davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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: CBC Companies, Inc. (IL)

On XX/XX/XXXX I requested that XXXX and XXXX and Innovis Consumer Assistance conduct a proper investigation under 1681 and all sub chapters. They are continuing to violate 15 USC 1681 ( a ) 15 USC 1681 ( a ) and all the subchapters regarding reinvestigating procedures and 15 USC 1681 ( i ) On a previous dispute I received correspondence dated XX/XX/XXXX, stating that they were not going to conduct any further investigations and that all accounts were verified. I sent documentation regarding XXXX XXXX XXXX XXXX XXXX XXXX and that correspondence states that this loan was not approved and should never have been submitted as a debt on my credit file. Had XXXX conducted a proper investigation that account should have been deleted immediately. A copy of the letter dated XX/XX/XXXX states that I was not approved for the loan. I have come to the conclusion that XXXX is knowingly and intentionally with a deliberate indifference continuing to violate my consumer rights. The correspondence from XXXX that I received has a file # XXXX ; XXXX stated that they verified the following accounts Account Name : 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 I requested a reinvestigation and XXXX refuses to comply with the consumer protection laws that have been placed by congress to protect the consumers like myself. 
I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the misconduct and unlawful practices by XXXX.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

CashApp is arbitrarily cancelling and rejecting my law firm clients from paying us as little as {$2500.00} on a regular basis. We believe someone there is targeting us so that we cant earn money. Please investigate and advise.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

On XX/XX/XXXX, I received a mortgage loan in the amount of XXXX, from AmeriHome. I immediately began to aggressively pay off the loan. On XX/XX/XXXX, I only owed a total remaining balance of {$2700.00} ( at that date ). I paid that amount and it was applied to my loan. The remaining interest was calculated on XX/XX/XXXX. It was calculated to be {$27.00}. I immediately paid that amount and it was momentarily applied to my loan, showing a XXXX balance. The next day the remaining balance was back to {$27.00} and the website indicated a payment was received in the amount of {$27.00}. The following day the balance was still {$27.00} but it now indicated that no payments had been received on the loan. 

I contacted AmeriHome numerous times on the phone and on their internal website email ( well over a dozen times ). I contacted numerous agents and no one could tell me why my loan was not fully satisfied. 

Today ( XX/XX/XXXX ), I again spoke to an AmeriHome agent who indicated that the {$27.00} was being held by them in suspense. She related that AmeriHome did that because if they applied the {$27.00} to my loan, my loan would have a XXXX balance. She demanded that I send them an additional {$170.00} so that they could apply the {$27.00} to my loan. 

The agent stated that they needed the additional funds ( {$170.00} ) as a recording fee. She also stated that on XX/XX/XXXX, I would be required to pay the full normal payment of {$1500.00}, regardless of the fact that I do not owe them any further monies on the account. 

I immediately sent AmeriHome the {$170.00} in duress and against my will. I believe that AmeriHome has no intention of showing I paid off the loan and they are committing fraud to extort money not due to them.
Consumer complaint received 2019-01-07
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 (TX)

On XX/XX/2018 I email a dispute to Portfolio Recovery It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. XXXX still showing as XXXX XXXX/XXXX XXXX as owning account and PRA is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the fair credit Reporting act the following listed below has violated my rights. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-27
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. (PA)

My accounts are XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Before i begin, i was told XXXX XXXX XXXX was Deleted. Now as a consumer i was told i have the right to have an investigation done. The Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every thing must be taken to assure the information reported is completely accurate and correct. I sent a letter asking questions about these accounts on how they was effecting my credit report and found they are not the actual holders any longer. No matter that, but from reading my rights as a consumer after a reinvestigation under paragraph of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall. Promptly delete that item of information from the file of the consumer or modify item of information. I have fixed everything on my credit for the last couple years and i'm still not seeing results and i was willing to do my part, now i'm asking for assistance going forward because i don't understand the problem and i'm following the rules of the laws given.
Consumer complaint received 2022-08-27
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. (TX)

In accordance to FCRA XXXX, trans union LLC, and XXXX are breaking the law improperly misuse of credit report. account # XXXX TN XXXX Bankruptcy Court.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (OH)

{$620.00} was sent to me via Cash App. The cash balance shows its available but when I attempt to make a payment against the balance, the app says the funds are not available. This has been an issue since XXXX. I have alerted the Cash App support several times over the past 30-days, at which I keep on getting the same response that it has been escalated to a specialist team and that I should hear from them via email asap. I have contacted them a half dozen times and each time its the same response. Only 1x did someone tell me it was a civil process issue, which they couldn't explain to me what that even meant.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, without prior warning or advice, CitiBank arbitrarily lowered my credit limit on my Diamond Preferred credit card ending in XXXX by {$700.00}. I was informed of this punitive action via e-mail the next day. This unwarranted credit limit reduction by CitiBank increased my balance from 89 % of my credit limit on this this card to 95 %, which left me with only {$400.00} available credit and clearly exacerbated the high credit-to-debt ratio that CitiBank claimed to be its main reason for the credit limit reduction. It has also made it nearly impossible to significantly reduce my credit-to-debt ratio in the foreseeable future. 

I also use this card for several automatic recurring payments that would have exceeded my credit limit had they been processed before I had been advised of my credit limit reduction. 

I have never missed a payment on this credit card since I opened the account in XXXX, and I pay more than the minimum every month. I have also reduced my high balance to XXXX several times. I have never heard of anyone having their credit limit reduced, let alone someone with such an exemplary payment history. 

CitiBank alleges that I am a valued customer, yet I am not sufficiently valued to be advised by CitiBank that it might have an issue with my use of credit. When I contacted CitiBank to protest, the representative with whom I spoke said it was a business decision that is final, and my record with CitiBank is irrelevant if my overall credit is not well-managedwhich, of course, is an entirely subjective, arcane, capricious, and secret, formula to which I could not possibly hope to conform if CitiBank refuses to share its concerns with me in time to take some sort of remedial action to pre-empt any such severely punitive action. Had CitiBank provided me with a guide that advises me exactly what it considers well-managed and instructions on how to correlate that with my credit report, I would have been able to avoid running afoul of the CitiBank credit monitoring. 

This unwarranted, capricious, and punitive, action by CitiBank has set off a cascade effect with my other credit card companies, acting as essentially a red flag on my credit report. As a direct result of this action and its resultant increase of my debt-to-credit ratio, XXXX XXXX XXXX reduced my limit on my XXXX XXXX Visa card by {$4500.00} two days later! Unfortunately, it is now likely that other credit card companies will follow suit and even further damage my credit score, which has been lowered by these two actions to the point that I could not lease an apartment today if I needed to do so. 

This action by CitiBank was completely unwarranted and punitiveand highly unethical.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

The Following accounts XXXX XXXX Account Number XXXX XXXX XXXX BANK Account Number XXXX XXXX XXXX Account Number XXXX have been deleted from XXXX BUT are still reporting on XXXX and Equifax credit reports inaccurately. The law says every Credit Bureau must report complete and accurate data on my credit report.
Consumer complaint received 2022-08-27
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. (MN)

I have attached a FTC requesting the removal of the following inquiries. 

( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) )
Consumer complaint received 2022-08-27
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. (MN)

I have attached a FTC requesting the removal of the following inquiries. 

( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) )
Consumer complaint received 2020-02-05
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. (NV)

XXXX XXXX XXXX XXXX XXXX Card has not been updated since XX/XX/2019 this account has been paid off since XX/XX/2019 XXXX
Consumer complaint received 2022-08-27
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. (TX)

In accordance to FCRA Equifax, XXXX XXXX XXXX, and XXXX are breaking the law improperly misuse of credit report. account # XXXXXXXX XXXX XXXXXXXX Bankruptcy Court.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022 I received a hard inquiry on my credit report by Capital one ( XXXX XXXX XXXX ) applied for loan without my consent cause is lowering my credit score On XX/XX/2022 I received a hard inquiry on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Applied for a loan without my permission is lowered my credit score. 

Before someone wrote to my job asked for payment direct deposit through XXXX XXXX XXXX
Consumer complaint received 2022-08-27
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. (AL)

My soon to be ex-wife who XXXX me with hot grease this year used my credit cards while I was in the XXXX. We are presently awaiting court for her to be prosecuted. I paid off the account and asking XXXX XXXX to forgive me for all late payments that she did.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX we requested that our cash back total on our XXXX XXXX XXXX XXXX serviced by Comenity Bank be transferred to our checking account on file with the bank. When the money never appeared in our account, I contacted customer service. That dept. suggested I contact fraud which eventually sent me back to customer service. I was told the money ( {$140.00} ) had been transferred. When I asked them to identify the account used they could not provide that information. On XX/XX/XXXX I initiated a dispute. On XX/XX/XXXX I received a letter dated XXXX requesting I call a number provided to resolve my inquiry. When I called I was connected once again to customer service who advised the inquiry had been closed without an explanation as to why. After speaking to several people who offered different speculations as to what happened ( rewards were never processed and they were applied to my account- not true ) I eventually spoke with a CS rep who actually tried to be helpful. He was able to determine after speaking with multiple departments that the rewards were sent to a bank account other than the one we had on file. We do not have other accounts. This rep was able to share the last 4 digits of the account used which do not remotely match our account. The bank claims we have responsibility for this and it is our loss. I initiated another complaint and asked for an expedited resolution. The secure message response to this was that the complaint process is 3 months which means they have failed to provide my rewards for over 6 months. This process has been very time consuming and in my opinion is designed to frustrate the consumer and result in resignation.
Consumer complaint received 2021-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (NH)

XXXX - TD Bank - XX/XX/XXXX - present. I am having an ongoing problem with this companies online payment system. I submit a payment online successfully, only to find out later that they rejected my payment, I was never notified on this change. ( I have adequate funds to make this payment ), and they charge me an extra {$34.00} ( check assessment charge ). I have tried to call them ( their is no person to talk to via their customer service line. I have tried to email them and haven't received any response back or phone call., This has been the worst online payment experience I have ever had and regret signing up with XXXX to to purchase their products. I a senior citizen and a XXXX XXXX XXXX. I am very concerned that this ongoing issue is affecting my person. credit. Request immediate resolution to this problem. I have worked hard to be a good customer and make my payments and have received terrible customer service from this company. ( TD Bank handles the product financing and billing for XXXX )
Consumer complaint received 2022-08-27
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (TX)

I had US Bank account ( opened in XXXX AZ ) but no online access to this account. 
Later I moved to XXXX TX during mid ofXX/XX/XXXX. On or abouXX/XX/XXXX Without any warning US Bank deducted {$8.00} from my bank account for monthly maintenance fees most probably for keeping balance less than {$1500.00} per month. I will say - in their response they will say that at the time of opening of this account -it was mentioned in the fine prints. But don't you think that they should have at least send a communication about non compliance rather than directly deducting the fees? 
Moreover I don't have the online access for this bank account so I couldn't figure out anything. 

Made the complaint to CFPB ( XXXX ) and usual response from US Bank that read our fine prints etc ... 
US Bank retaliated against me by further. I simply wanted to close my account and mentioned this in my complaint to CFPB also. 
Rather than helping me this bank caused further damage. I tried to withdraw my balance ( which i thought it should be there ) Not only they dishonored my check - it resulted into check return fees of {$7.00} into my XXXX XXXX  account. 

I never had overdraft protection on this account so why this bank keep on charging me {$36.00} overdraft protection fees? 

On XX/XX/ opened another CFPB complaint ( XXXX ) OnXX/XX/XXXX opened another CFPB complaint ( XXXX ) Please refer to the current letter from US Bank. They just keep on adding their charges. 
I can't pay any of this. At the same time - it's none of my mistake - so I don't want any remarks on my credit file which impact me in the long run.