davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MO)

I got a loan from tower loan put my car up for collateral. I set up payment as automatic bill. First payment came due XX/XX/2017 I waited a week then called them to find out why they had not taken the payment. I was told I would have to come into the office and I said it was automatic bill pay and they said they would take care of it. Another week went bye and still no payment came out called back and they need checking account # because they shredded it so two days later I called back for to give them checking account info. One week later still no payment came out. Called back and heard I would have to come in office and fill out another form. No problem did that couple of months went by bank rejected a payment called them and took care of it. 4 months went bye same thing happened when I tried to take care of it they said if it happened again I could no longer use auto pay fine I had them cancelled it so I could use my debit card on Friday to pay them. On Friday I called to make payment and they said I couldn't do that that I would have to come into the office I was in Pennsylvania no way so contacted their home office in Mississippi so I could pay bye debit card or online he said he would take care and he would call me back never did I called him and he said everything was taking care of. In the meantime XXXX was calling my job for me to call. At this point I'm irate to say the least. I go online to pay bill and I still can't pay it. So I call their management again and I here cash or money order so he asked me when I would be home I told him end of XX/XX/XXXX not good enough. So I asked what was next they repossess my car I hear no they didn't want the car they would abartrait and I said OK and hung up. So I called my attorney to find out if I could legally consolidate them so thats what I did. Today I was served papers that their sueing me and I have to appear in court after excepting to negotiate with dept company.
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Only XX/XX/2018 I had made a purchase that was advertised on XXXX who then took the company down from advertising and doing business from their site for fraud. No item received - no refund even though the seller had wrote an email on XX/XX/2018 saying the money had already been refunded. Both PayPal and my credit card attached to PayPal have sat on this issue for 33 plus days. I pretty much filed on XX/XX/XXXX or so. 
XXXX XXXX  XXXX XXXX  says they see no credit and when trying to call the real merchant at XXXX as its only an online site, that dont get the real merchant they get PayPal whom they both are blaming each other. The facts are I filed a XXXX  complaint on both companies and I do that as a first step in hopes that the company can resolve civilly and also that I have proof I filed a case. 
On XX/XX/2018 a XXXX XXXX at PayPals executive office/executive relations wrote me saying he would like to discuss this matter. I asked why he sat on a claim for 33 plus days. He said I filed it wrong but they wouldnt allow my to refile. They knew and never responded for over 30 days that they had XXXX  case open but they did nothing. They seemingly like fraudulent sellers much like the card I have attached to PayPal. XXXX says he opened it and then closed it because he has proof that the seller refunded but my bank hasnt seen it and I have not either. 
XXXX was rude so I gave him the same attitude back threatens me with Im being recorded ( like I care ) when they dismissed a XXXX complaint - which I know they can but I at least try to resolve on that level before I have to go higher. 
XXXX seemingly thinks its normal to sit on no refund of merch for 33 days. 
How these companies are allowed to do this when I showed them proof months ago I dont know. 
XXXX needs to fired. Total liar and really couldnt tell me why he didnt respond to the XXXX - it was only until XXXX called them that they decided to respond to make themselves look good.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have tried to resolved this issue on many occasions with the three credit bureaus about late payments on my XXXX XXXX XXXX credit card to no luck. I have written letters to the company as wee as I was instructed to do.XXXX  states that they do not respond to inquires but to send a letter to the three credit bureaus explaining my dilemma and they will remove the late payments considering it was no fault of mines. I was alone told the bureaus will remove which they did on the pay status bit not the pay history of my account. This has ben going on for months and every time I either call the bureaus to inquire I get a different explanation each time. Every time I call XXXX XXXX they tell me the letter of explanation should be sufficient. I would just like to know where it states late payments the status shows {$0.00}, but the pay status shows the late payments .The informed was changed on one column, but not the other
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I was denied a bank account by two credit unions XXXX XXXX and XXXX XXXX and were denied accounts by both because of what was found in my chex systems they both stated that chex systems showed where I mishandled a checking or saving account. After reviewing my report I did not see anything wrong with my report and called chex systems to explain the report to me. The agent stated that there was no indication of any mishandled accounts so I called both banks to see what they were viewing and they told me I have to refer back to chex systems and they had to remove the comments that were preventing my from opening the account. Chex systems stated that there is nothing that I could do and to go back to the bank. I would like to know what I need to do to clear the items that are preventing me from opening a bank account its not clear what's wrong.
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

This letter is regarding an account established in XX/XX/2014, which you claim I owe {$1100.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-02-13
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

This complaint is to report the inaccurate credit reporting by JPMCB. The JPMCB XXXX should be immediately deleted from my credit report due to incorrect information. This account says that it was purchased by another lender so why is it reporting as a charge off account with late payments? This is a violation of the FCRA. Also, the company that purchased the account is already reporting on my credit report. Each of the credit reporting agencies are reporting different information. How can this be possible when all data furnished should be the same? XXXX is reporting that I was 35 times, XXXX is reporting that I was late 6 times..how is this possible? XXXX is reporting that the account is closed with no payment history whatsoever. There are so many inaccuracies within this account, and I demand that it is removed immediately. I was also not mailed a XXXX for the write off of this account. There are so many violations that I can take legal action. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am requesting for the deletion of this account for inaccurate reporting. I will attach the letter that was sent to the credit bureaus and my credit report showing the inaccurate information.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX. I know I am a victim of Identity theft and I started this process and took the correct procedure to get the fraudulent activity off my report over a year ago, XX/XX/XXXX to be exact. The account and inquiries still continue to report even after a full year. This is ridiculous! I not only filed a police report, I also faxed and sent all documents certified mail. I also have hired an attorney XXXX XXXX of XXXX & XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Al XXXX. He has noticed several breaches in the FCRA committed by TRANSUNION, XXXX and XXXX This has to stop. Here is a list of all the accounts and inquiries that are fraudulent. 

XXXX  XXXX XXXX XXXX XXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX/ XXXX XXXX XXXXXXX {$790.00} XXXX & XXXX/XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXXX {$950.00} Bankruptcy chapter XXXX -petiton filed/US BKRPT CT AL XXXX XXXX INQUIRY- XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION Chapter XXXX bankruptcy filing/US Bankruptcy XX/XX/XXXX ref no. XXXX I have never filed bankruptcy.. this is under a different name XXXX XXXX XXXXXXX {$790.00} XXXX XXXX  XXXX XXXXXXXX {$1600.00} All these accounts and inquiries don't belong to me an I have the proof to show that. I have reached out to each creditor and informed them of the fraud that took place. 

As my lawyer XXXX XXXX stated in our claim, we feel as if these individuals ' are responsible for their bureaus negligence and non compliance with the FCRA and will be named on our lawsuit TRANSUNION XXXX XXXX EVP Compliance and Litigation Transunion Corp XXXX@transunion.com XXXX XXXX Executive Vice President Transunion Corp XXXX@transunion.com XXXX XXXX Director Fraud and Identity management Transunion Corp XXXX@transunion.com XXXX XXXX Senior analyst consumer experiences Transunion Corp XXXX@transunion.com XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion Corp XXXX@trnsunion.com XXXX XXXX XXXX President US Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XXXX XXXX XXXX XXXX XXXX XXXX XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX  XXXX XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance  XXXX XXXX XXXX XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Corporate vice president chief legal officer XXXX XXXX XXXX XXXX  XXXX XXXX Customer Service Manager at XXXX XXXX XXXX Email : XXXX XXXX XXXX Operations Manager XXXX  XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX XXXXXXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

HSN ( home shopping network ) account number XXXX was paid in full earlier this month. When i pulled my credit to check to see if it was reporting correctly I see that they had reported this account as late from XXXX of XXXX to XXXX of XXXX and this is incorrect. The account was never late, all payments were made and proof of payments exist. This account was enrolled into a debt management program in XXXX and they made my payments each month. When I called HSN they say that because my account was taken over by Synchrony Bank  they can not provide proof that the payments which they reported as late exist and this is a violation of the FCRA in which it says that all information reported must be accurate, complete and verifiable. They are in violation of these federal laws. I am requesting that all references to late pays on this account be removed from all 3 credit bureaus. This complaint is not asking that any reference to a dispute or investigation be placed on my credit files but they remove all late pays as it can not be substantiated or verified. This account is closed with a zero balance and they have no financial ties to this anymore. They are also putting comments on this account that is is being handled by a 3rd party company for payments and this is now incorrect. 

I am asking the CFPB investigate them for violation of the law if they choose not to remove the late pays and false comments. I will be taking them to court and suing them for this violation which carries a fine of nothing less than XXXX per instance if they choose to not follow the law and remove the late pays. I would ask for full attorney fees reimbursement as well if they want to go to court.
Consumer complaint received 2019-04-09
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. (NY)

The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX   Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$260.00} Opened:XXXX Account : XXXX Account # : XXXX Account : XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX Account # : XXXX Balance : {$750.00} ( Limit ) Opened : XX/XX/XXXX
Consumer complaint received 2019-04-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (GA)

I have sent prior request about a Mortgage reporting inaccurately on my credit report. There are plenty of errors concerning my account and the way this company kept its records. This account was reported by this company as being in a Bankruptcy Status since XX/XX/2011 however was never reported or updated to the Credit bureaus Please explain how and why this account was not reported correctly? I have sent more at least 3 request through the CFPB and they have admitted to this an other accounting errors on my credit report and stated they updated the payments but they have not
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

A review of my credit Equifax rating score was listed as XXXX on ( XX/XX/19 ) .And then upon another review made on ( XX/XX/19 ) found my then current score to be XXXX. Further invest of my credit report indicated that only two open accounts between the dates of XX/XX/19 & XX/XX/19 were updated by the lenders. 
1. XXXX reported a decrease of XXXX 2. XXXX Loans reported a decrease of XXXX. 

I then initiated a dispute with Equifax ( EQ ) on XX/XX/19 and a subsequent follow up was received ( XX/XX/19 ) from EQ without a credit correction score posting. Upon telephone ( call XXXX XXXX XXXX ) was advised that EQ could not explain the reason for posting the XXXX point decrease and/or that there was nothing that they could do to resolve this matter.
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NY)

I have a garnish against me and just found out Trough the bank,, I never received a court order and no documents for me to know whats going on,, they put a hold on my bank acct and is against the law to sue someone if they dont know,, I never get the chance to defend myself
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To Whom It May Concern, My XXXX Account was Stolen for the amount of XXXX USD and was Wire Transferred to a Bank Of America Account XXXX, XXXX XXXX. Since then i have not received any information as to what has happened. Last time i spoke with Bank Of America they were investigating money laundering going on. Its been a couple of years since the incident and still dont have a word as to what has happened. Ive contacted both banks and no response. XXXX   is still holding me liable for what happened on my account. Ive taken both banks to small claims court citibank stated its hard to hack a bank account and bank of america stated i should be suing the person XXXX XXXX in which i do not know where this person lives.
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (NJ)

My account was " temporarily restricted '' on XX/XX/2019. All I tried to do was transfer funds into the account from a linked external account. I've attached the email at the end of the complaint. 

It has not been more than two weeks and my funds are frozen. No transfers in or out are allowed. I have absolutely no access to my funds. 

Moreover, no explanation as to why my account has been frozen has been given. All I was ever told was " We are still reviewing your account because our system alerted us to some inconsistencies between activity on your account and the terms of our member agreement. We do not currently know what specifically those inconsistencies are and that is why we are taking the time to review everything before we reach out to you with an update. '' Even after I asked them about which sections or clauses of the member agreement were violated, they never got back to me. Customer Service has absolutely no information on this. They haven't made any progress on this " review '' after I've repeatedly made it clear that there has been no fraudulent activity on this account. 

-- -- -- -- -- - Original Email : " Hi X, We take the safety and security of our Members accounts very seriously. For your own protection, your SoFi Money account ending in XXXX has been temporarily restricted. 

While we review your account and determine next steps, you will not be able to perform : Deposits or withdrawals from your account Electronic or check transfers to or from your account including Bill Pay Debit card purchases P2P transactions In the event we need additional information for our review, we will contact you directly. We will also notify you once the review is complete within the next 7 to 10 business days. We appreciate your patience while this process is completed. 

Best, The SoFi Money Team SoFi Securities LLC ''