davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (MD)

XXXX XXXX XXXX XXXX has illegally reported a total count of XXXX late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2021-05-02
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. (CT)

Please re-open Case # XXXX. It is not closed. XXXX is unethical and possibly violating privacy laws on state ( CT ) and federal levels. Please share my complaint publicly if TU does not provide solid results, explanations and apologies for their role as a seller of my private info and/or enabler of private info theft. 

Every USA consumer has the right to know about how callously and nonchalantly XXXX treats their personal and private information. They have the right to seek out discrepancies in XXXX reports that might be causing them harm in their credit score and hence equality of access to credit. 

Thank you CFPB!
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

PayPal has held funds illegally under the electronic funds transfer Act. PayPal has not fully disclosed terms and conditions. PayPal account where electronic funds are held illegally is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one has been reporting 2 accounts incorrectly since the pandemic occurred I have done everything I could on my part and its still showing incorrectly. Continues to damage my report. 
I have disputed since last XXXX almost every 3 months with the bureaus and still nothing Capital One is horrible and so are the reporting agencies for not investing properly.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Personal Info Needs to be updates CRA refuses to do it through their system Correct Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
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: CITIBANK, N.A. (MA)

On XX/XX/2020 XXXX charged a reinstating service fee on a cancelled service. I was instructed to dispute the charge with my credit card Citi as the account has been closed. Citi started an investigation and provided a credit which was reversed on XX/XX/XXXX, XXXX indicating the information wasn't enough to support your claim and to contact the merchant. The account has been closed and Citi Card is supposed to protect it's customers against unauthorized transactions. No direct contact or additional details provided. by Citi for why they came to their decision.
Consumer complaint received 2020-12-05
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. (NY)

My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2021-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

On XX/XX/2020 an Annual Escrow Account Disclosure Statement was issued for the subject mortgage loan detailing a shortage of {$340.00}. The notice detailed that my new payment would be {$1000.00} if the shortage isn't paid, or if I paid this shortage, then my new payment would be {$990.00} per month. I promptly made this payment which is shown on my account to have been applied on XX/XX/2020. 

My Monthly Statement for XXXX reflected the {$1000.00} as if I didnt pay this shortfall, which because of the short time since I made the shortfall payment, I can understand this, but submitted a written request to review ( Ticket # XXXX, XXXX XX/XX/2020 XXXX to ensure the payment was adjusted before the payment date. I only received a reply that it was forwarded to the processing team. On XX/XX/XXXX, the amount of {$1000.00} was auto deducted from my account rather than the {$990.00}. I provided a written follow after I received my XXXX Monthly Statement still reflecting the higher {$1000.00} ( Ticket # XXXX, XXXX XX/XX/2020 ). Besides a reply that this has been forwarded to the processing team, I still have not had any assistance to correct the billing error. On XXXX XX/XX/2020, I submitted a formal letter of Error Resolution Notice under 12 C.F.R. 1024.35 through the companies website ( Ticket # XXXX ) and again received an automated reply that it was forwarded to the processing team. My XXXX statement is still reflecting the higher amount and I am being auto-debited for this. 

I have attempted to call several times, and after spending a large amount of time going through the phone tree, the call gets disconnected rather than getting a live person. 

As of the filing of this complaint, I have not received any response from this company.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UMPQUA HOLDINGS CORPORATION (CA)

An Umpqua checking account was opened in my name and the suspect spent over XXXX and now Im being ashes to pay for it. They used my name, social and address. Attached is one of the first notices for an over drawn account.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I have been having a problem with a dispute I made with Paypal Credit ( Synchrony Bank ). I submitted a dispute for a charge that was defective on XXXX for a merchant, XXXX. I advised that my purchase was defective and I had contacted the merchant on a couple of occasions for a refund or replacement, as there is a warranty on the purchase. I have not received any response. PayPal service associate, XXXX, advised me I would get something in the mail in 7-10 days regarding my dispute to sign and return. I never received anything. I had called them back and was advised that I would get some kind of contact regarding the dispute. I called a couple of times to follow-up because there was radio silence on their part. The next contact I received was a letter on XXXX stating I had to contact the merchant! 

The merchant is overseas, which I advised them. Furthermore, I had sent the merchant e-mails on XXXX and XXXX regarding my request for credit or replacement to no avail. Thats when I reached out to PayPal Credit for assistance. They seem to be very useless and didnt ask for anything from. When I received their letter, they advised me that I needed to contact the merchant. Well. did you not listen to anything I said on the calls I made? I talked to XXXX, a manager on XXXX regarding the letter. He advised me that I can submit it again, but he initially told me that the decision on the letter I received was likely final. So am I to spin my wheels again and wait out the time just to get another letter stating, You have to contact the merchant. I thought my credit bank was an advocate for me? PayPal Credit i.e. Synchrony Bank is not living up to its values. Its doing the reverse. Here is what I believe their values mean BEING HONEST- Just dont waste your time, its denied BEING RESPONSIBLE- Let customers take care of their own problems, we are not here to reduce customer effort PASSION- We are here to fuel only our profits CARING- Show zero empathy and compassion to our customers DRIVEN- Drive away customers with our bootleg service BOLD-We strive to not be a differentiator among our industry peers.
Consumer complaint received 2021-05-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (TX)

Me and my wife had to file bankruptsy and upon discharge we made every payment and paid the required fee over {$3500.00} to reinstate the right to catch up and resume payments upon discharge of Chapter XXXX. But Guild Mortgage states we are 116 days behind, therefore breached the federal bankruptsy protection laws. We done everything we were instructed to do as consumers.
Consumer complaint received 2020-02-18
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. (FL)

BACK IN 2015 MY PURSE WAS STOLEN AT A CONVENIENCE STORE AND WAS NEVER RECOVERED SO UPON CHECKING MY CREDIT REPORT I NOTICED MORE THAN ONE ITEM THAT DOSE NOT BELONG TO ME AND NEVER HAS .THE REPORT I AM REFERRING TO IS MY EQUIFAX REPORT YES I HAVE TRIED REACHING OUT TO THEM WITH NO LUCK .IT SHOULD NOT BE A PROBLEM WITH REMOVING THESE ITEMS DO TO THE FACT THERE IS A FRAUD ALERT ON MY REPORT AND I WAS A VICTIM OF IDENTITY THEFT. THE ITEMS ARE AS FOLLOWS XXXX XXXX XXXX ACCT XXXX XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX. I WOULD LIKE THESE ITEMS REMOVED IMMEDIATELY.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I requested to make sure my credit was correct and accurate, through the Experian credit reporting. When I received the updated version of my credit, I found several errors, After it was certified to be accurate incorrect, In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

MY XXXX  XXXX XXXX XXXX ACCOUNT CREDIT LIMIT {$8000.00} IS SHOWING A USAGE 53 % THIS IS INCORRECT. THU DUE DATE IS XX/XX/XXXX, XXXX THE STATEMENT CLOSING DATE IS XX/XX/2021. MY ACCOUNT WAS PAID IN FULL AND ON TIME. THE BALANCE SHOULD SHOW {$0000.00} XXXX DOLLARS DUE.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

Debt Collection name : [ Jefferson Capital systems ] Debt Collection address : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ] Account number : XXXX Account number : XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least five days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within 30 days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. 
I also attached XXXX XXXX XXXX XXXX where company can collect debt from. 
Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-03-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

I received a deposit from the IRS in the amount of XXXX XXXX and XXXX XXXX and XXXX XXXX  On XXXXXXXX XXXX I received a deposit of XXXX XXXXXXXX XXXX and XXXX dollars. Then, I tried to Use the Money that was mine by re-opening up a checking account through them, which they then told Me that they could not do Since they had closed one before. fine, that's their decision. So, I decided to withdraw the money into an external bank. The original bank that was connected to the account had been closed. So, I decided to link another bank account. I was not able to do it through a glitch ( or so they say, through research most people can't. ) so I contacted customer service and they could not figure it out. I should be able to do this! this is my money we are talking about! 
I went and Tried to do it through the XXXX XXXX app The bank that I was trying to transfer into. I did it that way that was successful! Or so I thought. the money was then taken out then reversed back into the credit karma account. first I contacted XXXX XXXX customer support and everything has been good on their side every time I call. So then I contacted the customer service representative and told them that that wasn't working and they tried to give Me all these other ideas. 
That did not work. 
So finally one of the customer service representatives that I talked to probably the fifth or sixth one decided that they Would be would uh send it to a higher-up department, He then sent it out to them. He said that they would respond within twenty-four to forty-eight hours. 
They still have not gotten back to me it has been passed that timeframe. First, I tried to call the number and get ahold of this so-called team but I was unsuccessful. I tried to get the money out through a paper check today, and he said he can not do that because the reversals have not yet been finalized and that when he does send me the check it's gon na take seven to ten more business days to get that out, which is you know, I have bills to pay things that are past due. This money should have been available to me quicker than it is now! 
I tried to get all the reference numbers but they will only send me one at a time an they are all different. 
Thank you. 
Credit Karma XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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: Chime Financial Inc (CA)

XX/XX/XXXX i stayed at the XXXX XXXX location I had to a pay XXXX $ security deposit. I checked out XX/XX/XXXX the funds where released by the hotel. Starting around the XXXX of XXXX I called about my XXXX $ not being in my account I called the hotel they reassured me that it has been released I called Chime they said to talk to the hotel I told them I did that before calling them they said wait 10 business days. I called back the XXXX of XXXX, and was told the same thing. I had to argue with the rep cause I have already been told that, I went on to call chime back on 3 way with the XXXX XXXX. ( XXXX ) Chime employee and Hotel manger talked about issue the hotel manger offered to give the 6 digit release code which was missing the chime employee told us he could not accept that and he had to put in a dispute. I put the dispute in for my XXXX security deposit missing. The dispute was not filled out correctly XXXX dispute number closed ( XXXX ). And now I have to fill out another dispute My thing is how was the dispute filled out incorrectly when I was asked very specific questions and I gave correct and honest answers I was asked how much the charge Im disputing was XXXX The card I used credit And the date of the transaction XX/XX/23 How did yall give me back XXXX but not the XXXX I originally put my dispute in for. 




and wait another 30-45 days. No one will help me I keep getting passed around to department to department. Even the dispute department told me to call the hotel again and check and seee if they release the money, my dispute not only was it handled improperly it was not handled in a timely matter. No one knows the protocol and I have requested my documents for this dispute and was told I have to wait till its closed I waited and now. Im told now my request has to be sent to a different department and I have to wait 10days. This is to emotionally draining and I have been crying even on the phone with your reps I feel as if Im being bullied by a big corporation and Im never going to get my money back no one knows how to fix my issues and they dont care. I suffer from XXXX and XXXX and to be put in this mindset is not easy for me to shake I work really hard on my mental health and I feel as if chime the company not only is stealing money from their customers but also causing terror in they lives.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc (TN)

I have continuously tried to reset password in which I was successful in doing so multiple times, paypal is preventing me from accessing my account although I have successfully reset my password. This seems to be retaliatory for prior complaints, and aimed at preventing me from accessing my funds which are available on my card and those which are being held.
Consumer complaint received 2020-02-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have asked for verification on several accounts that do not belong to me and they continue to come back " verified '' with absolutely no proof! If no actual evidence or original contract can be presented to me then the items MUST be deleted. 

account name : XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX  Acct # : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX  Acct # : XXXX
Consumer complaint received 2021-01-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NY)

the processor who screwed up my file, XXXX was fired two days after his mistake. 

The underwriter admitted they messed up as well as lender. 

Should of advised me Bc I reached out to to 2 other lenders who were able to access the file in less that 2 hours and notify me that the loan could not be done Bc of the foreclosure.

I had a 21 financial contingency and because of their gross negligence the day before closing I was notified that i was not going to be able to close the next day. I lost my $ XXXX in earnest money and could be sued for more Bc of the sellers time wasted with property off market.
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing PayPal services.
Consumer complaint received 2020-11-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I would like to have a Fraud Alert removed for my legitimate account XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was contacted by the credit bureaus about my account that I never filed a dispute over. My account has been in good standing since
Consumer complaint received 2020-11-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I would like to have a Fraud Alert removed for my legitimate account XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was contacted by the credit bureaus about my account that I never filed a dispute over. My account has been in good standing since
Consumer complaint received 2023-03-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I was charged {$430.00} USD on XX/XX/ by XXXX XXXX company for a tow I did not request. I was a member of the residence and my property was towed at my residence. 
The charge was made on my USAA XXXX XXXX credit card and they rejected my dispute.
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (TX)

We received a loan in 2019 through a company to replace our XXXX and was told the loan was for 7 years. And the loan was for $ XXXX they are now telling me that the loan term is for 10 years and since 2019 we still owe {$6100.00} dollars in the loan they are ripping us off