davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC (KY)

I opened an account with XXXX, an online payday loan application ( their website touts it as a " cash advance '' but you're really just borrowing money from your payday UNTIL your payday ). Regardless -- I opened an account with them in XX/XX/XXXX. I paid a {$1.00} fee and connected my bank account through a third party website and began to utilize the services. You see, you connect your bank so your recurring deposits can detect your paycheck and the system can ensure you're paying your advances back on time and not until your paydate. If you're paid monthly, your balance settles monthly. If you get paid bi-weekly, it settles bi-weekly. I myself am paid bi-weekly and took my first advance XXXX XX/XX/XXXX with no issue. I paid it back as agreed ( I borrowed in the middle of a payperiod ) on Friday, XX/XX/XXXX. I took another advance on XX/XX/XXXX and was surprised when it came out of my account on the XX/XX/XXXX because my profile reflected that I am paid bi-weekly and wasn't expecting to have it paid back until the following week. I contacted XXXX support and was advised to make sure my income was correct and to let them know next time and they could change my advance date. 

Since then, I have had to submit a ticket EVERY TIME I do an advance to change my payback date. My income is correct in my profile, my check stub has been verified I have done every single thing they have asked me to do and sometimes if I don't catch their support team in time ( like today, I took an advance out XXXX days ago that I saw is going to settle tomorrow, again in between my paydates ) I was advised they wouldn't change my payback date because it was already too late. I'm paying a fee EVERY time a payback is made. Every single time. Their website says that you can take advances until your paydate and to pay back on your paydate and their software is integrated so that it's supposed to detect your income. It all just appears to me that this is an online company taking advantage of consumers by charging them extra fees when they advertise differently. Shame on them.
Consumer complaint received 2023-06-19
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-04-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Auto finance company repossessed vehicle. Vehicle was not damaged before repossession. Vehicle had significant damage after repossession. Auto finance company submitted a claim on my insurance for damage caused by towing company. I have pictures from a few days before the repossession. Towing company also stole cash from Me. Bank filed false insurance claim and I believe that should be illegal.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Yakima County Credit Service, INC (WA)

I'm going to paste here my original complaint I filed with the XXXX. 

This collection company called YCCS was given an overdraft that occurred on my bank while I was out of town to go to be with my dad who was XXXX. He was put in XXXX. I left in XXXX and didn't return until the beginning of XXXX. I didn't have access to my banking and funds nor did my spouse as he drives truck and has never done any banking. I paid the balance in full to these people and asked them as a courtesy to remove it from my credit bureau as a good will gesture. The supervisor who was a man named XXXX refused to delete it and said there was absolutely no way they could do that they could only mark it paid. I couldn't help that I had to rent a car and drive three states away by myself to be with my XXXX dad and had to pay for his XXXX. There is no reason they can not remove this only they are being complete and utter jerks. They get a thrill out of ruining people 's lives and credit. During the pandemic we worked very hard to try and keep our credit and our heads above water then you have creeps like this who come along and destroy everything. They said it would go against their agreement with the credit bureau which is totally false. It's a company decision, not a credit bureau decision. I wasn't even aware this had happened until I received the XXXX Notice. We were in the process of closing that bank account they were collecting on and switching to a new bank because the bank we were with was dire. None of their banking apps worked. They were not open XXXX. A Whole bunch of reasons. I wasn't expecting the debits to come through the bank. 

In addition, which I forgot to add, they reference two payments that bounced. Well I explained to them the dates they wanted to set up were before our dates of getting paid and I have to always move money around because our main bank is 3.5 hours away and there is no branch near us. I wasn't aware the payments had bounced because I can't see bounced payments in my account, they just disappear. Regardless, I paid every XXXX and they are using this as a power play to ruin my credit. I told them how difficult it was during the pandemic to keep our heads above water and our credit semi good. No bankruptcies or anything else just some slow pays. We are just now getting back to some income rhythm. I explained the extenuating circumstances and the boy named XXXX explained they could not do a goodwill gesture. That is not true, it's down to a power play on their part. 

I have all the documentation to back this up.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (MO)

On XX/XX/2023, i got an alert from XXXX that " Credit Control , LLC '' has opened an account for me in XXXX with account number appearing as XXXX. 
From XXXX website i found that it is showing original creditor as " XXXX XXXX '' and amount as {$3300.00}. 

When i called this XXXX XXXX company on XXXX, it has recording that says leave the voicemail but voicemail is also full - so can not leave any XXXX. 

Then i called XXXX XXXX to find out what is this about and they confirmed that i don't have any active account with them and also don't have any pending balance from past. As of today, i do not have any services from XXXX XXXX. 
So, to me this issue seems like a fraud and i have notified to XXXX as well and they are also investigating. 

I wanted to make sure this XXXX XXXX company is not doing fraud with other people. 

Please get it checked out. 

regards,
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

I got a notification from XXXX that my credit score went down significantly. Then noticed that there was a JP Morgan Chase credit card listed in my credit score that was opened in XX/XX/2022, that was not me. I only have an XXXX XXXX and a XXXX XXXX  XXXX debit card. I have never had an account with JP Morgan.
Consumer complaint received 2023-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a standard credits card with CapitalONE bank, with a credit limit of {$500.00}. 
I am an XXXX XXXX I wanted to use the card to make payments, planning to payoff the full statement amount every month. 
I do not intent to have a credit in time, I am living with XXXX debt and I will keep doing so. 
I requested this new card because I had a credit score of XXXX, and I am aiming to reach XXXX. 
The system told me it was needed to increase the credit account numbers I have. So I requested the CapitalONE credit card. 
I received it a couple of months ago. 
During the request process, I had to upload to them the requested documents at least XXXX or XXXX times. They were keeping asking me to repeat the upload. Finally they released the credit card. 
One day, while paying at a gas station, they blocked it. And I had to upload again and again the same documents they already asked me few weeks before. Eventually they unlocked it. 
Then a few weeks ago they charged me the full statement about twice. So the debited my bank account for twice the full statement amount, going into a negative credit card balance ( balance of about minus XXXX XXXX and XXXX dollars. 
Buy right after, they blocked the card again, requesting again and again to upload the same documents as before. 
I uploaded as usual, as a proof of address, a recent bank statement, plus my XXXX XXXX XXXX mobile invoice, the bill of my vehicle insurance, the invoice of my medical plan, and more. My Company pays me the residence and all utility bills, so I can not produce landline or electricity bills. But I gave them a signed and stamped letter from my Company ( in a letterhead paper ), explaining the situation, and confirming my residence address. 
Anyway, all the uploaded documents have previously been evaluated positively, because with those they initially released the card ; and with the same documents they unlocked it the first time they locked it. 
Buy now it is several weeks the card is still blocked, I also have s credit ( my balance is XXXX ), I uploaded again and again all the required documents, but still they keep my account blocked and they keep my credit. 
No explanation given. 
Please note they accurately never write anything, but they call, so to do not leave any trace of what they are doing. For example, there is no trace of my 10+ uploads of the same documents, over and over. 
Of course I deeply regret I started to engage with XXXX, XXXX requesting their card obviously made my score to decrease for their hard check. I do not want to start again with some other bank, so I have to stick with them. 

Please assist me on unlocking my account. Please advise if I have to take any further action, and which one. Thank you in advance for the assistance.
Consumer complaint received 2023-07-13
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: Navient Solutions, LLC. (OH)

On XX/XX/2023, my private student loan provider Navient, was supposed to take a scheduled payment from my bank account as they have in the past. Navient sent 17 test payments to our bank account to confirm there were funds available. There were funds available in the account. This is verified by our bank statements. The company Navient never completed the transaction. I called the company and ask why they did not take the payment. They said there was an issue at our bank. I contacted my bank and talk to the bank manager XXXX XXXX, who confirmed it was not an issue on the banks en, that the issue was the company Navient never actually pulled the funds. As a result of Navient not pulling the payment this is now reflecting as late on my credit report. I have attempted to talk to Navient several times to resolve this issue, they have not been able to resolve after being told there were retractions to credit reporting. The retractions have not taken place. It has been roughly 6 months and my credit is effected by their error. I have documentation from my bank including a statement from the bank manager stating the issue was not mine or the banks but the issue was with Navient not taking the payment from my account. 
Attached are bank statements showing Navient sent test payments to my bank but never pulled the payments. Navient admitted THEY MAY HAVE HAD AN INTERNAL ERROR ON THEIR END by not pulling the payments. This is something I have no control over and should not be responsible for their internal errors. Once I submit the payment it is up to the company to take the payment from my account. My account reflects available funds. Also attached is a short summary from my bank manager who also confirmed our bank account was active and did have the funds but it was Naviant who neglected to actually pull the payment.
Consumer complaint received 2023-06-11
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. (OH)

Have contacted the companys with the following account numbers and have failed to provide singntures of both mine and theirs which proves I dont have a contract with them they can not provide a contract so the following accounts must be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Affirm Holdings, Inc (NY)

I obtained the loan for {$470.00} from affirm.com to pay in 4 installaments for the purchase of XXXX XXXX XXXX from XXXX XXXX XXXX Order # XXXX on XX/XX/XXXX. 
I emailed to the merchant when my purchased sunglsses would be shipped since no information was provided in the order or on the website on XX/XX/XXXX. 

Merchant responded that it would be in 7 to 12 working days, and it was on the website.

Since it was an obvious lie I emailed back on XX/XX/XXXX after receiving this reply either to cancel that order and refund money or provide me with the exact day my order would be shipped. 

Somebody presented as XXXX replied that would forward my request to some administration area if my " order '' was not processed - while it is still in " Processing '' status as per attached screenshot on XX/XX/XXXX. 
I replied back to provide me that my order was canceled, and did not received a reply. 

Since it became obvious that it was a scam I contacted affirm.com on XXXX for the loan ID : XXXX used for this purchase, XXXX from Customer Service XXXX I explained her the issue, and also that according to XXXX XXXX XXXX the XXXX XXXX out of XXXX with 770 reviews that it is a scam site stealing money. 
I also told her that can provide email thread communication with that " merchant ''. 
She told me that understand the issue, created dispute case # XXXX, that all 3 future installments will be put on hold during investigation, and she escalated this to the senior team. 

On XXXX I received email fomr affirm.com that the next installment will be posted to my XXXX XXXX on XX/XX/XXXX. 
Right after I called affirm.com Customer Service ( XXXX ) XXXX and talked to XXXX. 
She told me that there is no case number yet, and all XXXX installements of {$110.00} each would be withdrawn from my XXXX XXXX. 
To conclude, affirm.com was sided with the cheater to get its cut and not the victim of this online scam.
Consumer complaint received 2023-06-11
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. (OH)

Have contacted the companys with the following account numbers and have failed to provide singntures of both mine and theirs which proves I dont have a contract with them they can not provide a contract so the following accounts must be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.
Consumer complaint received 2023-06-26
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. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX & XXXX, XXXX XXXX  & XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX , has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my account was never XXXX days late. account was only approved for deferal. 
please remove these XXXX  day late for each month noted. 
i am entitled by FCRA to request this be corrected and removed.
Consumer complaint received 2023-06-19
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. (WI)

In accordance with the fair credit reporting act the list of accounts below has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Account name : XXXX XXXX XXXX XXXX  Account # XXXX balance {$140.00} Account name : XXXX XXXX Account # XXXX, balance {$990.00} Account name : XXXX XXXX  Account # XXXX, status Account closed 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 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 2023-06-26
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I ordered a copy of my report in IdentityIQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX  XXXX Balance : {$230.00} I believe it was reported in error.
Consumer complaint received 2023-07-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Subject : Dispute of Alleged Account Account Number : XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim with prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. 

As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. 



I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. 



Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. 



Respectfully, XXXX XXXX XXXX