davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (AR)

My name is XXXX XXXX XXXX from XXXX Arkansas while on vacation in XXXX New Mexico and shopping at a mall on XX/XX/XXXX I was spending money on my kids. I have XXXX children XXXX girls and XXXX boys. After XXXX spending {$2700.00} my PayPal XXXX XXXX Account was imposed by " account limits '' requiring me to upload documents to verify my identity. I did that before I left the parking lot at the mall. For days I messaged customer service to advise why the limits had not been lifted. Never one single response until Saturday afternoon I got a notification that PayPal was closing my account with a CASH BALANCE OF {$8000.00} AND THEY WERE HOLDING MY MONEY FOR 180 DAYS ( 6 MONTHS ) AND THEN I WOULD GET AN EMAIL EXPLAINING HOW I COULD TRANSFER MY MONEY! That's pure theft! 
My PayPal account : Email is XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX Arkansas. XXXX PayPal XXXX XXXX Account MasterCard Debit XXXX XXXX XXXX XXXX Valid until XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (GA)

I submitted an application for a lease through XXXX XXXX XXXX, XXXX and my application was denied. Confused, I looked further into the matter and found that CoreLogic, LLC is reporting 4 evictions and an open judgement from 2018 on my profile.

As instructed by CoreLogic, LLC, I obtained all records from the Clerk of Courts for XXXX XXXX who confirmed there are no open judgements against me and the one record they had was dismissed. 

The clerk provided a copy of all records they have for my name and notarized it with the Court 's Seal to prove authenticity. 

I provided this information to both the leasing agent and CoreLogic to no avail. XXXX, a Supervisor for CoreLogic, assured me that he was escalating this matter with their internal team. He stated this matter would be resolved Friday, XX/XX/XXXX. 

I called back today and he is attempting to challenge the authenticity of the documents provided by XXXX XXXX XXXX. 

XXXX of CoreLogic shared that they handled 98 % of all rental applications. My current lease is up XX/XX/XXXX. This clear violation of the FCRA Act is barring me from securing shelter for my family. 

I want to pursue this matter to the fullest extent of the law. CoreLogic, LLC is currently under litigation regarding this very same issue. CoreLogic needs to be held accountable or to the same standard as the big 3 credit bureaus. If they are going to report information that determines someones creditworthiness or approval, they should be providing the most accurate information and have a system established for verification. 

I went so far as to provide the link to the XXXX XXXX Court where they can search for my name and pull up any records associated with my name. They have refused. This has not been an issue for me since the Judge dismissed the case but it's coming up now.

CoreLogic has refused to remove this negative reporting from whatever profile the are illegally associating with my XXXX
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (KS)

I decided to use the chat service in Discover cards app because I needed to dispute a transaction from the week earlier. The first rep seemed like they were disputing it for me there was around 20 mins of nothing in the chat. She then comes back says they treat chats like emails and get back to who they want when they want and she wasn't going to dispute my transaction because it was a service. I pointed out the difference between a service and merchandise and asked for a manager. A manger did not text back for 8 hours and said they were not going to dispute my transaction and I had to go back to the merchant that already did not help. I pointed out on their own credit card resource page it says the FTC requires disputes in certain cases and I have disputed such things before with them since I've had the card for almost 15 years and was successful. She said she would not dispute my transaction from XX/XX/2019 because she determined it not to be in my favor personally. As I understand disputes are required to go through a process where they are clearly documented. I do believe this is a violation of consumer protection laws and needs to be investigated. I know interest rates are dropping on credit cards and in turn making their profits slimmer but taking away consumer protections is not the way to do get bigger profits. I have attached screen shots of the chat where the representative and the manager refused to file my dispute for me.
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (SC)

XX/XX/2020 I received an alert that unknown account from Jefferson Capital Systems was reported to my experian credit file. I have been a victim of identity theft and have zero knowledge of the debt in question or the company reporting it. I have included a copy of my police report of previous crimes against me.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bayside Credit (CA)

Bayside credit repossesed my car last year because two checks bounced and the day they found out they reposssesed my car. They said they called me first, but did not. It cost me XXXX $ to get my car back two days later. I dont see how this is legal and if it isnt then they should be held responsible and held up to whatever the law says to be the consequences. 

Then 1week ago they put on my credit report that my account is closed. I still owe them XXXX $ and have made every payment on time. It also says that I have never been late on a payment and my account is in good standing. This company, especially the guy named XXXX or XXXX in the collections department has threatened me over the phone with repossession numerous time and have called my family members and people not on my reference sheet. I know this is illegal. I would like Bayside credit to rectify the mark on my credit report and if they have broken the law I would like them to be held to the penalties afforded by the law.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is a follow-up to the previous complaint against Transunion but, under employer information it is blank and I also wanted to know if on my public record I could put that I was laid-off twice for my job history.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (HI)

The company had set return fees on amounts not taken out of the account on the due dates and taken it out of cards stating there were no funds on the account when I called the cards associated with other banks and there were funds on the account. This resulted in fraudulent credit reporting and my credit to go delinquent. This has been happening since 2017 and I am still paying {$40.00} a month under a settlement with Barclays Bank.
Consumer complaint received 2021-05-22
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: EQUIFAX, INC. (TX)

I mailed my dispute to XXXX to remove or verify negative accounts listed on my credit. XXXX has been reporting negative items that have caused a lot of harm to my credit. I called and mailed the companies that are negative ; XXXX said the account balance is {$0.00}, so why is it listed as {$240.00} on XXXX? 

XXXX can not verify anything because they dont have a contract or any other verifying information, I have requested it over five times ; however, I have not received anything proving I opened an account with this company. I also asked XXXX  for the information that was used, that request has been ignored every time. 

Equifax and XXXX have did their due diligence and removed these fraudulent accounts. XXXX keeps lying to me and stating that they verified the information and its accurate. That is impossible due to the facts I have gathered. 

This proves that there never was an investigation and violates my consumer rights. 

I called XXXX and the rep hung up in my face. My Fraud Resolution Specialist has not helped and does not answer my calls and emails. I asked for a different person to be on my case and XXXX told me someone would be calling me. No one ever called. I have written several letters that go ignored, at this point I will have to file a lawsuit to get a fair investigation. 

Equifax has also ignored me several times and lied on the phone saying I could upload supporting documents online and that they cant accept any faxes. You can not upload anything online. But you can find the police report listed here to help you out with the investigation. 

Im tired of my disputes being ignored by the credit bureaus. They have ruined my life.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear who may be concern, My name is " XXXX XXXX XXXX '' .I request investigation on those items I list below as they are inaccurate and not belong to me. 
If inaccurate, they must be removed in order to show my true credit history, as these items should not be on my Credit Report. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All of these name above are incorrect, The most accurate name would be report is only " XXXX XXXX XXXX ". 
**Employment info** _XXXX XXXX XXXX XXXXXXXX XXXX XXXX These employment information is not mine, please delete it. 
**Addresses Reported** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These address is not mine and incorrect. I have listed proofs of my current address in the attachment below. 
**Credit cards** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any loans or credit from this company. Please delete it!! 
_ XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, Please delete it or provide me full documentation. 
_XXXX XXXX Reported : XXXX. XXXX, XXXX This account state that I have lated payments on XX/XX/XXXX, XX/XX/XXXX. However, I never late and paid on time. Please update payment agree. 
**Other Loans** _ XXXX Reported : XXXX. XXXX, XXXX I never used XXXX service. I have been using XXXX for years. I have attached my proofs payment with XXXX I don't own XXXX any money. Please delete!!! 
**Account** XXXX Inquiry : XX/XX/XXXX This account isn't mine, delete it!! 
**Account** XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I never receipted any loans or credit from this company. Delete it!!
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

Commonwealth Financial showed up on my credit report as a delinquent debt owed. Called the company and the only way they can look up the information is with either your account number or SSN. Since you don't own the account there is no way to know this so you are forced to give them your SSN. They hung up twice on me and said they will file a dispute claim but this should have never happened in the first place because the debt is not mine! I spoke with XXXX XXXX at Commonwealth Financial and he informed me the debt was from XXXX XXXX hospital in MI ... I have never been there.
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Credence Funding Corporation (MI)

I refinanced my mortgage through Credence Funding Corporation of XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. We closed on XXXX. The first payment was due on XX/XX/XXXX. I was XXXX   in XXXX and sent my payment to Credence Funding on  XX/XX/XXXX they cashed my check for {$820.00}. I then received a notice that my mortgage had been sold to XXXX XXXX XXXX  XXXX XXXX, IN XXXX. The funds from my first payment has never been transferred from Credence Funding to XXXX XXXX. This has resulted in account being late every month. I have a copy of the cashed check by credence. I am hoping someone can assist me in getting this straightened out. Thanks in advance. 

XXXX XXXX
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a special promotion loan from Capital One bank. This was for a period of 18 months with no interest until the period was complete. Unknown to me the period of no interest ended on XX/XX/2019. The problem was there was no mention of this ending on that statement. Had the company let me know somewhere on that statement that it had ended,I would have paid off the balance with no interest. However the XX/XX/XXXX. statement came and showed interest due for $XXXX.I feel this is an underhanded way to do business and is very unethical. I contected the company and asked them to remove the interest charge. I spoke to a supervisor and was refused . I phoned a second location for the bank and spoke to a senior supervisor and he also said he could not remove the charge. I explained that I was an old and very good customer for years. This made no difference to them. In all my dealings with credit in the past I have never run into a problem like this.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OK)

XX/XX/2020- My vehicle loan was paid the remaining XXXX XXXX   balance. I was informed it could take 7-10 business days to reflect as paid and closed on my credit report. I understood. 

XX/XX/2020-My phone app reflected the payment on my account, however, still was not showing as paid on my credit. Spoke with Ally on their webchat and was advised it would day 3-5 business days as they were slightly behind due to COVID-19. I understood. 

XX/XX/2020-Still no change to my credit report, contacted Ally via phone and was advised they would send an email to expedite my account being reported. I understood. 

XX/XX/2020-Still no change to my credit report. contacted Ally and stressed the importance of getting this rectified as I am trying to get a house and this account is causing some issues. I was advised it would take another 3-5 business days for them to expedite it ( again ) and she would send me a letter by mail stating it was paid in full so I could show the housing company as we waited for it to go through to credit. 

XX/XX/2020-Still no change to my credit report, never received the letter of paid in full status. 

XX/XX/2020-Housing company could not hold off on my application any longer and ran my credit. 

XX/XX/2020-Filed an online dispute with XXXX  in hopes that it would prompt Ally to update my account with accurate information. ( Dispute still pending as ofXX/XX/20 ) XX/XX/2020-Housing company denied my application because my debt to income ration was not accurate because Ally account is still showing as open and outstanding. 

XX/XX/2020-I checked my mailbox again for the letter, it was not there. Contacted Ally and asked for a supervisor. I was advised there was nothing they could do and was given another 7-10 business day response. It has been almost 3 months since this has been paid and now this is severely impacting my life by them not accurately reporting my account. I was told by the supervisor that they have not reported many accounts so I may not be the only person being impacted by this. 


I am currently XXXXXXXX XXXX XXXX and I NEED this house before they arrive. My apartment is not large enough and I can not do anything because Ally is stonewalling me with timelines that, in my opinion, are wrong. It has been well over the 7-10 business day timeline they gave me since the beginning. Now I will have to have another hard inquiry on my credit when I have to reapply for a house all over again once Ally does the right thing. 

When I attempt to log into my account to obtain the proof of payment, I get an error message. " You can't view the details for your closed vehicles accounts anymore. '' So they've marked it off in their system but refuse to report it to the credit bureaus.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

XXXX $ was sent to XXXX XXXX via paypal half of the money owed for a puppy. I talked to a XXXX XXXX on XX/XX/XXXX to purchase a puppy that was posted on a XXXX XXXX XXXX  page. He had me send XXXX $ with PayPals fees it came to be XXXX. He sent us an address that lead us to XXXX XXXX  which was XXXX hours from where i live. After we got to the address, knocked on the door a women who had no idea what was going on, nor was selling any dog. I relaxed i had been scammed so of course i tried calling him back and the phone number had been turned off and tried to contact his email and he didnt respond so i tried to dispute it with PayPal and they said case closed REMITTANCE ISSUE. With that in mind i still have not received my money back. WE NEVER GOT THE DOG AND WASTED XXXX hours out of my day amongst XXXX $ in gas to go get this dog which AGAIN WE NEVER GOT THE DOG! Im trying to get my XXXX $ back!! The guy never responded back
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Butler and Associates, PA (KS)

I called on XX/XX/2020. I gave them my birthday last 4 of my social and address. they said this was still not enough to pull up my information. Refused to tell me what I owe. Esculated to a supervisor and was told I was the one being rude. Was told they were a law firm and this is the law.
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY CREDIT REPORT. 


XXXX XXXX XXXX XXXX XXXX- XXXX ( {$350.00} ) XXXX  XXXX XXXX XXXX ( {$5200.00} ) I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THESE ARE NOT MY ACCOUNT.
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$480.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$620.00}
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (PA)

I have never received any documentation from LVNV funding, and now during a pandemic I am getting my wages garnished by them, yet I have never ever ever been served with legal paperwork. I do not even know who LVNV funding is. This is the most awful thing to ever happen to me and it's happening during a pandemic! Please Help me! Please!
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$480.00} XXXX XXXX {$590.00} XXXX XXXX  XXXX {$620.00}