davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Zip Co US Inc. (TX)

To Consumer Financial Protection Bureau, I am writing to file a formal complaint against Zip  ( XXXX ) regarding ongoing account hold issues and unethical practices that I have encountered on their platform. Despite my attempts to resolve these issues directly with Zip, I have not received a satisfactory resolution, which has led me to escalate the matter to your esteemed organization. 

On XX/XX/21, I reached out to Zip 's support team regarding an account hold triggered by signing out of my previously logged-in devices and re-signing in ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) on the same day. I requested immediate removal of the hold, as it was preventing me from creating new virtual cards or making purchases using Zip. Although the hold was temporarily lifted after the 48-hour period, I encountered the same error message when trying to create another virtual card for a different purchase. This recurring issue has happened more than 15 times since I joined Zip earlier this year.

Zip 's support team has assured me on multiple occasions that this issue would not persist in the future once the temporary hold is automatically removed. However, the problem continues to recur without any just cause. 

Additionally, I would like to bring to your attention the unethical practices exhibited by Zip 's support team. They have repeatedly provided false promises, assuring me that I need not worry about the issue recurring in the future. This lack of accountability and failure to deliver a lasting resolution not only causes inconvenience but also undermines the trust I have placed in the reliability of Zip 's services. 

In light of these ongoing account hold issues and unethical practices, I kindly request your intervention in this matter. I seek the following actions to be taken by Zip ( XXXX ) : 1. Immediate removal of the account hold that is unjustly preventing me from creating virtual cards and making purchases. 
2. Implementation of effective measures to prevent the recurrence of such account holds in the future, ensuring a seamless and uninterrupted user experience.

3. Increased spending power limit to compensate for the inconvenience caused by these ongoing issues and to provide a more satisfactory user experience. 

If Zip ( XXXX ) fails to address these concerns in a prompt and effective manner, I kindly request your assistance in investigating this matter further and taking appropriate action to rectify the situation. I believe that the intervention of the Consumer Financial Protection Bureau is necessary to ensure fair and ethical practices within the industry and to protect consumers from such recurring issues. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and fostering a fair marketplace. I look forward to your feedback and a resolution to this complaint. 

Regards,
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2017-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MA)

I made a money transfer on line with Western Union on my checking account. After I pressed submit to transfer the money and message popped up saying it would take 5 business days to receive. When I realized this mistake I called them right away and was told I would be receiving my credit right away. If I wanted to send the money to the receiver for the same day then a debt card or a credit card and that I could do it on line. I was not credited but the truth took it out twice. I have been on the phone for2 hours and was told it would take 5 business days to receive one credit and the other would be by tomorrow. The supervisor said she could n't override this problem because of the back office. I asked to speak to them and she said they do n't take calls. I was helping a family member we was having a XXXX XXXX XXXX. They also said on the phone that I would receive my first transacion of {$200.00} today. I have checked my account and no monies were received. Please help me retrieve my money back. The transaction numbers are XXXX and XXXX. My gold card number is XXXX. Thank you
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I attempted to close a checking account with Citibank around XXXX 2014, withdrawing all funds. I have recently learned that following my attempt to close the account, Citi did not close it and continued to charge me fees on the account without my knowledge. This accumulated balance of {$190.00} was eventually transferred to a collections agency, charged-off by Citi, and reported to credit agencies, adversely affecting my otherwise strong credit score, all without my knowledge. Once I learned of it, I attempted to explain and resolve the situation with Citi but got no where, as Citi said they no longer had information on the source of the charge, and it has proven impossible to get to the bottom of this. I recently paid the amount to the collections agency in a belated attempt to fix my credit score, having given up on any hope of getting Citi to correct their error after hours of attempts.
Consumer complaint received 2023-04-17
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. (CT)

Equifax did investigate an issue. I did obtain cable from them I do owe them money. I have already request this account be investigate and removed. what license and information was given for this account. my daughter said she got the account and paid it
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (MN)

I made an additional CFPB complaint # XXXX on XX/XX/XXXXagainst Creditors Bureau Associates and Creditors Bureau Associates responded to my compliant onXX/XX/XXXX and  here is there response Company 's response Creditors Bureau Associates denies all of the allegations that you've raised in this complaint, however, due to third party disclosure prohibitions from the FDCPA and our obligation as a medical collection agency to follow HIPPA laws, we have decided to close your account and return it to the original creditor. Should you have further questions or concerns, please contact their office directly. 


Creditors Bureau Associate partial responded to my request from my previous CFPB compliant to close the account but did not address my other request to remove and delete the negative information from all three of my credit reports. Creditors Bureau Associates has failed to verify the information I requested and that is a complete violation of the FCRA section 609 and the FDPA. I need Creditors Bureau Associates to remove the negative credit item from all three of my credit reports immediately
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (LA)

Now I think I have heard it all from Citi. They are refusing to work on a dispute with a fraudulent merchant that did not provide product or services because I paid off the balance owed on my credit card. You are XXXX if you do and punished if you do n't. This is totally unreal the type of bull that a bank can do and get away with it. I am screwed out of thousands of dollars and now this.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX & XX/XX/XXXX XXXX XXXX BANK XXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( XXXX XXXX XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused severe XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

Opened on XX/XX/2023, a new checking account for my sole proprietorship small business. An offer for {$700.00} was said to be available if making a XXXX XXXXXXXX deposit within 30 days of openkng and maintaining that balance from day 30-90 after account opening. Having met this requirement by making the required deposit on XX/XX/2023, and holding it through XX/XX/2023, I have yet to receive the promotional bonus.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( g ) XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( XXXX ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused severe XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-17
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. (FL)

This inquiry is not authorized by me as it was done by that creditor without my permission. Please look thoroughly at the documents attached to understand where I'm going with this statement.
Consumer complaint received 2022-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (CA)

I need money urgently and applied online in XXXX, I was approved and they would deposit the money in my account but it would be available in 3 days approximately, I mention that it was urgent as I need to pay a vet bill for a XXXX, they said than then I can go directly to the store so they can issue a check. I was approved for {$8600.00} but then I was unable to deposit in my account by mobile device, I called bank Wells Fargo and they said that I can deposit the check in a ATM and {$400.00} would be available the same day and the rest the next day ... then the next day they put All my loan in hold, called the bank again and they said that it was an XXXX issue, I called XXXX and they said the check was ok and nothing was wrong. I called the bank again and they said that the bank doesn't have the enough money to put the money in my account and they need to verify the reserves? And that the money would be available until XX/XX/XXXX! I need that money urgently..I ask for a loan since they doesn't want to give me my money and they said they don't do that. So I told them that the bank is useless... plese help me... I don't know what to do
Consumer complaint received 2016-08-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GLA Collection Company, Inc. (IL)

I have attempted to communicate with this company to let them know that I am an ID Theft victim, and that these medical bills are fraudulent. I never applied for them, and they are both under my XXXX maiden name. I already complained about one Debt Collection Company. These people would n't listen!!!!
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has continued to take {$270.00} from my XXXX XXXX XXXX XXXX account for 3 months after closing the account. Every time they assure me it will not happen again. I have talked to several supervisor and personnel over the last 3 months without resolve. The are unable to even see the draft even after providing them with the item number. They have dropped the ball multiple times in the last 3 months and have made no attempt to rectify the issue. Their last attempt was to charge an additional {$270.00} to my credit card on top of the {$270.00} that they had already drafted from my account.
Consumer complaint received 2017-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC (CA)

This company offic es of FMR, calling me  from different  XXXX  numbers, talked to representative and it 's not even a debt I owe. Calling other family and friends numbers and leaving messages about trying to contact me. I do n't owe any company and I have blocked several numbers and it has yet to stop. I do n't need to be harassed.
Consumer complaint received 2022-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (AL)

On XX/XX/2022 I applied for a loan and on XX/XX/2022 they said my loan was ready it had been matched with a offer. On XXXX XXXX they emailed me to add income verification which I sent in. However on XXXX XXXX they denied my application due to credit denial or termination.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

We have tried to re apply, and even with a co-signer ; we even went through the XXXX XXXX XXXX XXXX, thinking it would be safer. We are being harrassed and stalked where we live by the landlord and surrounding law enforcement officers, they keep harrassing my daughter, in the past year my daughter has been arrested for XXXX profiling and protesting peacefully. We are having many issues here in XXXX XXXX, due to the faternities that are here in this area, there are many associations and groups. Seems to be the individuals that we are struggling with have the cappability to ruin someone's life whether they deserve it or not. 
I believe that my son in law XXXX XXXX and I bought a house under the same loan # XXXX ; XXXX # XXXX assessed in 2020 after our interest into the property. I am a XXXX veteran, from XXXX XXXX era. We have been trying to move into our own house, with no stress, except we apparently have had our identity stolen along with our family LLP. Professionals during covid feel they dont have to conduct business correctly, and victimize veterans whom have very little. please help us get our propertry, or identity from being stolen. please, we have been victims of the current circumstances. 
Thank You, XXXX. XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am unable to freeze/unfreeze my credit report with Equifax. Their website does not allow me to do so, indicating the following : We are temporarily unable to retrieve the status of your security freeze. Please try again later. They are also not allowing me to do so via phone. This issue has now been ongoing for 6+ months. I did some research online and found out that Equifax does this to many people, likely to force you into buying one of their products. I have a legal right to be able to properly access my credit report and to freeze/unfreeze my credit and Equifax is preventing me from doing so, this is harming me and my credit profile. I also feel unsafe because I am unable to protect my credit properly due to Equifax. I am requesting help from the CFPB against this company, they are putting me at significant risk. I am a veteran and should not be mistreated in this manner.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Home Loan Center, Inc. (GA)

Lending Tree continues to use my information to provide for mortgage lending that I did not request. Last year, I filed complaints against Lending Tree for this and they continue to provide my name and information to other lenders. I then get a barrage of calls from different companies.
Consumer complaint received 2019-02-28
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. (MS)

Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.
Consumer complaint received 2019-02-28
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. (MS)

Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.
Consumer complaint received 2023-06-27
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: DISCOVER BANK (NY)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, DISCOVER BANK, XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXXXXXX XXXX/ XXXX, DISCOVER BANK / XXXX, XXXX XXXX XXXXXXXX.
Consumer complaint received 2021-06-07
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 ()

PAYPAL banned me from using their services and hold my money I earned through online services from XXXX XXXX XX/XX/2021. The Paypal blocked me for the reason of violation in their user agreement and acceptable use policy. Upon re-reading the policies I am confident that I did not violate any of the rules. I am relatively new to Paypal and they must have been confused with my activities in to dealing with restricted activities.