davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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. (OH)

XXXX, Experian, & XXXX, continues to report 2 dismissed XXXX XXXXXXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed XXXX does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers XXXX, XXXX, XXXX
Consumer complaint received 2022-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc ()

Hello, I have been using PayPal to receive payments for my XXXX  business ( XXXX XXXX ) also I am using it sometimes to pay. 
On XX/XX/XXXX I give my PayPal account to one of my clients to send me payment, after that I got a mail from PayPal that my account is permanently limited then I got mail informing me that my account temporary limited and asking for some information to submit ( The mail that asking for Information arrived after the permanent limitation mail ). 
So I contacted PayPal customer services asking for the reason and they tell me the decision is final and didn't give me any clear reason. 
After days of searching and contacting my client who send the transaction. 
I discovered that he was using XXXX platform to convert his crypto coins and send them automatically to my PayPal account. 
I didn't know that he will use XXXX platform to send it to me. 
and my client didn't know that PayPal doesn't allow dealing with XXXX platform in my country XXXX. 
I really didn't do anything illegal. 
So I wish you help me get my account back ASAP.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Tranunion, XXXX, & XXXX, continues to report 2 dismissed XXXX XXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed Transunion does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers XXXX, XXXX, XXXX
Consumer complaint received 2022-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Evergreen Moneysource Mortgage Company (WA)

My family suffered a loss in income due to XXXX and had to take mortgage forbearance on this loan. We worked with Evergreen Home Loans on a trial program for a loan modification beginning XX/XX/XXXX. We've made all our payments on time every months since the agreement. We completed the trial period and were supposed to receive loan modification documents to sign around XXXX or XX/XX/XXXX. I called Evergreen Home Loans XXXX XXXX asking for my closing documents and they never sent them. 

I talked to XXXX XXXX, in Loss Mitigation, a few weeks ago when I asked her to send me the loan documents. She told me that the offer had expired and sent me new documents with a higher interest rate and monthly payment than what I have been paying. 

I am still financially impacted by the XXXX XXXX and can not afford the higher payment that Evergreen Home Loans is forcing me to pay.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

This is a follow up to my earlier complaint with Citibank. 

Given that the hacker accessed my account with no issues, why wasn't I alerted that someone had entered my account from a different computer/IP address? 

I was just sent two emails 'congratulating " me on opening TWO Priority checking account and an email telling me I had applied for a personal loan- which surely would seem odd, given that I am a Citigold member? 

Where was the protection of my account and my computer?
Consumer complaint received 2022-08-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MD)

the company is CREDIT ACCEPTANCE CORP Date opened XX/XX/2018 Original balance {$9600.00} what happened is that someone used my personal information and they did not verify that it was not me and today they do not want to be held responsible that it was not me and they do not want to help me, they have already been sued once because they do illegal things with many people.
Consumer complaint received 2022-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (MO)

On XX/XX/2022 I went to XXXX XXXX to simply look at furniture. I did not intend on purchasing anything that day, as I didnt have any money on me. They quickly mentioned that I didnt need a physical card in order to make the purchase. This led to me signing up for a rent to own agreement with American First Finance, since thats who XXXX XXXX uses. I dont know which company to blame in this situation. I got my furniture XX/XX/2022, since my move in date was XX/XX/2022. I made 3 payments before my payment was delivered. I was paying for furniture I didnt have for at least 15 days. The agreement had an early pay off option which I intended on using, except my pay off date was not accurate. First, I believe I shouldnt have paid anything until my furniture was delivered. Secondly, my furniture was delivered a day late even though it was ordered the week of XX/XX/2022. Thirdly, I believe my early pay off discount shouldve have been extended due to my first and second reasons. I called American First Finance, and the employee I spoke with slipped up and agreed that American Freight shouldnt have started payments weeks before I got my furniture. Clearly that conversation did not go far, because Im here writing a complaint.
Consumer complaint received 2022-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (AZ)

United Collection Bureau Inc. sent me a bill on XX/XX/2022 ( UCB Reference Number XXXX ) for an outstanding bill from XXXX XXXX XXXX, which was paid in full I have previously made more than 4 calls to the provider XXXX XXXX XXXX in regards to this matter. Each time I am told not to worry, they see the payment was mis-coded and to wait 30 days for a correction. Each month they send another bill. 

Now I am receiving automated calls from this collection agency for a bill that was paid via my Flexible Spending Account on XX/XX/2022. I've included a copy of the check cashed by XXXX XXXX XXXX on XX/XX/2022.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

About three months ago, I received a statement from CitibankXXXX 
I was charged over {$9000.00} for items from a merchant called XXXX. 
I had never heard of XXXX and immediately called the consumer fraud line for CitibankXXXX and reported these charges as unauthorized. 

I called the " bank '' on at least four different occasions ; the customer service representative each time reassured me that the charges would be " credited back '' to my account as soon as the " fraud division '' was finished with its investigation. 

On XXXX XXXX, I received a letter marked " Notice of Adjusted Minimum Payment Due '' The adjustment was for a huge amount, {$460.00}. 
I immediately called the bank to find out about this payment. 
This is the response : they credited back {$3000.00} ( + ) but claimed I still owed {$6000.00} I asked 2 questions, for which I was unable to get the answers ) 1- If all the charges were for the same merchant, XXXX  , why were some decided to be legitimate and others not?

2- what was the criteria used to decide the legitimacy of each claim? 

I was unable to get thru to the Fraud Division " Escalation Department '' which has the authority to change these decisions. I was cut off, misdirected, hung up on and generally frustrated in my ability to to anyone with any ability to answer my questions or address my issues. 
I couldn't even talk to anyone to cancel my card.would appreciate help with this issue. 
I paid the {$460.00} this month not because I agreed with the charge but because I didn't want it to affect my credit rating. 
thank you
Consumer complaint received 2022-08-07
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 2022-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

I have contacted Navy Federal Credit Union over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the XXXX ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as XXXX, XXXX, XXXX.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I have made about twenty claims with Wells Fargo and every time I made a claims I received an email apologizing for the inconvenience and the bank blamed the system error. I'm not sure what is going in on with XXXX, Wells Fargo, XXXX XXXX, XXXX XXXX XXXX XXXX with the bad habit of allowing other merchants to debit it money from my account. What are the banks doing to protect consumer account. I have this claim number against Well Fargo. I did the math and it added to {$220.00} now they are saying that they already pay me. I need Wells Fargo to send me proof of the receipt. I need help from this agency Claim number XXXX
Consumer complaint received 2022-08-06
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. (DC)

In accordance with the Fair Credit Reporting act XXXX / XXXX # 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.

15 U.S.C 1681a Section 2 : States that the term consumer report does not include, a report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2022-08-07
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. (PA)

15 USC, 1681-B A Intends to use information as Experian violated my consumer protection rights FCRA With a a company XXXX which was opened on XX/XX/XXXX and closed in XX/XX/XXXX with negative information on my credit report surrounding this account.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A payment was attempted from a corporate bank account and the payment was rejected. Further, the card was put on hold and has remained on hold since XX/XX/22. 

XX/XX/22 XXXX of Capital One Credit Card attempted with a bank account not used prior. Payment rejected XX/XX/22 Capital One Credit Card placed on Fraud Hold XX/XX/22 Payment was again attempted with a different account and rejected again. 
XX/XX/22 Interest Charges posted. 
XXXX Payment was made using original bank account successfully ( {$0.00} balance ). Account is still on hold XX/XX/22 Capital One requested bank statements from the first account used to pay the card. 
XX/XX/22 Capital One requested a phone call with a signatory on the bank account used to pay the credit card. A conference call was successfully completed. Capital one requested proof of signatory authority of individual on bank accounts. 
XX/XX/22 Additional Interest charges posted to account. 
XX/XX/22 A letter from XXXX XXXX was submitted listing individual as signatory on the accounts used to pay the credit card. 
XX/XX/22 Capital One card is still on hold and can not be used nor any rewards redeemed.
Consumer complaint received 2022-08-06
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. (DC)

In accordance with the Fair Credit Reporting act XXXX / XXXX # 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.

15 U.S.C 1681a Section 2 : States that the term consumer report does not include, a report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
XXXX : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX EXPERIAN : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (GA)

I asked the credit bureau to do thorough research an verification everything on my credit reports and they did states they verified it and I still found some inaccuracies after they did the thorough research. Still improper use of my credit report. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX .... 
XXXX  XXXX .... 
XXXX XXXX XXXX XXXX XXXXXXXX Identification number XXXX Item name XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification number XXXX Account name XXXX Account number XXXX XXXX. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX XXXX XXXXXXXX Account number 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. 

Please see all credit report and screenshots proving that they did not do the full thorough verification report. you can see the inaccurate dates for date opened, inaccurate account numbers, and the date of last activity, and last reported is all inaccurate. Please remove from Equifax, XXXX and XXXX.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX SS # XXXX DOB : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXXt Acct # XXXX XXXX  : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX EQUIFAX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked the credit bureau to do thorough research an verification everything on my credit reports and they did states they verified it and I still found some inaccuracies after they did the thorough research. Still improper use of my credit report. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX .... 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Identification number XXXX Item name XXXX XXXX XXXX XXXX  XXXX Identification number XXXX Account name XXXX Account number XXXX XXXX. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX XXXX XXXXXXXX Account number 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. 

Please see all credit report and screenshots proving that they did not do the full thorough verification report. you can see the inaccurate dates for date opened, inaccurate account numbers, and the date of last activity, and last reported is all inaccurate. Please remove from XXXX, XXXX and Transunion.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX, Bank of America has sent me an alert on my phone saying my debit card was blocked at a XXXX, i informed them that I did not authorize any transactions, they declined my card XXXX  times but XXXX XXXX they allowed the charges to go through, with this alert is when I have realized that my card had been lost, I have open the dispute, the card was used on the same spot where i had them blocking XXXX other transactions, being just the first out of the XXXX going through, again, at the same store. They have refunded me an extra {$10.00} that was spent prior to the one at XXXX in the amount of {$130.00}. I have been their client since XXXX, and they have sent me a letter saying that I have lost the dispute, why would they refund me the transaction done prior to that one, block the other XXXX at the same place and not refund me on the first one?
Consumer complaint received 2022-08-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

XXXX XXXXXXXX XXXX posted my information in a report without writing and asking me for consent. According to the Credit Bureau I have the right to privacy. According to the privacy laws regarding posting information without asking for consent. 


XXXX XXXX Social Security XXXX XXXX XX/XX/1992 I am XXXX and my birth certificate is from XXXX XXXX XXXX XXXX Social office will state from XXXX.