davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (MI)

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.

The letters are stated with items and issues.

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 2018-12-21
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. (NC)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX
Consumer complaint received 2021-07-16
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: Bread Financial Holdings, Inc. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX  Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX  Date of inquiry : XXXX1 This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

6. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine.

7. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

9. Identity Theft COMENITYCBXXXX XXXX  Date of inquiry : XXXX  This is not mine.

10. Identity Theft XXXX XXXX  Date of inquiry : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

14. Identity Theft XXXX Account Number : XXXX  This is not mine.

15. Identity Theft XXXX  Account Number : XXXX  This is not mine.

16. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

When making a transaction in a foreign currency, PayPal offers the options of allowing PayPal to convert the currency ( at a markup ) or allowing the consumer 's card issuer to perform the currency conversion. When I tried today to make a payment of XXXX Euros, I was quoted a rate of {$610.00} USD by PayPal. This was much higher than the {$590.00} using the bank exchange rate. When I attempted to change the option to within my PayPal app to allow my issuer to perform the currency conversion, the option was not accepted and continued to revert back to PayPal for conversion. In reading online forums, I see this " bug '' has been occurring for years. I needed to log into a browser to be able to change the currency conversion selection. 

Consumers have notified PayPal via those forums, so I must believe that PayPal has not fixed the problem as it is profitable for them.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (SC)

I have submitted a complaint 60 days ago and still have not received a response back from any of the bureaus, they have been closing my complaints by sending back authorization of verification when I have sent all documents with all Identification including : Drivers License, Social Security Card, and Proof of Address, this has been more time than allotted to respond, please delete all accounts not verified at once, I feel I am being ignored and if I send another letter this will go no where. Please do not respond with anymore authorization for verification, I feel this is a stall tactic to gain more time for not doing your jobs correctly, I have supplied all items needed for the investigation to take place, and you have neglected to do so. I am not just another nobody, this is affecting how I live my life. 
Complaint numbers as follows : XXXX : EQUIFAX XXXX : XXXX  XXXX : XXXX XXXX : XXXX
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Friday XX/XX/2023 at roughly XXXX XXXX, I deposited a cashier 's check from my account with XXXX XXXX XXXX XXXX to my account with Bank of America in the amount of {$48000.00} which were proceeds from the sell of my condo in Georgia. 

After the Teller deposited my funds, she then proceeded to show my receipt which placed the majority of my funds ( {$42000.00} ) on HOLD for an additional 5 business days. I asked why and they only said it was what their system provided, and that I could speak to their customer service department for assistance. 

Seeing that I am considered a PREFERRED customer with over XXXX of loyalty to this bank, I thought this issue would be easily rectified, but it wasn't. 

After reading their " deposit/hold '' policy online and the Federal Reserve regulations , I believe I was discriminated against and they gave me no real cause or explanation for extended this hold on my funds. Due to their negligence, I missed the opportunity to make a stock purchase which would have paid me dividends as well as missed out on other plans and purchases.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Acra Intermediate Holdings, LLC (CA)

I've asked XXXX XXXX and XXXX XXXX in writing to stop emailing me several times. 

XXXX : XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX : XX/XX/2023 I told them I would report them but they continue to spam me.
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

I opened 3TD bank accounts 2 of them still have the initial deposit being held and the other checking account, the funds were released to me and 15 minutes later there was a hold placed on my available balance and now I am back in the negative with my account balance
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (LA)

AAFES or XXXX XXXX ( Credit Card ) used for military exchanges refuses to take payments online or by phone. If you miss three payment in a year they refuse to take payments via phone or online. They require that I go in person to make a payment which I do not have within two hours drive or that I mail a check which I dont feel comfortable doing because it puts me at risk for fraud and then I have to wonder when they will cash it. This is the only company I know that will not accept payment from me. They have the ability to contact your work, garnish your taxes, garnish your wages, but will not take a payment when I try to pay both online or via phone. I have asked for copies of the policy but have not be provided it, customer services states that it is in their terms of service but it is not. I would like a copy of my contract with them that I signed or just the ability to pay my debt. Thank you for your time.
Consumer complaint received 2020-11-06
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: Risecredit, LLC (WI)

Company was paid in full in XX/XX/XXXX, however they are currently reporting to the credit bureaus negatively. I tried to dispute with credit bureaus XX/XX/XXXX in writing and contacted Rise in XX/XX/XXXX to remove inquiry with no success.
Consumer complaint received 2019-09-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (AZ)

I recently paid off a car loan financed by Bridgecrest. I paid the EXACT amount shown on the Bridgecrest website as my last remaining payment including all accrued interest. The final payment was due on XX/XX/2019 the final payment was sent to Bridgecrest via ACH Debit on XX/XX/2019. As ACH Debits typically take 2-3 days to deduct from my account, the payment was taken out of my account on XX/XX/2019 ( see attached document ) indicating the payment was made before it would be considered 30 days late. I was informed by XXXX at the Bridgecrest compliance department that all interest and late fees had been absorbed into the final payment and was sent a letter stating that my account was PAID IN FULL. As of today Bridgecrest has reported my last payment as 30 days late after I was specifically told by XXXX at the Bridgecrest compliance department that all interest had been absorbed and that I was NEVER 30 days late on any of the payments I made on this loan.
Consumer complaint received 2018-12-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Our home was damaged during Hurricane Michael. In the month following the storm, we the homeowner, paid out of pocket for tarping, emergency remediation and a new roof in order to protect our home and the mortgage asset. 

All receipts have been sent to the mortgage company ( Lakeview Loan Services ) multiple times, including the insurance company 's third party adjuster that came to the home 3 days after the hurricane and all out of pocket paid in full receipts signed off on by both borrowers. The mortgage company confirmed received all of receipts on XX/XX/XXXX. 

In the days after receipt of the paid in full receipts, the mortgage company has stated that they will not pay any funds unless they receive a letter from the insurance company stating that they hired the 3rd party. As of XX/XX/XXXX, they are stating that they will not reimburse us the borrower for out of pocket expenses until another estimate is done on the home which should have nothing to do with releasing our out of pocket funds. 

Every time we contact the mortgage company, there is some reason that they give us that was not given to us the day prior as to why they are not able to reimburse us from the checks that have been signed and sent to them for our " escrow '' account. Each time we call, they say that " special approval '' is needed from upper management to release our funds as it is not their standard procedure to release money without a contractor. Hiring a contractor should not have any baring on the mortgage company reimbursing us for money that has already been paid out of pocket by the borrower to protect the home from further damage ; we are not far enough in the process to even begin hiring a contractor and being to repair our home based on the financial strain that being out of pocket this amount of money for this long as put on us. Our out of pocket expenses were included in supplemental checks that were sent, separate from the original estimate check and the mortgage company is still refusing to send reimbursement for out of pocket expenses. 

When we have asked to speak to a supervisor, we are told that no one is available in the office and that we would have to request a call back and it would take 24-48 hours. Also, every time we submit a document or call into the customer service line, we are told 7-10 days before they can confirm receipt of documents and then another 7-14 days for a decision. We are almost three months after the hurricane and still out of pocket {$40000.00} that our mortgage company is refusing to reimburse us for although the insurance company has issued the checks from their side and confirmed that the money is rightfully due to us the homeowner. 

The breakdown of charges are as follows : Emergency Tarping Services : {$2300.00} Remediation Services : {$21000.00} New Roof : {$16000.00} TOTALING : {$40000.00}
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INACCURATE INFORMATION from my credit report immediately
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I am unable to put a freeze on my Experian credit report. Experian simply rejects the online attempt to apply the freeze, despite providing exactly the same information that had been used 30 minutes earlier to remove a previously applied freeze. 

Experian simply says it is unable to satisfy the request to freeze and then lists an unreasonably onerous process that must be followed, providing a lot of information on paper through US mail. It's clearly intended to dissuade the consumer.
Consumer complaint received 2019-09-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (KY)

Jefferson Capital systems bought a debt from a company that tried to place something on my credit report after being unsuccessful they sold the debt to Jefferson Capital systems. The original debt came from a company by the name of XXXX XXXX XXXX once XXXX XXXX XXXX was removed from my credit report XXXX XXXX sold the debt. I owe no money to XXXX XXXX, Jefferson Capital systems or XXXX XXXX XXXX. I've reached out to the country several times for them to show me all documents pertaining to this debt. I still have not received anything showing that I am responsible except for them reporting this information on my credit report falsely.
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

In response to a loan offer that came in the mail from OneMain Financial in late XXXX of 2019 my wife responded with a request for an additional {$6000.00} added to our existing loan of {$2600.00} in order to help us through the summer. 
On XX/XX/2019 my wife contacted Ms. XXXX XXXX, Sr.  Personal Loan Specialist from OneMain Financial, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, North Carolina XXXX. On the phone Ms. XXXX discusses with my wife providing us a new loan on our car that would fold in the present loan we have and provide us with a better interest rate. This option was attractive to us because my wife is a XXXX  and does not get paid over the summer vacation. The money would be used to help us make it through the summer and pay down some outstanding debts. 
My wife an I met with XXXX XXXX on XX/XX/2019 to discuss this option and sign the new loan papers. At know time during our meeting were we informed by Ms. XXXX that our existing loan of {$2600.00} would not be folded into the new loan request. We only became aware that the old loan was outstanding when we received a bill on XX/XX/2019 for {$480.00}. 
At present we have two outstanding loans with OneMain Financial, the new loan with a balance of {$17000.00} and monthly payments of {$480.00} and the original old loan with a balance of XXXX and monthly payments of {$350.00}. 
This was not our understanding of the facts of the loan we discussed with Ms. XXXX. We feel very strongly that Ms. XXXX " flipped '' us into a situation that is totally unsustainable. These two accounts will put us under extreme hardships unless we are able to get some relief. The contact information for XXXX XXXX is XXXX or XXXX.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Cashed a check on XX/XX/22. I was told there would be two holds after the next day deposit of {$200.00}. On the XX/XX/22 now they say that XXXX be the full amount hold, representative says because they can't verify the check. My check is from my lawyers office. I gave the accountant phone number to bank of America to verify the check. Still say there is nothing you can do with my money in your bank. This is way I don't leave money in the account. Someone needs to do something now.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I sent XXXX XXXX several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

Please refer to complaint filed on XX/XX/XXXX - COMPLAINT ID XXXX, see attachments verifying my identity. 

I am scheduled for closing on a new home on XX/XX/XXXX. On XX/XX/XXXX, I setup a wire transfer from my Citi Bank savings account for a significant amount for the closing. I was called by Citi Bank to verify my transaction. One of the questions asked was what year my stepmother was born. I have not lived with her for 20 years, and my dad hasn't even been married to her for over 10 years. I had to call my dad to get the answer. Citi Bank failed me for the verification process for taking too long to answer. They refused to give me another opportunity or way to verify myself and they flagged my account for fraud. The account is now " under review '' and there is nothing whatsoever that I can do to get the funds. Citi Bank refuses to let me speak to anyone that can help, and just tells me I have to wait for them to clear it and there is nothing whatsoever I can do. I cannotbecause ( a ) there is no branch location or affiliated bank in my state of Colorado and ( b ) they say that even if I do FLY into a state where there is a branch location, that I can not get the cashier 's check because there is a hold on my account. Citi Bank is literally holding MY money hostage. This is MY MONEY and I am willing and able to do whatever to verify myself. They refuse to talk to me and help me. I need help immediately.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I sent XXXX XXXX several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.
Consumer complaint received 2019-09-14
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. (TX)

I sent XXXX XXXX several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.