davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
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 (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I provide service from the United States, my store 's shipping times are exceptional at 3-5 days, and I had 0 outstanding disputes or complaints. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-01-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (TN)

On XX/XX/XXXX I obtained a loan with Mariner Finance. A little time went by and I knew my first payment should be coming due but I remembered it being greater than 30 days out from acquisition. I looked for my paperwork but soon gave in to the fact Id misplaced it. By XX/XX/XXXX Id heard nothing from Mariner concerning my payment being late so I paid them a quick visit to inquire about the due date. I was told I was paid up. A payment had been received in their corporate office and applied to my account in the amount of {$3500.00}. PuzzledI asked several times, Are you sure? The ladies all replied, Yes! You have money available if you need it and would like to refinance. Shocked and bewilderedI stated, Well, maybe my kids found the contract and sent in the payment as its happened once before. XX/XX/XXXX rolled around and my son needed money for college tuition. I went back to Mariner on XX/XX/XXXX and took them up on their offer to close out the previous account and refinance. It was a 12-month note. I made all my monthly payments in person at their XXXX, TN location. Although this fell within the COVID pandemic timeframe I was able to pay a little extra thru out the term of the loan and was due to pay it off one month early ( XX/XX/XXXX ). In XX/XX/XXXX I noticed Id received a couple emails stating, Our records indicate that your account is currently past due. We may have options for you. I called the local office to question the reason for the emails since I knew I was paid up and very close to paying them off. I was told someone would call me back. The XXXX called the next day and stated I was past due on repaying the {$3500.00} back. I was told the original loan had been opened back up in XX/XX/XXXX due to a clerical mistake. The {$3500.00} had been reapplied to it with the first payment being due in XX/XX/XXXX. I was taken aback as this was the first Id heard of it. On XX/XX/XXXX I paid back the refinanced account in full. Is this an acceptable business practice? Can they reopen an account that had been refinanced and is now paid in full? Why was there no communication? Why was I not previously told about this action as Id visited the local office many times thru out this timeframe making monthly payments in person? I was told I should have received something from corporate in the mailwhich I did not. I was told theres nothing they can do about a mail issue.
Consumer complaint received 2020-12-21
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. (FL)

I am speechless after I saw my report recently and found there accounts that are not mine absolutely. I am requesting that you delete information off of my credit report that isnt mine. Actually I have no idea how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2020-12-21
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)

Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Previous Address XXXX XXXX XXXX XXXX XXXX TX XXXX -- to be removed --
Consumer complaint received 2020-12-21
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. (TN)

XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Unlimited VisaXXXX. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. None of these cards have ever been late yet due to under reporting on my Experian Credit report, my score is reported being XXXX which is a fair score. This reporting is preventing me from obtaining a mortgage.
Consumer complaint received 2019-08-31
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. (OH)

In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX with my mother and XXXX XXXX is the bank loan holder. But, when I printed my TransUnion Credit Report No. XXXX I had to dispute a record under regular inquiries for XXXX XXXX dated on XX/XX/XXXX, XX/XX/XXXX with the permissible purpose : " AK SOCIAL SERVICE/WRITTEN AUTH/INVESTGT FRAUD. '' I have not committed fraud, and I have spoken with both the credit bureau and the bank XXXX XXXX. They both said they didn't do it, then TransUnion instructed me to request a letter from the bank which I have submitted as certify mail. Photos are included. It's been over 45 days and I need this to be resolve at once. They took 83 points and the others bureau as well deducted points about the same. I feel I wasn't treat it fairly and truthful because last time I spoke with someone in TransUnion Credit Bureau, they said they were removing such record from my report and return my points back ; but, when I printed my report today XX/XX/XXXX, that record still there. PLEASE HELP!
Consumer complaint received 2021-04-27
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. (TN)

Hello I have been contacting this company Equifax, XXXX  AND XXXX for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-04-27
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)

XXXX is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (NY)

I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop. 

When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked. 

They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment. 

I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense. 

This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with. 

In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX  ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with XXXX XXXX XXXX. Her note said : " We received notice that you have failed on your payments under the settlement. 
Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account. 

After this, I tried to contact Barclays directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue. 

Which brings us to XXXX, XXXX. 


We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called XXXX XXXX XXXX incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes. 

I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.
Consumer complaint received 2021-01-09
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: EQUIFAX, INC. (CA)

I had my credit ran today XX/XX/2021 because I am trying to purchase a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called XXXX XXXX and the other one is from XXXX XXXX XXXX. Neither of these accounts belong to me ; I didn't open them and I did not give anyone permission to open them on my behalf using my personal information such as my name, date of birth, address or social security number. I don't know who is responsible for these accounts but I did not benefit anything from these accounts. I also do not have any sort of written or verbal contract with either of those companies and I did not allow them to run or access my credit information. I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2019-08-31
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. (IN)

I am getting the run around, from my vehicle finance company and the 3 credit bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XX/XX/XXXX ). Date for contact to finance company ( XX/XX/XXXX ) Date of communication with finance company representative ( XX/XX/XXXX ) Date of contact with Experian ( XX/XX/XXXX ) Date of contact with XXXX  ( XX/XX/XXXX ) I have not been able to reach XXXX. They are unavailable over the weekends
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

My loan was paid off through a refinance of into a new loan. There were {$740.00} in suspense funds that were not accounted for after the payoff was processed. Ive been trying to get info on these funds but no one knows what to do.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC ()

I have opened an account on Gemini and uploaded my ID. Verification is pending for about two weeks. For me, it is a very unpleasant situation, I needed to trade crypto and now I have to wait. This is so unprofessional, I can see many people have the same issue with them.
Consumer complaint received 2020-08-23
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)

I have experienced identity fraud in the past and have made countless attempts to prove that things weren't acquired by myself and thought those things were corrected. However as I reviewed by credit report I see that the very things I thought I did away with found its way to my credit history which I believed to be impossible. I recently inquired about a car and was denied and hired an attorney to educate and consult with me about this matter and to know that my identity has yet been used time and time again to get whatever these frauds wanted at their own disposal was just mind boggling. I don't understand how or why creditors does not have an identity verification process to prevent such fraudulent activities! I need these items removed, simply because I did not consent for any of these false items nor did I inquire about them!
Consumer complaint received 2024-08-29
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. (IN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-03-25
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: CITIBANK, N.A. (CA)

I have fallen victim to identity theft due to the XX/XX/2017 XXXX breach. This has taken a toll on my XXXX heath and it has caused me a great deal of frustration and anxiety.
Consumer complaint received 2020-12-21
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (NC)

Originally leased 2 different vehicles from Hyundai. At the lease end, decided to buy out the lease from Hyundai in order to keep the vehicles. I went to my financial institution to do the buyout. Once Hyundai Motor Finance received a check for the vehicles, they never provided bill of sale or odometer statements with the proper signatures from Hyundai Motor Finance in order to get the car re-titled. We contacted HMF a number of times - once in XXXX - twice in XXXX - four times in XXXX - Twice in XXXX ( in XXXX, the bank also contacted HMF to try and resolve the issue ) to have them send the proper paperwork. In all experiences except once, the forms arrived with no signature at all. When it did come, it had a partial electronic signature, which, again, would not be excepted by the state. At this point, every time we cann HMF, they politely put me on hold and promptly hang up! 

No matter how much ill will has been generated, we still need the proper paperwork from HMF to get the car titled. Can CFPB research this issue so that we can get some kind of movement. 

Thank you!
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX A ) XXXX Balance : {$760.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$810.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-12-21
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. (AZ)

Hello, I writing to you because I went through my credit profile and I was shocked what I saw there. I figured out in my credit report inquiries that I have never authorized and plus one unknown account. This highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Savings account opened in my name. Thankfully no transactions took place.Talked with bank fraud Dept. They closed account Immediately. Fraudulent account opened online. They had my mailing and ssn. 
Account was opened on XXXX XXXX. Received a statement today In the mail. 
The email the perp used was not mine. 
Bank Referred me to this site. 
Bank of America.