davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
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. (FL)

I sent correspondence to TransUnion via USPS Mail, they have failed to conduct a physical verification. I requested verifiable proof of accounts and inquires listed in my correspondence to TransUnion. The disputed information wasn't confirmed or verified, in a timely manner. This reporting agency still hasn't reached out to me. They must comply per their policies and remove reported accounts and inquires that they haven't verified in a reasonable time frame.
Consumer complaint received 2019-09-27
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: EQUIFAX, INC. (FL)

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THESE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE AND NAME. I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I RECENTLY PULLED MY CREDIT. PLEASE CONSULT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY REMOVED.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc. (MA)

I activated an offer for 35 % cashback on a XXXX XXXX purchase in the Google Pay App. I then made a purchase of {$29.00}. I am still waiting, a week later for the company to credit my account and the {$10.00} to show as pending. I have contacted Google 's useless terrible customer service numerous times and only receive the runaround
Consumer complaint received 2021-05-25
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. (PA)

Good day. Its been a very tough time for me and my family. I am a victim of identity theft and have reached out to transunion with an FTC report to get these inquiries off before that are not mine off my report. All those inquiries on my report are not mine. I have submitted an FTC report attach with proof of my identity to get these inquiries remove immediately. These inquiries are stopping me from getting things together for me and my family. Please help me help my family.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

THIS SAME SITUATION HAS COME UP AGAIN AGAINST XXXX XXXX XXXX AND NOW SELECT PORTFOLIO OUT OF UTAH. MY FIRST COMPLAINT WAS RECEIVED BY Y0U ON XX/XX/XXXX, XXXXREFERENCE # XXXX COMPLAINT STATED THAT IN MY SETTLEMENT AGREEMENT I WAS GIVEN ONLY {$600.00} FOR MY TROUBLE BUT A PRINCIPAL REDUCTION ON MY LOAN. RECEIVED OFFER FROM XXXX XXXX XXXX XX/XX/XXXX. THIS WAS NOT A FORM MAILOUT AS IT INCLUDE MY LOAN NUMBER AND BORROWERS NAME PROBLEM ONE THEY ACCELERATED MY PRINCIPAL FROM XXXX TO XXXX.YOU HAVE THIS COMPLAINT IN MY FILE WITH SUPPORTING DOCUMENTS. XX/XX/XXXX OUR ATTORNEY ISSUED A LETTER TO BOA WITH CORRECTIONS ON THE OFFER AND WE WERE TO PAY OFF THE LOAN BASED ON TRUE NUMBERS OF MY SETTLEMENT. THEY HAD 30 DAY TO RESPOND INSTEAD SOLD SERVICING RIGHTS TO SELECT PORTFOLIO. SELECT REFUSES TO HONOR THAT SETTLEMENT. AT THE TIME ATTORNEY. NOW WITH MONEY TIME STRESS WHERE WE ONCE HAD THE CASH NOW I HAVE A BUYERS AND I WANT WHAT WAS PROMISED ME THRU MY EFFORTS TO HELP YOU BRING DOWN THE FRAUD SCHEME WITH THE BANK. SELECT HAS STALLED ME WONT COME TO THE TABLE TALKS ONLY OF LOAN MODIFICATIONS WHICH IN THAT TRAP THEY DENY IN THE END AND THEN YOUR CASE FOR PROBLEMS FROM THE FIRST LOAN U CAN NOT USE. I ACTED IN GOOD FAITH TO MIDIGATE THEY DID NOT. I WANT TO KNOW THAT WHEN THE XXXX HANDS DOWN A SETTLEMENT THAT IT HAS TO BE ABIDED BY IN FAVOR OF BORROWER. I NEED YOUR HELP IN THIS MATTER. SINCE XXXX I HAVE TRIED TO MIDIGATE THEY ARE NOT INTERESTED MY NEW CASE # XXXX
Consumer complaint received 2018-02-09
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: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX has run Hard Credit Inquiries on my Account. 

I have not authorized Chase Bank to Run Any Soft or Hard Credit Inquiries. 

When I called Chase Bank to inquire into why they were running Hard Credit Inquiries, I was told that there was No Department that Handles this type of issue and that I had to address the issue through the Credit Bureaus.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MD)

My monthly Morgage payment increased by approximately $500 due to escrow shortage that XXXX XXXX XXXX require that I pay over 12 month period (in addition to my mortgage).  I believe the issue is the result of Homepoint erroneously sending me a refund end of XX/XX/XXXX that should have been applied to escrow in XX/XX/XXXX which caused the shortage.  After speaking to various representatives and at least 3 supervisorsecond the repayment was adjusted over 24 months. The lower amount is better however it still causes an unnecessary  strain on my finances. I inquired about the refund several tines before cashing and spending the money returned to me.
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2022-04-29
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: CITIBANK, N.A. (SC)

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

PayPal currently has been holding our funds for way too long. All our orders are getting delivered quickly and without any issues, yet PayPal still continuously places holds on our account which severely affects the business 's money flow. 

As of today XX/XX/2021, PayPal is currently holding about {$9000.00}. This issue has been prevalent since XX/XX/2021 which marks almost an entire month of PayPal holds. 

According to the laws in the state of California where we operate from, as a Money Transfer company, PayPal shouldn't be holding the funds for longer than 10 days, especially since all our packages come with tracking numbers that are directly updated to Paypal automatically, and we have a great history of shipping packages quickly and delivering them with no issue. We rarely get any complaints, and if we do we try to make quick resolutions.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX I contacted Navient about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX Navient reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted Navient and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

This is the second time I try to resolve this with USAA, but it has not worked. USAA failed to cover my mortgage and other payments with my secondary account/overdraft protection which has plenty enough funds. The first time I tried to resolve was about 1 month ago when my mortgage servicer, car insurance, and internet provided messaged me that my payments were returned. I then patiently stayed on the line for clo se to 1hr to talk to a representative who explained to me that USAA had made some systemic changes/upgrades and that affected overdraft protection for some members, including myself. She refunded some of the fees- not all of them - and placed back the overdraft protection. Fast forward one month a nd the same issue occurs. This time is my mortgage and a couple of other payments and the wait time to talk to someone is over 1hr. Last time I had to go through the embarrassment to apologize to my creditors and had to absorb their late fees. This time I expect USAA to refund all fees - banking and creditors- and an apology letter at minimum. But most importantly, I expect a world-class organization like USAA to get it right. If and when systemic enhancements/changes are made, perform adequate pre-implementation testing to ensure preventative controls are in place to minimize/eliminate consumer impact.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (WA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on WELLS FARGO CARD SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (TX)

On XX/XX/2021 I purchased a used vehicle from XXXX XXXX In XXXX, tx. As agreed I paid {$3000.00} down in cash not credit. On my contract paperwork in the total sales price column it states that the {$3000.00} I put down in cash, was somehow turned into credit. Im not sure why my paperwork shows this but to my knowledge that is considered a fraudulent contract, because I paid cash not credit for my down payment.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a notice in the mail that Bank of America was closing my credit card They said from lack of use, which is fine, but I received NO notification? So they cancel a card in good standing without telling me. When I received the letter about my card being canceled, they said the matter was closed and they were unable to change it. They said I could re-apply, but Bank of America would have to make a credit check, which hurts my credit. Bank of America closing of my account also hurts my credit.
Consumer complaint received 2022-01-12
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. (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 Equifax 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 Equifax 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ) XXXX
Consumer complaint received 2022-01-10
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)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I made a transfer request on XX/XX/2021. It was made to an attorneys XXXX account. The transfer was made as an ACH instead of a wire transfer and the XXXX account blocks it automatically because it doesnt receive ACH transfers. The recipient bank Rejected the funds and the funds were returned XX/XX/2021. Since XX/XX/XXXX until today XX/XX/XXXX, I havent not received my funds yet. Bank of America claims the funds were not returned but the recipient bank sent me confirmation of the communication between both banks in regards to my funds being returned. I havent been able to solve this with anyone at Bank of America. I was placed on hold multiple times multiple days with over hour waiting times. I have been a customer of Bank of America for 15 years and I am perplexed by the level of disregard for my experience as a loyal customer.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

I hired a debt consolidation company to help with payment plans after changing jobs, due to the company closing down that I was employed by in XXXX and having to relocate. The company I am filing the complaint on, agreed to the payment plan. They charged the loan amount off, but left a balance on the loan. It was supposed to be charged off and a XXXX balance. The other debtors charged the loans off correctly, which aloud me to repair my credit. I was using XXXX XXXX XXXX to help fix the errors on my credit report, but had no luck with this company. When I called the company myself, they would not supply me with any information with why it was reporting incorrectly. I was told by the company to contact the debt collection company, which did not provide me with the information I needed. This was the beginning of XX/XX/XXXX. I need the loan to have a XXXX balance. I do not know how they came to the number that is on my XXXX  credit report. It is not on my XXXX
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

They would not allow me to place a freeze on my account. I tried online and by phone. They said I had to send multiple documents. I have a XXXX and can not do this. They were unwilling to allow other ways for me to place a freeze.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

Product : American express Premier Rewards Gold card Date Opened : XX/XX/XXXX Promotional offer : XXXX Membership Rewards points after {$2000.00} in spending within the first 3 months. 
Date Spending completed : XX/XX/XXXX. 
Online chat with American Express Chat Rep " XXXX '' and " XXXX '' XX/XX/XXXX after points not credited. Confirmed offer was applied to this application and account. Was told investigation would be opened with maximum of 8 weeks for resolution. {$10.00} credit for inconvenience was offered and accepted, however was not credited. 
After 8 weeks, points still not credited. 
Online chat with " XXXX '' and " XXXX '' XX/XX/XXXX. Per this conversation investigation is still ongoing with no date of resolution. {$10.00} credit still not applied. Uses phrases such as " no comment '' and " can not provide further information. ''
Consumer complaint received 2021-11-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Omni Financial Corp. (NC)

SETF/WOFC Acct # XXXX Please read carefully, I did not recieve the following : Pre Letter or Post Letter The Repo was not peaceful at all and I was very distraught! 
Is this account open or closed? On my consumers report it says closed but a mortgage company said it was open. I need more validation and recepits for this account and a copy of the 1099c. 

I also called the Gap insurance they said they paid your company and I need that information for my records. I have no records of the following ; there was no notice of the repo beforehand and this was during covid so please provide the following information or delete this from my account. I have no information on the company that came to my house and disturbed the peace of my home and neighborhood. The law states that it should be a peaceful process. I was supposed to get a Pre Letter and Post Letter. 

This vehicle was repossessed by your company in the State of NC on or about, XX/XX/2020. 

Under the laws of the State of ( NC ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
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 belongs to someone else
Company: CITIBANK, N.A. (NY)

There are a couple of accounts that does not belong to me and i want to remove them. See bellow the list : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

2. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX DSNB Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-07
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. (LA)

I have been patiently waiting for a response from the bureaus and have not been notified. 
I am asking them to simply to Validate the accounts that are reporting on my credit report. They have sent a copy of my credit report but it does not address the items that I am asking to be investigated/ updated and removed. Please investigate the accounts I have included on my letters that needs to be validated.