davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (MI)

I had a loan with XXXX Greensky XXXX Our bank shows that the amount is paid and I called to confirm that there is a XXXX balance on my account but Transition and Greensky says that the information is accurate with a XXXX balance.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (TX)

in accordance with the Fair Credit Reporting act inquiries XXXX XXXX, XXXX XXXX XXXX XXXX and 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 2022-04-14
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. (TX)

in accordance with the Fair Credit Reporting act inquiries XXXX XXXX, XXXX XXXX XXXX XXXX and 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 2022-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I went on XXXX to find an apartment to rent. Someone offered an apartment and asked for a {$1300.00} deposit first so they could give me the keys. After a week of no update on the keys, they stopped responding to my messages. I went to my bank to try and fix the issue, but they said that since it was a willing transfer that I couldn't get it back through the bank. However I was lied to and paid money for an apartment without ever receiving entry to it.
Consumer complaint received 2018-04-03
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: Experian Information Solutions Inc. (NY)

my personal information was used to obtain student loans and i had no knowlege my personal information was lost before however i did know unti last year that some one had been using my identity and its been crazy trying to proove im who i say i am ever since i need help getting these 4 accounts  removed from my credit reports
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax had a duplicate file for me, this was finally fixed in XX/XX/2021. As you can see my credit report can be accessed on XX/XX/2021, on XX/XX/2021 my credit report went back to the duplicate and saying I was a fraud victim and have an extended alert which I do not! I also disputed to Equifax that they are reported a single account, XXXX XXXX, twice! I only have one account with them. I have enclosed copies of my issues, things never get fixed.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX I made a transaction through PayPal to purchase software in the amount of {$2500.00}. Within a few hours I was alerted that the seller was using counterfeit software and I requested a refund. On XX/XX/XXXX they issued a full refund. It was just hours apart that these transactions happened. According to PayPals help info when this type of charge/refund happens close together they try to cancel them out so it doesn't even happen. Even though PayPal could see that a refund was issued they showed the charge as pending on the XXXX, nothing in my bank on the XXXX, ( I assumed they were cancelling out the whole thing ) yet, on the XXXX they withdrew the money from my account. It is now 5 days since the refund was issued and it is not back in my bank account. My phone says that the refund is completed this morning yet there is no refund in my bank! Nothing pending. On PayPal it says it's completed. They tried to say that they paid for it with their money. Here is what they said - '' But if you see, the payment you sent was funded by your bank XXXX, it takes 3-5 business days for bank ACH transactions to reach us, so PayPal provided you with an Instant Payment option, which means PayPal paid your recipient instantly so they got paid right away, and then we are waiting for the funds from your bank. But while we were waiting, you have got the refund from XXXX. So the refund is now in pending status. Once we get the funds from your bank for the initial payment, then the refund which is now in pending status will automatically gets credited back to your bank. As you said the funds were already cleared from your bank, I request you to allow it some time and you will sure get the funds sooner. I appreciate your understanding and patience. Thank you. '' I believe this is confusing to any consumer as they are saying that I chose instant payment option. I just paid an invoice that was sent to me. The payment showed in my bank almost immediately as pending, why is PayPal using their money when the transaction is coming out of my bank? PayPal is holding my money and using it for days without refunding me properly. It has hindered my ability to use these funds to purchase the correct software for my business. And I believe they are purposely holding it back now because I have complained to them. I have used PayPal in the past and I have received refunds much quicker for small amounts. It seems to me that they are holding larger amounts as long as they can. I believe you should investigate how PayPal is operating with refunds etc... Not just for this complaint, but for all the people who use this service.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor GMAC XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX I always go on line to pay my bills at Bank of america. 
that day they were updating website. so as usual I setup up to pay my bills after XXXX XXXX is when my check come in. 
not realizing that as I had set it up something happened. 
I was getting emails of insofiance funds in my account. 
XXXX XXXX Friday. 
so I made the appointment to the bank, and I spoke to Reprehensive at about XXXX XXXX she called accounts transfer in the bank, they could do nothing because they were still transferring from accounts. 
the bank want to know if I still had the credit card from bank. 
I said yes, its at home in draw. wanted me to add the ove drawn on to my card for me to pay for their mastakes. I said Im not paying for your mistakes. 
so Ive set up another appointment for XXXX XXXX to see if they have corrected this problem. 
its been very unsetting. 
XXXX XXXX
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AZ)

I purchase a property in XXXX and the Title company has sent the wrong bank routing number to Fay Serving. 

How they have charged me almost {$330.00} in late fees and this will impact my credit score with the beareas. 

Can you please ask them to fix this mistake and remove late fees. 

Dear XXXX, I appreciate your assistance on this matter. 

Please note the routing number on the form was NEVER completed by me and it was done by the title company. 

Now I have to waste my time to fix this, due to NO fault of mine. 

Also, I want to lodge a formal complaint about XXXX in Asset Management and please let me know how this can be done. 

Thanks XXXX
Consumer complaint received 2022-12-08
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: JPMORGAN CHASE & CO. (MI)

UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen two unauthorized inquires on my report ( XX/XX/XXXX, XX/XX/XXXX ). The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with JPMCB Card Services As well as I do not have an account as defined under 15 USC 16939 ( a ) with JPMCB Card Services for reviewing of any sort. 
JPMCB Card Services is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. 1 ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent 2 ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or XXXX ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate if you do not comply with this demand.
Consumer complaint received 2021-08-23
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. (NJ)

The Credit Bureaus known as Equifax, XXXX, and XXXX  are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore Equifax, XXXX, and XXXX  are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' needs to be removed from my credit report immediately. 

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.
Consumer complaint received 2017-04-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bleier & Cox APC (CA)

Bleier & Cox APC and associates have contacted my bank to supeona my bank records in order to illegally collect an unlawful and fraudulent debt that I never had. I received a letter from my Bank indicating that this firm has gotten a court order to get all of my bank accounts. This is against my privacy rights. This is against the FDCPA THIS LAW Firm has illegal and harassing tactics to steal and collect monies from people that do not owe any debts. This company needs to be shut down and investigated. As a Law Firm they should know better, but they hide and fraudulently steal from people. I never had any contract with them or what they are claiming. This is Fraud and want them to cease and desist. Bleier and Cox should be fined. Their tactics are a deliberate violation of applicable laws and statutes. I am an elderly person that this Firm is trying to take advantage of. It is elderly financial abuse.
Consumer complaint received 2022-08-26
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. (NJ)

I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Transunion and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove Inquiries and Accounts, XXXX XXXX XXXXXXXX Inquiry date XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (OH)

midland credit management is attempting to double collect on an account that was settled by a debt consolidation company and midland credit management agreed, collected an amount, and cherged off this account in XXXX this is an illegal attempt to collect against that agreed upon settlement and cgarge off .i have attached a agreement between them and bedrock legal with the account numbers
Consumer complaint received 2022-01-26
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. (MI)

Reached out to Equifax multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. Equifax has broken NUMEROUS XXXX laws. Reached out to them via mail/certified letters with return receipts. Equifax did not have permissible purpose to report anything to my consumers credit report. Equifax received information from someone other than myself. Thats aggravated identity theft! Equifax also didnt have my written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. Equifax must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (MA)

I have had a Discover Card since 1989. I have never missed a payment. Discover closed my account due to inactivity even though I made a purchase and paid in full as they requested. I called customer service and was told there was nothing that can be done. The supervisor, XXXX, did nothing to find out if there was a simple reinstatement process. I feel as though I have been an outstanding customer and complied with their rules and they closed my account and affected my credit score as a result because now the age of my credit and credit lines have become reduced. After a number of calls and a letter they refuse to reinstate my account. I have done nothing wrong. Please help.
Consumer complaint received 2022-08-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My mother had myself on her checking account Joint. I lived in a different state and, did not use her account. The only reasons I was on this account was due to her declining health.She Passed on and this account is dated and affects my personal interest. This is an unfair practice that this entity due to greed can STILL hold me accountable. I prey that your organization will assist in making this right, and correct these dated remarks on my credit report. Thank you.
Consumer complaint received 2022-08-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NM)

My mother had myself on her checking account Joint. I lived in a different state and, did not use her account. The only reasons I was on this account was due to her declining health.She Passed on and this account is dated and affects my personal interest. This is an unfair practice that this entity due to greed can STILL hold me accountable. I prey that your organization will assist in making this right, and correct these dated remarks on my credit report. Thank you.
Consumer complaint received 2023-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AL)

I received a bill from aidvantage for {$1900.00}. They claim I owe a late fee when I have never had any dealings with this company ever and there is a federal student loan payment pause. The total amount is also incorrect. I attempted to call and speak to someone but could not get in touch with a representative.
Consumer complaint received 2017-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I was victim of fraud but TD Bank is treating me like I was the perpetrator instead of the victim. I fell for an elaborate scheme that promised work from home. I cashed a check that cleared. I have learned the hard way clearing does n't mean the money has been verified. Days later TD Bank said the check was fraud but the money was withdrawn and paid to the " employer '' for equipment to work at home. Now it is my responsibility says both banks involved. TD has shown their true ways of business by caring more about themselves then their customers. I 've been a customer since it was called XXXX XXXX. This is my first issue and they treat me like garbage. I have called and called dozens of times and not one person has called me back. They promised to work with me because my direct deposits go to the bank and they would help by setting me up with a payment plan so I can live and also pay them back for being a victim now the responsible holder of {$3400.00} check. Not only have they lied to me about helping me. After calling so many more times, hey have applied my full paycheck to the amount owed and now tell me they wo n't help me by giving me any money but to add insult to injury they wo n't allow me to open another account without paying off " my debt '' to them. They also decided to pour salt in the wounds and " blacklisted '' me and have prevented me from opening up any other account with ANY bank. I am by far disgusted by this treatment and will not stop until some action is taken against the bank or have been provided with some assistance. Disgusted!!