davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response.
Consumer complaint received 2024-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (TX)

The annual review of my escrow I dicated a shortage amd my monthly payment was raised to cover the shortfall. I was never notified of this shortage, the increase of my monthly payment, or the ability to pay the difference. I happened to login to my account and notice the charges and a dashboard message with option to add to escrow and avoid the new monthly payment amount. I subsequently made a payment to escrow for more than the required amount well before the due date. Flagstar took the new full amount including the escrow shortfall addition for the XXXX monthly payment despite my providing more than enough escrow, and despite their dashboard message explicitly stating the payment amount would not change if I made the XXXX time escrow payment, which I did. I want my monthly payment amount restored and I want a refund for the escrow overage I was charged in XXXX payment. I also want to be notified of these changes in the future as is legally required
Consumer complaint received 2023-06-13
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-10
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I XXXX XXXX tried to open an XXXX XXXX account recently. The banker told me I couldnt because I owe money to their bank! I told them I never had an bank account with them. He said he will check it I said ok he never called back! The bank account has my name but birthday is wrong everything is wrong I want it off my credit. Same thing with chase bank
Consumer complaint received 2021-02-15
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-09-18
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-07-06
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. (ID)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-17
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. (TX)

The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXX/XXXX  Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3.XXXX XXXX XXXX  Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX/XXXX Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST (CA)

Dear CFPB i closed my account in XXXX with a XXXX balance..i just recieved a letter here in XXXX two months later and the bank is now requesting a closing fee of XXXX.please help me. Bank of the West XXXX CA
Consumer complaint received 2023-07-06
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. (NY)

Dear XXXX XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/2021 Status Paid, Closed. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

Chase closed our checking and savings account saying they are suspending my husband 's unemployment funds, when he provided documents proving he is receiving these funds and they are legitimate. They are suspending the funds. We have went to the branch proving this and still no resolution. I have been a customer of chase for over 10 years, without so much as an overdraft.
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ADIR INTERNATIONAL LLC (CA)

On XX/XX/XXXX I opened my first credit line with Curacao and purchased a laptop with my {$700.00} credit limit from XXXX I paid the laptop off and never missed a payment. In XX/XX/XXXX I was being charged without my consent from Curacao apparently  for a virus protection program I never agreed to. It was installed for 12 months free and charged me without knowing I had it on my laptop. From XXXX to XX/XX/XXXX i missed payments of this program without knowing I had an existing payment, the end of XX/XX/XXXX I received multiple calls from a credit debt collecting company to pay the balance I made the payment in full hoping they would remove the collection from my report, which they did not do so. The collection company agreed to remove the collection from my report and failed to do so. Ever since this happen 6 years ago I have not done business with this company, I feel lied to and cheated out of what has greatly effected my credit score for  the pass 6 years.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.
Consumer complaint received 2019-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I went into my local branch of Bank of America to order temperature checks temporary checks. The three checks that I had I have used up what's up obviously since I am requesting more what's up I don't often write checks but sometimes they are necessary. Bank of America told me it would take two weeks to get me checks which is totally not acceptable. I am sitting here in the lobby and they are giving me death stares. 

The customer service here are alternating between giving me death stares talking about me in Spanish and overall being completely rude. I am XXXX years old and also have a really bad case of the flu which I don't mind sharing with them. After all why should I be the only one suffering. In any event Bank of America are giving me the Mean Girls nasty treatment. They are making me wait in the lobby while they serve other customers because apparently asking for a temporary check is something really at Bank of America.. I also suspect the refusal of service as got to do with the fact that I'm XXXX years old and I'm sicker than a dog. This is why I really wish I could make my day shorter and go back to bed but I can't.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (GA)

I had an account with XXXX. My relationship with XXXX ended in XX/XX/XXXX. I owed XXXX a final balance of {$600.00}. XXXX sold my account to a collection agency and the agency sent me a collection letter for {$600.00}. In XX/XX/XXXX XXXX attempted to take {$980.00} from my XXXX XXXX account without my permission. The account that they tried to collect the balance from was closed a month prior due to being compromised. XXXX realized they couldn't get money from my XXXX account so they withdrew {$980.00} from my Paypal Account making my Paypal Account {$980.00} Negative. I did not have the funds in my Paypal account nor did I have a backup funding source attached to my Paypal account which Paypal requires in order to complete transactions if there isn't funds in the said account. Please keep in mind that I did NOT authorize XXXX to withdraw any money from me. I opened a Case with Paypal to dispute that transaction. Paypal initially agreed that what happened didn't make sense, XXXX didn't have the right to touch any of my accounts without permission and without notice. Customer Service at Paypal also went on to say that they had no idea how the transaction even went through because if the Customer ( ME ) did not have a backup funding source ( Bank Account ) attached to their Paypal Account then transactions would automatically be denied if there are non sufficient funds in the Paypal Account to cover the transaction so Paypal ruled in my favor. They removed the negative balance from my account. About a week later Paypal sends me an email stating that they ruled in favor of XXXX because I signed a contract with XXXX stating that XXXX may take funds owed if I have a remaining unpaid balance. I attempted to fight this because it is unlawful. Paypal then told me to take it up with XXXX. My Paypal account is still {$980.00} negative and Paypal is threating to take me to collections. There are a few things very wrong here. 1. I owed XXXX {$600.00} NOT {$980.00}. I have it in writing. 2. XXXX did NOT have Authorization from me the Account owner to touch any of my bank accounts for payment. 3. Paypal should not have allowed the XXXX transaction to go through being that I did not have the money in my Paypal account. 4. Paypal should not have allowed the transaction to go through because I DO NOT have a backup funding source attached to my Paypal Account which is Paypal 's rule in order to allow transactions to post on my Paypal Account. I have been with Paypal since XXXX. This situation is so wrong on so many levels. I am praying that someone can help me get this situation resolved. My debt is with XXXX in the amount of {$600.00}. Not Paypal for {$980.00}.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I didn't realize that being a victim of fraud would take me through some many challenging obstacles such as fighting this hard to redeem my true identity back. The credit reporting agencies are still reporting unverified, unauthorized accounts inwhich is unconstitutional and against the consumer laws of the FCRA. I will be also filling with the FTC if this is not corrected immediately. I've written to all 3 of the major credit agencies to provide me with the Method of Verification, inwhich should include a certified physical signed contract and mailed to me. However, if this can not be vertified by these means then this accounts shall be blocked from my credit report immediately and permanently. The accounts I'm demanding to be removed are : 1 ) XXXX  XXXX XXXX 2 ) XXXX {$71.00} 3 ) XXXX XXXX  XXXX {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX XXXX XXXX {$30.00} 6 ) XXXX XXXX {$140.00} 7 ) XXXX  XXXX XXXX {$680.00} 8 ) XXXX  XXXX XXXX 9 ) XXXX  XXXX XXXX
Consumer complaint received 2023-08-17
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. (GA)

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 : USDOEXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.