davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IA)

The Loss Mitigation dept at US Bank incorrectly put my account under a payment plan and is not resolving my dispute in a timely manner. 
In all honesty this should never have happened at all because I was never truly delinquent!! I have been jerked around for almost 2 months, more specifically in the last 5 business days by : XXXX XXXX # XXXX who has refused to take my calls even thought she is my assigned relationship manager. 
XXXX # XXXX who was just jerking me around telling me XXXX and XXXX werent there when in fact they were, gave conflicting information, was rude and unprofessional. 
XXXX # XXXX who said he was working on a resolution however has not called me back when promised as of 2 days later. 
XXXX ( no ID number known ) who kept me on hold for over an hour full well knowing he was not going to be transferring me to someone to assist. I have a witness, XXXX XXXX, Client Relationship Consultant at the branch I was in trying to get this resolved. 
I have been more than patient and I am no longer waiting, nor should I have to. This is US Banks error, not mine, and I should not be forced to wait any longer. In fact there should be nothing to research bc it never should have gone this far! I have never been late, never gave authorization or consent to a payment plan and are pretty sure this is a banking violation.
Consumer complaint received 2021-06-17
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: SYNCHRONY FINANCIAL (TX)

Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

This complaint is a follow up to a previous complaint ( XXXX ). I was reluctant to submit feedback because I want to limit my contact with that particular mortgage servicer. Their response was inadequate and insulting. This company has been the subject of many complaints regarding refunds and payouts. They also try to " stall out '' consumers by letting substantial amounts of time pass before they respond to complaints. Also, they manipulate resources like the CFPB by not disclosing information in terms of what they do to attempt to solve the situation. For example, in their response they did not disclose to that after I filed my initial complaint they sent me a refund check for {$100.00} with no explanation attached. This was to pacify me in hopes that I would give in. However, I did not cash the check and I viewed it as an insult. Furthermore, they expect their response to coincide with the CFPB policy of not doubling down on complaints.

Please accept my sincere thanks for assisting me in resolving this issue. Also, please let them ( SPS ) know that I as well as the CFPB know that when there is funds owed to the lender the amount is enclosed in parenthesis, on each document I submitted there are none. Also, please let inform them of my sincerest desire to get this resolved without legal recourse. Generation of a mutually beneficial solution with minimal parties involved would be ideal.
Consumer complaint received 2023-01-27
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2022 I received money into my PayPal 's XXXX account from my PayPal XXXX account for the services I had used from my business. The amount of {$14000.00} was received in the form of two separate transaction of {$4800.00} and {$9900.00} ( before PayPal fees ). Despite submitting all the supporting documents to PayPal they have limited my access to my funds for well-over 72 hours now. 

This has caused severe loss to my business as some of the bills we have to pay have been delayed on the account of this limitation. Not only some of our bills are going unpaid, but they are accruing penalties and fees for delayed payment. 

Refund of the amount to the sender ( myself ) is not an option because, PayPal refuses to reverse the hefty 3 % fee they charged for this transaction. So I am pretty much stuck. PayPal is literally holding my money to ransom.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

I applied for what was advertised as a " payment plan '' on a monitor I bought on XXXX. It was actually a credit card through TD bank I found out after. Very confusing advertising, wouldn't of applied if I had known. Anyway I bought the monitor for a total of {$510.00}. The payments were supposed to be equal monthly payments for 24 months interest free at {$21.00}. I never received anything after that, no bill or card from them. I got a call on Monday, XX/XX/2023 from what was labeled as TD bank. It was marked as spam so I called TD banks XXXX number from their website back. Spoke with a representative and explained the situation. We reported the card lost/stolen and she updated me email address to I would get updates. I tried to make a payment of {$64.00}, she said I had to make XXXX and XXXX payment plus the late fee to bring it up to date then they could waive the late fee. She then said she couldn't take it because the account # was blocked when we reported it lost and to call back. I have been trying for over an hour to get a hold of someone today XX/XX/2023. I keep getting transferred saying it the wrong place in TD bank and they will transfer me to the correct place. I have been now transferred 7 times with about 10+ hold times everytime. I still do not have a statement or card and now I can't even get to the right department. This shouldn't be that hard. I need someone to help because I do not have time to do this and they should be sending out statements properly and cards. There should be some process for handling situations like this because I am sure I am not the first. It is not fair to me that I am forced to sit here on the phone for HOURS trying to fix this because they do not have a proper process in place. It either sit here or hang up and wait for the new card that will hopefully arrive this time so I can make a payment before it is reported to the credit bureaus. I am really regretting doing the 24 months plan. I also think they need to update the discription of applying to let the borrower know that this isn't just a plan it's an actual CREDIT CARD not just XXXX XXXX... .it 's very deceptive and states no where about it being a credit card even in the fine print. To me it looks like a one time loan.
Consumer complaint received 2021-06-17
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. (MO)

Bankruptcy Courts DO NOT report to Consumer Reporting Agencies because they know its not legal. XXXX XXXX and other secondary bureaus fishes for information and they sell it the larger consumer agencies like a Experian, XXXX, and XXXX. The Consumer Reporting agencies claim that they investigated and it came back verified. Who did they speak to, to verify this? They didnt speak with me. Did they speak to a competent witness or the court house clerk? It is illegal for the Consumer reporting agencies to access public records and furnish to my consumer report. This is a violation pursuant to 15 USC 1681 and my consumer rights to privacy pursuant 15 USC 1681 ( a ) ( 4 ). Another violation pursuant of 15 USC 6802 ( b ) ( 1 ) a financial institution may not disclose nonpublic information to a nonaffiliated third party. and violating 15 USC ( b ) ( 1 ) ( c ). Anything between me and another party comes into play its not public information and its illegal and I have to give my consent to share my non public personal information. The courts stated in the letter that they dont provide or report any information to 3rd parties consumer agencies. Also I never gave written instruction to furnish this account on my consumer report pursuant to Pursuant to 15 USC 1681 ( a ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I sent numerous a letters and time to seek justice.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

My reports from XXXX and Experian both show an account, XXXX XXXX XXXX, showing negative payments for a time period that they did not own, nor service the debt. XXXX XXXX XXXX, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, XXXX from XXXX XXXX XXXX, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet XXXX XXXX XXXX is not reporting it. I have contacted XXXX, Experian and XXXX XXXX XXXX each several times to resolve this. XXXX, however, removed the XXXX XXXX XXXX from my credit report after their investigation.
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-03-22
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. (MI)

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX On [ XXXX XXXX and XX/XX/XXXX ], XXXX XXXX took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit score, which in return affected my chance in renting apartment and financing a car later on.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Numbers # XXXX and # XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please remove the following items off of 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4900.00} 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 Under the provisions of the Fair Credit Reporting Act section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.
Consumer complaint received 2023-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (IN)

on or about XX/XX/XXXX, i applied for a secured loan with one main financial in XXXX indiana. 
i submitted all required paperwork, and my loan was approved with a re-finance of a vehicle in my name that has quite a bit of equity in it. 
i was very clear in every step of this process that the vehicle in question was registered in North carolina, as i am a nice mom and purchased this vehicle for my daughter. 
One main even informed me that they were aware of the vehicle being registered in North carolina. they confirmed this as true as they were able to see an electronic title and registration for my vehicle. 
i went into the branch in person to work on the paperwork for loan closure. 
when i went into the branch the manager informed me that they assumed my vehicle was registered in Indiana since north carolina and indiana vehicle titles look the same Even though i asked repeatedly they were aware the vehicle was titled in NC. 
one main said sorry, we cant do this loan and denied it. 
i received a letter with adverse credit actions taken- which i dont understand as the loan was approved. 
I reached out to corporate on XXXXand asked why a financial institution is not doing due diligence to validate customers Personal information when applying for a loan. 
I also want to know what the adverse action letter was received that my loan was denied for high loan to income value - but the loan was Approved. 
corporate called me back on XXXX and said they would investigate but would be leaving the office early. they asked i provide a copy of my vehicle in questions registration, which i did on XX/XX/XXXX. 
when i did not hear back from corporate by XX/XX/XXXX i reached out again to ask for an update. 
corporate gave me the run around again, saying they did not receive my registration photo ( why they didnt reach out and tell me this no idea ) so i resent the copy of registration again on XX/XX/XXXX. 
It has no been almost 30 days and i still have no answers on why the loan was approved and then denied with false reasons, why i received an adverse notification letter, and why one main who is a financial institution has no regard for customers PII information, or does not do due diligence when working through a loan. 
i myself work in a financial institution, and this is NOT the way we treat customers and their sensitive data.
Consumer complaint received 2023-03-20
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Fraud : Bank of America Headquarters XXXX XXXX XXXX XXXX, NC XXXX I have requested Bank of America not to set up on-line access to my debit card. I told them I did not want any on line account set up on my checking account due to fraud. 
My cards were stolen and I requested that all cards be cancel XXXXdebit card and credit card too. 
( XXXX : XXXX a.m. ). I was told by XXXX of Bank of person that my credit card and debit would be cancel. 
However, I called today and was told ( XXXX ), that card was never closed out. 
There has been activity on my account and I would like a full investigation into this matter. 
XXXX XXXX XXXX  XXXX , XX/XX/XXXX Card ending XXXX time XXXX XXXX text to phone number XXXX XXXX XXXX Please explain why my cards were never cancel Called Bank America time XXXX XXXX on hold for XXXX minutes XX/XX/XXXX They can not protect my funds.
Consumer complaint received 2021-10-14
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. (OH)

I reviewed my personal credit report and noticed that there were inquiries on my credit report that I did not authorize. All attempts made to resolve this with the companies involved have proven futile. I am a victim of identity theft and did not make these enquiries. The incident related to the theft of my identify has been reported to the Federal Trade Commission. I am requesting that these items are deleted to correct the discrepancies on my credit report. 

FRAUDULENT INQUIRIES Account Name : XXXXXXXX XXXX  Date Reported : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Name : XXXX XXXX Date Reported : XX/XX/XXXX Account Name : XXXX XXXX Date Reported : XX/XX/XXXX XXXX
Consumer complaint received 2022-08-21
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. (OH)

I tried using the dispute methods available. They had no effect. I contacted the company, requesting an appointment to view charges on this account. I was denied, and told if I had a problem that I would have to dispute it with XXXX. 

I sent letters using the FCRA. My last effort was a demand for my all file sent to the XXXX via XXXX, it was signed for almost 2 months ago. Still have received nothing but incorrect, negative reports to the credit agencies.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (HI)

I.C. System Inc. continues to harass me with phone calls and letters about an untrue, unproven, unverified, untimely and alleged Collection account, with their Reference Number : XXXX This account does not belong to me and was disputed many times and already removed from all 3 Credit Reports in 2021.

I.C. System Inc. has never furnished me any proof that they have any legal right to collect on this alleged debt. There is absolutely no signed contract from me and the alleged original Creditor, that I agreed that this alleged debt was to be sold to a 3rd party, like I.C. System Inc.

The bill I.C. System Inc. sent me, is not proof of any legal right to collect on a debt.

I.C. System Inc. is in clear violation of 15 USC 1692. ( C ) ( A ), of the FTC - Fair Debt Collection Practices Act.

I.C. System Inc. is also in clear violation of 15 USC 1692d 806 Harassment and abuse, by their constant harassing phone calls and letters.