davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2018-07-10
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. (GA)

Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Consumer complaint received 2016-02-22
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Neon Newco Corporation (MD)

The Western Union Netspend card is only XXXX of XXXX prepaid cards I use to pay bills and receive deposits. This year I decided to apply my tax return ( both STATE & FEDERAL ) not knowing the amount of hidden fees that was attached to this card. I learned there is a {$720.00} daily ATM limit, however ; there is a cut off of $ XXXX {$300.00} per ATM withdrawal. Each ATM withdrawal has a {$2.00} fee attached. There is not option to increase your limit to illuminate the fees. I signed up for a monthly plan fee thinking it would save money but the card makes the money back once I make a withdrawal. I have attached a spreadsheet of the fees since XXXX ( {$290.00} ). 
If statements are needed I will be more than happy to fax them to you. These cards are only a setup to KEEP struggling consumers in a hole that is ALREADY TOO BIG!!!
Consumer complaint received 2023-06-30
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: SYNCHRONY FINANCIAL (NY)

There is a fraudulent Syncb/ PayPal SYNCB/PAYPAL XXXX XXXX XXXX XXXX, XXXX  XXXX inquiry on my credit report that I did not authorize date inquiry appeared XXXX
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America Edd debit Card account. I have been trying to get back 2 amounts that were stolen our of this account. I have submitted 3 complaints here this is my 4th XXXX the number of my last complaint. Briefly XX/XX/XXXX {$5000.00} was transfer out of my account by criminals who set up a bank transfer on my account. ( I never even new at the time I could do this only used my card. ) on XX/XX/XXXX on {$4400.00} was stolen the same way. Then after that and after what seemed like a million calls, instead of listening to me or investigating, B of A edd proceeded to reimburse me and the criminals would steal it immediately. Now, since I have tried repeatedly to talk to resolution dept. of B of A edd I have recently received a letter on saying they have temporarily credited my card, which is associated with my account which was closed because of the criminal activity, which I had to do since they were not doing anything. So when I call to figure out how to get my partial payment of what was stolen, I am told the account is closed and they can not help me and to talk to XXXX/EDD. I have been speaking with a very nice caring lady at EDD and she told me that once the money is transferred to Bank of America EDD account they have no control of it. She has put in an inquiry to the higher ups for me. So I have been waiting a month for a response from the higher ups at XXXX/EDD. Bank of America EDD you can talk to them for hours and the will repeat the same thing '' your account is closed and we can do nothing, contact XXXX/EDD. Also I have a new open account with XXXX/EDD, where they were sending my money by checks, because I obviously don't trust Bank of America EDD debit card accounts. I know I am not alone and I am one of millions that are being treated this way. Any help out there?
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021 I was trying to check on my coinbase account. I was unable to do so. I was prompted to change my password because I felt I was hacked. When I entered a password reset to be sent to my email attached to my previous coinbase account, I did not receive it. I knew then I was hacked. I had to go to work for a long shift. When I came back home I noticed a pending transaction to my debit card for 1,000 USD that I did not authorize. It put my account in the negative. I recall my previous coinbase account had 1,400 USD in various cryto currencies and the unauthorized withdrawal of 1,000 USD. The total amount lost was 2,500 USD. I attempted to stop payment on the unauthorized transaction of 1,000 USD but was too late. I tried reporting matter to coinbase live support but if you can not provide correct name and email associated with account they would hang up on you after 3 failed attempts. I even mentioned I was hacked how could I provide that information. I then tried to use their online ticket support. I was getting bot responses and could not generate ticket. I was frustrated and stopped attempting to conract them. The following week I visited our local police department and filed a theft report with XXXX XXXX. His email address is XXXX. From time to time I receive notifications from coinbase for example staking updates on an asset I use to own their. Any help with matter to retrieve my lost funds of {$2500.00} USD would be greatly appreciated.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation (CA)

I had an account with XXXX XXXX, i paid for their debt protection plan on the account. I lost my job in early 2019, used the debt protection and the account was paid in full and closed. I recently got a summons that XXXX XXXX is now attempting to sue me for the same debt that has already been paid off! None of my other XXXX accounts have ever been late/in collections.
Consumer complaint received 2022-01-24
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: SYNCHRONY FINANCIAL (FL)

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX SYNCB/XXXX XXXX XXXX SYNCB/XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (FL)

On XX/XX/22 Consumer Portfolio Svc placed a report on my credit stating Im over 30 days past due in the amount of XXXX and thats incorrect. At the time of reporting I was only a week late. I attempted to contact the company but I was transferred to different people and placed on hold
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Not only does every company need to pull Transunion which is the worst of the worst of all reporting agencies, I have a freeze on mine and tried extensively to remove this freeze for over an hour. I enter in my data online and it keeps telling me to sign up. I have an active username and password used just over 30 days ago to place the freeze on. I tried to forget password and reset and continuously get errors on Transunion ends that I can atleast get a 6 digit code to verify myself to my email but once I enter it online they give me an error that they are having issues on their end. How do you have boht online issues and phone issues where nobody come to the phone for over an hour? I've been on hold at the same time for an agent to unlock my account now and see if they can unfreeze it and nobody is answering. Now my account is locked after the attempts I made to use their easy system so that's been added to my list of needs from them, I cant unfreeze it so I can get basic internet with anew service provider in my new apartment timely and transferred to do my job where I make money to pay my bills with but Transunion is established to report how I pay my bills, make it make sense. With no internet, and no job how can I do this???? How XXXX Ironic! Why companies are still running credit reports in the middle of COVID when people have suffered financially and been late on bills just to keep a roof over their heads is ridiculous as well. TRANSUNION needs to be eliminated
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2024-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California (CA)

XXXX and XXXX has removed medical debt from my credit reports and I am formally requesting deletion from the third credit bureau as well. 

I am also requesting that a deletion letter be sent to the credit bureau from the furnisher for deletion from my credit report immediately. 

Please see supporting documentation with this complaint to help me expedite the deletion process.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. I also talked to the bank and told them that your bureau continues to report this misleading information. The bank has agreed to remove the late payment in my account. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I have had a Citi business XXXX XXXX for years. The card expired and I never received a replacement. Back in XXXX I had the bank account associated with the card closed. There were some small auto charges still on the card and autopay was on. After the bank account was closed I tried to login to the website to update it but the site said it was down. The next day I tried again and it still said it was down so I called. Apparently it was one day late at that point. The rep I talked to accepted a payment that he said would XXXX out the account and claimed he waived the late fees and interest now. Now two months later I have been apparently charged multiple late fees and interest on top of that late fee that wasnt waived. I called Citi and they are refusing to waive the original fee that was supposed to have been waived or the subsequent charges on it.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I had applied for an XXXX XXXX XXXX credit card. I was denied my own credit based on my credit portfolio. I was relying on this credit card for emergency purposes while we are going through a pandemic when my kids and myself are getting sent home from work and me having to leave work to get my XXXX  kids from school/daycare to continue to shelter and feed my kids and myself. This is a violation of 15 u.s code 1681M.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I requested that Chase Bank pay my rent via their online payment services by mailing the check to my Management Company. 
The check was not received by the landlord. 
Chase Bank credited my account for the full amount while they investigated. 
I reissued a new check for the full amount. 

Upon review I saw that the original check had in fact been cashed, however it was not endorsed and therefore should never have been allowed to have funds released against it. It was also made out by CHASE to the landlord corporate account. 

Chase then sent me an email on XX/XX/XXXX saying that they had finished their investigation and that the check had been issued as per my instructions!! This is absurd. My rent was NOT paid to my landlord as instructed. Chase then reversed the credit and DEDUCTED the full amount from my account. 

I submitted another complaint and I am now told after hours of phone calls, Chase visits to the local branch and major anxiety that the check was cashed by a XXXX XXXX and that CHASE had released the funds to XXXXXXXX XXXX I in turn must wait 30 - 90 days while Chase request that XXXX XXXX reimburse them the full amount and only then can I get my money back from Chase. 

I told the representative that I don't understand why am I out of pocket because of fraud that has been allowed to be committed by TWO banks ... XXXX XXXX and Chase both banks allowed an UNENDORSED check to slip through their systems and yet I am the only person who is paying for the mistake. 

I have been blown off by the bank, ignored and frustrated by their lack of customer service and understanding in this matter. They even refused to credit my account again until they recoup the money from XXXX XXXX as they tell me this is a different kind of claim from the initial claim. Even though NONE of this is my doing. 

I really hope that they are hold accountable for the fraud committed with their help. 

I am at a loss. 

I hope you can help me recover my months rent asap. 

I am interested to see if anyone else has been put in this position. 

Thank you
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (CA)

1. The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

2. 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. 
I wanted to provide some information i found in the Fair Credit Reporting Act for the credit reporting agencies I'm making this complaint about. 
I DID NOT CONSENT TO, AUTHORIZE, NOR BENEFIT FROM THE INQUIRES IVE LISTED IN THE FTC REPORT I HAVE PROVIDED I HAVE ALSO PROVIDED PROOF OF IDENTIFICATION.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (VA)

Around XXXX XXXX today XX/XX/22 I initiated XXXXo wire transfers to the title company for a real estate closing from my XXXX Citibank accounts. The amounts were {$50000.00} and {$44000.00} Citibank did not complete the wire transfers on the same business day, thereby ruining a real estate deal. 

Moreover, Citibank held me on the line for 1 hour and 36 minutes saying they were trying to figure out why the wires did not go through while we were in the title company, and then hung up.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Direct Mortgage Loans, LLC (IN)

Direct Mortgage was the Very First Company that I Reached out to in Early XXXX when my Credit Score was Above XXXX. My Lowest of the 3 Scores was approximately XXXX. I applied to 1 Other Mortgage company within a Month to compare notes and rates. I am an XXXXXXXX XXXX  Veteran who's Never taken out a Mortgage and was looking to purchase my first home under the V.A program. Direct Mortgage gave me a Qualification letter for XXXX but the V.A never provided my Certificate of eligibility which I am Still trying to acquire. The House that initially led to my inquiry only accepted Conventional loans, so after almost 2 months of not finding anything inexpensive enough and to my liking, I decided to forgo my V.A Loan and asked Direct Mortgage if they could Pre-approve me for a Conventional loan in the amount of XXXX ( Half the amount of my Pre-qualification ) They denied my request because they said my Credit Score was not high enough. The Lowest or even Average of my 3 Scores were Still Above the XXXX minimum even by at least XXXX points. XXXX XXXX whom I spoke with could not give me any other reason for my denial, other than that my score did not meet their requirements. I find it astonishing that a company who was quick to prequalify me for XXXX would Deny my for Half the same amount even though my Score was Above the Required Minimum. In Summary, this whole ordeal has not only left me with a lower credit score, but I am all too familiar with the Unspoken tactics of Discrimination. As an XXXXXXXX XXXX Veteran who's Served my Country, not only did I risk my Life for the Freedoms many take for Granted, but I am also a Tax payer who's dollars went to Bail out these Same institutions who Discriminate against the Very same Americans who has invested So much into this country. I not only find it distasteful and disheartening, but Outrageous and Disgraceful at How their Conversation and communications changed after I sought Pre approval for a Conventional Loan. Institutions like this who are Not willing to Loan even Safe amounts to Citizens who are capable of paying should not be allowed to do business. a Home is an Amercan 's 1st and Biggest investment, and to be Denied, despite being able to pay financially and with a passable credit score has reawakened why I haven't sought home ownership in years past. It's because I've seen and experienced this SAME KIND of Discrimination. Almost ALWAYS Hidden and Discreet. Polite speech with even apologetic words, but always with the same results, because there is No accountability for their Actions.