davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-08
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. (NY)

TransUnion is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from TransUnion and also complained with the CFPB about the inaccurate hard inquiry reporting by TransUnion regarding this inquiry, TransUnion purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. TransUnion lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by TransUnion. TransUnion not only lied, but did not perform a reasonable investigation into this issue. TransUnion enabled me to be a victim of identity theft. XXXX XXXX has requested TransUnion to delete this hard inquiry since XX/XX/XXXX but TransUnion has yet to comply. TransUnion needs to immediately remove this hard inquiry from XXXX XXXX from my credit file immediately!
Consumer complaint received 2019-09-08
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. (NY)

Experian is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from Experian and also complained with the CFPB about the inaccurate hard inquiry reporting by Experian regarding this inquiry, Experian purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. Experian lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by Experian. Experian not only lied, but did not perform a reasonable investigation into this issue. Experian enabled me to be a victim of identity theft. XXXX XXXX has requested Experian to delete this hard inquiry since XX/XX/XXXX but Experian has yet to comply. Experian needs to immediately remove this hard inquiry by XXXX XXXX from my credit file immediately!
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I would like to as help to lift the limitation on my account. 

please I need to change my cards and banks, but it is still my own bank account but on Monday I sent two transfers to my bank account. and denied both. 

Last XX/XX/, 2023 Withdrew Funds to a Bank Account it is in XXXX EUR but, i forgot and not aware that should I should convert it? 

the same time the amount in USD I also tried to withdraw to send it to my bank account {$190.00} USD But paypal denied my withdrawal because of the actions from my account that i change bank account that time, Please help me restore my account,
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I made a XXXX purchase in the amount of {$230.00}. I returned one of the items I purchased on XX/XX/XXXX to XXXX. On XX/XX/XXXX the refund in the amount oXXXX XXXX XXXXshowed in my American express serve account but had a merchant hold on it. I called American express serve to asked why a merchant hold was placed on the refund it was explained that the merchant has a 7 day hold on the refund. On XX/XX/XXXX I contacted American express serve to ask what happened to the XXXX refund that had a merchant hold because I did not see it anymore and thar it didn't show in my transaction history. The card issuer stated that I would have to wait another 30 days to receive the refund I asked why and she hung up on me. XX/XX/XXXX I checked my transaction to see if it showed upon checking the refund magically appeared but dated XX/XX/XXXX and the date I purchased items was marked for XX/XX/XXXX. So I contacted card issuer and asked why the refund was marked XX/XX/XXXX when there was a 7 day merchant hold on the refund. I also asked why they had the purchase date marked for XX/XX/XXXX when the purchase date was XX/XX/XXXX. The card issuer responded " The purchase date was made by the merchant and the refund was issued XX/XX/XXXX. I explained that the refund didn't show until the XX/XX/XXXX and that they didn't refund the money on the XX/XX/XXXX because of the merchant hold for XXXX XXXX the refund didn't appear in my account until XX/XX/XXXX. I went back and forth with the card issuer about this transaction and have not gotten anywhere. Because there was no change in my balance I believe the card issuer took my money.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

I, consumer XXXX XXXX send XXXX XXXX XXXX a cease and desist letter on XX/XX/2021 via certified mail with return receipt with the following tracking number XXXX. The letter was sent to Credit Collection Services to stop the actual infringement of my intellectual property rights and federally protected rights pursuant to FDCPA. The letter also stated my remedies and demanding that the activity stop. I entered into a consumer credit transaction with XXXX XXXX. XXXX sent a statement to Credit Collection Services, a XXXX XXXX debt collector, a collection agency, to illegally collect an alleged debt. I consumer XXXX XXXX did not enter into a contract with Credit Collection Services, therefore I do not owe this alleged debt. On XX/XX/2021, when Credit Collection Services contacted me without my permission, I demanded they send me a debt validation letter pursuant to 15USC1692g ( a ). Credit Collection Services failed to send a letter pursuant to 15USC1692g ( a ), thus preventing me from being able to exercise my rights to validate this alleged debt. They instead sent me a last statement and a letter with abusive language.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/21 I was notified by Bank of America of identity theft, that someone used my name to open a bank account which they caught and closed. Currently I only have a Credit Card with BOA and they locked the account for severity. Since then I have spent countless hours everyday, M-F through today XX/XX/21, to regain access to my credit card account. I have a balance due and now a late payment and they will not give me access to view the changes and pay the bill. I have spoken to the fraud department, customer service and have going into two branches and not one person is all to resolve this issue. Meanwhile BOA is negatively impacting my credit due to their negligence.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (GA)

On XX/XX/2021, I realized that two duplicate payments of {$370.00} is showing on my Transaction billing and payment history for my Indigo Genesis FS Card Services account. Please see attached :
Consumer complaint received 2021-12-20
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: Experian Information Solutions Inc. (CA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2015-05-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

RE : XXXX XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau : Presently I am long term unemployed ( $ XXXX/year from employment XXXX ), NO Transportation, threatened homeless, and SISTER PHONE XXXX. On XX/XX/XXXX, I walked into Citizen bank ( located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX ) and CLOSED OUT MY XXXX DEPOSIT CHECKING ACCOUNT NUMBER XXXX, after GETTING ALL MY CASH. 

I am writing because I did not receive any formal documentation stating closure of the account only a withdrawal receipt. In the past, I have walked into banks to close accounts only to find out years later the bank employees actions proved to be disingenuous and they DID NOT DO THEIR JOB AND HONOR THE ACCOUNT HOLDER/CUSTOMER 'S LEGAL REQUESTS AND CONCERNS. 

For example, in XX/XX/XXXX I walked into XXXX Bank ( located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX ) and closed out accounts with ZERO BALANCES, only to have the bank allow post-closure unauthorized activity leading to delinquent amounts which the bank subsequently charged off and ERRONEOUSLY ATTACHED TO MY GOOD NAME. XXXX bank then refused ME, XXXX, any information in reference to what was charged and who charged the delinquent amounts. I attempted to reason with XXXX bank employees to properly inquire about the account I CLOSED and STRONGLY ADVISED XXXX bank to provide the name of the person ( s ) responsible for unauthorized account activity and REMOVAL OF DELINQUENT ACCOUNTS IN MY NAME OUT OF CHEXSYSTEM to no avail. 

Again, once made aware of delinquent charged off amounts in My Name on XX/XX/XXXX, I walked into a local XXXX bank branch ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) to discover the facts. Until XX/XX/XXXX, I had no knowledge of XXXX bank delinquent amounts. Again, on XX/XX/XXXX after discovering the information from a different bank Authority, and I walked into the XXXX bank XXXX bank branch on XX/XX/XXXX and XX/XX/XXXX to reason, clarify, and calmly resolve. I have contacted all phone numbers provided by XXXX bank to RESOLVE THEIR ACCIDENTS\MISTAKES ; however, XXXX bank 's resolution involves allowing CONTINUED UNAUTHORIZED ACTIVITY BY ALLOWING AN UNAUTHORIZED PAYMENT FOR AMOUNTS I DO NOT OWE AND REFUSING REMOVAL FROM THE CHEXSYSTEM. I have requested the name of the person ( s ) who ( XXXX ) allowed the unauthorized payment and ( XXXX ) person ( s ) who made the unauthorized payment. The bank refuses to disclose thot information WHICH IS ILLEGAL. In addition, to this day, XXXX bank has not made PAYMENT TO ME, XXXX XXXX XXXX, for XXXX XXXX certified bank checks ( check number XXXX {$210.00}, and check XXXX {$70.00} ). 

I WANT TO ENSURE THOT DOES NOT HAPPEN EVER AGAIN AND I WANT ALL MY MONEY. Please ensure Citizen bank account is properly closed out so NO DELINQUENT AND FRAUDULENT amounts from unauthorized access, XXXX are illegally charged off, and then attached to MY EXCELLENT NAME.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

CREDIT COLL has been reporting a collection on my account in the amount of {$490.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Consumer complaint received 2019-12-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2019-11-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Eastern Accounts Systems has 4 accounts under my name. 2 of the 4 accounts has been paid off and are still on my credit report. The 2 accounts are XXXX XXXX XXXX the amount of {$100.00} was paid off. Also, XXXX XXXX XXXX the amount {$98.00} was paid off as well. The other two accounts that are stated I owe a balance are XXXX XXXX XXXX in the amount of {$98.00} and another amount of {$480.00}. I have been disputing the two accounts for the past few years. The amounts are not what I owe based on the insurance I had with a previous employer. I have mentioned this to Eastern Accounts Systems for the past few years.
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION ()

This refers to my previous complaint - Truist Case # XXXX CFPB closed the case after Truist wrote you that they reached out to me. 
As I related in my feedback, XXXX XXXX sent me another XXXX sets of application forms for a wire transfer PIN which I returned to them on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from XXXX XXXX, the branch manager, saying he had filed the details electronically and that I would receive confirmation within a few days. 

On XX/XX/XXXX, I emailed XXXX XXXX querying why nothing was happening and stressing that I was now being stretched financially due to not being able to access my account. 
I copied that email to XXXX XXXX on XX/XX/XXXX, but to date I have received no reply from either party. 

XXXX, XXXX I called XXXX XXXX XXXX and left a message on her voicemail but got no response. 

XXXX XXXX XXXX Assistant Vice President Client Resolution Senior Specialist Client Advocacy XXXX XXXX XXXX, VA XXXX XXXX : XXXX Direct : XXXX I am rapidly running short of funds - can you please help me
Consumer complaint received 2023-02-17
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. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a Definitions ; rules of construction.

Sec ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Sec ( A ) subject to section 1681s3 of this title, any Sec ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

The second rule I will be filing and disputing with you is from 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Sec ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Sec ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The third rule I will also be filing and disputing with you is from 15 U.S. Code 1681n - Civil liability for willful noncompliance Sec ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (SC)

I received a card from AMERICAN EXPRESS. Days after the card had a hold placed onto it. I had to go through a process to get it lifted. After getting it lifted I tried to resume using it, yet transactions were still declined. I followed up with them again to be told that I dont have a preset limit, but that Ive reached my limit .. at only {$2100.00}?? I am aware of the consumer credit transaction process and I know that nothing was lended to me and only I, the consumer is using an extension of my own credit. 12 usc 83 says that they cant loan a thing! 12 usc 1431 they are in fact borrowers. 15 usc 1602 L - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. - that means the social security card number that was required to be given is in fact a credit card per federal law. 15 usc 16675 The terms security and security interest mean any interest in property which secures payment or performance of an obligation. 15 usc 1602 m The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. According to 12 CFR 1002.2 an account means an extension of credit. Referencing to the social security card account number.. 15 usc 1602J this account is an open end credit plan.. XXXX stated they only use the social security card number for identification purposes but the SSA clearly stated FOR SOCIAL SECURITY PURPOSES NOT FOR IDENTIFICATION. XXXX clearly and repeatedly stated that they have lended me money and that was very false and misleading 15 usc 1611. She then stated that they lended me credit and thats very deceptive as no financial institution can lend their own stock credit and I in fact know I am the one whom extended credit. I am aware that this financial institution is receiving federal funding and trespassing against the consumers estate and LIMITING I, the consumers benefits.
Consumer complaint received 2021-12-20
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. (IL)

On XX/XX/XXXX, I attempted to pay off the balance of a loan in exchange for the contract and remaining balance of the loan. I requested this information by XX/XX/XXXX. I did not receive a response. I sent another letter on XX/XX/XXXX extending the offer to XX/XX/XXXX. My letter was still ignored, which translates to the company refusing payment. On XX/XX/XXXX, I sent letters to XXXX, XXXX, and Experian informing the reporting agencies of the past mistakes of the company such as misreporting, and repossession of my vehicle. XXXX XXXX XXXX is now reporting a delinquency to the credit reporting agencies. I sent the credit reporting agencies copies of the letters and certified mail receipts to investigate. I was informed by the Experian dispute representative that they sent over the documents to XXXX, opened an investigation on XX/XX/XXXX, and closed it on XX/XX/XXXX because XXXX verified the information they were reporting was correct. I was also told by the Experian dispute representative that they DO NOT have to obtain proof from the furnisher regarding any item that is disputed by the consumer, as that IS NOT their job. XXXX XXXX XXXX verified the information to be correct without providing any proof adverse to the documents I sent in for the item to be removed from my account.
Consumer complaint received 2021-12-20
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. (FL)

I have been trying to resolve this issue with the XXXX bureaus for months in this account XXXX XXXX  XXXX {$18000.00} Account number XXXX. At one point the XXXX bureaus reported it as being in collection for XXXX month then they reported it being late and now closed. I have never been late as I take this matter seriously. I have requested by certified mail for the XXXX bureaus to provide full validation under FCRA and also requested them to provide documents on the company right to collect or deem its late. I have not received any such documentation. Because of this inaccuracies, I can't apply for a home loan. All my children are an adult and I have even continuously provided {$200.00} per month to help them out.