davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

We bought @ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH ( XXXX ) XXXX A Used XXXX XXXX XXXX on XX/XX/XXXX. 

The financing was though XXXX XXXX Bank : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX At the Time of close. We were informed our Credit was less than Stellar?? This is the Best we could get?? Denied access to Death Loan Pay Off and or Unemployment Loan Payoff Insurance. This due to our advanced age and poor?? Credit Rating?? 
I dispute this. We have a Rating of GOOD then as now. 
Take it or leave it. This is the only way the Bank will Write this Loan. 
I've never seen a Loan Agency EVER so anxious to repossess a Used Vehicle. Especially one being 8 MY 's old at the time this Financial Arrangement was made. Not even a Rumor or Whisper of such. 

My Wife did receive notifications on why Financial Institutors turned her own for credit Lending. I did EXCEPT for Equf.. located in XXXX, Georgia. Again they insist I am my deceased FATHER. I requested VIA Telephone 4 Times since to have their Reason Why sent to ME. None such as of this date.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2021, Goldman Sachs reported an INCORRECT balance of {$4600.00} on my Apple Card to the Credit Reporting Agencies. In addition to having an incorrect balance reported, we were unable to furnish evidence of a zero balance as the monthly statements omit any part of the our account number on the statements which make it difficult for lenders to tie back to any particular account. When I called to correct the issue, Goldman Sachs customer service indicated it would take up to 60 days to correct.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (TX)

I have tried contacting XXXX XXXX but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.
Consumer complaint received 2021-12-03
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: NAVY FEDERAL CREDIT UNION (AK)

XXXX XXXX XXXX  said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX  dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX get my identity info and pass it to there XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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. (NY)

in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX XXXX Bank account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXXXXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violeted my rights. 

XXXX XXXX XXXX XXXX account # XXXX has violeted my rights. 

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

15 U.S.C 1681 Section 602 A section 2 : also states a consumer reporting agency connot furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) 5 section states : no consumer reporting agency may make any report containing any of the following items of information, other than records of convinctions of crime which antedates the reort by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Fraudulent and Unauthorized card Transaction : On Saturday XX/XX/2021 I received a text message from Bank of America at XXXX  AM which isn't unusual. The text stated that my card was temporarily suspended and needed further verification to continue. I clicked on the link to verify my identity. The link took me to a website that mirrored Bank of America 's mobile online banking. I found nothing to be suspicious. After filling out the information, the website let me know verification could take up to 72 hours and to be on the lookout for follow up communication. I continued with my day as normal. I received the exact same text from the same number at XXXX PM. I found this to be strange because I was told that I had filled out the information. I panicked and walked to the nearest Bank of America to find out that my account had been wiped from an online external transfer. The perpetrator had used my information to hack into my Bank of America and my XXXX XXXX bank account. I received a fraud alert text message from XXXX XXXX that Saturday XX/XX/XXXX at XXXX AM, following a series of online purchases. And another fraud alert on Friday XX/XX/2021. Both of these fraud alert transactions were for billings outside of California. I have attached a copy of the text threads about fraudulent activity on my account. The text includes a link of the mimicking BOA website. Bank of America has denied my claim because the evidence shows that the information provided was correct and someone managed to log on and make an external transfer. However, someone used my information illegally. I have proof that the only withdrawals from this account have been ATM withdrawals until Saturday XX/XX/XXXX, when a cyber thief took all of my money and made an external transfer online because they are not me and wouldn't have been able to withdraw the money in person. XXXX XXXX has been diligently working with me and has credited my account of everything that was taken. Bank of America has not even credited me. The total damage from Bank of America, {$3200.00} were taken. I want to solve this case and I want justice to be served. I deserve my money back. I filed a police report, and want everything to be diligently checked.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX {$0.00} XXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$170.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2022-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (IL)

On XX/XX/2022, I electronically sent {$470.00} from my XXXX account to my student loan provider, XXXX. XXXX sent confirmation that the transfer was processed and gave me a confirmation number. However, when I called XXXX, they never received the money. At first, I thought I entered incorrect account information. However, according to XXXX and XXXX, the information was entered correctly. During the process, I find out from XXXX that they go through a third party for electronically processing. The name of the company is XXXX XXXX, which is part of Fiserv. XXXX supposedly contacted Fiserv to inquire about my XX/XX/XXXX payment several days ago. However, I was told by XXXX that Fiserv will not cooperate. I contacted Fiserv but I was disconnected. Frankly, I do not know what to do next because it is XX/XX/XXXX, and I am worried that they are collecting interest on my money and using that for profits. I know the interest on {$470.00} is not a lot however if this is being done to other thousands of customers, then the money adds up quickly. Please contact me as soon as possible. Thank you
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a credit balance refund. Bank of America said that they mailed the check and it was cashed on XX/XX/2022. However, I did not receive nor cash the check. Someone must steal the check and cash it. Called the bank numerous times to ask them investigate it. All they said the check was cashed and they could not do anything else. Basically, I lost {$500.00} plus and also my identity was stolen. Not sure why someone else can cash the check under my name. And bank of america did not investigate and provide me with the copy of the cashed check to see who cashed my check. I am going to the dead end with Bank of America customer service.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (NY)

I received an alert about my credit on XXXX XXXX that a collection agency had placed in collection on my credit report. I never heard of this company nor have I spoken to anyone at this company before. After seeing this, I called the company ( Sunrise Credit Service ) and they told me that for them to remove the negative item I need to pay them what's owed. I never receive a call or a letter from this collection agency notifying me of the money allegedly owe. I ask them to remove the negative item from my credit report because I was not properly notify prior to them placing this item on my credit. I would like them to remove it asap until they follow the law. They need to notify me first.
Consumer complaint received 2022-06-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (IN)

I have an Agricultural Line Of Credit with PNC Bank that was opened on XXXX. The Line Of Credit renews on an annual basis. At the time of commencement of the loan, the Disbursement Request and Authorization form stated that the annual renewal fee was to be {$100.00} ( Figure A ). The annual renewal is conditioned upon payment of the annual fee ( Paid for by Cash ). PNC is currently in the process of phasing out its Agricultural lending business. When I was made aware of this, I decided to refinance with a local bank close to our Farm. I received a payoff letter for the PNC loan on XX/XX/XXXX in which they disclosed that we owed annual fees of {$870.00} for 5 unknown years for each year ( Figure B ). The payoff letter does not designate which years the {$870.00} is associated with. We called PNC on several occasions and discussed the annual fees charges with the Loan Officer, Local Branch Manager and the PNC complaint department. Our first question was to ask when the change was made to the annual fee from the original agreement of {$100.00} to {$870.00}. PNC has not been able to provide any documentation that we were ever notified of the change, and more importantly, that we agreed in writing to the annual fee change. PNC effectively unilaterally modified the agreement without notice to us. The only document PNC has provided is a copy of a Renewal Letter dated XXXX that states : " This renewal is conditioned upon your payment of the annual fee of {$870.00} ''. I worked closely with the 3 or 4 PNC Loan Officers that were assigned to our account, over 9 years, and the annual renewal of the Line Of Credit was renewed each year, without a cash payment for the annual renewal fee, except XXXX and XXXX, see below. Going forward each year after renewal, we continued using the Line Of Credit. The only communication I received from the current loan officer, at the time, was that the Line Of Credit was renewed and we could keep drawing the funds finance our cattle inventory. 
My records show that we paid {$250.00} on XXXX and {$300.00} on XXXX, for annual fees. I also have an email from one of my Loan Officers dated XXXX stating he was looking into reducing the annual fee from {$300.00} ( Figure C ).
Consumer complaint received 2022-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

On XX/XX/XXXX I received an alert from the credit reporting bureau.. That I owed XXXX for a medical bill I advised the representative I never received a phone call nor a mailing in reference to such debt and that it was unfair to place in my report with out allowing me to look over the information. I never received a bill.. 
They had the incorrect address and the representative insinuated that I gave the wrong address.This was a car accident and I was admitted to the XXXX  They had an address Not sure how these invoices never reached me. But it was certainly not my negligence.. My insurance paid all bills as I had full coverage auto as well as medical insurance through my employer
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

A student loan collection organization known as XXXX is negatively reporting against me to credit bureaus for a student loan I've already paid off in full to a 3rd party collection agency. 'Account : XXXX ' is what XXXX uses to reference me in their system. 

A collection account was opened by a different agency, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. They directly contacted me soon after and I began to make payments towards my balance to the creditor ( notated as XXXX XXXX XXXX XXXX XXXX XXXX  ). My last payment to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I have documentation to reference my original balance, payment history, and now cleared balance. I will attach what I can now, please let me know if any additional documentation is needed. 

XXXX continues to hound me for payment on this already paid loan, my primary goal is to have them withdraw/close any open account they have reporting to any credit bureau, and to potentially seek legal action for reparations for leaving my credit score at a disadvantage.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FlexShopper, Inc (DE)

On XX/XX/XXXX, I revoked ACH and Debit Card Authorization for Payment on my Flex Shopper Account. On XX/XX/XXXX, I received notification from Flex Shopper stating I would have to call them regarding that matter- which I did. On XX/XX/XXXX, I received a Text from Flex Shopper stating they attempted to receive payment from my Checking Account unsuccessfully. I emailed them again, stating I had revoke authorization so an attempt to collect payment from that account shouldn't have been attempted. On, Flex Shopper took payments totaling {$12.00} from my other Check Account ( which I revoked ACH and Debit Card Authorization as well ). I contacted them on XX/XX/XXXX, confirming that I had revoked ACH and Debit Card Authorization. On XX/XX/XXXX, I received an email stating I would have to call a Representative again- which I did. Lease states that XXXX XXXX has to be done via writing which is why I submitted the emails. All future payments ceased until XX/XX/XXXX. On XX/XX/XXXX, 4 payments totaling {$51.00}. I contacted Flex Shopper via email and phone regarding the transactions since I had revoked authorization. They stated that they would put a ticket in to investigate and stop any additional charges. On XX/XX/XXXX, another payment of {$10.00} was removed from my Account that I had revoked authorization. I called and emailed Flex Shopper once again, to stop any additional payments to be removed and to get the unauthorized amount ( totaling {$62.00} ) be credited back to my account to avoid potential overdrafts. Representative said the payment came outXX/XX/XXXXXX/XX/XXXX because I just submitted the revocation XX/XX/XXXX and I had to give 3 Day Prior Notice. Informed, once again, that I submitted revocation on authorization on XX/XX/XXXX and if I had no prior knowledge of the payment coming out on XX/XX/XXXX or XX/XX/XXXX how could I notify Flex Shopper 3 Days in Advance. I have a meeting with my Bank this afternoon to dispute the charges on my end. When communicating with Flex Shopper, they kept talking in circles. The lease agreement says the XXXX XXXX has to be done via writing but when that is done they request a call and when you call they say the Revocation wasn't submitted in writing. Plus, they're trying to say I revoke authorization on XX/XX/XXXX when I revoked on XX/XX/XXXX. Furthermore, when I asked to speak to a lead supervisor, I was told there wasn't one available but they would send a ticket in which could take several days ( specific dates changed based on who I spoke to from 3 - 10 Days ) and was unwilling to resolve the issue and acknowledge the revocation. Please advise.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (MN)

XX/XX/XXXX i called and said to take my number off the list. 
They have called everyday since XXXX They keep acting like I have debt to pay them but I filed XXXX XXXX bankruptcy XXXX years ago. I have no debt to anyone and they continue to call me. I feel that they are trying to steal info and commit fraud or scams.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com. PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 

Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of no nexistent damages.There was no damage to PayPal and I believe their claims are false. 

All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction XXXX of total {$2000.00} XXXX - XX/XX/2022 at XXXXXXXX XXXX PST. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, theyhave failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. 

I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you, Best Regards