davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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 list of Accounts below have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 Portfolio 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.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( 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.
Consumer complaint received 2019-08-28
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To XXXX, Equifax And XXXX Dispute Department, I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. On the next page I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment History Sections '' of the listings. XXXX and XXXX is reporting that I paid in XX/XX/XXXX. However Equifax is reporting that I am 30 days late. How could this be? 2. In the " Last Payment sections '' of this listing. XXXX and XXXX is reporting ( XX/XX/XXXX. ) as my last payment. However Equifax is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. XXXX and Equifax is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. These dates are inconsistent. Don't you get your information from the same company? 

I take this matter very seriously. 
" Iv'e included my Dispute Letter with Proof highlighted in yellow and a copy of my State Drivers License and Social Security Card.
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (MO)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I noticed a big problem with the information USAA provides to me to manage my checking account. USAA provides an available balance for the account holder to know what the amount of money remaining in their account. If the scheduled transactions ( another field on USAA portal ) are subtracted from the available balance I should know what funds I have remaining in my checking account that can be used to pay bills. Unfortunately, that is not the case on USAA portal. If the XXXX XXXX  is used to pay bills online, and a bill is not paid electronically ( i.e. by check ), even though XXXX shows the bill as a COMPLETED transaction, the amount of the payment does no show up either in SCHECULED TRANACTIONS or in AVAILABLE BALANCE unless the receiving vendor has deposited the check and it has cleared the bank. So the word COMPLETED does not actually mean in the common usage of the word COMPLETED. 

I recently made a large withdrawal from my USAA checking account. I was flexible on The amount of the withdrawal and based it on my AVAILABLE BALANCE less my SCHEDULED TRANACTIONS. I could have made my large withdrawal for less money had I known that a {$7000.00} check to the IRS issued a month earlier was unaccounted for, even though this transaction showed a STATUS of COMPLETED. As such USAA returned the check NFS, because my account balance was insufficient. This problem would never have occurred if the information on USAAs portal was complete and reliable.
Consumer complaint received 2024-02-12
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. (CA)

My phone has been stolen multiple times along with my wallet also all my XXXX accounts was took over and my phone and wallet had sensitive information in there all my accounts was already logged in my device so I lost full control and access to any accounts even through my XXXX I noticed my cash app has been zapped into a false cash out I didn't have no card linked on there it also would freeze up on me multiple times one of my bank cards from XXXX  XXXX XXXX was linked to my cash app also and they got stolen I'm just trying to find out if you can look into XXXX name $ XXXX
Consumer complaint received 2022-06-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Sir or Madam, I would like to file a complaint against Bank Of America regarding a a Air Ticket purchase transaction from XXXX XXXX on XX/XX/2022 and the said transaction was declined by Bank Of America at the same time of ticket reservation and as a result of that XXXX XXXX cancelled my reservation and voided my tickets. Later I discovered that Bank Of America placed a charge of {$3100.00} on my credit card for the XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX and they informed me that they never receive the said transaction from Bank Of America and I should contact them to resolve this issue with them. I called Bank Of America on XX/XX/XXXX and spoke with XXXX of their representative who informed me that is a typical process and it can take between XXXX business days to clear the disputed amount from my account. I checked my account today XX/XX/2022 and found that the same transaction still showing at my account with the status of pending. I called Bank Of America and I was informed that XXXX XXXX has to send back the transaction and they are waiting for that and it can take up to XXXX business days and I have to check back with XXXX XXXX. I called XXXX XXXX today XX/XX/2022 at XXXX AM and their representative confirmed that they never receive and transaction for my cancelled tickets from Bank Of America, and they send me an email per my request confirming this statement. I called Bank Of America and spoke with XXXX and his supervisor XXXX who insisted that I have to wait XXXX  days. I am failing this complaint as Bank Of America unjustly posted a transaction never took place of {$3100.00} against my credit card account and unprofessionally justified this action by saying it is their standard procedures.. 

I am forward to you the email from XXXX XXXX confirming that they never receive the said transaction from Bank Of America Thanks XXXX XXXX XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Tuesday, XX/XX/2022, XXXX AM XXXX Subject : RE : Void Ticket XXXX XXXX, We're sorry to inform you that the ticket that you bought was voided for security reasons. It means that the money was never taken by XXXX XXXX. Please, check this information with your bank and inform them that this amount ( XXXX USD ) has to be released to your account. 


Again, We're so sorry for the inconvenience and we hope that you can get your money back. 

Kind regards. 

ref : XXXX : ref
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help
Consumer complaint received 2022-10-20
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: General Motors Financial Company, Inc. (PA)

I've recently checked my credit report with XXXX and there's some inquiries listed that were unauthorized and unverified. 

They are as followed : 2 inquires with AmeriCredit on XXXX 2 inquires with XXXX XXXX XXXX XXXX on XXXX  & XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX on XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX XX/XX/2021 I never gave permission for these companies to run my credit. I also do not have any open or verified accounts with these companies.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (OH)

XXXX XXXX- XXXX XXXX XXXX was repossessed. 
XXXX XXXX - XXXX XXXX XXXX was sold at auction. 
American Honda Financial failed to provide the following documentation to the consumer according to Ohio repossession laws : 1. Notice of Repossession 2. Written notice of loan default 3. Notice of Sale 4. Written notification to the purchaser of subsequent responsibility for any deficiency remaining after the sale.
Consumer complaint received 2018-12-12
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. (NC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has sent 2 prequalified offers for Credit Cards in different periods of time, and both of them have been rejected, causing a huge decrease in my credit score. 

It looks like Capital One is using supposedly prequalified offers as regular advertising emails without caring if those offers are later on rejected. This is especially problematic because I already have a Credit Card with Capital One, so they already have my information, and it does not make sense that they keep sending me prequalified offers that are rejected.
Consumer complaint received 2018-12-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

On XX/XX/XXXX I made a transaction with XXXX XXXX XXXX for a transaction which was a mystery box. On this day I would pay him {$300.00} usd which is XXXX gbp. On XX/XX/XXXX I told him if I can get any updates about the item, but he would not respond also he would block me. I contact Paypal about this XX/XX/XXXX and today i just got a message and they said they ruled the favor the scammer. Also, they don't reopen closed cases which kind of XXXX. Can you please help me get my money back, because PayPal is not doing its job?
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

has violated my rights. Or a 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.
Consumer complaint received 2018-12-12
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. (AZ)

XX/XX/2018 I have reached out to All three credit bureaus requesting corrections to my personal consumer credit report. 

I have contacted all three agencies via telephone and also via certified US mail with my requests for corrections. 

Since my initial requests submitted back in XX/XX/2018, I was able to get multiple items corrected on my personal consumer credit report with the exception of several items that are still invalidly listed on my profile. 

XXXX  is the primary credit reporting agency that I am having the greatest difficulty with getting them to report accurate information on my personal credit report. I have spoken with them via certified US mail and over the telephone with an agent representing their agency and was told that the only way that I am able to view my personal credit profile online, would be to subscribe to a service that they offer for a fee. 

XXXX  is allowing various companies to list inaccurate information and information that does not belong to me onto my personal credit profile, after I have disputed it several times within the past year. This is hindering my credit abilities and causing great strain within both my personal and professional life. 

One of the main issues that I am having with XXXX, are the correct reporting of my student loans, I have consolidated all of my student loans which should be listed under only one Agency, however XXXX  is listing them under the agency that they are consolidated with, but they are also listing them individually making my credit profile look as if I have double the amount of student loans which is impacting my overall credit score. 

XXXX  is also allowing XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX to report inaccurate information on my personal credit profile which is impacting my overall credit and credit score.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (UT)

I sent a certified written request on XX/XX/2018 for Validation of this account. I have not yet received a response from this company and therefore this account should be removed from my credit report IMMEDIATELY. Per FCRA if debt is not validated within 30 days of written notice account must be removed.
Consumer complaint received 2020-02-01
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. (MD)

XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020.

According to the law that all three bureaus -XXXX , XXXX  , and Equifax ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MD)

I open a checking and saving account with this bank XX/XX/XXXX. I received an alert e-mail saying my account was low, and at that time I open my account on the computer that is when I saw {$14.00} that was in checking. XX/XX/XXXX and every month after that an automatic withdraw of {$600.00} was taken from my checking account. I call the bank and spoke to someone at the bank about my account. I was told an affidavit would be sent fill it out send it in and a investigation would be done. After that I received a a letter saying that the bank would not refund any of the money. The amount that was taken from my account was {$71000.00}. I then close my account.
Consumer complaint received 2022-06-14
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: TD BANK US HOLDING COMPANY (CA)

XX/XX/2022 - received information via mail about 2 attempted credit cards being opened in my name. They were denied which is concerning as I have great credit. 
XX/XX/2022 - called both companies to report fraudulent attempts at obtaining credit card. Both companies confirmed they were attempted online. Both confirmed that my social security information, birthdate, drivers license, name, and home address have been compromised. Both companies have reported the fraudulent activities and are investigating. More information to be sent to me via mail. 
- Called XXXX, XXXX, and XXXX to freeze my credit reports. 
-FICO XXXX XXXX confirmed that my score has been negatively impacted by these activities. 
-Contacted this website : US Federal Trade Commission to report activities. 
-Currently on call with Social Security Administration for assistance on steps to take. 
-Will be calling DMV tXXXX report that my driver 's license number has been compromised.
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (CA)

I have a fraudulent loan on my credit and have contacted both XXXX XXXX and Experian about this issue and Experian has allowed it to stay on my credit, the fraudulent loan is under loan by phone which I have not done.
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IA)

PNC BANK, I received an escrow account disclosure statement indicating my escrow account is short {$7500.00}, comprised of XXXX that it was permitted to run short in XXXX w/out notice to us. This added to the {$3300.00} anticipated shortage in the coming year for XXXX makes up the total shortage amount. This is increasing our payment 66 % of its prior monthly payment amount. This is a big impact to our ability to repay our mortgage especially since my husband is going XXXX XXXX XX/XX/XXXX which will further reduce our monthly income. I do not feel PNC properly assessed the real estate tax figure needed last year when performing the escrow analysis at that time, it appears they were using the land assessed taxes only and not basing it on the actual assessed value after construction completion and the sale. I am dissapointed the account was able to go {$4200.00} negative w/out any notification to me as a consumer. Why are these not treated like a debt collection immediately and the consumer notified timely. My biggest question to the CFPB is why is there no notification to consumers when the escrow account begins to go negative by the lender, why is it allowed to go so far into the hole and we are expected to catch it up w/ in 12mo in addition to the resulting increase for the existing 12mo. I feel this is a fatal flaw that needs resolved immediately for consumers.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NV)

A complaint was filed with your bureau. 

The lender stated the error was theirs, however, they refuse to refund my account the amount of money they overpaid the PMI vendor until the PMI vendor repays them. 

XXXX made the error and XXXX needs to refund my money now regardless of their awaiting money for an error they made.