davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
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)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, TXXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Hi I used PayPal on XX/XX/XXXX to receive funds from a buyer for some furniture that I was selling. The buyer sent the funds to my PayPal account XX/XX/2020 Payment from " Buyer name removed ''. PayPal has held the money stating that the amount of money sent to me was unusual for the sender. That said, they have had twenty days to contact the sender to verify that the sender had intended to send the money. They have done nothing and have not released the funds to me. 

They are totally unresponsive through the PayPal customer chat service.
Consumer complaint received 2020-12-30
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. (WA)

I noticed an account on my credit that was inaccurate ( XXXX XXXX XXXX ). I sent a dispute to the the company, but the address listed on the credit report was inaccurate and the dispute was returned to me as undeliverable.

It's not legal for an account to report inaccurate address, so that a consumer is not able to dispute the account.

It's been over 30 days and the account is still reporting negative information to all 3 bureaus.
Consumer complaint received 2020-03-05
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: Experian Information Solutions Inc. (LA)

The following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.
Consumer complaint received 2022-12-13
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. (GA)

Attempted to open a credit card with XXXX XXXX. XXXX XXXX queried Experian for my credit report. Experian is reporting to XXXX XXXX that my credit is delinquent or on a payment plan. This is wholly in accurate and is not even visible on Experian credit report.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OK)

On XX/XX/20 I attempted to make an online payment using the American Express website. I had around {$75.00} posted to my account. When I clicked make a payment the only option that was available was to schedule auto pay for the due date. 
I contacted Amex, via their message system. They told me they didnt accept mid cycle payments and that I had to wait for the statement to post thus costing me daily interest. 
However, the card agreement states payments made online will post the same day. Amex intentionally removed payment options preventing me from paying my balance until after a statement is created. 
I demand the points I forfeited by closing the account, refund of the purchases made on false advertising practices by Amex, compensation for hurting my credit report by opening the account and closing the account, and the interest Amex made on this anti consumer practice refunded.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

I purchased a service using my debit card through PNC bank. This service was never performed so I reported the unauthorized charge to PNC. PNC then accepted fraudulent evidence to clear the purchase authorization and avoid returning my money. To this day I have not received what I paid for.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC (CO)

My XXXX  at XXXX XXXX XXXX XXXX ordered an XXXX in XX/XX/2019, which was pre-authorized by XXXX, a third party hired by XXXX. I had the test which cost {$2600.00}. Unfortunately, XXXX submitted the claim using an incorrect care provider code. XXXX refuses to honor the pre-authorization and sent this bill to their debt collectors at Credit Service Company. I was incessantly bullied by the debt collectors into paying {$320.00}. This bill is still under review after 19 months and has been reported on my credit score. I have documentation from my insurance carrier XXXX that I am not responsible for this bill.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

I received a new Citi XXXX card, happy that I will pay no interest for the first 18 months. Now that I have received a few bills, I see that Citi intends to make money during that time by charging me late fees in error. I just received my XX/XX/2020 statement and it includes a {$35.00} late fee alleging that my XX/XX/2020 payment was past due. I received email confirmation from my bank, XXXX XXXX XXXX XXXX XXXX, that my {$160.00} payment - well more than the minimum due - was sent to Citi on XXXX XXXX, the date my payment was due. Citi alleges they did not process that payment till XXXX XXXX, but that is beyond my control. I use my bank 's online bill pay service to pay a number of accounts, and only the Citi account charges me a late fee. According to the national credit bureaus, I have an exemplary record of on time payments. I would like CFPB 's assistance in removing this {$35.00} charge from my bill, because my XX/XX/2020 payment was not late. I also would like you to compile complaints such as mine because these fees can rise over time, triggering an increase in the interest rate once this account begins to charge interest.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

My mortgage was transferred to SLS from XXXX in XX/XX/2019. Per RESPA, SLS never provided information regarding a fee they claimed was on my account, that I disputed. Yet they immediately threw my phone # on to their " Robo-call '' phone queues. Calls continued, even after I revoked call consent. Calls reached the point where I had to file a TCPA ( Telephone Consumer Protection Act ) suit against SLS. SLS continues to misapply payments. Their escrow dept nearly caused my homeowners insurance to lapse. Their customer service team refuses to speak with me because I hired an attorney for the TCPA suit. SLS shut off my online account access. As of XX/XX/2019, SLS has not sent me monthly mortgage statements. These are additional RESPA violations. Given that SLS 's customer service dept will not communicate with me, I have escalated the matters via direct email communication to XXXX XXXX ( SLS Sr Vice President ), XXXX XXXX ( VIce President - Customer Insight ), and XXXX XXXX ( SLS Vice President ). I will continue to add email new direct management contacts and file complaints. I also strongly encourage any and all who are forced here by Specialized Loan Servicing 's business practices to speak to a consumer rights attorney regarding both RESPA and TCPA.
Consumer complaint received 2020-03-05
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. (TX)

What are the Penalties for Violations of HIPAA Rules? The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} million per violation category, per year XXXX XXXX 20 accounts XXXX XXXX XXXX $ XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (WA)

I have an unauthorized inquiry from XXXX XXXX XX/XX/2020 on and XX/XX/2020 on my Experian, XXXX  and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have an unauthorized inquiry from XXXX XXXX XX/XX/2020 on and XX/XX/2020 on my XXXX, Transunion and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a new account online with HSBC with a {$100.00} direct deposit. A week later, I used their mobile app to deposit a paper payroll check on Friday XX/XX/XXXX. Upon depositing my payheck, HSBC promptly froze my account completely, blocking me out of online access, ATM machines, or anything related to my account. I showed up at the branch to verify my identity and the legitimacy of the check, but they refused to let me gain access to my account/funds and told me I would have to wait until XX/XX/XXXX at earliest before I could gain access, but they're not completely sure. Before depositing my paycheck, there were no indications, warnings, or description of when I'd have access to my funds, that it may be flagged for fraud for x amount of days, or that my account would be completely frozen. 

The documents that they alleged I received, I did not. They didn't just make the funds from my deposit unavailable, they also made other funds that had already been approved and available unavailable in addition to freezing me out of my account completely. When making the deposit, nowhere on the deposit page did it make it known when my deposit would be available as required.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2020-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

6. I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from AFFIDAVIT attached ) *****
Consumer complaint received 2020-03-05
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX and I live in North Carolina. 

I recently pulled my 3 credit reports and see that there is a bogus address tied to my name and or my social security number. I do not know to what extent the potential fraud exists. Someone has attempted to add an address in the XXXX, NY to my name. The fraudulent address is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX. 

Will you please help me to determine how to remove this address from my credit report and to assess the damage done to my personal data. Thank you.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My XXXX  home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent XXXX Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Consumer complaint received 2022-12-24
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX  have 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 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (NJ)

After reviewing your postal mail letter I get the feel that I might not have explained things well enough. The XXXX XXXX policy dated XX/XX/XXXX that I originally sent you ( you can check the attachments online ) and you sent back to me has a legal description that is not anywhere close to the deed 's legal description. Outside of the wrong location the policy that you mailed me does NOT call out the seconds the policy contains only the degrees and the minutes and has no seconds in the legal description which means that the accuracy of the insured location without seconds means that the subject property could be several house away or even several blocks away. I attached the XXXX policy I picked up at the XXXX XXXX office in XXXX XXXX on XX/XX/XXXX and that policy also shows only minutes and degrees with no seconds meaning that the location could be blocks away from my house. In addition the legal description on the deed is very different. 
I looked all over and finally found the legal description page from the original purchase title policy and the legal description matches the deed. I remember getting a phone call from XXXX XXXX who asked me to locate the title policy and call him back. I located the policy and called him back and he told me to destroy that copy because it will cause confusion and faxed me another copy on XX/XX/XXXX. XXXX went as far as calling me back and asking where the page was and I told him in was in the garbage and that I should tear it up and I told him that I would tear it up. I grew suspicious when I hung up the phone and took the page out and put it aside, so there is the original. I am not sure if you are aware of the phone tampering and caller ID spoofing, call interception and voice impersonation I have been subjected to but it is clear I am being embezzled and I get the feeling that my problems started when I bought the house. Please take a look at all three attachments and PLEASE send me back a copy of the title policy with the insured location with an acceptable legal description that includes the degrees, minutes and seconds.
Consumer complaint received 2020-03-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial (TX)

On XX/XX/XXXX, my brother informed me that he received a very harassing call from a legal group about a lawsuit against me ( please note that I have never given my brother 's information as a reference to anyone ). I called the number - XXXX XXXX XXXX XXXX - and spoke to a gentleman with XXXX XXXX XXXX. He stated that he represents Spot Loan regarding an unpaid payday loan from XXXX. I said that they have never called me and he said that even though they have my phone number, they do not legally have to call me - they can call whoever they want to embarrass me ( his words exactly ). He stated that a letter was mailed to me in XXXX - I have never seen a letter - and that now legal action would be taken and they will contact my place of employment on XX/XX/XXXX to start garnishment of my wages. No other specifics about the loan were given other than it will now cost me more than {$2000.00} to resolve this. He was very rude and ended up yelling at me so I hung up on him.