davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

I bought two suits from Macys.com on XX/XX/XXXX, and XX/XX/XXXX, respectively. I picked up both suits on XX/XX/XXXX, and returned one due to it being the incorrect size. This caused a credit of {$150.00} on my account, the original charge for one of the suits. 

I opted to have Macy 's alter my suit to provide a better fit. They charged {$58.00} for this. A week later I picked up the suit and fully wore it. The quality of the suit is not to the standard for the company who makes the suit. I went back to the Macy 's store, and was told that I could not return it due to it being altered. I let the sales rep know that I'm returning it due to the material and quality of the suit. They stated that their policy would not allow them to return the suit. 

I initiated a dispute with the credit company which I used for payment, the Macy 's store card. Twice I received a letter in the mail saying that I was already refunded the money. This is incorrect. I was refunded the original suit that I purchased and returned, not the current suit that was altered and had the substandard quality that I expect from the company. 

I called Macy 's Credit Card line on XX/XX/XXXX. I explained my situation. At first they did not understand what I was referring to, since in the statement in says that I received a refund for a suit. They did not understand that I had purchased two suits, and one suit was already returned, and that I was making a dispute on the other one. 

The credit supervisor let me know that unfortunately due to store policy they could do a refund. I then stated this was the point of the dispute, that I was disputing the charge due to the substandard quality of the suit. She then stated I would have to take it up with the manufacturer. I asked her how would this be done, given that I purchased it from them, and I could not just ring up the manufacturer to tell them about the substandard quality their suit had. She did not have a response.
Consumer complaint received 2019-06-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed a dispute regarding the inaccurate bankruptcy records on my credit report. XXXX responded with a letter confirming they were unable to complete the reinvestigation within the required timeframe and as a result deleted bankruptcy XXXX. The original dispute involved both bankruptcies listed on my credit report and both should have been removed. My case was withdrawn and I did not go to court. I have submitted proof previously. Please reference the following FCRA requirement : ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal. 

In accordance with your failure to complete the reinvestigation in the required timeframe both bankruptcies should be removed.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo utilizes information from XXXX XXXX XXXX  to make decisions about consumers. This information in this database continues to negatively impact and impedes my efforts to feel whole. I have provided the bank as well as the XXXX XXXX with the police report, the judgement of enforcement order against my ex-husband extrapolating his erroneous report of frauds as well as the divorce decree.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

I transferred XXXX bitcoin to my XXXX wallet from another exchange ( XXXX ). In order to do this, Coinbase ( who owns XXXX ) will usually transfer it into my Coinbase wallet, and then it auto-transfers over to the XXXX wallet. 

The Coinbase wallet received the funds fine. I received a confirmation email stating so. Shortly after, however, I received another email from XXXX with the subject line " Attention Required. '' It said the transfer had failed, and to move it over from Coinbase manually. 

I logged on to perform this transfer, only to find that that the Coinbase wallet noted the transfer as " complete, '' and there were no funds in there to manually transfer. On the XXXX side, the transfer was noted as " pending. '' It has been in that state ever since ( over a week now ). It also shows the " estimated payout '' time to always be whatever the present time is when I check it. 

I emailed XXXX support on XXXX/XXXX/XXXX and included all the relevant information ( below ). I received an auto-response giving me a case number ( Case # XXXX ). I have followed up with them by email twice and received no response. I have tried calling and no agent ever comes takes the call, even after 90 minutes on hold. 

I have done other transactions since, but the funds for that transfer remain inaccessible. 

Transfer ID : XXXX BTC transaction hash : XXXX
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : TRANSWORLD SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill,  or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected.

Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX   University that gave you the right to collect this debt
Consumer complaint received 2023-02-12
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. (GA)

XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2023-03-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account Name XXXX XXXX XXXX Account # XXXX, and Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2019-03-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (MI)

Paypal solicited me for their Paypal credit. I applied & was approved for a {$3500.00} line of credit in XX/XX/XXXX. I used this line of credit once for {$29.00} and with XXXX for {$280.00}. 
However, every time I attempted to use my line of credit after I was either denied or informed the merchant does not accept Paypal credit for my transaction, This was false information as the merchants all accept paypal credit. I would be forced to contact support who also would provide false information to me. I would wait a few days initiate the same purchase and sometime they would process. Finally Paypal would admit my line of credit use was restricted but refused to tell me why. I would request my complete dossier Paypal has created for me and Paypal refuses to provide that.

In Summary Paypal has restricted my use of the line of credit and refuses to inform me why. 
XX/XX/XXXXI linked a checking account and made a payment. However, since XX/XX/XXXXI have been  unable to link that same checking account therefore unable to make a payment. Paypal provided me other options but those also will not process for me, It seems Paypal has now restricted my from all online options to make a payment but refuse to inform me why, I have emailed support at least 6 times about this and they do not respond. Paypal has breached out contract in so many ways and I have since filed a lawsuit in the XXXX district court XXXX Mi XXXX. In the meantime my account payment is late but I have no options to pay and Paypal refuses to answer any of my questions. 
This is literally insane!
Consumer complaint received 2023-03-23
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-03-23
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. (FL)

I am submitting this CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I am in need of your immediate attention regarding the following items : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX This need to be removed I have reported to remove from XXXX report
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have a mortgage loan with Bank of America. In XX/XX/2020, Bank of America commissioned an appraisal of my home as a condition of granting the mortgage and the value of my home in that appraisal was {$260000.00}. On XX/XX/2020 Bank of America posted 2 payments which reduced my loan balance from {$220000.00} to {$34000.00}. The payments and new balance vs. the XX/XX/2020 appraisal meant that I had approximately 87 % equity in my home. 

Despite that, Bank of America still charged me {$50.00} for PMI on XX/XX/XXXX and another {$50.00} for PMI on XX/XX/XXXX. I complained to them about continuing to charge PMI to me AFTER they were entitled to do so and their response dated XX/XX/2020 simply said " our records show we received a request to remove PMI on XX/XX/2020. The request was reviewed and the PMI was removed effective XX/XX/2020. '' They concluded " we were unable to backdate the PMI cancellation to XX/XX/2020 as the loan did not meet the requirements for cancellation at that time. '' Who cares about XX/XX/XXXX? The loan was paid down on XX/XX/XXXX, but they proceeded to charge PMI on XX/XX/XXXX and again XX/XX/XXXX. They will not address the XXXX specific charges on XX/XX/XXXX and XX/XX/XXXX. Why are those not being refunded? Why do I have to repeatedly keep asking about this and submitting complaints and writing to them on their website? The equity was at 87 % on XX/XX/XXXX. Why did they keep charging me PMI after that?
Consumer complaint received 2024-05-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TRUIST FINANCIAL CORPORATION (NC)

Recently, a company that is not affiliated with the PREDATORY LENDER Truist, and therefore should not have had access to my personal details, entered my property and stole my vehicle. This company had access to highly sensitive information, including my name, address, social security number, and loan balance, which is concerning as this information is not publicly available. 

During the theft, the perpetrators deactivated all of my original key fobs and programmed a new aftermarket fob. This aftermarket fob has since malfunctioned, and XXXX is charging {$250.00} to reprogram my original fobs. This situation has caused me significant inconvenience and financial burden.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed several complaints against the 3 credit bureaus for violating my rights to a factual and thorough investigation into the inaccuracies listed on my credit report. My complaint was filed on XX/XX/2024 and on XX/XX/2024 I received dispute results stating the accounts were verified and updated. However, the complaint is still open with the CFPB and the company responded to the CFPB that they are still working on the issue. They have sent correspondence to me stating their investigation was completed and never sent any documentation supporting a factual investigation. I received results from the credit bureaus on XX/XX/2024 and XX/XX/2024 Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller
Consumer complaint received 2020-02-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems (CA)

I got an alert from XXXX  XXXX  saying I have a new derogatory account debt which was opened on XX/XX/XXXX and XX/XX/XXXX this unlawful tactic was used to target all three of the major credit reporting agencies. I have never gotten a witten validation letter from Midwest Recovery Systems in XXXX XXXX, Mo. I had an old debt that was charged-off and or closed back in the year XXXX I live in California and it is illegal for companies like MWRS to buy old closed contracts trying to recovery money that is no longer owed and account is closed. There is a statue of limitations after 4 years in my state. This company has ruined my credit score on all of my credit. They start out with harassing phone calls of intimidation talking about lawyers and mediation I was not sued and had no CCJ against me and the fact that they can just send any old piece of information to the 3 major reporting agencies with only profile information and your social and an old bought account number these agencies do not check to see how old the account is they just add it to your file as current by using such appalling illegal practices as a company. I am vehemently opposed to these misleading actions of MWRS. By my rights under the FDCPA and they should not be able to RUIN a persons credit because they are running an illegal scam. I am going to report this company to the AG in my state as well I will not tolerate this type of abuse from no one or organization.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2019-10-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent all the paperwork required by the ftc as stated in their recovery steps on the website! TransUnion did not remove!? I called TransUnion and the man said he can not remove The adverse accounts only can file a 4th dispute!? TransUnion has not removed the adverse after over 30 days and did not pass on the information to the other 2 CRAs I am a victim of identity theft and sent paperwork, police report & proof of identity -drivers license but it remains on my report and he said he can only file yet another dispute asking merchants to remove? 
i wasnt asked if I wanted identity theft so why should it be up to the merchants to remove me from the report?
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc. (CA)

I decided to work on my credit report. I saw that Aspen Collections was on it for a debt I thought was taken care of. The company no longer sent me any bills, no longer tried to contact me, since 2010. 
Credit reports shows that it is still in collections. I contacted Transunion directly and filed a dispute. When I was notified that the dispute was resolved I see that the balance trying to be collected had increased from {$200.00} to {$310.00}. What?!! Obviously my attempt to clear this up, backfired. Now what can I do? Is that legal? Why did the amount increase? Help? I have since filed a request for investigation with XXXX XXXX. It appears that absolutely nothing was done.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

Why does comenity not upgrade their cards their retail store cards to contactless tap pay they offer this in only a few cards but not all of their store cards it would be nice with the pandemic if they upgrade their card technology like other banks Have already this is feedback only