davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

! 5 U.S.S 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 2022-12-03
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: CBC Companies, Inc. (DC)

I believe that I am a victim of identity theft Reason being I am unable to freeze my innovis account due to fraudulent information inside my credit report Someone has been making purchases of vehicle tags, leasing, purchasing vehicle in my name from 2015 to date. The fact is I have never owned a car or a license ever in my life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX senior citizen, unemployed for the past 32 years. 

Also there are eviction records in my name of properties I never resided in my life
Consumer complaint received 2022-06-22
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: CBC Companies, Inc. (OH)

The reason for my dispute is that there are multiple discrepancies still showing even after filing my ID theft report. Remove the following immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, PHONE # XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (NY)

Equifax is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Equifax a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Equifax has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The credit bureaus stated my account was properly investigated but hos is that possible if the open date is inaccurate, the date last active is inaccuarate, and date last reported is not accurate. this ground for removal they also violate 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP (WA)

XXXX HAS XXXX MORTGAGES ON HIS HOUSE, THE XXXX ONE IS WITH KEY BANK, IT TOOK US XXXX YRS TO GET A SHORT SALE APPROVAL WITH XXXX ( XXXX XXXX XXXX XXXX 
WE FINNALLY GOT A PRE APPROVAL ON XX/XX/XXXX. WE CALLED KEY BANK AND INFORMED THEM, THEY IMIDALTY SENT OUT A SHORT SALE PACKAGE, AND WE SUBMITTED IT ON THE XXXX, WE WERE MISSING SOCIAL SECURITY AWARD LETTER, OFFICAL APPROVAL LETTER AND HUD STATEMENT. 
THE HUD AND TITLE WERE SUBMITTED ON XX/XX/XXXX. ON XX/XX/XXXX WE WERE TOLD THEY NEEDED BANK STATEMENTS, I WAS INFMORED BY THE SELLER HE HAD NONE. NORMLLY ON A SHORT SALE A BANK WILL NOT REQUIRE ANYTHING IF THEY DONT USE A BANK. THEN THEY WANTED THE CASHED CHECKS FROM SSI, WHEN EVERY LENDER USES THE AWARD LETTER. I TOLD THEM OTHER LENDERS DONT REQUIRE THIS, AND WE HAD A FC DATE, THAT WAS INCLUDED IN THE ORGINAL PACKAGE WITH A DATED XX/XX/XXXX. I ASKED FOR A ESCEPTION ON THE CASHED CHECKS, THIS WILL TAKE SEVERAL WEEKS, WE DONT HAVE, THE AWARD LETTER SHOUDL BE SUFFICANT. THEN ON XXXX WE GOT THE OFFICE SS APPROVAL FROM XXXX AND CLOSING DATE OF XX/XX/XXXX DUE TO THE FC DATE XXXX XX/XX/XXXX. 
THE GUY ON THE PHONE TRIED TO ARGUE WITH ME ON HOW FAST XXXX MTGS APPROVAL SHORT SALE AND THAT THE HAD NO NOTICE OF A FC DATE, MY AVG FOR XXXX YRS HAS BEEN XXXX HOURS. HE STATED THEY HAD NOT DOCUMENTS ON THE XXXX DATE, I INFORMED HIM IT WAS PART OF THE PACKAGE, AND HE DENIED IT, I THEN EMAILED THE ATTONREY AND HE STATED THEY WERE NOTIFIED ON BY STATUTORY NOTICE ON XX/XX/XXXX. AND HE UDPATED IT AGAIN. I WAS TOLD THE FILE WAS REVIEWED BY THE U/W BY 1 PERSONA AND THIS RUDE GUY SAID IT WASNT. 

WE NEED TO CLOSE SOON AND NEED THIER APRPOVAL, THEY KNOW THE XXXX MTG DETERMINES WHAT THE XXXX WILL GET. THEY HAVE THE APPROVAL WITH XXXX, CLOSING DATE, AND THE XXXX DATE DOCUMENT.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

XX/XX/2022, Received an email from PayPal stating : You can't use PayPal anymore We noticed activity in your account that's inconsistent with our User Agreement and we no longer offer you PayPal. You can still log in and see your account information but you can't send or receive money.

Anymoney in your balance will be held for 180 days, after which we'll send you an email with instructions about transferring your money. 

I opened the personal account on XX/XX/2022. In order to receive money from my father while I was out of town. The account was set up and used for him to send emergency funds to me. Now they are holding my balance of {$240.00}. Which was money sent by my father to cover expenses during this situation. The account was only used so I could receive money from my father, who already had an account. 
All transactions were completely legal. I only received money from a relative. The only other use was to make a few necessary purchases hotel rooms and XXXX. There was no other activity. Completely legitimate transactions under the PayPal rules and policies. 
When trying to send funds to my bank/debit card, it wanted further verification. I sent my ID and immediately after I sent my newly opened account statement they sent the email mentioned above on XXXX, XXXX. 
They did not ask for any other information. 
The account and money in it are mine alone. I do not sell or do business or purchase prohibited products and have no idea why they wouldnt let me transfer or send my money out of the account before they decided to close the account. 

XX/XX/2022, they closed my account and refused access to my balance of {$240.00} for 180 days. The explanation for the delay does not apply to me. Because there are no outstanding issues. All purchases were completed and all money transfers were to only me and sent from my father for nothing in exchange. Just a gift. 

On XX/XX/2022, I called and complained and asked for a swifter resolution, in order to have access to my funds. They responded they will send an email in XXXX instructing how to receive that money. I was told they would submit my case for a secondary review. Which I will be notified in about 5 business days later.

I have no reason to believe they will grant access to my funds sooner or actually communicate the concern, so I can resolve this issue. 
PayPal has been quite deceptive. Freely allowing money to be deposited into the account held by them, but making it difficult to use for purchases or to send and withdrawal. The account only open a month and not used much.

PayPal must return my money to me as soon as possible. And contact me in order to insure they have the correct contact info needed to make sure the funds are sent to my address or other account. 

I never experienced money being withheld where none is owed. 

I appreciate the agency helping to correct these improper holding of my personal money and to resolve any misunderstandings.
Consumer complaint received 2022-06-22
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. ()

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 a account without my written instructions. 

The accounts include the following : XXXX is XXXX XXXX is XXXX and account number : XXXX XXXX XXXX is XXXX and account number : XXXX XXXX  which is for XXXX
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

Hi, Yes, we have a temporary financial situation. I made the decision about debts to close credit accounts to go on a long-term customer assistance plan. I talked to a Synchrony representative for over 2 hours. This was for my Amazon, Sams Club, and PayPal cards all with Synchrony. I have a Lowes card with them as well. I chose to keep that card. The representative I spoke with said that I could keep the card open with no changes. We even joked about me getting a new refrigerator in the next couple of years if everything goes ok. They sent me a notification, an online letter, that my account was closed. Of course, they did it based on other accounts. Not the Lowes account that wasn't late. So they lied to me about not closing the account, being able to keep it, no changes, and buying a refrigerator with it in a couple of years. I had a {$17000.00} credit limit. Only {$4500.00} was being used. It was on a promotion that was only {$50.00} a month. The Lowes card has promotions for 84 months for purchases over {$2500.00}. They knew that I wasn't going to use it to buy stuff and just run it up. What would I buy with a Lowes card if I'm having financial trouble? A hammer isn't going to help, and neither is a mailbox. I understand risk management. However, you create estoppel at risk when you promise but don't deliver. The estoppel prevents you from being dishonest about things of this nature. 

Synchrony already found an error from 2018 on my Sams Card that resulted in a {$200.00} refund. I wonder why they are auditing that far back? This shows a pattern of errors. On the cards I closed, they are still reporting me negatively to the credit bureau, and it's killing my credit ratio. Since they are closed, it's going to be over 100 %. 

On my Amazon account, I'm receiving advertisements for Prime Day with offers of higher rewards and financing from select items. It specifically lists " Your Amazon Prime Credit Account ending in XXXX. '' I also am unable to utilize Amazon 's subscription and save each month for 15 % off bulk purchases of items we buy regularly. You can use any payment for that. However, with the Amazon card, you receive an additional 5 % off. There are also additional promotions throughout the year. Due to them sending this to me, I would like them to reopen the account, and raise the credit limit back up to the {$10000.00}. I don't plan on buying anything but groceries and maybe some small items on Prime Day, but this card is normally paid off each month. I really did not want to close it, but I made that decision. Partly at Synchrony 's nudge. The only one they didn't say anything about was the Lowes card. Then they snuck in and close it. 

I'm fine with leaving the PayPal card closed. However, it's still showing up on my company 's XXXXayPal account. This needs to be removed. PayPal is not the only way to access the account. Plus, it does not look good for my business.
Consumer complaint received 2022-06-22
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (AZ)

Hello, My name is XXXX XXXX. I have been working hard to increase my XXXX  score. In XX/XX/XXXX I tested positive for XXXX and developed XXXX XXXX. I was out of work for 3 months and developed severe XXXX XXXX resulting in having to file for FMLA through work. During my time off I called Chase Auto Finance and they did work with me and deferred some of my payments to help decrease my stress during recovery. However, 3 months was not the only recovery I have needed. I had to extend my FMLA on several occasions. The last time I had to file for FMLA Intermittent leave was from XX/XX/XXXX to XX/XX/XXXX. Back in XX/XX/XXXX, I had to use some leave as I got XXXX again, not as bad but needed some time off work. I called Chase Auto Finance twice in the same week nearly in tears asking them to help me again, I didn't want my payment to be late as I worked so hard to increase my XXXX  to XXXX. I spoke with two different people and they both denied a deferment stating that I did not meet the requirements for the deferrment. I called Chase Auto financial and spoke with the Supervisor, XXXX, on XX/XX/XXXX and explained my situation and asked if there was any way he could reconsider reversing my 30-day late notice to the credit reporting bureau , he said he could not. I explained to him I have been working hard to get my XXXX  stable and that I did call asking for help and was denied twice the same day when reaching out to Chase Auto Financial to try to avoid this late payment. I am not sure if there is anything you can do to help me. But what is the point to reach out for help if the financial organization shuts you down and lets you face a late payment over trying to help people during a global pandemic. I am a XXXX and unfortunately, I work in the XXXX  setting and risk my life and health every day being exposed to XXXX on a daily basis. Me contracting XXXX twice within two years is nearly inevitable being that I XXXX XXXX XXXX XXXX XXXX XXXX setting with close contact with XXXX. Please, if you can help me, I would greatly appreciate it. 

Thank you for your time. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX was never late! I have had an exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment.

This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hardship to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports!
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

XX/XX/2021, Experian, HAS NOT UPDATED MY PREVIOUS ADDRESSES CORRECTLY. I have attached the inaccurate address printed from Experains website. My previous address was XXXX XXXX XXXX, XXXX, NC XXXX. Which is spelled out incorrectly on there website. I have attached that to show as proof of inaccuracy. When I printed my Experian consumer credit report on XX/XX/2021 and the PREVIOUS ADDRESS are inccurate. The print out version of my credit report has 2 incorrect addresses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX IS NOT MY PREVIOUS ADDRESS. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX IS NOT MY PREVIOUS ADDRESS. Check the dates that I printed these document as well. One document is a print out and the other is from a website screen shoot of my personal information. Both come from Experian website.
Consumer complaint received 2022-04-20
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: Nicholas Financial Inc. (GA)

On XX/XX/2022 I received a notice from XXXX that Nicholas Financial did a hard inquiry on my credit file. I have not applied for any credit from this company or any auto company. I called Nicholas Financial on XX/XX/2022 at the number listed on my report. ( XXXX ) XXXX and the person I spoke with said there is nothing they can do so I need to file a dispute. XXXX stated that they are unable to dispute credit inquiries so they advised me to submit my dispute here.
Consumer complaint received 2022-01-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (IL)

Dealing with Santander consumers has been a nightmare! I made a mistake by accidentally paying 2 car notes in one month. Since I needed to be reimbursed for one of the payments I contacted Santander as well as chase ( my bank ) for details on reimbursement.

My bank was able to reimburse me the extra payment and later contacted Santander for a refund. Instead of Santander refunding my bank.. they marked the car as said off. Sent me my title and dropped a 30 day LATE PAYMENT on to my account.

This ultimately resulted in my credit score dropping over 75+ points. My auto loan was paid every month on time. This company reported a false delinquency out of spite. I am asking that action is taken to remove this false Delinquent claim
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today on XX/XX/2019 I had been using Transunion.com to view my credit report, a website to which was advertised as free to use and had finished updating my account only to find out {$26.00} had been deducted from my XXXX account. Then, I proceeded to find a way to cancel my account on the website, but was unable to find any sort of link related to this and couldn't call since it was after office hours so I tried looking online for any answers about this and found links that other people used to cancel their account, but it had not worked for me either. The most bothering part about this is that multiple people have been taken advantage of by this website and yet their customer support is still just as poor. Tomorrow morning I plan to call and see if I am able to cancel and hopefully get a refund.