davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I never gave Equifax written consent to report anything on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This is also incorrect info reporting on my Credit report. No other Bureau is reporting this info on my report other than Equifax. Ive been disputing this incorrect info for some time now.
Consumer complaint received 2020-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

My complaint is with PAYPAL , INC., NMLS # XXXX, LICENSE # XXXX I requested PayPal to permanently CLOSED my account, over 2 years ago. At that time, I communicated that PayPal was no longer authorized to transfer funds from my bank accounts and that all personal bank account routing information should be permanently deleted from my PayPal files. My request was obviously not honored. 

On XX/XX/2020, PayPal sent me a communication stating the following : " We're concerned that someone is using your PayPal account without your knowledge. Please log in to PayPal to confirm review all your recent activity. Your quick response will help restore your account. '' I consider PayPal 's decision not to close my account as requested unethical and their XX/XX/2020 communications to deceptive. 

I seek the help of CFPB to verify the following : 1- My PayPal account has been permanently closed ; 2- All my personal bank account routing information has been deleted/removed from their files ; and 3- My name has been removed from all marketing list and including third party information sharing. 

Sincerely, Don'tMessWithThis Senior
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Ive noticed a lot of unauthorized XXXX  inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.
Consumer complaint received 2020-02-11
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: WELLS FARGO & COMPANY (CA)

Wells Fargo invited me, by letter with my card #, XX/XX/20 to possibly increase my credit. Letter said no credit pulled w/o permission. I called #, and was assured they wouldn't the same day a letter was drawn up and based on credit report, which I did not give them, and reinterated 2/3 X pls. don't pull credit report. They DID anyway/ Are they getting a kickback. Are they seeking out the elderly? Why would they send me that invitation? Elderly people are being scammed by W>F. Spoke w/ XXXX , XXXX , and XXXX , after receiving the denial written SAME DAY they said they wouldn't. I am XXXX years old.
Consumer complaint received 2022-12-05
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)

On or around XX/XX/XXXX, I sent via certified mail a letter and police report stating I had become a victimof identity theft. Pursuant to section 605B of the Fair Credit Reporting Act I requested these items beBLOCKED. My request was ignored and the following items remain on my credit report. I received anupdated credit report stating " the disputed information was Verified as Accurate.. ''. However, pursuantto section 609A1A of the Fair Credit Reporting Act, the reporting agency DID NOT provided anysupporting documentation showing proof that the reported items actually belongs to me. 
I sent asubsequent letter on via certified mail ( XXXX XXXX XXXX XXXX XXXX ) on or around XX/XX/XXXX stating thesame and once again, my requests were ignored. 
Attached is a copy of the following : - Sent identitytheft reports The following fradulent accounts STIL REMAIN on my credit reports furnished XXXX, Experian and XXXX. 
XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX Acct # XXXX, Date Opened : XX/XX/XXXX XXXX, Acct : XXXX, Date Opened : XXXX, Account : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account : XXXX, DateOpened : XX/XX/XXXX XXXX, Account : XXXX, Date Opened : XX/XX/XXXX Exeter XXXX, XXXX, Date Opened : XX/XX/XXXX Experian XXXX, Acct : XXXX, Date XXXX XXXX XXXX, Acct : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX, Account : XXXX, Date Opened : XX/XX/XXXX XXXX, Account : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX  XXXX Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX  XXXX Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct : XXXX, DateOpened : XX/XX/XXXX XXXX, Acct : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct : XXXX, Date Opened : XX/XX/XXXX XXXX Account : XXXX, Date XXXX XXXXXXXX XXXX XXXX  Account : XXXX, Date Opened : XX/XX/XXXX XXXX, Account : XXXX, XXXX : XX/XX/XXXX
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

Comenity Bank/ XXXX sent me a bill. I have no XXXX jewelry nor have I shopped there since 2002. This account is fraudulent. It is listed on my XXXX credit report. Comenity Bank states that they conducted an investigation and found that I owe money on an account that I have zero knowledge of or access to. I want this taken off my credit report and I want Comenity bank to stop harassing me.
Consumer complaint received 2022-01-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent dispute letters to XXXX, transunion, and XXXX. The credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (CT)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$5600.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$53000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: People's Finance Co (TX)

I sent a request to cease further communication with People Finance XXXX, TX. 
I told them due to a significant hardship, I was unable to make payments toward the debt at this time, however I was working diligently to resolve all my debts. 

Please accept the letter as my written request to cease all telephone calls, whether it be at my home, my workplace, my cell phone or any other means of communication to reach me. 

I verified that the letter was received last week - week of XX/XX/XXXX. They said they did not care about the letter and they would continue to make collection calls daily.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America honored a levy being placed on my account that was not a court issued document. I have a copy of the fictitious charge that only displays my SSN and name. The Indiana Department of Revenue requested my address to prove that the charge did in fact come from them. The company that placed the charged on behalf of the Indiana Department of Revenue was XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America never had an Indiana Address on file for me to honor the charge nor was the address provided on the document. The charge was for a bank freeze on two of my checking accounts for the same amount. The bank was contacted by myself and the only document they could provide had no legal authorization signed by a Judge or any court in the State of Indiana. Charging me the following amounts and fees : Account # XXXX Account # XXXX XX/XX/XXXXXXXX ( Hold ) XX/XX/XXXX XXXX ( Hold ) XX/XX/XXXX XXXX legal order fee XX/XX/XXXX XXXX Legal order fee LTS Can provide the document upon request. Total amount charged to me was for XXXX
Consumer complaint received 2020-02-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA statement XX/XX/XXXX. Summary of Account Activity shows beginning bal. of {$1.00}, XXXX minus Other credits of - {$2.00}, XXXX - - {$1.00}, XXXX owed at this point. minus the Total Credits for this period listed separately/merchants credits. - {$910.00} Add New Purchases NOT CREDIT REVERSALS Less than + {$870.00} DOES NOT EQUAL NEW THE BALANCE MATHMATICALLY. **Please note XXXX XXXX {$120.00} is a new fraud investigation XX/XX/XXXX. NOT XX/XX/XXXX AS USAA MAINTAINS. USAA can view the adjustment purchase to begin a fraud investigation {$120.00} XX/XX/XXXX on a purchase paid by merchant in XX/XX/XXXX?? Huh?? I did not buy this item returned to the store back! Forced by USAA TO BUY BACK 2 RETURNED ITEMS from. XX/XX/XXXX in XX/XX/XXXX.total {$340.00}.
Consumer complaint received 2020-02-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (OH)

Exeter Finance has made incorrect reports on the status of my account to the credit bureaus on. On XX/XX/XXXX I received XXXX and XXXX notices that my Exeter account was reported delinquent, when that was incorrect as I set up autopay on my account in XXXX and it was in a current state then. I was notified that my EF account was incorrectly reported 30 days past due on XX/XX/XXXX, not only was it not past due, but the false report caused my credit score to drop by 100 pts, which is unreal. I have not had a missed or late payment on this account and it was very discouraging to have this reported incorrectly and affect my credit in such a way. 

I have not had such an experience with any other creditor and consider EF as a contributing factor in helping me to improve my credit over the years. Following the this incident, I just went ahead and paid off the {$13000.00} on the loan to be done with them altogether. I tried to file a dispute through the company, but the representatives kept giving me incorrect email addresses to sent my evidence to, all which bounced back.
Consumer complaint received 2022-12-05
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. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$95000.00} and XXXX XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.
Consumer complaint received 2022-12-05
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. (MS)

by the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account XXXX XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602. A state 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) the Section States no consumer reporting agency may make any consumer report containing any of the following items of information or any other 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 data is inaccurate. I reported this about a month ago and still, they didn't remove it as I authorized please remove these accounts asap.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am writing to lodge a formal complaint against Navy Federal Credit Union regarding unauthorized electronic fund transfers from my account, which I believe falls under the protections provided by the Electronic Fund Transfer Act ( EFTA ). Despite my timely reporting of the unauthorized transactions, Navy Federal has not adhered to the EFTA 's stipulation that limits my liability to no more than {$50.00}. 

In XX/XX/2024, I noticed several unauthorized transactions totaling {$3400.00} from my account with Navy Federal Credit Union. I did not authorize these transactions, nor did I share my account details or PIN with anyone. I reported these unauthorized transactions to Navy Federal within two days of noticing them, expecting to be protected under the EFTA.

After reporting the unauthorized transactions, I received communication from Navy Federal stating that their investigation was complete and that I would be liable for the full amount of the unauthorized transactions, contrary to the protections afforded to me under the EFTA. Specifically, the EFTA states that if the financial institution is notified within two business days after the consumer learns of the loss or theft, the consumer 's liability is no more than {$50.00}.

I have attempted to resolve this issue directly with Navy Federal Credit Union by [ list any actions you've taken : calls, emails, visiting a branch, etc. ], but to no avail. Their stance remains unchanged, and they have not provided a satisfactory explanation as to why the EFTA 's liability limit does not apply in my case. 

I am seeking the CFPB 's assistance in this matter for the following resolutions : A reevaluation of my case in accordance with the EFTA, specifically regarding the limitation of consumer liability to no more than {$50.00} for unauthorized electronic fund transfers reported within two business days.

A full refund of the amounts charged over the {$50.00} liability limit as stipulated by the EFTA.

An explanation from Navy Federal Credit Union on their findings and rationale for their initial decision, along with corrective action to ensure compliance with federal regulations.

Your intervention is crucial to rectify this situation and to uphold the consumer protections guaranteed by the EFTA. I look forward to your prompt response and resolution of this matter.
Consumer complaint received 2020-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX XXXX Says Income-Based Repayment Plans Cancelled. Student loan servicer XXXX has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX- Since the start of XX/XX/XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (TX)

Hello, I have a mortgage through Loan Depot. When I make my payments they are doing something called a misapplication reversal and reapplying my payments at later dates causing me extra interest. 

For instance, after making my monthly mortgage payment, I will send in a principle only payment through the website and I click principal only check, instead of the mortgage box. After my payment has cleared and been processed by my bank, they do their misapplication reversal and reapply it weeks later and suddenly my principal balance due increases because more interest has been charged and applied to my account. 

This has been going on for months and I have several complaints and requests to correct it but I keep getting the run around. In XXXX of this year, they took my principal payments and applied them to my XXXX payment before my payment was due. 

When I asked LD to correct this, they said that they did it because I was late paying my XXXX payment ( on XX/XX/XXXX ). I still had 3 days before my XXXX payment was due. 

In closing, every time LD does a misapplication reversal it costs me more interest because they re-apply my payments week ( XXXX ) after it has cleared my bank. All of the payment history is posted in electronic format, showing my original payment date and when they reapplied it. 

Secondly, they take my principal payments and use them to pay future payments before my monthly payments are due.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

On XX/XX/year> I was charged {$57.00} twice by mint mobile. I have disputed this transaction with chime XXXX times. I submitted my cell phone bill showing my phone number associated with my chime bank account and the dispute was still denied.
Consumer complaint received 2017-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Coinbase.com has disabled my account and I no longer have any access to XXXX in assets. The account shoes that I can not be reactivated until I make a payment of {$0.00} There is no option to make this payment. I have emailed support for 2 weeks now with no response. Please help!
Consumer complaint received 2022-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

zelle user under the email XXXX named XXXX frauds users seeking to purchase sneakers off XXXX XXXX XXXX XXXX They blocked me all while using fake references and pictures of inventory. Never purchase goods from XXXX using zelle.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax continues to report two aged accounts. They are over 7 years old. The XXXX XXXX XXXX   XXXXand the XXXX XXXX