davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/ Reference # : XXXX.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

I was using paypal on my ecommerce store to sell products, and when {$4200.00} sales amount accumulated in my paypal account, paypal suddenly banned my account and kept the money for 6 months and said that they will return the money after 6 months, and now 1.5 years have gone ( today XXXX XX/XX/XXXX ), paypal never returned the money and kept the money saying that- damages caused to PayPal by Acceptable Use Policy violation ( s ) '' its clearly mentioned on paypal website also that for policy violation, they only deduct {$2500.00} and even though I didnt violated any policy, they kept whole {$4200.00} and never returned the money back my paypal account was banned on XXXX XX/XX/XXXX and my {$4200.00} were to be returned in XXXX, and on XXXX XX/XX/XXXX, paypal transfered the whole money to itself and never returned even a XXXX back paypal is doing total fraud and my paypal account is associated with email- XXXX and with name XXXX XXXX
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I went in person to XXXX XXXX in XXXX, Nevada on XX/XX/XXXX to look for a used XXXX XXXX  -- sales people suggested a car for me - said price is right etc it was XXXX XXXX XXXX vin number XXXX - very clean looked new -- i made arrangements - {$4000.00} down payment - car to be delivered 90 miles away to my home. This was done all seemed fine -- i just continued with my life during covid = figured motor vehicle closed and all keep driving my XXXX XXXX XXXX -- but i did not receive anything from AZ MVD -- phoned XXXX - mentioned it -- they said sent papers to AZ MVD but were returned - i asked send again and i will go in person to AZ MVD - i did so AZ MVD refused to process -- seems XXXX XXXX NO OWN CAR - title in name of private party and HAS A LIEN car has been at my address XXXX will not take car back - i have sent numerous e mails AND the CAPITAL ONE BANK involved in a car loan for this vehicle keeps saying i have a car loan with them. I DO NOT - and have told them this -- they know it -- and i made about 3 payments to them before i realized entire car sale and loan false. They refuse to return my money. They are damaging my credit. The car itself is abandoned in my carport - note no official loan number - this is not legal contract
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

The credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.
Consumer complaint received 2021-06-08
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. (GA)

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor XXXX XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor XXXX XXXX- - Open date- XX/XX/XXXX 3. XXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1XXXX XXXX- Inquiry date- XX/XX/XXXX 2. XXXXXXXX XXXX- Inquiry date- XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX 4. XXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX 7. XXXX XXXX XXXX-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXX XXXXV- Inquiry date- XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Hello, I booked a family vacation with XXXX  online travel agency. Two reservations were booked for a party of XXXX. The first group consisted of XXXX people and the second group consisted of XXXX people. I opted to use their Pay Delay payment plan option and made the initial deposits on XX/XX/XXXX in the amount of {$590.00} for group 1 and {$190.00} for group 2. The final automatic debit payment was completed on XX/XX/XXXX. My family and I were scheduled to travel on XX/XX/XXXX, to XXXX XXXX, XXXX returning to XXXX, New York on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the travel agency to find out what next steps to take ; I spoke to a representative who informed me to contact the airline and resort. The phone lines were inundated with travelers calling about their canceled trips. I finally got in contact with the resort in XXXX XXXX, XXXX, and was informed our reservation was not paid by XXXX. When I attempted to contact XXXX for a refund they were no longer in service and they posted a notice on their website. XXXX abruptly closed and disconnected their phone lines making communication impossible. 

I did not know how to proceed until I discovered a XXXX group with other members that scammed like myself. I filed a police report with the XXXX XXXX Police Department ( XX/XX/XXXX ), complaints with XXXX  compliant form ( XX/XX/XXXX ), Florida Attorney General ( XX/XX/XXXX ), and NY Attorney General ( XX/XX/XXXX ). I also contacted Chase Bank on XX/XX/XXXX to report services not rendered. I was issued a temporary refund of the total amount of {$6700.00} while they conduct an investigation. Today, XX/XX/XXXX the temporary refund was reversed. I contacted the bank to inquire about the decision made and they informed me that the 120 days timeframe to dispute a debit card claim expired. I am extremely devasted by the entire situation and by my banking institution. The actions taken by XXXX  is unjust and has hurt many families financially. I ask for your assistance in this matter. 

Attachments : Copies of the initial deposits for the Pay Delay payment plan, proof of successfully completing payments, and the notice of temporary refund from the bank.
Consumer complaint received 2022-04-30
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 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 XXXX XXXX XXXX ACCOUNT NUMBER - XXXX
Consumer complaint received 2022-01-13
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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Ive tried to settle with Capital One but the attorneys office is saying Capital one will only settle for 75 % the debt is almost XXXX I offered XXXX because Im not longer working but they said they could only accept that as an installment plan. The account was closed back in 2017.
Consumer complaint received 2021-02-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. 
Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-06-08
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. (FL)

No one help me about disputes I sent too all credit bureau I had some things on there that dont belong too me and the bureaus keep putting on my credit report after I dispute everything no one help me
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX ( ORIGINAL CREDITOR : DSNB MACYS ) XXXX Date Open : XX/XX/2019 Balance : {$18000.00}.
Consumer complaint received 2021-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Ok so this is the third complaint After reviewing an email sent to me I have found that the insurance that Huntington has used to pay for the damages done to the home does not cover my detached garage that has damage done to The issue is that the insurance I signed for and Huntington messed up at the time of closing would of coved my garage so now bc of Huntington my garage roof has damage and isnt being cover because of their mistake Second issue the deductible for the insurance I signed for at closing was I think XXXX $ Well the insurance that Huntington used is 2000 $ so I lost XXXX $ because of Huntington Third problem My ceiling has water damage from the roof leak and it is not being cover bc the inspector said that occurred over time It it took forever for Huntington to figure out that they messed up and send an inspector out so while all this was happening my roof had damage that I personally went up and slowed down with tar to try to save my house Fourth I call and call and call and never get a call back Ive called XXXX XXXX XXXX XXXX XXXX XXXX XXXX All today and left messages Ive called XXXX 3-4 times in last two weeks and no call back Ive called her a few times over the last few months and no call back So when it says the damage occurred over time its not me at fault its the people never responded to my calls and Im tired of it All the money Huntington is going to make on the loan at 4. Some percent and they cant even fix their mistakes in a timely manner its disgusting how bad the treatment is being a customer I should of known not to use Huntington when I had issue before even buying the house
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WI)

On XX/XX/XXXX, I opened a silver business checking account with banker XXXX XXXX XXXX XXXX at the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. He walked me thorough the website to open the account & register for online banking, registering for the promotion for a {$300.00} bonus when {$3000.00} was deposited with 30 days of account opening & online banking activated. He confirmed I qualified for this bonus # XXXX he added to my application, and that activating my online banking with him qualified me to receive the {$300.00}. He also mentioned that depositing the new {$3000.00} in funds via ATM or lobby in person will be ok since the mobile app wasn't working for 30 days as a new account holder & a wire transfer or ACH wasn't available. After following up with XXXX-8 US Bank employees in various departments the past 2-3 months since XXXX & calling the IT desk, business services, stopping by the branch in person & emailing various departments via the website every few weeks, they verified I qualified for the bonus several times, and were just waiting for the team manager that did the review to activate the bonus. With my last interaction XX/XX/XXXX with XXXX XXXX at the same XXXX XXXX branch phone : XXXX, he mentioned I didn't qualify for the {$300.00} bonus since I didn't deposit the {$3000.00} on XX/XX/XXXX via mobile deposit. I told him I was told any means of deposit including ATM & lobby deposit would qualify me for the bonus by XXXX via phone & XXXX 's email correspondence confirming I qualified for the {$300.00}, since the mobile site wasn't working when we opened the account online together with Banker XXXX XXXX XXXX XXXX. I followed all the instructions given exactly, and was assured I would receive the {$300.00} account opening bonus by XXXX. Now 14+ hours of follow-up ( several more voicmails left for XXXX & XXXX XXXX XXXX XXXX XXXX branch ) & several months later I have still not received it. I would like to be paid and receive compensation for my 14 hours to date ( XX/XX/XXXX ) of wasted time by their stonewalling & fraud bait & switch tactics. The US Bank culture is rotten & as an XXXX XXXX myself, I see several material weaknesses & fraud risks throughout this organization. I still had access to former entity accounts form 2+ years ago & that same entity had their email on my new account opened up in XXXX. I was also accosted at their ATM & when I reported it to the tellers that day, nothing was done " we have no security today ''.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

Due to me being a victim of identity theft these items are on my credit and its effecting my progress in life I can not get approved for any credit these are the dates of unauthorized collections on my credit report XXXX these dates are from unauthorized collections placed on my credit report
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have tried several times to have Capital One to send a cashier Check ( XX/XX/2022 ) for them to state they can not do it and that it has to be done online. When attempting to do it online, my account gets locked out and I have to wait 24 hours for the account to get unlocked. Waited the 24 hours and the account gets locked out again with the agent on the phone stating that they can not assist. Tried to get money wired to an escrow account on XX/XX/XXXX and got the same run around with them saying that no bankers were available and I had to call back on Monday, account again was locked out with me not being able to do anything for 24 hours.
Consumer complaint received 2021-06-08
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. (NY)

On today XX/XX/2021 XXXX, I called Transunion to remove XXXX XXXX XXXX an unauthorized/use inquiry Pursuant to FCRA 15 USC 1602 ( p ). Pursuant to FDCPA 15 USC 1692c ( c ) ( 2 ) I invoked my right as the consumer and the original creditor, and Transunion refused my invocation of consumer rights 10 times. The first female employee name is XXXX, she denied/refused my invocation 5 times, and the following male employee/supervisor XXXX XXXX denied/refused my rights 5 times. Under FDCPA 1692k this is {$1000.00} each violation. Under FCRA 1681, this inquiry is a violation. This inquiry is not accurate, or fair credit reporting. Pursuant to 15 USC 1602 ( p ) This is unauthorized use of my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( b ), Transunion is in violation of this law. Transunion has violated my consumer confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
XXXX XXXX hung up the call terminated the call without my consent, which is another {$1000.00} violation under the FDCPA 1692k CIVIL LIABILITY.

Pursuant to 18 USC 3571 ( c ) ( 7 ) FINES FOR ORGANIZATIONS, this is an infraction, not more than {$10000.00}. 
Pursuant to 15 USC 6823 CRIMINAL PENALTY, ( a ) In General Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. 
( b ) Enhanced penalty for aggravated cases Whoever violates, or attempts to violate, section 6821 of this title while violating another law of the United States or as part of a pattern of any illegal activity involving more than {$100000.00} in a 12-month period shall be fined twice the amount provided in subsection ( b ) ( 3 ) or ( c ) ( 3 ) ( as the case may be ) of section 3571 of title 18, imprisoned for not more than 10 years, or both.

Pursuant to 15 USC 6821 PRIVACY PROTECTION FOR CUSTOMER INFORMATION OF FINANCIAL INSTITUTIONS ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution PURSUANT TO FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy rights as the consumer, and as the original creditor. My remedy demands are as follows Removal of XXXX XXXX off of my TRANSUNION report. 
Imprisonement upon XXXX, and XXXX XXXX, for not more than 10 years 15 USC 6823 Pay the total amount of fines as required by law.

TOTAL NUMBER OF VIOLATIONS- 54 TOTAL MONETARY REMEDY- {$54000.00}
Consumer complaint received 2021-06-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (CA)

Mon, XX/XX/XXXX, XXXX XXXX, I received an email saying " You're in! '' as an account was created in my name and with my email. 

Mon, XX/XX/XXXX, XXXX XXXX I received an email saying my phone number has been updated to ( XXXX ) XXXX, which I am including here because it is not my phone number. I do not know whose phone number this is. 

Tue, XX/XX/XXXX, XXXX XXXX I attempted to chat with MoneyLion to resolve the issue, but they need personal information and I 1 ) do not want to share any with them and 2 ) will not have the details the fraudulent opener used Tue, XX/XX/XXXX, I called MoneyLion and verified that someone else has opened the account in my name. They only used my first name and my email address, but the phone number and SSN are different. MoneyLion says they will send to their fraud department and follow up with me in 5-7 business days.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (AL)

To Whom it may concern, I recently challenged the validity of CREDIT ACCEPTANCE CORPORATION # XXXX ( Collection ) account thats being reported on my most recent credit report. 
Upon challenging this, XXXX  ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. 
If such documents can not be produced please DELETE this account from my credit report immediately.