaks Capital LLC must have my prior express agreement. In which they did not have my direct permission to do so. After I instructed them to stop all communication, they continued to provide and disclose inaccurate information to consumer reporting agencies. Reporting to consumer reporting agencies, the mail, the courts, or any other kind of communication is all considered communication and violation of the FDCPA.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

To Whom it May Concern, I am writing to file a complaint against Equifax credit reporting agency for violating the Fair Credit Reporting Act ( FCRA ) by reporting outdated addresses on my credit report. The following XXXX addresses, as old as 18 years ago, are still being reported on my credit report in violation of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the FCRA, credit reporting agencies ( CRAs ) must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' ( 15 U.S.C. 1681e ( b ) ). This means that CRAs must have procedures in place to verify the accuracy of the information they receive from their sources and must investigate and correct any errors that are reported to them by consumers. Additionally, the FCRA requires that CRAs must " maintain strict procedures designed to prevent the reappearance in [ a consumer 's ] file of obsolete information which is blocked '' ( 15 U.S.C. 1681c ( a ) ( 5 ) ). After seven years, the information must be removed from the consumer 's credit report.

Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) of the FCRA specifically pertains to the responsibilities of CRAs in the event of a disputed credit report. If a consumer disputes the accuracy of the information in their credit report, the CRA must investigate the dispute within a reasonable period of time and if the investigation finds that the information is inaccurate, the CRA must promptly delete or correct the information.

I, therefore, request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Equifax for its violations of the FCRA. I respectfully request the CFPB to require an update of my report to reflect the accurate and verifiable address and request the deletion of any information relating to any outdated addresses being reported. I further request Equifax to facilitate a copy of any changes to my report pertaining to this complaint. 

Note : I have attached copies of both my old and new driver 's licenses to facilitate this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Toyota Financial Services continues to LIE and MISLEAD consumers. I have called on numerous occasions only to be given the runaround and refused to provide documentation regarding the account. They will not respond to written letters, with delivery confirmation and lie about not receiving documentation. The account remains a poor remark on my credit report despite numerous attempts to pay or arrange a payment plan to settle the account. Toyota Financial Services, representative XXXX, agent ID XXXX, is just the latest example of the company 's history of misleading, lying, and abusing consumers. Transcripts associated with any account attached to the consumer 's name and credit should be available and accessible for review and legal representation.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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  ACCT # XXXX 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. 

15U.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. 

Experian shows it's a closed account and XXXX XXXX shows it's an open account listed in my credit. This is inaccurate and must be removed my credit.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (AR)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX  XXXX Balance : {$47000.00}
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX Is in direct violation of Fair Credit Reporting ACT 15 u.s.c 1681. This company needs to be held accountable for the violations which has impacted my life in the biggest way.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}
Consumer complaint received 2022-10-04
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. (NV)

In accordance with the fair credit reporting act XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX # XXXX. has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CA)

I requested a student loan refund for a payment made after XX/XX/2020 in order to qualify for loan forgiveness, however ED Financial is being unclear in the timeline for processing the refund and not providing any confirmation for the request
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

Back in XXXX of this year, 2022, I did a balance transfer and made an error, causing me to end up with a negative balance on my Discover credit card. I made some purchases on that card to use up some of that balance but ended up leaving {$160.00} because I wanted to make a transfer back to that card from another higher interest card and use that money to defer some of the fees. 

I come back in XXXX and find that the money is gone. I contacted customer service ( don't remember the exact date ) and they tell me they sent out a check on the XXXX of XXXX. I told them I never received it and they confirmed that the check was never cashed. They said they would put a stop payment on it and send out a new one and I would receive it in XXXX business days. 

On XX/XX/XXXX, they credited and then debited my account {$160.00}. I didn't see this until the end of XXXX ( I don't check my accounts often, I probably should, lol ). Not sure why they would do this. It is now XXXX, and I still have no check. It seems like they are making this harder than it needs to be. Especially since the lady confirmed that the initial check was never cashed and all they had to do was cut a new one.
Consumer complaint received 2022-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (MS)

I contacted H & R ACCOUNTS INC ( original creditor : XXXX XXXX XXXX XXXX ) at the address of XXXX XXXX XXXX XXXX, IL XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$640.00} that is being reported on my credit reports ) and to show proof that this company owns the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NC)

I purchased a house in 2018 and took out a mortgage with PNC Bank. The property taxes on the house were due XX/XX/2018 and PNC did not pay them. I contacted PNC in XXXX and they said they had made a mistake and would pay them immediately. Today I found out they had not paid them. I called them again and they would not tell me when the overdue taxes would be paid or why they had not paid them. 
The loan number is XXXX. 
PNC 's telephone number is XXXX XXXX XXXX.
Consumer complaint received 2023-12-06
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. (MO)

I am writing to express my dissatisfaction with the handling of my credit report and the multiple, unsuccessful attempts to correct inaccurate information related to late open account, and removal of the charge-offs, and late closed accounts. It has come to my attention that despite repeated efforts, these issues persist on my credit report, adversely affecting my creditworthiness and financial standing. 

On multiple occasions, I have submitted requests to correct inaccuracies related to late open accounts on my credit report. However, these corrections have not been reflected, and the incorrect information remains, impacting my credit score negatively. 

I have also noticed inaccuracies regarding charge-offs on my credit report. Despite providing documentation to support the resolution of these accounts, the charge-off status persists, and I have observed no improvement in the reporting. 

Furthermore, attempts to rectify inaccuracies regarding late closed accounts have been unsuccessful. The persistence of this misinformation is not only frustrating but also detrimental to my financial standing. 

I kindly request a thorough and immediate investigation into these matters. Additionally, I expect timely updates on the progress of the investigation, including any actions taken to correct the inaccuracies on my credit report. 

To aid in your investigation, I have attached supporting documentation. I am asking for your assistance to correct these late open account and remove the charge off and late closed in my credit file : XXXX XXXX  XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$11000.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2023-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Person I know sent me {$200.00} on Venmo. 

A couple days later, Venmo debits the {$200.00} from my account because a credit card dispute was opened on the transaction from the sender. Dispute reason was for an unauthorized charge. 

I provide evidence to Venmo that this is not the case, as I have evidence and screenshots of text messages with the sender. 

Credit Card case is closed in Sender 's favor, despite overwhelming evidence that the user authorized this transaction. Venmo does nothing to recover the {$200.00} on my account after debiting it from me immediately. 

Venmo has documentation of this in emails.
Consumer complaint received 2023-02-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (CO)

Mr. Cooper is a mortgage lender/debt collector. They are represented by XXXX XXXX XXXXXXXX. I am a real estate agent representing an estate that was in foreclosure. The property was sold XX/XX/XXXX. The wires were verified by the law firm XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, this property has been sold and debt was paid off. It is still being shown as in foreclosure in XXXX XXXX and they continue to make publications regarding this including one on XX/XX/XXXX and one on XX/XX/XXXX according to public information on XXXX XXXX. They are not working in a timely manner to resolve this. In doing so, the tenant is receiving door XXXX, notes on door etc. I spoke with Mr. Cooper and they would not discuss with me. I spoke with XXXX XXXX XXXXXXXX and was told they didn't have the time to talk with me and this was being resolved. It's XX/XX/XXXX and XXXX XXXX as of today shows a foreclosure date of XX/XX/XXXX. Completely unacceptable to take this long to resolve.