davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

on the date of XX/XX/2020 there was an inquiry that appeared on my credit from the company Capital One that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

on the date of XX/XX/2020 there was an inquiry made on my credit by XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

On XX/XX/2020 there was an inquiry that appeared on my credit from the company XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.
Consumer complaint received 2023-03-14
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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC. (CA)

I am writing to dispute the accuracy of a charge off account that is currently being reported on my credit file. The account in question is listed with three different last active dates to XXXX, XXXX, and XXXX, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 
As per the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information on consumers ' credit reports. The multiple last active dates for the same account indicate that my credit file is being inaccurately reported and I demand that this be removed from credit file immediately. 
I request that the charge off account be deleted from my credit file, as it is in violation of the FCRA. I have attached supporting documentation to this letter which proves the inaccuracies of the information being reported. 
Please take immediate action to correct this issue and notify me of the outcome in writing within 30 days. If you are unable to correct this information, I reserve the right to take legal action, I submitted this dispute to the three major credit bureaus, and they did not correct it, or take it off of my credit file, which is also a violation of the Fair Credit Reporting Act ( FCRA ). Please have them remove this from my credit report immediately. 

Thank you for your prompt attention to this matter. 

The account is question is Exeter Finance LLC and the account number is XXXX
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit report act the following companies listed *XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX  has violated my rights the accounts are fraudulent. 
XXXX15 USC 1601 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 written instructions.

*15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2020-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My loan was acquired on XX/XX/XXXX and it was required to have FHA insurance on it until we reached 78 %. It should have fell off automatically since it was acquired before XX/XX/XXXX. 

I had requested by phone twice in XXXX to my local fifth third branch to remove it when it was not done automatically. I was told it would be removed but it was still on my XXXX payment and it went out, for {$72.00} Fast forward I even emailed corporate on XX/XX/XXXX to have it removed for XXXX payment. I called today XX/XX/XXXX to check on the status and was told I will need to pay again in XXXX and it wouldn't be removed until after that. I told them that was not correct and that they are breaking the law not removing it. The lady would not give me her name and she hung up on me. 

XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NH)

As a full-time employee of a qualifying non-profit organization, I am able to make payments that count toward Public Service Loan Forgiveness. Despite filling out all appropriate paperwork and getting certification from my employer promptly each year, only 8 out of 13 of the payments were counted toward forgiveness, despite the fact I made  all of them promptly and within the requirements of my income-driven repayment plan.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of XXXX I filed an unemployment claim with the California EDD and subsequently received a debit card from Bank of America. On XX/XX/XXXX my remaining balance of {$3000.00} was withdrawn from my account. I, however, did not withdraw the money. I reported this to BofA and received a notification on XX/XX/XXXX that the research had been completed and they were denying my claim of fraudulent activity on my card. 
Since then I have made numerous phone calls to BofA and spoken to multiple people. The claim was reopened and is still being investigated. Today XX/XX/XXXX I called BofA again and spoke to XXXX from Nevada. He said my account should have been resolved already, so the next step was to file a complaint that would take an additional 45 days to resolve. He filed the complaint. 
It appears that BofA has absolutely no intention of resolving this issue! This is a lot of money, I'm still unemployed and this situation has created a significant hardship for me and my family. 
Thank you.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IN)

014 - Credit Management LP Credit Managemnt has told me this for a XXXX bill inn which i have contacted XXXX and they stated i have no outstanding bill with them and everything is good standing with them. Credit Management has refuse to contact XXXX to resolve the issue with this account. XXXX also searched by my Social Security number and found no accounts nor balances.
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

The company in question is Wells Fargo and cash app. I was scammed for the purchase of a dog and I went to my bank and cash app to explain the situation. They both said there was nothing they could do after promising to help me with the situation.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing regarding my credit report which contains some inaccurate information. I have found several negative items on my report that I believe are damaging my credit score unfairly. I would like to request that you investigate these items and remove them from my credit report as soon as possible. 

Firstly, I have an account with XXXX  XXXX ( Account Number : XXXX ) that I believe has never been paid late. Your reporting of this account is completely inaccurate, and I believe it is having a negative impact on my credit score. Therefore, I kindly request that you update this account and delete the inaccurate information immediately. 

Secondly, there is an account listed under XXXXDEPT OF ED ( Account Number : XXXX ) that I am unsure of. I would appreciate it if you could clarify this account 's name and number to me, or remove it from my credit report altogether. 

Thirdly, there is an account listed under XXXX XXXX XXXX ( Account Number : XXXX ) that I can not recognize. I kindly request that you investigate this account and make sure that it belongs to me. If it does not belong to me, please remove it from my credit report. 

Additionally, I would like to bring your attention to several inquiries that have reached the statute of limitations. The inquiries listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX were made on XX/XX/XXXX. Since the statute of limitations for inquiries is exceeded, I request that you remove these inquiries from my credit report. 

I appreciate your prompt attention to this matter, and I would be grateful if you could send me a copy of the updated credit report once these items have been removed. 

Thank you for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-22
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX castellanos XXXX XXXX mdpa all XXXX XXXX XXXX ftc violations that was filed
Consumer complaint received 2020-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (MO)

My husband and I recently purchased a boat from XXXX XXXX XXXX. We did indirect financing through the dealer with Huntington Bank. We signed all required loan documents on XX/XX/XXXX. The bank repeatedly told us that they were behind because of unusually high volume. We continually checked in with the bank. They were not able to disburse funds to the dealer until XX/XX/XXXX. This was due to the bank 's backlog. I received my loan information in the mail and set up online banking where I discovered that the bank charged me interest on the funds prior to receiving them. The principal balance = {$30000.00}. Interest rate is 5.49 %. Interest due = {$86.00} which means they have charged interest since XX/XX/XXXX ( 19 days as of XX/XX/XXXX ). The bank caused our loan to be a week late in disbursement and then backdated and charged us finance charges for the time that we did not have the funds or possession of the boat. I expected interest charges for 12 days in the amount of {$54.00}. I understand that the difference of {$32.00} is not a lot of money. However, if they are delaying every customer and backdating all of their financing to periods where funds are not disbursed, the bank is taking advantage of their customers and the amount could be substantial. I did call the loan customer service department at the bank and explained the issue. I was was told there was no way to waive the overage in interest charges.
Consumer complaint received 2023-03-14
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 (TX)

Dear PayPal Customer Support Team, I am writing to you today to formally lodge a complaint regarding the permanent limitation that has been imposed on my PayPal account. I am hoping that you can consider my request to have my access restored. 

On XX/XX/2023 XXXX, I was notified by PayPal that my account had been permanently limited. This decision came as a surprise to me, as I have always used PayPal in accordance with your policies and guidelines. Furthermore, I have never been involved in any fraudulent activities or any other violations of PayPal 's terms and conditions.

Despite my attempts to contact PayPal 's customer support and resolve the issue, I have not received any clear explanation as to why my account was limited. This has caused me great inconvenience and has put me in a difficult financial situation, as I have been unable to access my funds or make any transactions through my account.

As a result, I respectfully request that PayPal reconsiders its decision and restores my access to my account. I am more than willing to provide any additional information or documentation that may be required to resolve this matter.

I would like to emphasize that I have always valued my relationship with PayPal and have always trusted your company to provide me with a safe and secure platform to conduct my online transactions. Therefore, I hope that this issue can be resolved promptly and that I can continue to use PayPal 's services as I have in the past.

P.S : I have attached my valid photo id with this complaint as a proof of genuine identity holder.

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, I tried to use my Chase ATM Debit card to withdraw money. I wasn't able to. On the XX/XX/2020 I called Chase Bank and asked why I wasn't able to withdraw money. Customer Service told me that my accounts were being closed. They were unable to give me a reason. They told me that my money would be issued within 10 business days and that if I wanted more information, I would have to go into a Chase Bank Branch in person to request the reason why. I went to a Branch on XX/XX/2020 and was told that they did not have any additional information to give me. The branch manager called the " backoffice '' for me and they told her that they could not tell her why they closed my accounts. They told me that they would issue me a letter. I received a letter saying that the Bank had decided to end my relationship and that no further information would be given. I have perfect credit, have never had a bounce check or late payment but was still not given any reason. My Checking account ending in XXXX had a balance of {$7800.00}. My account was closed " OFFICIALLY '' on XX/XX/XXXX. The account was put on restriction on XX/XX/XXXX and I was not allowed to withdraw my funds. Today is XX/XX/XXXX and the bank has not released the funds. After spending 2 hours on the phone, I was told that my account was under review with Loss Prevention and that the funds could not be issued. I explained to the representative that I was told the money would be sent. Chase refuses to tell me when my money will be released and they told me to call back on Monday the XX/XX/2020. The bank is holding my money hostage and will not release the funds. I want to know why they are doing this and why they closed my accounts without any warning.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (TN)

I opened a new account with Truist on XX/XX/XXXX with an opening deposit of {$250.00}. 
I tried to log into my new account on XX/XX/XXXX and could not access my online account. I was told to go into the bank to show my ID to resolve. 

I went back the following week and they were able to unlock my account at the local branch. My company attempted to direct deposit my paycheck to the Truist account on XXXX, but the direct deposit was rejected. 

I found I was locked out of my account again and that my account was charged a {$12.00} service fee on XXXX because a direct deposit had not been made to the account yet. I went into the local branch on XX/XX/XXXX in an attempt to resolve the issue. 

The local branch then notified me that corporate Truist intentionally rejected my direct deposit and then closed my account. 

I feel like Truist basically stole {$12.00} from me by forcing me in a situation where I was not able to make deposits to the account to avoid the service fee and then ultimately closed out the account. 

The local branch told me they could not refund the fee as it was put on the account by corporate and corporate Truist told me the local branch had to handle. They had me stuck in the middle of their ineptitude.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Was victim of a scam with a fraudulent account. I payed for the service and never got the answer. Payment made with XXXX/zelle and when called to cancel was not open. Later was told they couldnt cancel cause it was already too late and transaction was complete. Fake account with trusted bank and still not able to get a refund or ask for a claim.
Consumer complaint received 2020-05-29
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$360.00}
Consumer complaint received 2023-03-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy case number XXXXXXXX XXXX XXXXXXXX Bankruptcy case number XXXX XXXX XXXX  account number XXXXXXXX XXXX  account number XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX XXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING
Consumer complaint received 2023-03-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I notified this bank that I was being impacted by COVID-19 and they still reported my payment as late. I have called and spoken to several representatives and they are claim that they are not able to reverse it. XX/XX/2022 was still reported as late, even after I had notified them that I was impacted.
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Multiple payments processed, cleared, and verified by both sending and receiving financial institutions but PAYPAL MASTERCARD VIA SYNCHRONY BANK is penalizing me by holding the payments for a predefined length of time solely based on being a new customer. This is regardless of the fact that they have received and fully verified the funds, yet paypal supervisor XXXX refused to lift the hold because their policies allow them to hold my payment. 

Currently I have a credit limit of $ XXXX, with a balance of {$290.00} after my {$700.00} payment on XXXX and {$150.00} on XXXX, but paypal is refusing to clear my available spending limit beyond {$7.00} despite my payments.