davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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 (ID)

I received an item that I did not order and the retailer charged my credit card. I disputed the charge with my credit card company, following their process. I provided all available documentation in timely fashion when my credit card company asked for it. My credit card company initially put a hold on the charge, but after a few weeks they removed the hold and said I must pay the charge because I didn't provide the documentation they requested. Because I actually had submitted everything they asked for, I called them by phone to appeal this decision. The customer service rep said he would have the case re-opened. However, several weeks later I have received no follow up from the credit card company. 

I need them to remove this charge from my bill. I did not order the item.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I do not recognize the following inquiry XXXX XXXX Inquiry from XX/XX/2018. Please investigate to ensure there is no fraudulent activity.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (FL)

a little before XXXX I was buying a ring for my fiance to get marred on XX/XX/XXXX, I was supposed to receive ring on XX/XX/XXXX, but my mom told me she didn't receive anything at her address at all and I shipped the ring to her address. They also told me that my ring was shipped to a store when I didn't get it shipped to a store at all. During this time, I was out of town with my fiance showing her time before I proposed to her, but I couldn't cause I didn't have the ring I wanted for her. I had to buy a whole norther ring for her and they trying to charge me with something I didn't get. I'm not paying for nothing I didn't receive at all. They are absolutely wrong for that, and they still want me to pay. I paid some payments off when the ring was shipping that's why there are payments, and the rest are payments I didn't pay because I didn't receive the ring at all!!!. I ALSO EMAILED THEM AND THEY DIDNT CARE
Consumer complaint received 2022-05-18
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. (AL)

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 15 U.S.C1681 section 602A states I have the right to privacy 15 U.S.C 1681 A section 2 It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-12-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX XXXX XXXX : {$1400.00} - This account currently reports information illegally. An account having a status of XXXX  days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet for XXXX consecutive months you continued to mark this account as XXXX  days late. I request a thorough investigation and an update must be made with lawful accuracy. Regards.
Consumer complaint received 2019-01-22
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: Resolve Partners, LLC (AZ)

This item needs to be removed. the original company XXXX is in violation of several renters right and are unlawfully having Resolve Partners report on there behalf. This is an Arizona State violation ( A.R.S. 13-1321 ). Not to mention Resolve Partners doesn't even have an Arizona license to be doing business or reporting in the State of Arizona.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc. (AL)

I contacted cash app customer service and told them I needed to get into an old cash app account I didn't remember my email or phone number the only thing I could remember was my cash tag and the last four digits of my card number she said all she needed was an email or a cash tag called them back got another person they told me that they were having security problems helping me open it back up and then they go from one story to another but the IRS sent me money into my old cash app account that I don't have access to and they won't help me get access to it because of security reasons
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (TX)

To the Consumer Financial Protection Bureau, I am writing to file a formal complaint against Comerica Bank regarding their unlawful withholding of funds from my account. My name is XXXX XXXX, and I have encountered significant difficulties with Comerica Bank in accessing my own funds despite providing ample evidence of ownership and the origin of the deposited checks. 

After enduring a lengthy 20-day hold period on my initial deposit, I was finally able to access my funds, only to encounter further problems shortly thereafter. Subsequent attempts to log in to my online account were unsuccessful, and once again, I was met with refusal to provide assistance over the phone. 

Upon visiting a Comerica Bank branch in person, I was informed that my funds, totaling {$7000.00}, were being held indefinitely due to the bank 's request for original deposit checks dating back to XXXX. This demand directly contradicts the terms outlined in Comerica Bank 's online terms and conditions, which state a retention and destruction clause for original items after 10 days. The prolonged hold on my funds has not only caused me significant financial strain, resulting in losses of over {$20000.00} missing days of work spending hours talking to the bank. 

Since the initial deposit, I have only been able to withdraw {$1500.00} from my Comerica account. It is now XX/XX/2024, and the remaining funds totaling {$5500.00} remain inaccessible. Despite my efforts to communicate with Comerica Bank, including writing to corporate, I have received no response. 

Comerica Bank 's refusal to release my funds or close my account is unacceptable and unjustifiable. They continue to send me statements showing the held funds for the last year. There is no valid reason for them to continue withholding my money, especially considering the evidence I have provided to prove the legitimacy of the deposited checks. And evidence that the checks CLEARED AN ACCOUNT THAT I OWNED! 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Comerica Bank for their unlawful practices. I request immediate assistance in resolving this issue and obtaining access to my funds. 

Thank you for your attention to this urgent matter. 

Sincerely,
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AL)

1. Paying into an escrow account that I feel should not have been paid to Select Portfolio Servicing , Inc .

2. Paying Property taxes - no property taxes ( exemption due to XXXX since XXXX and age ) but the Mortgage Company withheld escrow for taxes and insurance from the time they acquired the mortgage.

3. Non-escrow account built and billed based on non-existence property taxes ( charging an escrow of {$6.00} x 24 months ( {$140.00} ) which should not exist because ; however, " the statement states that account has a monthly reserve requirement of 0 months - no escrow needed.

( 1 ) insurance is only {$140.00} ( paid each month by me ) with no increase in the last 3 years ( 2 ) no property taxes exist to be paid since ( XXXX ) - no taxes since becoming sole owner in XXXX 4. Can not understand the reason for the {$180.00} monthly charge to Escrow but only {$140.00} is needed for insurance, but Select Portfolio , Inc. shows a shortage in the Escrow account. Why?

5. Select informed me that I can not send extra principal payment without first calling Select Portfolio Servicing , Inc . In the past, I have always sent two checks : a monthly payment and a check for the extra principal but on the statement " No prepayment penalty '' XXXX Mortgage Payments : XX/XX/XXXX {$1000.00} for an extra principal ( check # XXXX ) and {$670.00} regular payment ( check # XXXX ) Should have been : {$1000.00} ( principal ) - and {$330.00} ( principal ) total = {$1300.00} NOT {$820.00} - - want to know where the money was applied for the month of XX/XX/XXXX and XX/XX/XXXX? 
XX/XX/XXXX - no statement provided for disbursement of money XX/XX/XXXX - {$1000.00} ( XXXX cents short ) paid for XX/XX/XXXX and XX/XX/XXXX {$520.00} mortgage payment applied for XX/XX/XXXX - {$6.00} to close the escrow account totaling {$530.00} {$510.00} applied to the principal account ( should not have been put in escrow ) because I did not request that of Select Portfolio ; however, no escrow should be owed because there is no escrow account ; therefore, payment should be applied to XX/XX/XXXX Mortgage Payment as verbally discussed with Customer Service on Monday, XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX Escrow Cancelation - Refund Due {$720.00} Insurance will be paid directly to XXXX XXXX XXXX XXXX by Mortgage Holder : XXXX XXXX XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} XX/XX/XXXX - XX/XX/XXXX Overpayment Shortage ( Escrow ) - Refund Due {$220.00} XX/XX/XXXX - XX/XX/XXXX ( {$180.00} x12= {$2100.00} - ( {$1700.00} Insurance ) = Refund Due {$370.00}
Consumer complaint received 2022-05-17
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. (PA)

I have disputed the listed accounts on several occasions and the furnisher constantly changes the status of the account. These accounts should not be reporting to my consumer report because I have not given written consent for it to be furnished. These accounts also should not be furnishing any payment history as that is to be excluded from a consumer report. Please see attachments for details.
Consumer complaint received 2022-05-17
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. (AL)

I was robbed in 2016 at XXXX XXXX  by XXXX XXXX and ended up in the hospital. Went to the police station the next day and filled a report because theyd stolen everything I had on my person. Including my wallet I did file a police report. However that could only go so far. Im contacting you all because Ive notice many things on my report that doesnt line up and was told the best place to go would be here. So hopefully I can get help with this thank you All the best - XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-22
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. (TX)

On XX/XX/2021 letters were sent to Transunion, XXXX  and XXXX  explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.
Consumer complaint received 2022-05-17
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. (AZ)

On XX/XX/2022, I received an alert from MyFICO.com that my credit score dropped XXXX points, then XXXX points, and another XXXX points per credit agency. 
MyFICO also indicated that a credit account had changed on my report. The account was for an energy company in Texas called XXXX. 
A quick investigation would clearly show that this account is not mine. I called XXXX XXXX times, on XX/XX/XXXX at XXXX AM and on XX/XX/XXXX at XXXX. XXXX representative stated it's under investigation. XXXX sent me my consumer report and noted that the error would remain as accurate. It is not correct or valid! And not accurate. My information indicates that I have never lived in Texas. My consumer report shows I'm currently a XXXX  XXXX in California. Not Texas. At no time in 10 years have I lived in Texas or even visited. The name on the account, per XXXX conversation, is not mine. They got the SSN correct. However, to obtain service from a so-called energy company, you must show a valid ID and other documentation to prove who you are. This XXXX XXXX ( XXXX ) is reporting incorrect information. It costs a measurable amount of time, energy, and money. I've yet to hear from the other credit agencies the results of my disputes.
Consumer complaint received 2021-07-22
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: CMRE Financial Services, Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-05-14
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. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

I am the co-borrower for my son 's private career training loan, which I have been paying for 12 years. Every monthly payment has been made on time except for last month ( XXXX, XXXX  ) which could not be made because the lender 's computers were broken ; I called at the time to clarify what was wrong, at which time I was informed of the problem. I was assured that I would not be charged a late fee when making the payment. I was able to make make the XXXX payment through the lender 's computer payment system on XX/XX/2022. Upon making XXXX 's payment today, XX/XX/2022, there was a charge of {$51.00} for a late payment for XXXX 's bill. I called Navient. I, of course, got nowhere with the telephone clerk, who told me that she would send a message ; she could not tell me to whom she sent the message or the department to which she sent it. She further told me that there was no one with whom I could discuss the problem. I refused to pay the late fee and told her that I would contact the CFPB. The servicer/lender is Navient, which I think has its headquarters in Pennsylvania. I am furious that the computers that broke then charged me a late fee. Having no alternative and being shut out from speaking with anyone in authority at Navient, I have nowhere to turn other than the CFPB. Thank you.
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

XXXX thru XXXX Need letter for forgiveness/release for mortgage given for a mortgage loan we had thru GMAC mortgage ( now XXXX  ). This forgiveness paperwork was given thru GMAC mortgage via the XXXX  XXXX XXXX XXXX. 
This paperwork was never filed with XXXX  XXXX XXXX records to show the loan was satisfied and released and currently states no activity in XXXX  with last servicer as XXXX XXXX XXXX we need this paperwork so our title company can close our home sale. 
XXXX is bankrupt and the servicer XXXX XXXX XXXX is also bankrupt and we can not get any information or paperwork.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-17
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. (AZ)

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX # XXXX, XXXX XXXX Account # XXXX and 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 a account without my written instructions
Consumer complaint received 2022-05-17
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. (AZ)

In accordance with the Fair Credit Reporting act, XXXX   Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX # XXXX, XXXX XXXX Account # XXXX and 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 a account without my written instructions
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

In reference to CFPB claim XXXX and the documentation, I received on XX/XX/2022. The documents are unresponsive to my demand. I requested proof that I owe Eastern Account Systems, Inc. money. However, the documentation sent to me refers to an Internet, TV, and Phone company named XXXX. I sent a letter to Eastern Account Systtem , Inc. on XXXX, requesting they provide me evidence that I owe Eastern Account Systems, Inc. money. If they can not provide such documentation, they should remove the erroneous collection from my credit file with XXXX and XXXX. They chose to ignore this letter and did not respond. I am now invoking my right to have the account this erroneous collection removed/deleted from my credit file with XXXX and XXXX. I have not been provided proper documentation showing that I owe Eastern Account Systems, Inc. anything, and they have not responded to my letter for over 45 days.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-05-17
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. (PA)

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 2022-05-18
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. (NV)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, Dept of Ed/XXXX  ACCOUNT XXXX XXXX, Dept of Ed/XXXX  ACCOUNT # XXXX XXXX Dept of Ed/XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, ACCOUNT XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # 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 a account without my written instructions