davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX accounts XXXX # XXXX XXXX  # XXXX has violated my rights :15 U.S.C 1681 section 602 A states i have the right to privacy / 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION SERVICES LLC XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Re : Consumer direct dispute of inaccurate/incomplete item of information in consumer file To EQUIFAX INFORMATION SERVICES LLC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security # is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My DOB iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The item of information below that you report is inaccurate and I request that it be deleted : Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. Please delete these outdated addresses and update with the one above. 

My only Phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all Information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Given the nature of all the inaccurate item of information, it is clear this may be a mixed file scenario. 

Mail me a copy of the complete consumer file that you have on me after you act on this dispute. 

If verified, I request a description of the procedure used to determine the accuracy or completeness. 

I have enclosed a copy of my [ Drivers license and a utility bill as proof of my identify and mailing address. 

Be advised, the above and enclosed are sufficient information for you to legally act on my dispute. Any delay tactics or needless requests for information will not avoid your legal obligations to me.
Consumer complaint received 2021-01-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (MI)

This is to previous complaint # XXXX closed cuz I didn't reply in time. TCF bank never paid my 2019 winter taxes I had too, They keep sending payment to local city instead of county. So I Iet them know they owed me {$84.00} for tax payment. I received a call from a rep named XXXX that they were only going to reimburse the interest not full payment cuz it came out of error acct not my escrow. I said how was that since my escrow acct was short almost same amount as the tax owed they didn't pay and to show me where its still in the mortgage escrow. She told me she would get back with me. Its been 3 weeks and no phone calls no reimbursement nothing. Now I know this isn't a huge some of money thank goodness but I expect my money returned to me. This bank is handling my mortgage and money and have no problem taking it. I expect some respect of being called and issue taken care of. This has been going on for over six months. There is no real way I have found to contact upper management because unfortunately no other employee has resolved this is. I feel they should be fined and I should not only be reimbursed but restitution made to me for the anguish of dealing with poor banking dealings. Looking to talk to someone in company higher up
Consumer complaint received 2022-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IN)

I moved out of XXXX XXXX Apartments in XXXX, XXXX. I checked the rent payment portal for my balance. The balance shown was {$110.00}, paid on XX/XX/XXXX. The early lease termination penalty wasn't posted. 

On XX/XX/XXXX ( or just before ) I received a call from Hunter Warfield, a collection agency, and was told I owed money. I asked for a statement, argued and that was that. 
I called XXXX falls, they provided a statement and I paid the amount shown of {$640.00} on XX/XX/XXXX to XXXX. 

A month or so later I received another call from Hunter Warfield. I told them that I paid the money owed directly to XXXX XXXX. 

when I discovered the negative reporting on XXXX I contacted XXXX XXXX. They refused to correct the status of my debt to Hunter Warfield. 

I opened a dispute with XXXX that did not result in a correction.
Consumer complaint received 2022-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Covid-19 effected me and my XXXX XXXX XXXX mother. We were effected physically and financially. I contacted my mortgage company for a modification, and they offered me the Covid relief plan. They gave me the covid relief plan and gave me twelve months mortgage free. I accepted their offer of no payment for twelve months. I received a call a year later demanding over thirty thousand dollars in back payments. I explained to them they never disclosed that this was a deferment of payments and that a balloon payment would be due on all of the rerage payments. They refused to modify the loan and demanded full payment or foreclosure. They have not responded to my QWR or my debt validation. This is another form of predatory lending. This loan is in both my name and my XXXX XXXX XXXX XXXX mother 's. This is also elderly abuse. The assignments that they've created are robo-sign which is illegal.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NH)

On XX/XX/2020 I received an email saying I owed {$2100.00} on a Citi Costco Anywhere credit card ending in XXXX. I never applied for the card, never received the card and never made any charges on it. I found another email saying the card was approved in XX/XX/2020.
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

On XX/XX/2019 i paid XXXX XXXX {$100.00} with check # XXXX. The check was deposited by XXXX XXXX on XX/XX/2019. ( I have the bank document to prove this ). 
On XX/XX/2019 i get a collection notice from Receivables Management Systems stating i owe them : Creditor : XXXX XXXX  {$0.00}, Interest : {$2.00} and Collection Fee : {$40.00} for a total of {$42.00}. I do not understand how they can collect a collection fee with interest when I owe nothing to the Creditor XXXX XXXX because they were paid in full on XX/XX/2019.
Consumer complaint received 2019-09-17
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. (MS)

In retaliation againt me for filing a complaint with the CFPB, XXXX XXXX XXXX has refused to report my account status to the credit bureaus for more than 60 days. My account is current, it always has been current. Supporting documents are attached.
Consumer complaint received 2021-01-01
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. (TX)

On XXXXXXXX XXXX2020,. {$520.00}, I proceeded to call XXXX  to obtain info related to company " XXXX  XXXX. '' XXXX  referred me to XXXX  given phone number. I contact XXXX and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to XXXX. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the XXXX  and XXXX  both wanted the identity theft report but failed to supply since Covid 19 a email address. XXXX  offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I have been banking with chime for over a year and this was my first time having to file a dispute. I filed a dispute for a total of five transactions : 4 were from a subscription company called XXXX XXXX that I have NEVER signed up for or authorized and another was from a bar I did not visit. I informed chime the charges were not made by me and that I had lost my card. They subsequently filed the dispute and issued me a new debit card. 7 days later I receive a notice that my dispute was denied because no error occurred. I would like to know how chime came to this conclusion and what jurisdiction they have to tell customers unauthorized charges are legitimate. They do not protect their customers or their funds. I also suspect they do not investigate claims at all and simply deny requests and pocket funds. I would like this claim reopened and my money returned to me for these disputed charges or I will be pursuing further legal action again chime as well as closing my accounts.
Consumer complaint received 2022-04-15
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)

Account # : XXXX XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-10-10
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. (NY)

Citi cards sent me a letter stating they wont reissue me a credit card. The reason on the letter stated Due to bankruptcy or charged off accounts we wont be able to reissue you a new card. and closed my credit card and making my credit score drop about 100 points. Ive never had any bankruptcy accounts or have any charged off accounts. I tried calling citicards several times to explain the issue but I get no help all they due is say we will investigate call back 10-14 days when I do call back citicard has no explanation! Due to them bringing my score down I cant even apply for another credit card or lines of credit. Ive taken care of my credit for over 20 years Ive never had a late payment. Ive never went over my credit limit. Why should I be punished for citicards mistake Before this issue happened my credit score was at XXXX. I called today again citi wanted to pull my credit to see if they can give me a new card. If they pull my credit my score will go down more and will probably get denied. I dont think what there are doing is fare. They really need to investigate this matter.
Consumer complaint received 2021-01-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Entrata Inc. (UT)

I was told by XXXX XXXX XXXX oh that I had a freeze on my credit but too that they pulled my credit somehow to deny me credit but sent me a link for a one time unfreeze of credit through XXXX but it did not verify my information as I have used 3 oh different zip codes in the last calendar year but not sure which one they were asking for to verify my identity. So uh it denied unfreezing my credit. Tried to login to my XXXX  account but it was deleted again second time so called their phone but no one live to talk to so uh sent a message uh to XXXX account of theirs for XXXX they responded oh with asking my vital info but oh hey I have a Cyber Stalker so uh it os compromised but they have not responded and uh my credit still locked with them THE APARTMENTS XXXX XXXX XXXXXXXX REFUSED TO USE XXXX where I had unfrozen my credit and too probably at XXXX as well in XXXX but not at XXXX then but did last week or this week unfroze it at XXXX but oh still frozen at XXXX and no assistance in unfreezing it so I can apply for an apartment living in a hotel is uh unsafe but too uh costly. Oh living here because of divorce and no uh job for many years after kids born uh just raised them as full time mother as per my husband my wishes. Do only locked at XXXX but not okay huh with XXXX XXXX XXXXXXXX using a different uh credit reporting agency he cited Fair Housing saying it would be against that law to use XXXX.
Consumer complaint received 2022-10-10
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 (MA)

In XX/XX/2022, Paypal incorrectly identified me as a seller and tried to collect my social security number. After speaking to customer service over and over again, I clarified that I am not a seller, it did not lead to any resolution. When I refused to hand them this information, they decided to limit my account but did not let me delete my account because they linked my account to " XXXX '' ( recently acquired by paypal ). 

As a consumer, I had no way to delete an account with my banking information and credit card linked to my Paypal account because Paypal decided to use information across accounts without my consent. Since then, they have permanently limited my account and refuse to delete my account and " promising me that my data is safe ''. 

Paypal 's monopoly through its own fintech offering as well Venmo and XXXX should not go unanswered. As a result of my poor experience, I would like to completely stop doing business with Paypal but I can't do so if they also control my other payment alternative - Venmo. 

They not only have a monopoly on payments, they also have a monopoly on consumer 's financial data. After reading Paypal 's reviews on the XXXX website, I'm convinced that their unscrupulous actions have impacted many other consumers.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (OK)

After months of waiting for id verification to get my Colorado unemployment, i go to use my U.S.BankReliacard on XXXX, 2020 that had been loaded with XXXX $ but it said transaction denied. i called the XXXX number on the back of the card to be told my address doesnt match what they have on file but not only does it not match but it hasnt been changed ... Well if it hasnt been changed then it should be the address i provided when asked.. They therefore proceeded to tell me they can not give me any information about the account cause i cant verify my address, and to to to this website www.verify.usbank.com/ID and upload my ID and a selfie and within 1-2 business days someone from there '' offline team '' wil call me to reactivate my card.. Well its been 10 and they still have no update anytime i call. They say theres no way to contact the " offline team '' and their supervisors are just as not helpful as them. They hang up XXXX Ive faxed my documents and uploaded them multiple times.. I have no electric due to them freezing my card. I know have XXXX $ that i cant access and bout XXXX $ worth of bills unpaid. Im bought to lose my house. They are holding on to peoples money for what reason. I need my card reactivated now
Consumer complaint received 2021-01-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (OH)

Attempted to refinance my home loan through Ally. The original offer they will obide by. I was offered XXXX with a credit of XXXX points. I asked about rolling my closing costs into loan. They did not inform me that it would make me pay XXXX dollars more in points. Every few days they keep adding more fees and when I ask a question they do not answer me. I have asked them told them multiple times I am unsure u want to continue with loan and they keep moving it forward.
Consumer complaint received 2022-04-15
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. (NY)

I am a victim of identity theft. I have requested that these fraudulent items be removed from my credit reports. The credit bureaus have not provided proof that these are my items. I have not seen a contract or a signature for any of these accounts.