davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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)

XXXX XXXX credit card representative promised that if I settled both accounts, that they would delete the account entirely from my credit report. Due to COVID-19 ramifications, it was very hard to come up with that money. XXXX XXXX did not keep their promise which they proposed as the accounts are still there.
Consumer complaint received 2019-01-29
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)

PayPal XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX 1.account locked 2.funds on hold 3.refused to give a valid reason why I couldn't access my funds. 
4.asked to have my funds released and I would no longer do business with them 5.the account in mension XXXX 6.The amount XXXX I was recently informed by PayPal that my account would be limited in the amount of XXXX because I violated their user policy I reviewed the policy and i violated none of their user agreements.I contacted them to and asked what user policy I violated and I was told by them " we don't accept your business '' .I told them I don't have a business and then they proceeded to tell me something triggered there automatic system, and would have to wait 180 days to have my money released to me even though though all my transactions where by myself and to myself they refuse to release my funds and when I ask them about it they either answer with something irrelevant to the topic or they just try to obfuscate me with things that clearly have nothing to do with the questions I asked.They can give no definitive reason why they can't give me my money back or release it to. 


The practices being used by PayPal in this regard are shady and uncalled for no reason why it Should be a 180 day hold on funds that belong to me when they can give a definitive reason why they are withholding funds. 


I have no interest in doing any kind of business with them at all and I just want my funds released to me.
Consumer complaint received 2022-03-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX//2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (IN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-01
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)

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX 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 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 2022-08-29
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. (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I already have a open complaint but they have seen their errors to a point and want me to pay {$680.00} to cover their mistakes. My account prior to all of these disputes was in the positive and until someone other than the dispute dept can figure the correct balance which if they go back to the date prior to all temp credits, reversals, etc they will see I had a positive balance not NEGATIVE {$680.00}. THEY CANT even figure it out with over 500 temp credits, to reversals, to duplicates and I gave not used my account since mid XXXX.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (MD)

This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, XXXX XXXX XXXX XXXX I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, XXXX, XXXX has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that XXXX, XXXX willfully failed to comply with 15 USC 1681s-2 ( b ). XXXX, XXXX must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.
Consumer complaint received 2022-08-29
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. (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

I have been called almost every day, sometimes multiple times a day by XXXX XXXX XXXX XXXX. They call me from at least 5 different numbers, and only sometimes leave a pre-recorded voicemail on my cell phone. I haven't received any kind on information from them regarding what the debt is, who its from, or any other kind of information. The consistent phone calls just one day started. I have just recently found out about writing a debt verification letter, and a cease and desist of communication, and will be sending out those letters asap. I have also just started not deleting my voicemails from this company as a proof of their harassment and persistence.
Consumer complaint received 2022-09-01
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. (MD)

This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, XXXX XXXX XXXX XXXX I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, XXXX, XXXX has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that XXXX, XXXX willfully failed to comply with 15 USC 1681s-2 ( b ). XXXX, XXXX must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I mailed my payment to this credit company. They received it on or before XX/XX/XXXX, then delayed in crediting my account until XX/XX/XXXX so they could add a late fee on XX/XX/XXXX. They even lied that they had not received it when I called them on the evening of XX/XX/XXXX, when it had been in they possession for over a week! 

On XX/XX/XXXX, I reminded them that Federal Law require the account be credited on the date it is received and requested they follow the law. The next day XX/XX/XXXX, they replied with a denial, claiming their company policy ( of applying the payment within 5 business days ) is the requirement.

Their admission verifies a violation of Title 15 U.S. Code, Chapter 41, Sub I, Part D, Section 1666c which states in part : Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligors payment in readily identifiable form, by XXXX p.m. on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof. 

I have a photocopy of my check with their penned noted " XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ''. So the payment I sent on XX/XX/XXXX was received on, if not prior to XX/XX/XXXX. Institutional delays and procedures do not trump the Federal Law. 

-Documentation ( including the check, email messages, and phone logs ) available upon request-
Consumer complaint received 2023-01-26
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)

15 usc 1681b permissible purposes of consumer reports. Inquiries have to have a permissible purpose. 

I did not authorize XXXX XXXX to do a hard pull on my credit dated XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

Hi, I have sent a money transfer on XX/XX/XXXX in amount of {$5000.00} ( plus fees ) using my XXXX  XXXX XXXX checking bank account. Receiver wasn't able to pick up the funds within 3 months, so according to MoneyGram policies refund request should have been filed. I filed refund request by calling customer support on XX/XX/XXXX, they asked me to wait for a week to get my funds back to my bank account. However, since then, I didn't receive any refund. I keep calling them every week, they ask me to wait another week, and then another week, and then another week. It has been 5 weeks already. And they don't say what is wrong, they just keep delaying my refund. And it feels like they are going to delay refund forever. I'd like kindly ask you to assist me to get my funds back.
Consumer complaint received 2022-03-05
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. (OH)

XX/XX/2022 i spoke with representatives at experian, XXXX, and XXXX about validating ( not to be confused with verifying ) of reportings on my credit report, they were unable too. i then asked them for a copy of when i sent any written documents of permissible purpose to validate the inquiries in question and i asked them for an audit trail, again they were unable too.
Consumer complaint received 2022-09-01
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. (NY)

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 appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date Opened:XXXX Balance : $ XXXX Late Date XXXX
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Hello Officer, Greetings. 

I opened the CITI bank account on XX/XX/XXXX, with depositing more than {$50000.00} dollars. The promotion should give me {$600.00} dollars if I maintain the balance of {$50000.00} for 90 days. 

I didn't get any promotion reward. 

I started to contact CITI on last month, from online to offline. They tried to send me to the branch, but there is no branch at where I live now. 

I also contacted the XXXX XXXX XXXX XXXX branch, where I opened my account. I called several times for solution, they only tole me that they are on investigation. For now, I didn't get any calls from them. It's me calling them again and again. 

I just want to my promotion reward back now, after depositing my {$50000.00} for more than two years, I should get the reward. 

Thanks
Consumer complaint received 2021-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have been making numerous attempts on calling back a debt collector ( XXXX XXXX ) with no responses back. My calls have been going out since XX/XX/2021, No physical person to speak to. I left a message to have someone call me back to see what this debt is about. 

still have yet to receive any answered phone calls or returned calls from XXXX XXXX 
was listed to call Capital One which I called 4 times before getting someone finally yesterday XX/XX/2021. I gave them my information and they said they have no history of any debt. So why does it show up >?
Consumer complaint received 2022-09-01
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. (NY)

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 appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section XXXX and XXXX, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (NY)

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 appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section XXXX and XXXX, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX