davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2014 I applied at XXXX XXXX TARGET for TARGET RED CARD. I never received the card in the mail and since I do not have the card number i have been unable to pay the one time charge of XXXX some odd dollars for the last just over 6 years. I just want to pay my bill and have that 6 years of delinquent payments removed from my credit score. It was at no fault of my own. I have made multiple attempts over the years to reach the TARGET RED CARD distributor and I've just about had it with their shenanigans. 
My name is XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX All I have is the last four digits of my account number provided on the receipt given upon opening the account XXXX
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I discovered illegal unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require agencies to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or false information since my personal information was impacted by the Equifax data breach and may have ended up in the wrong hands. You are filing reports recklessly and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and menstrual agony on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

THIS ACCOUNT IS REPORTING FALSE INFORMATION AND NEEDS TO BE REMOVED IMMEDIATELY. THIS ACCOUNT IS SHOWING FALSE DATES ON THE 1. DATE OPENED 2 LAST REPORTED 3. LAST ACTIVE DATE ALL HAVE DIFFERENT DATES COMPARED TO OTHER BUREAUS. THIS IS FRAUD AND HAS TO BE REMOVED. IT HAS A 0 BALANCE, THIS COLLECTION HAS ALREADY BEEN REMOVED BUT IS STILL SHOWING UP AS DEROGATORY ON MY REPORT. I JUST WANT IT REMOVED FROM MY REPORT COMPLETELY. 

Account # : XXXX XXXX XXXX
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Palisades Funding Corporation (NY)

i and my sister bought the car on XX/XX/XXXX from XXXX XXXX XXXX our loan company was paleside .. we XXXX dollar down payment and one monthe car payment XXXX dollar upfront total XXXX. from that date we never missi payment until this month we were 10 days late but the loan company reposes my car and illegally asking me more money and another six month payment in advance and so many hidden fee.. i try to contract but they denied said boss or owner its not there.. we become so helpless and they didnt say any thing to us. kow they are saying they dont have any grace period.. they already harasing us verbally and socially
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (SC)

I, XXXX XXXX, consumer, am submitting this communication to inform VANCE AND HUFFMAN LLC XXXX. XXXX, XXXX {$1900.00} that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt. 
In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. 
I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above. 
If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
Consumer complaint received 2023-03-20
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 oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/2021
Consumer complaint received 2021-08-03
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. (CA)

I have contacted TransUnion multimedia about inquiries that I dont recognize. I have called customer service and they are nothing but rude. Everytime I try to talk to them they tell me You cant dispute by mail or something that is not true. Twice a representative hung up in my face. The worst was the supervisor XXXX XXXX. There was another but I cant remember his name either. It has literally been over 3 mi this trying to dispute inquiries. Why cant the credit bureaus do their job professionally? I am sick and tired of being a victim because people wont do their job.
Consumer complaint received 2022-12-09
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: Westlake Services, LLC (MD)

15 usc 1681 section 602 states i have the right to privacy.

15 usc section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written consent 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Consumer complaint received 2021-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TN)

I was ill XXXX symptoms XX/XX/2021. A bit recovered within last two days, I noticed, cyber hacking of home central devices, Missing electronic such as laptop, my accounts had been compromised, I immediately contacted my bank to reduce further loss, reported this to local then to federal cyber and identity crime enforcement. I provided the Merchant that I could reach and my bank with transactions and detailed affadavit and report number. I advised the funds of the account was federal issued fumds for self support, and it is crucial to the quality of life under such circumstances that I can remain healthy to the affordable care in which the Veterans benefits provide. This is the second amount in such circumstances involving Branch and XXXX which a foreign entity I reported here after not receiving a fair disposition of credit that will cause me to suffer for security failures and what's legally the duty of the Merchant to assure the extra measures are in place for transactions it allo to happen on. its platform with out the physical card for inspection and fraud prevention. Although the investigation is ongoing it remains unresolved with funds not yet being submitted as only a temporary necessity.
Consumer complaint received 2021-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights. 
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
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (MI)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-10-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (MD)

I was sent here by another agency, thats been somewhat involved in our loan issue. After getting the info they told me to get, they told me to file a complaint with the CFPB. 
Ive attached two documents. One ( 1 ) is the monthly Loan Statement. The second one ( 2 ) is the requested statement were told to get and got by way of email on yesterday evening.

Our issue is that on the 10th of this month ( XXXX ) we transferred the amount of {$1600.00} for the XXXX and XXXX past due payments. These payments are due on the XXXX day of each month. The second document will show that the payment was made and received by FCI (  {$1600.00} ) on XX/XX/2019, but was not applied to the loan until XX/XX/2019.  Meaning also that the past two payments that was supposed to make the account show CURRENT did not happen until after the XXXX day of XXXX and was not included in this months statement dated XX/XX/2019. And by having the payment applied after the XXXX it would make the account statement show us being three months behind, when were are really only a few days away from making this months payment, and still within the grace period. 

Were told that we were a victim of a Deceptive Practice, that is illegal, because a bank, lender, etc must accept all past due payments ( {$1600.00} ). They can only decline or not accept anything that does not bring the account current. The attached two documents clearly show the payments necessary to bring the account current, and was received but was not applied. 
Im requesting the reason why the payment was not applied. After calling on the XXXX right after making the payment though XXXX XXXX, which has always been instant, to get its here but not applied, call back later and we did several times to find out it was there and was received on the XXXX, and after more run around, we later called back on the XXXX and XXXX and was told that they did not know why it was not applied, and that it will be tomorrow ( XXXX ) and it was. The other agency had told us last year after our initial dealings with the operation that purchased the debt, to be careful and by all means dont sign anything or agree to anything. That is why weve been contesting this loan since day one. 
When asking why the payment was not applied, and later being told the account was in suspense. When asking why it was in suspense, it was clear that whatever the reason was we were not told. Now the anxiety knowing that were most likely a part of some kind of scam.
Consumer complaint received 2022-04-11
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2022, I applied to Paypal Mastercard backed by Synchrony bank. The application prompt said " application was not approved due to credit freeze '', though I have no freeze enforced and I received 2 hard inquiries from Synchrony bank on my XXXX and XXXX credit reports. I called Synchrony bank 's new account department and the agents weren't able to confirm these hard inquiries initiated by Synchrony bank.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I took a remote job from a company called XXXX XXXX. I was into town work in accounts receivable and get 5 % commission for everything that I collected. I received a cashiers check from a client named XXXX XXXX in the amount of {$3800.00}. I was instructed by my XXXX XXXX XXXX to wire the collected funds to a XXXX XXXX XXXX account to a XXXX XXXX in XXXX, GA. Turns out that the cashiers check was fake and I got scammed. My bank account was depleted and now I dont know how Im going to pay for my education next semester. I filed a claim with the FTC and was sent here in hopes that I might be able to get my money back. Im out {$3600.00} because of this and I need help to get it back. The bank informed me that Im liable and the FTC says that youre my only hope. Please help me.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

Citibank, with no engagement, decided to close my account on XX/XX/2022. The reason was that this was based on a review. They immediately blocked all debits and this has caused me to default on a number of payments -credit cards and mortgage. As background, I recently had some funds wired to my account and immediately tried to send some of those funds XXXX  to complete a transaction. The outgoing wire was canceled a few times .When I called Citibank , I was told that my account was being blocked. I then proactively sent documentation to Citibank detailing the source of funds deposited in my account and the purpose of the outgoing wire. These are attached .None of this has been acknowledged. I have tried several times to discuss with Citibank about urgently returning funds to me and they have refused stating that the funds do not belong to me. I am highly inconvenienced
Consumer complaint received 2021-10-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (TX)

This is a new complaint concerning PayPal Credit but the same that was complained in the first. PayPal has special finance easy pay purchases for purchases over {$99.00}. 
This special finance gives you 6 months with no interest to pay off purchase. 
The other is 24 months easy pay purchase with 24 months pay at a fixed amount. 
Having both of these running concurrent being asked to pay the minimum purchase amount every month on the account. With this being done in good faith, sometimes making payments ahead through the months to meet or exceed the amount asked for on the minimum monthly payments. 
Over the time since starting a 2 year easy purchase with making other purchases on the 6 month no interest plan i noticed that PayPal Credit not keeping the balances of the account on that end, in fact i have made payments with some of the amount not being placed towards the account on any purchase, matter of fact i will state that part of the payments were hidden and when the questions aroused no answer that was given made any sense. What i was told was that they would get a team on it but it will be 2 billing cycles before it can be corrected. keep in mind that during this time the special finance purchases would be expiring in 2 weeks with no payment or a small amount placed toward this over the amount of payoff time agreed upon to allow the expiration of the allowed payoff time which will add the accumulated interest to the account balance. 
I have contacted them so many times over the terms of these special finance, i have stop counting because i run out of fingers. 
The last excuse that was given was that i had a purchase in XXXX that i did not payoff and that just because it is no longer being listed on the account doesn't mean it doesn't exist. 
And that causes me to believe that PayPal is taking some amount of the payments and not placed them towards balance of the account and even not placed them to the proper items to stay current on the account because i did. 
I advised them that i can no longer use their service until this has been corrected.
Consumer complaint received 2022-04-05
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (MA)

On XX/XX/23 I applied for an Income Driven Repayment Plan with my student loan provider, Ed Financial. I chose a graduated extended payment plan. They usually application approval period is 2-4 weeks. They told me it could take up to 25 business days to process. I have checked my online account and called them to follow up. It has been over 6 weeks since the application was submitted and I still do not have an answer as to why or not I have been approved.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had my Checking account for almost 20 years. Were All my payments and direct deposit goes through. I was accused of fraud and threatened by bank of America and they closed my account without further investigations. My sister in law owes me deposited her payment to my account using her EDD debit card. She said that she spoke to her bank and they said its ok. Why would i be suffer from this when its someone else made a deposit tk My account. It is very Unfair and it was already made clear that the deposit or transactions was not a fraud and they still closed my Checking account. It caused me a lot of stress since all my payments and direct deposit is all through that account. I cant even pay my rent on time. They even threat me that they Will report and wont be able to open an account else where. I have a written letter from them as an evidence.