davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-19
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: BANCO POPULAR DE PUERTO RICO (NJ)

I disputed the account in the amount of {$580.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now on my credit report they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that.
Consumer complaint received 2019-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I traded in a car in XXXX that I had for a few years and came across a vehicle that I liked. I thought I was going to get a new job and would be getting better pay, but for the past few months I have been struggling to pay my car note.. I understand I had negative equity which made my loan high. My car that I am financing now isn't worth the loan.. I tried to lower my payments with the company but they told me to come in and I can put more money down. It is frustrating because for that I can just make a down payment on my loan. The company does not understand I can't refinance this loan because every company says my car isn't worth the value and the amount ... At the end of the day I feel like I was pressured.. I sent an email in XXXX within the second week to the owner about returning the car but someone emailed me to come in with more money and they can revalue my car which is a waste of time..
Consumer complaint received 2019-10-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (WI)

I have sent 2 letters to the payday loan company as well as to the debt collector company letting them know I never received a loan with their company and that my identity was stolen. Today I received a letter in the mail saying that the debt is valid. The debt is not valid, I never received a loan from this company and I never signed anything to receive a loan from this company. This company is trying to sue me for something that does not belong to me.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was given a Bank of America card through unemployment and my money was stolen from it. I called the police and filed a report and called the bank the next morning. They supposedly filed a report but kept giving me the run around. I eventually gave up. Years later I want my money back but I don't have the original claim number. I have the police report and my social and everything else but they say a claim wasn't filed when I spoke to number out people about getting my money back. XXXX XXXX the operations analyst is the last person I spoke to. He says he can't help me without that initial claim number and my case will close in a couple days. Please help. I thought banks were federally insured. Thank you.
Consumer complaint received 2019-10-19
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. (NJ)

Experian is another problem with my credit reporting they have not boosted my score in 6 months on my XXXX bill and also internet with XXXX? I have thru my debit card or bank account XXXX XXXX. XX/XX/2019 was the last time they reported my boost Experian boost? Also they are and the other bureaus are reporting a late charge but not telling me were it is coming from. I just reopened my account with Experian XX/XX/2019
Consumer complaint received 2019-10-19
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: Experian Information Solutions Inc. (FL)

I am disputing recent fraudulent inquires that was not authorized by me and due to this. I received several security alerts and have observed this on my credit report. Due to prior fraud, being a victim of fraud from data breaches with XXXX in XXXX and also in XXXX. My personal information/ banking information, social security, address, name and employer information was exposed all over the dark web and also with the latest data breach with XXXX XXXX. I am requesting for the following unauthorized inquiries below, to be DELETED from my credit file by Experian. Which were all done back to back to gain access and credit was not extended due to fraud. 1. XXXX XXXX ( XXXX ) XX/XX/XXXX, 2 ) XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and XXXX XX/XX/XXXX. Also XXXX XXXX was deleted by XXXX and XXXX due to fraudulent activity proven to both credit bureaus. I am requesting also for the account mentioned above to be deleted above for the same reason. As I have no knowledge and not responsible for this account.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

On XX/XX/2019, my husband XXXX and I were required to close our previous checking account number ending in XXXX due to compromised identity of our checking account. We established a new account with the same bank, and as an extra security setting, we removed auto pay for all of our utilities and mortgage payments. In turn, a payment of XXXX was denied on XX/XX/2019 to Carrington as the revocation letter of the ACH didn't have time to arrive before the payment was processed. In turn, 2 checks in the amount of {$500.00} were mailed and cleared on XX/XX/XXXX and XXXX to cover the mortgage payment. These checks were sent by BillPay through our banking for security reasons. However, on XX/XX/2019, an ACH of XXXX was withdrawn from our NEW checking account without any approval. When verifying the checking account Carrington had on file, it shows as XXXX ( old closed account ). 

On XX/XX/2019 a dispute was filed with our bank of unauthorized ACH and began the process of getting the payment of XXXX refunded as this resulted in over draft fees. In turn, the bank also showed where Carrington directly requested funds from our new account, and not the old XXXX. At no time nor place, did we authorize Carrington to use our new checking account for any ACH withdrawals. They took the account number from the bottom of the checks mailed to them with our payments.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I tried to sign up for a loan from XXXX and they kept denying my application. They said the credit report was an issue. They check with XXXX. I called XXXX to get my free annual credit report. They said they could not verify my identity and were unable to locate my credit file. They asked I fax my SSN card and drivers license to them with a cover page explaining this issue. I sent them the fax and waited about 10 business days. I received a mail saying that they still havent been able to locate my credit file.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an offer from Bank of America called accessing your credit is as easy as 1-2-3. It allowed me to use my credit card line of credit to obtain cash to pay off other credit cards. I used one of the checks included and deposited it in my Bank. I used the money to pay off my higher credit cards. On the Band of America credit card statements, I noticed that I am being charged a 21 % rate instead of the promised .99 % rate so I called the company to resolve the issue but I was told that the checks can only be used for balance transfer and they need to be directly used to pay off the credit cards. I looked at the BoA offer and it clearly stated that I can use it for anything I want in step 1 of the 1-2-3 easy-access advertisement. I used similar offers from other Banks in the past and I always deposited the funds in my Bank, as a customer I feel BoA is scamming its customers. I have lost over {$1100.00} dollars.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OR)

Both XXXX  and Experian are not providing a credit report on XXXX Experian 's response is : " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX XXXX. '' XXXX  's response is : " Internet Delivery Unavailable - Mail-in Request We're sorry, for your protection we are unable to deliver an XXXX  Free Annual Credit Report over the Internet. 
Request by Mail To request your Free XXXX Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' Both companies make it extremely cumbersome to get a credit report, which is against what FCRA is all about. 

Please help
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There a numerous hard inquiries on my report for Auto Loans from the year 2017 and they were all made within 14 days of each other. These types of inquiries of the same nature should be shown as one inquiry however they are coming up individually. According to the FCRA this is incorrect reporting and violates the consumers rights. I would like for these hard inquiries from 2017 to be removed. Starting XX/XX/2017 to XX/XX/2017. 

There are also hard inquiries that reflect I requested credit from them, XXXX. XXXX and XXXX and XXXX. I have never requested credit from these people. They should be removed from all credit reporting bureaus.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.
Consumer complaint received 2019-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX and Experian show 2 closed charge off accounts on my credit report. XXXX shows an open, re-aged account as of XX/XX/2019. I do not have ANY open accounts with XXXX XXXX. They are reporting incorrect and missing information. They have also listed the accounts as a profit loss and have wrote it off as bad debt but are still claiming a balance of these accounts. I disputed the information with XXXX, Experian and XXXX on XX/XX/2019. Subscriber reports dispute resolved - consumer disagrees was the result with the Bureau 's and XXXX XXXX not providing any proof of validation. The investigation was completed. The negative sill appears on my credit report. 
Their improper procedures are highly damaging to my credit score.  Please immediately delete these accounts.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management is fraudulently reporting 3 separate alleged debts on my credit report as being a Factoring Company Account which they are not. I have never entered into relationship or agreement with Midland Credit Management at anytime or in any way. This is an attempt by them to skirt the FDCPA and is a violation of the FCRA and other applicable federal and Texas state laws. According to the CFPB Consent Order File No. XXXX dated XX/XX/2015 Midland Credit Management is a covered person and a debt collector and is subject to FDCPA. By fraudulent listing my account as Factoring Company Account they are making a false representation and committing gross fraud in an attempt to skirt FDCPA and FCRA laws. This is unacceptable!
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/2018, XX/XX/2018, AND XX/XX/2018. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.
Consumer complaint received 2019-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2019 I received a payment in the amount of {$590.00} into my PayPal account. On XX/XX/2019 I received another payment for {$12.00} and the final payment of {$290.00} on XX/XX/2019. 

I made several attempts to withdraw the funds from Paypal to my bank account and all the transfers were denied. Paypal requested copies of documents verifying my identity. 

On XX/XX/2019, I provided a copy of my drivers license, phone bill showing my current address, and a pay stub showing my current address and my social security number. 

On XX/XX/2019, I received an email from Paypal advising that my appeal had been denied and that they were holding my funds for 180 days with no explanation. They offered me the option to refund the money to my " buyer '' and explained how to process this refund in the email. When I logged into my PayPal account, there was no option to refund the money and no other information explaining the reason for this unjustified hold. 

I spoke with a PayPal representative on XX/XX/2019 who advised that she could not provide me with any information for the reason for the hold, and there was no way to have my funds returned to me. I advised that I would be filing complaints with the regulatory agencies governing PayPal as this hold is unjustified and untenable. I do not sell services or products online, I do not have any chargebacks or negative feedback, I do not owe monies to Paypal, and I did not receive the payments as a result of a product sold. 

They advised that I could not speak with a supervisor and that this hold and account closure were final. 

On XX/XX/2019, I sent an email to Paypal 's executive team and the appeals department advising that if my funds were not disbursed to me by XX/XX/2019, I would be filing a complaint with all applicable regulatory agencies and I offered them the ability to cure of which my emails were not responded to.
Consumer complaint received 2019-05-30
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 (NY)

On XX/XX/XXXX attempted to us our Bank Of America/Visa Credit Card only to find out the card was closed. The card is seldom used and is payed on time every month by phone. We contacted the company and was informed that due to the Patriot Act they need follow up information ( employment and citizen Info ) and that they had been trying to reach us by phone and mail. We have not received any mailed correspondence and when we inquired about the phone calls, they informed us it was an automated machine that would not leave a message ( which I thought in its own right to be illegal ) .We also had contacted them every month, since XXXX when they claimed to have been trying to contact us, via phone to pay our bill without once having been informed that they need information for the card. The company then stated they closed the account/card because they did not have the information and when we wished to have the account re-opened they would not give us the same interest rate. ( 6 % ). We have been customers with this company since XXXX. We do not use the card often and feel that the account was closed due to the unusual low interest rate.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Checked my XXXX  credit report and found that Credence Resource Management had flagged my account on XX/XX/19 for collections, saying I owe {$530.00} from XXXX. I have never received any documentation from either company, account was paid when the number was ported out to another company and all devices either paid in full or not purchesd from the company. I also have tried to send a certified validation of debt letter to Credence via the address provided on my credit report as well as XXXX when I search the company name and United States Postal Service informed me that the address does not exist. So now I have no way to formally contact the company.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I open an account with XXXX XXXX on XX/XX/XXXX promotion ended XX/XX/XXXX. I called 6 months prior asking about the end date of the promotion and was told that I have another year to pay off the balance. When I checked my account on XX/XX/XXXX and noticed a interest finance charge for the amount of {$1700.00}. I've spoken to XXXX XXXX/commenity bank and was told even when I first opened my account that the payment structure is an amortized payment. After speaking today XX/XX/XXXX XXXX a supervisor he advised the information given to me was incorrect and that I should have reviewed my statement and I can never just go off of what a employee provides to me. I think that sounds ridiculous but I digress. Please remove the charge and I will pay the balance in full. I'm currently going through a housing purchase ( in escrow ) and this could affect my eligibility. If I knew that charge was coming I would have paid off the balance. I can provide proof of funds to prove this statement as well. 

Please consider
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I logged on to Experian to dispute a collection on my report. Upon logging in, I checked my alerts and I noticed that there was a personal message ( which I did not type ) which stated : " A fraud alert has been placed on your EXPERIAN Credit Report. 
A fraud alert notifies potential lenders who view your credit report to verify your identity before granting new/additional credit. 
Alert Details : Alert Date : XX/XX/2019 Source : EXPERIAN Consumer Statement : XXXX & XXXX-19 XXXX ID SECURITY ALERT : Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first verifying the identity of the applicant. This security alert will be maintained for 1 year beginning XXXX-19. Is anything incorrect? Visit Dispute Center '' Upon visiting the dispute center, it does not allow me to dispute anything and tells me to call Experian. I called and spoke with XXXX, who was extremely impatient, disregarded my crisis, told me to upload some documents. I asked him to stay on the phone for which he had an issue and as I predicted, the upload failed as soon as he hung up. Online uploading shutdown and I was notified on screen to call another number. That number was just voice recording and i was told I have to do a mail in. I am trying to get a car-my partner is XXXX and we need to be able to be mobile for his doctor visits, prescriptions and in case of emergencies. 

I am completely shut off from my own credit report and the dispute process and the timing couldn't be worse. Who gave them the authority? I want to know who made this decision and why and how come no one informed me?