davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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: Paypal Holdings, Inc (MD)

InXX/XX/2023 I received items from merchant XXXX that did not match the description on the website. Initially, the company was unwilling to provide a return shipping label to me so I could mail the items back. However, I was provided a shipping label on XX/XX/ and the items were successfully shipped back to the merchant. The dispute with this merchant is STILL in limbo between PAYPAL and PAYPAL CREDIT ( XXXX XXXX  ). XXXX XXXXXXXX XXXX, the dispute was CLOSED on XX/XX/. However, the case is still OPEN in the PAYPAL system and has NOT been reviewed since XXXX. I EMAILED PAYPAL with the CLOSURE LETTER I received from PAYPAL CREDIT ( XXXXXXXX XXXX ) **THREE TIMES** yet the case remained OPENED and UNRESOLVED. I have contacted BOTH PAYPAL and PAYPAL CREDIT and NEITHER company has been helpful. Each representative points the finger at the other and I was left with no resolution. I have been hung up on REPEATEDLY and spent HOURS on hold seeking resolution. I explained to MULTIPLE representatives AND managers that there appears to be a glitch in their systems which is holding up the resolution of the case, but NEITHER company offered assistance to fix this issue and its been ongoing for over 2 MONTHS now. I even asked PAYPAL CREDIT XXXX XXXX XXXX  ) to stay on the phone with me and help facilitate a resolution with PAYPAL. Instead of assisting me with the issue, the representative placed the call BACK IN QUEUE and I had to go through the prompts all over again!! XXXX has already agreed to refund my money ( {$220.00} ) once the case is CLOSED. However, since its still OPEN in the PayPal system, they are unable to move forward with processing the refund. PAYPAL and PAYPAL CREDIT ( XXXX XXXX ) need to get it together and ensure their systems are updated and capable of addressing consumer issues. Im annoyed and dont want to do business with ANY of these companies going forward. Poor leadership, poor processes and poor controls! 

I DO NOT HAVE ANY OF THE ITEMS I PURCHASED AND THE COMPANY HAS YET TO PROVIDE ME WITH A REFUND. This case is STILL open and the PayPal Inc system has NOT been updated.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OK)

XXXX XXXX bought from PayPal years ago I guess is trying to get money an just sued an put a judgement on me in which Ive never opened an account in XXXX of XXXX for PayPal an Ive told XXXX XXXX states that they sent letters to me but I never got anything in the mail from this company I didnt XXXX  anything about this account being opened until the end of XX/XX/XXXX when a guy showed up an gave me a paper. Ive tried numerous times to talk to these people but I get nowhere plus when they did finally send me the charges from a lawyer which was Saturday XX/XX/XXXX I dont recognize anything on those papers but yet its showing small amounts here an there on a few occasions that payments came from my checking account using my credit card in which that credit card was hacked into this is someone elses doing I even tried to login to PayPal Ive XXXX PayPal XXXX they told me I have never had an account with them an I never had I really dont no what to do an now theres charges an a lot of interest that has been added along with XXXX  my credit. I was told if I dont have proof from these XXXX  lawyers then I cant prove anything an Ill have to pay everything an then some thing is is I dont have any proof to help at all.
Consumer complaint received 2023-10-31
Product: Credit reporting 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 under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-23
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: OneMain Finance Corporation (NY)

Never opened these accounts need these hard inquiries off asap. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX
Consumer complaint received 2022-04-12
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. (AL)

In accordance to Fair Credit Reporting Act XXXX XXXX, account number XXXX, has violated my rights, XXXX, Transunion, XXXX *15 usc 1681 section 602 ( a ) states I have rights to privacy *15 usc 1681 604 ( a ) section 2 : consumer reporting agency can not furnish report w/out written permission *15 usc 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt *15 usc 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt note : the open dates on the acct are different XXXX XXXX Equiifax XX/XX/20 ; balance & high balance contain errors that with knowingly cause an adverse action *15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (IL)

Hi, I opened a Credit Card with Avant on XX/XX/XXXX for {$300.00}. My very first payment was due on XX/XX/XXXX and was due on the XXXX going forward. I always logged on to their website Avant.com and made my monthly payments. I even saved the website in my favorites. I continued to make my on-time monthly payments from Avant.com ... I go to log on to their website like I normally do and their website is down and won't let me log on. It said, " Uh oh, were experiencing a problem. ", and that they were having an unplanned outage. So, I figured I'll just check back tomorrow. This went on for a week or so ... after that, I said I better just call in and make my payment. I talked to their representative and explained the situation. I gave them all my pertinent information - first and last name, email, last 4 of my social etc... they claimed that I have no account with them. I also gave them the customer ID # that I received when I couldn't log on to their website where I made my monthly payments. I spent 3-4 hours on the phone getting absolutely nowhere and them saying I do not have an account with them. I told them I've had an account since XX/XX/XXXX and have been making successful payments until the XX/XX/XXXX payment, so how is that possible? I said I need to make a payment over the phone and they refused to take a payment since according to them I have no account all of a sudden. I said I better not get any lates on my credit report. I even asked for their Manager/Supervisor and they refused to put me through to one... they even said one would call me back and I never got 1 call! I am XXXX XXXX XXXX and have never experienced something like this in my life! I must have 12 credit cards open at the moment and I'm never late, and now they have marked 90 day lates on my credit report over a minimum payment which is ridiculous! I've never experienced such incompetence on a credit lender such as Avant and an unwillingness to let me speak to someone who can help me. I even reached out to several lawyers asking for help and they told me to file a complaint here. Avant has destroyed my credit and has costed me thousands from being turned down for loans and creditors lowering my credit limit from Avant 's late reporting. I'm going to attach what their website said when I went to make my XX/XX/XXXX payment and also include all my payments from their website at Avant.com.

Thank you for your help! It's much appreciated!
Consumer complaint received 2023-10-05
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-27
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: AMERICAN EXPRESS COMPANY (RI)

I was appointed guardian of my father 's property in XX/XX/2019. 

Earlier this year, my father was manipulated by individuals he met on the internet to open credit card accounts with American Express. When I discovered this, I sent letters to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of this year, providing a copy of this court order appointing me guardian of his property, and providing a copy of the court order determining XXXX XXXX limited incapacity. 

Under the terms of these court orders, XXXX XXXX is not capable of exercising the following rights : XXXX. To enter into contracts 2. To manage property or to make any gift or disposition of property 3. To sue and defend lawsuits The letters also confirm that, as my father 's guardian, I did not authorize the opening of these credit cards and did not authorize any of the charges on these credit cards.

I have asked that American Express send a written response within seven ( 7 ) business days that includes : 1. A list of all accounts opened in XXXX XXXX name, the charges on each account and the dates of each charge on each account. 

2. Confirmation that the outstanding balances on all accounts have been cancelled 3. Confirmation that all accounts have been closed 4. Confirmation that the company has not made any negative reports regarding my father and these accounts to any credit agencies.

5. A list of all usernames and email addresses that have ever been associated with online access to any of the accounts Because I am the guardian of my fathers property, I've also requested that American Express stop sending business correspondence regarding these accounts to XXXX XXXX and send all such future correspondence directly to me. 

Most recently American Express has sent a letter dated XX/XX/XXXX to my father notifying him that a balance on an account has been referred to XXXX XXXX for collection. The total outstanding balance listed is {$8000.00}.
Consumer complaint received 2021-01-16
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. (GA)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
SOXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX has violated my rights. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 
XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States | 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. I did not give anyone written instructions to report any unlawful information on my consumer reports.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

We submitted a complaint to the CFPB on XX/XX/XXXX regarding a servicing issue with Carrington Mortgage ( Complaint # XXXX ). Carrington Mortgage refused to use borrower 's pay stub to calculate income because pay stubs did not have year to date income totals. We sent a written response to Carrington from the borrower 's employer on the employer 's letterhead providing those year to date totals. On XX/XX/XXXX Carrington provided a response to the CFPB saying they needed more time to respond but sent a notice of cancellation dated XX/XX/XXXX to the borrower. However the CFPB has not received the same correspondence from Carrington Mortgage stating the file is canceled because the file remains open according to CFPB records.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC (NV)

I applied last XX/XX/XXXX to refinance to take advantage of low interest rate. I file the application online. The loan officer ask for some documents needed and I submitted it. They even said that we will be closing the loan on XX/XX/XXXX. I keep on waiting and I didn't hear anything from them. So I called the loan officer to follow up and told me that it is forwarded to Underwriting. I waited again and never heard of any updates. So I called the loan officer again to follow up. Then all I know they pass me over to another person then e-mailed me to introduce themselves and asking documents that I already sent. XXXX comes and I am expecting for the signing to close of the loan. They hand me over to another person and asking same documents that I already submitted and telling me that we close the loan on XX/XX/XXXX or sooner. XX/XX/XXXX came and pass me over to another person and asking some documents again and I really XXXX and told her why keep on asking same documents which I already submitted from the very beginning of my application. She told me that it already expired. Of course it expired because the process was moving like a turtle. So I submitted again documents she's asking and told me that we'll signing the documents for the closing. It is recorded. The schedule of the Notary to come over to my house is XXXX XXXX  pacific time today XX/XX/XXXX. Now it's XXXX and nobody showed up. 
Hoping for your kind consideration cause I am so frustrated with this XXXX XXXX. I've been buying homes and doing refinancing and never in my experience this kind of situations. 
Thanks
Consumer complaint received 2021-01-16
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. (OH)

Looking over my credit report and notice there are some accounts that are paid in full and some that aren't mine. I've included the accounts below that I'm disputing that are impacting my credit report negatively : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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: Southern Management Systems Inc. (WA)

I'm XXXX XXXX, and I need your help to get in touch with this company. I tried to contact them to find out why someone had created an account in my name. I regret that my credit report is now being affected by this very serious matter. I refuse to allow anybody to use my name, date of birth, or any other information since it also violates the privacy of personal data. They must find out who opened the account in my name and just give that person my information. Kindly help me with this matter.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have asked to remove the XXXX XXXX XXXX XXXX account from my credit report and I have sent the evidence to TransUnion where the creditor reports a balance of {$0.00}, but they have not investigated and continue to report the information on my credit report that is not verified and it can even be considered false ( I attach the letter from the creditor ). But TransUnion continues to say that there is an outstanding balance.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (VT)

XX/XX/22 XXXX XXXX XXXX  I received email from Toyota Financial Services with a verification code and instructions to call them at XXXX if I did not request the code. I called them and reached a rep who said they have no record of this. She submitted a request to have it looked into and transferred me to fraud dept. I was put on hold and i hung up after so long. 

Called again, got another rep who was not friendly and tried to transfer me to Fraud dept but she disconnected the call in process. 

Called again and asked for this to be escalated and to speak with manager and the request to do so was declined. Rep said she would put in request to IT department to have this looked into. 

XXXX XXXX XXXX and spoke with rep. She contacted Toyota Finance and then provided me with same information that they did. Said she will submit request to have looked into. 

I am frustrated that Toyota company sent me this verification code email and has no record of it and refused to connect me to a manager or to escalate. 

For the record, this comes on the heels of my having a payoff request sent from Toyota Finance to my credit union ( yesterday ) as I am working to refinance this loan with the credit union. I contacted credit union to ask if they may have contacted Toyota to access my account and they responded saying that they did not and never would do so. 

This protocol-based, merry-go-round lack of accountability is exactly why consumers have problems resolving identity theft issues. The companies themselves use protocols that are designed to get the case closed asap and not necessarily resolved for the consumer.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX Account : XXXX ( Debt Amount : {$130.00} ) and XXXX XXXX XXXX Account : XXXX ( Supporting Documents will be included with this complaint. ) I began the process of securing a low-income loan in XX/XX/2022. When my credit report was checked, it revealed an old debt I owed to XXXX XXXX in the amount of {$130.00}, which I had forgotten. I contacted XXXX XXXX XXXX ( XXXX ) to inquire about paying it off and removing it from my credit report. They ( XXXX ) told me what I must do, so I paid it off at the time of this phone call with their representative by using my debit card on XX/XX/2022. XXXX told me that once they received notification from XXXX XXXX that they received the money, the debt was paid in full, and I had a XXXX balance on my account, it would be removed. However, it remains on my credit report. 

One credit reporting agency ( XXXX ) did receive notification that XXXX XXXX had received the money and removed it from my credit report within two weeks. However, XXXX and Equifax continue to show this debt on my credit report. Today, I spoke with XXXX 's representative, who told me they notified all three credit reporting agencies that the debt was paid off and to remove it from my credit report. 

However, when I spoke with representatives of Equifax, they stated they had not received any notification from XXXX. I have not been able to get through to a representative with XXXX. When I tried contacting a XXXX representative, I received a recording asking for my personal information to pull up my account. I was told my information was incorrect twice, and the call was automatically disconnected. I have been unable to reach anyone with XXXX, although I have tried. Someone has dropped the ball somewhere in this montage of a mess between XXXX, XXXX, and XXXX. This needs to be cleared up and removed from my credit report through Equifax and XXXX.