davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive been paying my car note I financed with Capital one Auto financing a used car that was priced at XXXX so far since having the car Ive paid over {$20000.00} however only XXXX was applied to my actual principal XXXX the bank is still requiring me to pay XXXX more which would total me in at about {$34000.00} I end up paying. I know What is being done to me is illegal and was set in place for me to fail. How can i pay {$20000.00} on a used vehicle that was priced at XXXX and only XXXX be put towards my actual loan. Please help my credit is ruined and i receive public assistance.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

2 MONTH AGO I OPEN THE COMPLAINT TO PAYPAL AND THEY SAID THAT MY MONEY WILL BE ABLE FOR WITHDRAW IN XX/XX/XXXX. 

PAYPAL IS IRRESPONSIBLE, BECOUSE I TRY TO CANTACT MANY TIME AND I NEVER RECEIVED ANY EMAIL ABOUT I WILL ABLE TO WITHDRAW MY MONEY. 

i m attach the old letter. 
see what they said, i m really tire with situation, they never do wht is suppose they should. 

i just want my money now paypal XXXX XXXX
Consumer complaint received 2022-04-11
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: ECMC GROUP, INC. (VA)

On XX/XX/XXXX I reached out to ECMC because XXXX stated they verified this Acct. as accurate. I spoke with XXXX XXXX, XXXX and I asked her why are these Acct 's still reporting Negatively/derogatory. My recent report showed it was in Collections, but the Cares Act has placed ALL Student Loans on Pause. No Collections of any kind, no Negative Reporting until XX/XX/XXXX. I asked the XXXX what was the first date of Delinquency and she replied XX/XX/XXXX, and stated that this was Acct. was SOLD & Repurchased again back in XX/XX/XXXX. So the original date placed with them was incorrect. I was never informed that this Acct was Bought and Sold. I asked her how was this possible. She informed me that I can Start a repayment plan now or wait until after the Cares Act expires. XXXX XXXX XXXX have removed this Acct. from my Credit File, and I am Demanding that ECMC Remove this negative reporting from my Credit Report.
Consumer complaint received 2021-07-16
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: JPMORGAN CHASE & CO. (VA)

STOP SENDING ME RECEIPTS FOR CHECKS!!!!! THEY'RE COMPLETELY USELESS!!!!! I NEED AN ACTUAL CHECK FOR THE MONEY YOU OWE ME WHICH INCLUDES THE {$15.00} XXXX XXXX CHARGED ME FOR THE ONLY CHECK YOU DID SEND AND ILLEGALLY STOPPED PAYMENT ON!!!! I SHOULD NOT ALSO BE OUT {$15.00} BECAUSE YOU ALL ARE COMPLETELY INCOMPETENT AND ILLEGALLY STOPPED PAYMENT ON A CHECK THAT WAS SUPPOSED TO BE VALID FOR A YEAR!!!!! HOW CAN A BUSINESS THAT'S SUPPOSED TO BE RESPONSIBLE FOR PEOPLE 'S MONEY BE RUN BY A BUNCH OF PEOPLE WHO ARE SO COMPLETELY INCOMPETENT!!!!! YOU HAD A ROBOT CALL ME THAT WAS COMPLETELY UNINTELLIGIBLE!!!! YOU SENT AN EMAIL I COULD NOT OPEN OR READ!!!! YOU SENT LETTERS WITH NO NAMES OF ACTUAL PEOPLE TO CONTACT!!!! WHAT THE XXXX IS WRONG WITH YOU ALL???? I HAVE DONE NOTHING WRONG EXCEPT OPENING A CREDIT CARD TO USE WITH XXXX WHICH IS ALSO RUNNING MULTIPLE SCAMS AND STEALING MY MONEY!!!! I WANT MY {$50.00} RETURNED TO ME VIA ACTUAL CHECK IMMEDIATELY OR YOU'LL ALSO OWE ME INTEREST AND COURT FEES!!!!
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (TX)

They say on XX/XX/2020 I did not go in no XXXX and get no furniture I'm found this at identity theft with the Federal Trade Commission we need to come to agreement you need to send me a contract show with my proof and signature you got to make sure you got all the information that you were saying with XXXX furniture cuz I do not have no furniture
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. I've been going back and forth with the credit bureaus about these accounts that appear on my credit report that were part of my identity theft case.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2023 I was alerted of multiple obvious fraudulent charges ; 15 bogus unauthorized transactions from a salad bar in Florida ; a different state than California which I reside. 
The card is in my possession but has been reissued since the fraudulent transactions has been committed. An impersonator from the Navy Federal Credit Union fraud dept. called and pretended to be informing me of fraudulent charges inquiring about my debit card info. and had me reset my pin # and online banking so I guess they were committing fraud and accessing my checking and transferring money from my savings account during and after the call. They told me they would give me a call back in a few hours once everything was reset but never did.
Consumer complaint received 2023-03-22
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: NAVY FEDERAL CREDIT UNION (IL)

Fraudulent credit card accounts were open in my name at navy federal credit union in XXXX of XXXX. My wallet was stolen in XXXX of XXXX  since then I have been suffering from idenity theft. I Am not responsible for any navy federal credit card debt, and I am demanding a proper investigation into the Fraudulent account and immediately deletion from my consumer profile as the account Is a fraudulent account.
Consumer complaint received 2021-05-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (PA)

WELLS FARGO DEALER XXXX XXXX XXXX XXXX, NC XXXX. HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PASTED DUE BALANCE. I ALSO HAVE PROOF THAT I OVER PAID AND THEY WAS SUPPOSE TO SEND ME A CHECK OUT AND NEVER DID!
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA placed a {$200.00} hold on a recurring alimony check ( nearly 2 years ) drawn on account with their own institution! Not only that but they know the funds inadvertently came from a XXXX XXXX payroll check as my ex has banked with them for over 20 years!!!
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXX XXXX XXXX XXXX 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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 Experian, XXXX and XXXX reported and unauthorized inquiry on my credit report, ( XXXX XXXX ). 

According to : 15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. witch they did not do.
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GVA Holdings, LLC (TN)

I have told at least 3 representatives from Bright Lending in the past that this telephone number does not belong to XXXX XXXX. It is a cell phone belonging to his former employer, XXXX XXXX. Each representative states that they will remove my business cell phone number from their database. Yet .... 

Since Monday, my cell phone records show the following calls that I ignored : Monday, XX/XX/2021 at XXXX from XXXX Monday, XX/XX/2021 at XXXX from XXXX Tuesday, XX/XX/2021 at XXXX from XXXX Wednesday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX On Friday, XX/XX/2021 at XXXX, I picked up the phone and spoke to XXXX who RUDLY INSISTED that Bright Lending has never called XXXX before. She refused to take me out of their database altogether as I requested, instead she said she will put me on their " do not call '' list which they will sell and cause further harassment. When they call they insist very rudely to talk with XXXX XXXX, when I tell them they have the wrong number, they refuse to hang up, they continue to ask as though I am trying to hide him. 

If I get another call from them or an associated company, I want compensation per call. I am tired of them interrupting business meetings and my work day.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Im having a problem with the credit bureaus. I have worked very hard to get my credit score to where it was prior to XX/XX/XXXX. I admit I was not always responsible when it came to the balances of my credit cards but I always paid my bills on time. I was severely impacted by Covid 19 my husband lost his job and he has just recovered from XXXX XXXX  prior to that and the kids had to stay home and I have XXXX  children and I also was on XXXX so I things got hard and I had to pay rent before credit cards. Then in the middle of XXXX the owner of the house we were renting needed to move back because of COVID-19 and by then my credit dropped so low that nobody would rent to us.Since then Ive caught up on payments but unfortunately some accounts got closed. Nothing matters but that score and it didnt matter that all my payments were on time before the 3 months I missed and payment history was still excellent and I make good money now that Im back at work full time, Ive at job for 4 years nobody would except us so were homeless living in a motel. I have credit repair company that is supposed to be helping me but I think its really a scam the company is XXXX XXXX XXXX XXXX and another name they use is dispute my XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. My family and I are homeless because of my score and theres anything you can do to help. The property management companies told me I was denied because of my credit score and they said I had an eviction but not provide me with anymore information when I asked and their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX And I have an credit card account with XXXX XXXX XXXX XXXXXXXX na its an secured card with a limit of XXXX opened on XX/XX/XXXX and I never missed a payment and they let me make two payments and then closed wrote it off as a charge off with only about {$89.00} owed never contacted me to see what help that could be provided. And all of the address on credit report are not accurate except for the PO Box .
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On or about XX/XX/XXXX, according to my XXXX credit report, I opened a Kohls credit card. However, I only became aware of the existence of this card in XX/XX/XXXX, in the course of applying for a mortgage to purchase a home. My mortgage broker said that I owed ~ {$450.00} associated with a KOHL 's credit card, and that it was negatively impacting my application. I called Kohls in XX/XX/XXXX and they told me that they had sold the account to a collection service in XXXX. I asked them to please send me a copy of the credit application so that I may review signatures to authenticate. They said they were not able to do so. I asked Kohls to research the dates/times of transactions on said card and search video of associated purchases to investigate. They said they were unable to do so. They reiterated that my complaint must be taken up with the collection service. When I contacted the collection company which Kohls hired they stated that they could help only after the debt was paid. So in XX/XX/XXXX I made a payment of ~ {$450.00}, and I pressed on with my research. My former wife and I separated in XX/XX/XXXX. My theory is that she took out the card in my name. She managed all of our financial affairs. I'm in an awkward position as the non custodial Father to our XXXX children. It would be extremely detrimental to my relationship with my children if I were to look to the courts for relief. I have no knowledge of the card. I've taken the high road and paid off this debt. In the absence of an original credit application or video evidence of purchases I allegedly made, it is my wish that Kohls would correct the record and delete the negative reporting associated with this fraudulent account opened in my name. Currently, my credit shows four late payments in XXXX, and two late payments in XXXX, and then a charge off in XXXX. The charge off incidentally happened in XXXX, and not in XXXX, according to my conversations with Kohls and according to my conversations in XX/XX/XXXX with the XXXX XXXXXXXX XXXX which they sold the account to in XXXX.
Consumer complaint received 2021-07-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (CA)

On XX/XX/21 I received a loan for {$2200.00} from Big Picture Loans. On XX/XX/21 I advised I would pay it off. However, they told me the pay off amount was {$2800.00}. That is a fee of about {$700.00} for holding a loan for one month. They are charging a 1.10 % daily interest rate. 

After doing some further research it appears this company isn't even licensed to do business in the state of California and this is an illegal loan. 

After even further research it appears there are multiple lawsuits against them for illegal business tactics. This company needs to be investigated.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I have tried disputing these accounts with Equifax, stating these accounts don't belong to me. Equifax has never verified any information, their response is always this account has been verified. 

XXXX  # XXXX {$170.00} XXXX # XXXX {$74.00} XXXX {$450.00}
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U.S. Bankruptcy Court XXXX  XXXX bankruptcydismissed Reference # : XXXX XXXX Bankruptcy Court XXXX XXXX bankruptcydischarged Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2021-07-16
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. (FL)

equifax for years have provided incorrect information on my credit report. This is my second time going with to the cfpb. 
THey still refuse to do the right thing. I have contacted them by phone over 20 times. 


They refuse to add my XXXX  Credit Card That was opened XX/XX/2020 They refuse to report XXXX XXXX XXXX that was opened XXXX, XXXX 2020 They refuse to report my XXXX XXXX  credit Card that was opened XX/XX/2020 They said my XXXX XXXX XXXX auto loan acct was closed but it is still opened and I am making ontime payment. 


I request you use the my XXXX report as a refrence. 



Again I am looking to buy a house and Equifax continues not to report the positive stuff on my credit report. 


All finace companies I am complaining about report to all 3 credit agencies.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (TN)

I received two pre-paid credit cards for XXXX dollars each as a gift for XXXX in XXXX of 2020. They were issued by XXXX under license from VisXXXX. They are distributed and serviced by inComm Financial Services, XXXX XXXX XXXX, XXXX Georgia XXXX. When we tried to use one of the cards, it was discovered that there was only XXXX cents on it ; not XXXX dollars. These cards were received in the factory packaging and had not been tampered with. I filed a claim with the distributor inComm ( Claim # XXXX ) explaining that I had not made any purchases with it and in fact just opened the packaging for use in XXXX. XXXX performed an investigation and I was told that the purchases had already been made prior to my having the card ( XX/XX/2020 ) and that they were " sorry '' but there is nothing they could do. Bottom line is I received the equivalent of an empty box for a gift and the credit card distributor is unwilling to do anything about it.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-12
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. (CA)

I have requested again a validation of an item being reported by Equifax, XXXX XXXX XXXX XXXX. I contacted and have received a response from XXXX XXXX XXXX XXXX that clearly violates my rights according to HIPAA. XXXX XXXX XXXX XXXX did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). I advised Equifax that by providing such information they are also in violation of the HIPAA Privacy Rule. I have requested that Equifax to forward to me a copy of my HIPPA Release Form and still have not received a copy.
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (TN)

On XX/XX/XXXX, I sent a Notice of Validation to the XXXX XXXX XXXX to validate the information they claim I owned in the amount of {$1100.00}. I requested a copy of my signatures on a HIPPA form, giving XXXX XXXX XXXX ( Frost-Arnett Company ) permission to review/access any of my medical information. XXXX XXXX XXXX responded, XX/XX/XXXX, with a description of procedures used to determine the accuracy of the items they reported to the credit bureau, therefore, they are in direct violation of my HIPPA rights. No copy of any signature giving them permission to access my personal medical information.