davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC (GA)

I was notified by mail that my card was on hold with no reason but to call and verify that it was me who made a payment. After I call I was told that my payment of the balance which was XXXX and some cents needed to be verified if it was from my bank account ( which made no sense to me ). I was given a fax number to send my bank statement. I got my statement and faxed it to the fax number and gave them a call back to remove the hold on the card. And now they are saying it will take 10 to 15 business days to receive the fax. The funds already came out of my account and I provided the documents and I still have to wait to verify it was from my account the payment was made. I'm not understand this, as long as payment is made why does it matter which account made the payment and shouldn't there system track where the payment is coming from. I just used this card one time and made a payment to pay the balance. I paid the XXXX dollars fee and also the XXXX fee and was not questioned about the account it came from but when I paid the balance it a problem now. I believe this company is looking to defraud customers and have them pay late fees and interest by not processing the payment on a timely manner.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX  XXXX  XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (LA)

In XX/XX/2020 I financed a new vehicle with Fifth Third Bank. Fifth third bank has yet to send the title to the Louisiana XXXX so I can get my car registered in the state of Louisiana. I am not able to drive my car because the temporary license plate expired.I have contacted fifth third multiple times and they keep telling me that someone named XXXX is working on my case and he gave me a call however XXXX has never give me a call.I have also reported this company to the XXXX XXXX XXXX.I purchased a vehicle in the state of Arizona Arizona is a electronica title transfer state however fifth third cant seem to get the title through electronic transfer for some reason.
Consumer complaint received 2021-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

My previous complaint XXXX has not been resolved. 
I have also received further information from the previous mortgage lender that they have proof that phh mortgage company has received my first mortgage check from XXXX XXXX XXXX  and that they have withdrawn half of the money from that payment. 
The lender also informed me that this is definitely not the first time they have had problems with phh mortgage lying about not receiving money. 
Phh mortgage should not be able to operate with their predatory actions, and buggy online presence. Please investigate this company. Even if my issue gets resolved no one else should have to get stuck with this company.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I am writing to demand the immearate deletion or accuracies listea on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA.
Consumer complaint received 2022-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I WAS A VICTIM OF IDENTITY THEFT AND XXXX XXXX XXXX IS TRYING TO COLLECT ON A ACCOUNT THAT IS NOT MINE NOR CAN THEY PROVE IS MINE. THEY HAVE BEEN WARNED SEVERAL TIMES ABOUT THEIR DECEPTIVE PRACTICES IN TRYING TO COLLECT MONEY FROM ME XXXX XXXX. I DO NOT OWE XXXX XXXX  ANY MONEY NOR DO I OWE CAPITAL ONE ANY MONEY. CAPITAL ONE WAS NOTIFIED OF THE IDENTIY THEFT AND SENT AN FTC AFFIDAVIT FOR IDENTITY THEFT AND A POLICE REPORT. XXXX XXXX HAS APPARENTLY PURCHASED THE ALLEGED DEBT KNOWING FROMO CAPITAL ONE I WAS A VICTIM OF IDENTITY THEFT ALREADY.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (AZ)

I reviewed my credit history on the EXPERIAN website. Soon after I began receiving numerous, daily emails from this address : Experian XXXX. The content addresses credit card offers, insurance, etc. 

In addition, offers from various other companies like XXXX XXXX send unsolicited emails. 

I click the " unsubscribe '' button on each of the emails to no avail. They just keep coming. 

I have contacted customer service, been transferred to several people, none of whom handle fraudulent emails. They blame the " dark web '' and offer to freeze my account. 

I suspect the chain of offers stems from Experian 's sale of personal information. I have not been spammed in the past and can not make any other connection.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights per : 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 XX/XX/XXXX XXXX - {$190000.00} - opened XX/XX/XXXX, Last payment - XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX- {$32000.00} - opened XX/XX/XXXX, Last payment- XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXXXXXX XXXX - Dispute inconsistent dates with other bureaus. 

XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) - Dispute inconsistent dates with other bureaus.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (GA)

I took a personal loan out through One Main Financial. My car was used as collateral in the loan and One Main Financial bought out my loan I originally had with XXXX XXXX. In XXXX of 2022, I had a car accident and totaled my car that was connected to the loan. One Main Financial had trouble getting my title and would not provide a letter of guarantee for the loan to be paid by insurance. One Main Financial was aware of the total loss accident and still reported my payments for the car delinquent for the months of XXXX, XXXX, And XXXX. The payments were not delinquent as I waited on the pending insurance claim. I have discussed this issue with One Main Financial with no results. I disputed the problem through the credit bureaus but still no resolution. One Main Financial collections kept contacting me after I have noted that the there was a pending insurance claim. 
The account was finally settled with One Main Financial with a payment of {$8400.00} in XXXX 2022. One Main Financial updated the balance on my credit report, however the balance is incorrect. One Main Financial also has not updated the account to be settled on my credit report. I am unable to get a vehicle with these negative remarks on my credit. I need this to be fixed.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-11-18
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. (GA)

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 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 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This complaint is regarding XXXXXXXX XXXX system outage that has been going on for the last month. I, along with millions of other users, have been trying to make our payments. They claim to have an easy pay system online now, that does not work, and their call centers are also entirely shut down, making pay over phone impossible. No account information is available either, thus unable to see due dates, amount due, interest, etc. One of my accounts with them has already been reported as late- which must be immediately removed, as it is inaccurate reporting as it was by no fault of my own but the companys that I, as so many others, are unable to submit payment. I want action taken and this issue to be resolved promptly. I do not believe my information is safe, nor do I believe they are making any attempt at accurate reporting.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX a client sent me XXXX  on my Venmo account. 
I immediately tried to transfer the money to XXXX of my bank accounts linked to my Venmo account. I accepted to pay their {XXXX} fees for an instant transfer. As the instant transfer request did not work, I called Venmo. They told me that this was a glitch in their system and to use a standard transfer, and I did it. 
To my astonishment, I received an email from Venmo telling me that my account had been frozen. This is what they say : " Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement '' I immediately called them multiple times to ask why, and they refused to give me a reason. I used their system to send a request on XX/XX/XXXX, they did not answer. I called again on XX/XX/XXXX and XX/XX/XXXX and could not get any answer. 
As I can not get my money, I can not ship the product my client ordered, and he wants me to cancel the transaction and refund him. Because of the unlawful attitude of Venmo, I will lose {XXXX}. This is not acceptable, and they should be liable. 
I have the feeling they illegally do this to thousands of clients, keeping their money for making profit. 
I am attaching a statement from Venmo showing that I should have received {XXXX} by XX/XX/XXXX, which did not happen. They tell me if did not happen because my account is frozen.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (WI)

The Santander Customer account reporting to the credit bureau has inaccurate information. My credit is being effected by the inaccurate information that is being reported by the agency. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on my credit. I demand to see verifiable proof In writing of this account. Under the FCRA unverifiable accounts must be removed. I am demanding that the account be verified or removed from my credit report. I have disputed this account previously and the agency has yet to provide documentation or remove the account from my credit bureau report. Under federal law you have 30 days to complete the re-investigation. I am asking that you provide documentation with 15 days of re-investigating. I am also requesting that all inquiries on my credit be removed from the agency.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

Ive submitted multiple letters about the 90 day late notice on my report thats incorrect from XXXX XXXX. Attached is a bank statement showing I made my auto payments every month and I never missed a single payment. I appreciate ally for approving me for a auto loan and even though I went through a bankruptcy that this vehicle was included in I never misseda single car payment even after that and paid this vehicle off in full.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (FL)

My Credit Score has dropped tremendously through ( EXPERIAN ) credit checker website. My Bills OR, AND my credit mix is excellent with all my bills are paid within the 30 days allowed? I have seen my credit score drop XXXX points within the last few months, i would like full scale investigation into this matter expeditiously.
Consumer complaint received 2020-07-11
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 I purchase an airline ticket from XXXX XXXX with Chase credit card for the amount of {$1400.00} for my father. The flights got cancelled and on XX/XX/2020 I called the airline company for a refund so that I can purchase another ticket through another airline. They assured me that I would get a refund. They also requested me to submit a feedback survey for the refund which I did. I never heard back and/or received a refund so I disputed the charge with Chase on XX/XX/2020 letting them know this exact situation. One my last statement on my Chase credit card dated XX/XX/2020, Chase recharged my card. I called asking why this happened and they told me that this was a valid charge. I asked that these flights had been cancelled and that the merchant had promised a refund. They told me to fax in a letter and any supporting documents to re-dispute this charge. I still don't have this charge removed and/or re-disputed on my card.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After a through review and audit of my accounts due to some strange activity on my mobile devices. In my capital one 360 bank account I noticed multiple transactions that I didnt make to an individual named XXXX XXXX XXXX It has been reviled that this individual has stolen this money from my account. In the amount of XX/XX/2022 for {$410.00} one for {$480.00} another for {$200.00} and the last for {$270.00}. All these transactions I disputed with capital one claims department where they lied about issuing my credits. It was advised to me at the time of the original dispute that it would be 1-2 business days to see the credit then after 3 days they never gave me the credit. Then when I called they told me that it would be 10days before I see a credit. Then on the XXXX day they denied XXXX of the claims and kept 2 open then on the Monday after they closed the first two they finally denied the other claims. I went back and forth with capital one and they hid the police report that I submitted to them when I initiated this dispute. They claimed to NEVER HAVE THE POLICE REPORT. I then wrote a complaint to the president regarding this matter and an agent from the credit card side of capital one reached out to me not a representative from the bank side reached out to me. So now it is months that no one has done anything about this. I was discriminated in this whole process by the dispute team at capital one claims department they wrote FALSE NOTES IN MY FILE and on XXXX 2022 on XXXX pm est time on the recorded line it was revieled to me that the reason I was being denied is behavior based that I got into an argument with a member of the claims team so they will not get my money that has been stolen from me. Now they are causing my accounts to be treated in a negative manner. People are hanging up on me. Holds are being placed on me from payments from my capital one bank accounts of mine to capital one credit cards in the last month. We have employed a private detective who has located XXXX XXXX a known felon who is being charged in the state of Florida on multiple felony charges. Now when I call capital one and make them reopen these claims and make sure they have the police report they opened the claims and sent me emails confirming this at XXXX pm est and I was advised to call in at XXXX pm to check the status of my credits where an individual alerted me to the fact that i am being given my credits in XXXX to XXXX hrs. THIS NEVER HAPPENED! I get a individual from the claimsNo dept that says my claims have been denied at XXXX today XX/XX/2022. These claims have been going on since may. The account number is XXXX checking XXXX at capital one 360 account and it has been on restriction since may due to no resolution and the lies by the claims dept. this needs to be handled soon and the credits need to be deposited into my account.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020