davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
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. (FL)

XXXX, XXXX, and Experian are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Consumer complaint received 2018-02-19
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. (NV)

Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MD)

ON XXXX YOUR COMPANY RECIEVED A CFPB COMPLAINT FROM ME ( XXXX XXXX ; CFPB Case # : XXXX ) TO VALIDATE YOUR RIGHT TO COLLECT A DEBT. YOUR COMPANY RESPONDED ON XXXX WITH THE ATTACHED DOCUMENT, IN AN ATTEMPT TO VALIDATE YOUR ABILITY TO COLLECT. HOWEVER THE INFORMATION PROVIDED IN YOUR RESPONSE LETTER AND THE INFORMATION ON MY CREDIT REPORT APPEARS INACCURATE. THE ACCOUNT STATUS IS INACCURATE SHOWING OPEN ON ONE BURAES REPORTING AND CLOSED ON ANOTHER BUREAUS REPORTING. PAYMENT STATUS IS ALSO INACCURATE. XXXX BUREAU SHOWING " LATE 120 DAYS '' AND THE OTHER SHOWING " COLLECTION/CHARGE OFF ''. YOU REPORT A LAST PAYMENT DATE OF XXXX BUT YOUR RESPONSE LETTER ( ATTACHED ) STATES MY LAST PAYMENT WAS XXXX. YOU ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY. ONE BUREAU SHOWING XXXX AND ANOTHER BUREAU SHOWING XXXX. I HAVE ATTACHED ALL SUPPORTING DOCUMENTS SHOWING YOU YOUR ERRORS AND DEMONSTRATING YOUR INACCURATE REPORTING. YOU ARE IN VIOLATION OF SEVERAL FCRA LAWS. ALL SUPPPORTING DOCUMENTS ARE INCLUDED ON THIS COMPLAINT. ( ORIGINAL CFPB COMPLAINT DATED XXXX ), LVNV CREIDT REPORT ENTRY ( CREDIT REPORT DATED XXXX ), LVNV/RESURGENT CAPITAL SERVICES RESPONSE TO MY ORIGINAL CFPB COMPLAINT ( DATED XXXX )
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/XXXX at XXXX XXXX I visited a golden one credit union at their location XXXX XXXX XXXX XXXX XXXX, CA XXXX. I deposited a cash amount of {$400.00} at the walk up atm and it took several minutes and made weird noises and spit back a recount out saying there was an error of giving me back my money sorry for the unconvinced I then went inside with my card and the receipt, once I reached the lady inside named XXXX, she then proceeded to tell me they would have to make a claim and if the atm came back uneven the money they credit me would be taken back. I proceeded to ask her so I deposited XXXX in cash and youre telling me if the machine comes back uneven you guys are going to take my money and not give me the credit and she continued to give me attitude about how what she said was policy. 


Everyone I speak to at golden one is unhelpful in telling me That it was a mistake on their end and I feel as if I have been scammed out of my {$400.00} I earned from work.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.
Consumer complaint received 2018-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (VA)

Original doctors office has no record of me being in the office ever. Office can not provide proof that I was there. They have another woman with the same birthday, that received the same treatments they say that I received. We believe that there was a mixup somehow.
Consumer complaint received 2021-12-01
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: NAVY FEDERAL CREDIT UNION (WA)

A collision has occurred ( see attached ) and the vehicle owner also as the cardholder called XXXX to tow the vehicle. XXXX dispatch called XXXX confirming XXXX of their partners responded to the scene and is only XXXX blocks away. For some reason, XXXX XXXX show up, purportedly claiming as the XXXX partner, but dropped off my vehicle into their tow yard instead of the place I wanted. XXXX dispatch called back at XXXX AM claiming they can not find me or my vehicle, then I realized XXXX XXXX had unauthorizedly towed my car without my consent, they demanded payment before they can release my vehicle, I provided them the card to charge, but wrote : " refused to sign ''. Once I have retrieved my car, XXXX local dispatch was contacted at XXXX AM ( see attached ), and XXXX finally towed my car to the right place because XXXX XXXX does not even have my consent to tow my car in the first place. Now when I dispute the charge, the card issuer required me to get a credit receipt, how could I get a credit receipt, if the receipt has been signed as " refused to sign ''?
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

on XX/XX/2019 a transaction on my debit card was disputed due to fraud. Bank of America initially credited my account but now is reversing the credited amount in dispute. I did not authorize the original transaction nor do I know who is using my identity and personal information to make purchases. Seeking assistance. 

Claim ID # XXXX Amount {$1400.00}
Consumer complaint received 2018-02-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank (GA)

Two names were on the title of the property. One of the persons on the title was employed with the loaning company called Synovus. That person received a loan with only that person 's signature ( the above listed person ) and the other person on the title did NOT sign in XX/XX/XXXX. The signee is now going bankrupt ( the only individual that signed for the loan ). There has been no release of the loan off of the property. In XX/XX/XXXX, no title search was done to determine if there was more than one person on the title. No title searches were done on the original loan or either of the renewals. In XX/XX/XXXX she renewed the notes on the property and the bank assigned rent. There is a possibility of repossession of the property against the person whose signature is missing from the loan. Later in XX/XX/XXXX a quick claim to the person whose signature is not on the XX/XX/XXXX loan was filed. The person who borrowed the money filed a quick claim to the other listed person on the title ( who never signed on any of the loans ).
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (AR)

I have never paid a car note late if I cant pay I always make arrangements. XXXX XXXX XXXX I was in the hospital for XXXX weeks which o told them I can send them proof. They gave me an extension which covers XXXX, XXXX and XXXX making my next payment due XX/XX/XXXX. They reported I missed a payment and in the XXXX years I have had this car loan I have never been late. I feel this should be corrected because it did bring my score down.
Consumer complaint received 2022-01-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc. (TX)

Money lion said they would process the money on XX/XX/XXXX and they took it out today on XX/XX/XXXX. I called the customer service and the first representative I spoke to refused to connect me to her supervisor for about 5 minutes. When I finally got in the phone with the supervisor, after concluding she also couldnt help me I informed her I needed her to contact her manager today so I can speak to them instead. She replied she had to send them an email and they would get back to me in XXXX business hours but if I really needed the money that bad I could use the same insta cash services on XX/XX/XXXX when it clears. After me asking more questions she hung up the phone on me. When I called the customer service number back and went through the prompts, the number hung up the phone before I could even be connected with a customer service representative.
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in XXXX days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-12-01
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. (NY)

I have called transunion numerous times. They lie and say they never received my ft. Buy when I spoke to a XXXX they told me they do see it. Then they tried to say it wasn't valid. Idk who made them the authority in determining if it was valid. I made a XXXX online which is valid and I have did the XXXX XXXX. I demand these inquiries removed immediately.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.
Consumer complaint received 2018-02-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Chrysalis Holdings LLC (VA)

We initially began the process of obtaining a refinance for our home around XX/XX/XXXX with XXXX XXXX XXXX loan company for Veterans. After being approved we decided that instead of refinancing we were going to purchase another home. This process began on or around XX/XX/XXXX. 
We found our new home, put in a bid, which was accepted, and subsequently put our home up for sale in XXXX XXXX. Each day our loan officer ( XXXX XXXX ) contacted us ( on his recorded line ) while we were working, for data and information, which was given with no issues. When they ( Underwriters ) found out that we own a business our personal information was no longer sufficient and they began requesting tax returns for the last two years ( XXXX & XXXX ), and W2s for XXXX. This information was requested s to see if our business had taken a loss even though our W2s showed an increase in our salary. They then indicated they could not accept the W2s for XXXX stating that as business owners we could have forged our W2s and  therefore requested our XXXX tax returns and profit loss statements on XXXX XXXX. We informed them that our taxes are not due until XXXX XXXX as we legally file for an extension every year which is on record, and would not be able to provide them. All W2s for XXXX were submitted to the IRS and we asked them to request the info needed from the IRS as verification. They indicated they don't due this and for that reason they will not service our loan. We began this process in XX/XX/XXXX and on XXXX XXXX, 12 days before our closing we were notified that they would not service our loan. Throughout this process we were continually told that there were no issues, while our loan officer went back and forth several times a day asking for more documents, info, credit ... etc. They cost us to lose our initial interest rate of 3.875 % because they did not lock in our rate. The rates are rising everyday and we now are subject to higher rates. At this time we are scrambling to find a new mortgage company to service our loan while having to be out of our home on XX/XX/XXXX. We will also be contacting a lawyer to look into this matter. Totally Unprofessional and Unethical. Not a good representation of how Veterans are handled.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (AZ)

A Best Buy card was opened under my account an used to purchase electronics at Best Buy on the same day. I think it has to do with the fact that I have a Best Buy account as the purchases were under my Best Buy account.
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I have started using my business PayPal account for the ecommerce site https : XXXX recently. On XX/XX/XXXX order # XXXX came through and it used PayPal express checkout. A minute later I received an email from PayPal saying " We need some information regarding your PayPal account. ". Apparently something triggered PayPal automation. On XX/XX/XXXX the order was shipped out. The order was a purchase for a coffee grinder. On the same day I sent my driver license and the company business information via PayPal per their request. On XX/XX/XXXX I received email from PayPal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) ''. On the same day I called PayPal customer service and tried to file appeal and get an explanation. I was told the decision was final and there was no way to dispute it. I wasn't even given a reason other than saying " they found potential risk associated with the account ''. My account balance {$450.00} is now frozen for 180 days.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (AL)

CIT Bank originally had XXXX online savings account called XXXX XXXX that advertised XXXX of the highest rates in the country. When interest rates increased late 2022, XXXX created a new savings account called XXXX XXXX that paid the new, higher rate of over 4 % while the original XXXX XXXX remained at the old, lower rate of 1 %. No effort was made by XXXX to inform current XXXX XXXX customers that they no longer receive XXXX of the highest rates in the country. I was XXXX of those customers. This week CIT Bank has once again created a new savings account called XXXX XXXX that has a higher rate than XXXX XXXX. Yet once again no effort was made to inform current customers of the potential higher rate they can earn. CIT Bank has purposefully deceived customers by creating new, higher rate products yet not informing current customers. Meanwhile they continue to falsely advertise their savings rate ( they do not specify any specific account ) is XXXX of the highest in the country. XXXX claims it is the customers responsibility to check their website daily for any new savings accounts. Unfortunately many remain in XXXX XXXX XXXX earning 1.00 % instead of 5.05 % advertised this day for the XXXX XXXX account. I consider this false and deceptive advertising that cheats customers by leading them to believe the savings account they are in will receive the highest rate advertised by CIT Bank. 

CIT Bank XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion, XXXX and XXXX deliberate furnished erroneous and inaccurate information on my credit report on my credit report. After many complaints against this same issue, these 3 mayor credit reporting agency continue with the inaccurate reported account on my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc. (PA)

Avant/WEBBANK credit card company denied my credit card application due to identification. The reason for this is my face is considered " unrecognizable '' because my entire face is tattooed, HOWEVER MY FACE DOES MATCH MY GOV. ISSUED DRIVERS LICENSE. This is not fair because I can prove my identification. I submitted XXXX of the XXXX requested identification steps to be verified.