davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX, I was approached by a female I'd known for some time, who said she needed {$160.00} to get her electricity turned back on.I sent the money through PayPal, and she said she wanted to come to see me, but needed money for gas. She was supposed to be here the weekend of XXXX XXXX, but never showed up and kept texting that she needed more gas money. By XX/XX/XXXX, I had sent her a total of {$770.00} and still no sign of her. I asked for my money back, she refused. I then filed a dispute with PayPal, and they denied it. 

I can send you a complete record of the transactions upon request.
Consumer complaint received 2018-08-07
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: ERC (CA)

I've contacted ENHANCED RECOVERY COMPANY multiple times and have sent them a certified letter to try to get information about an item for {$370.00} from XXXX XXXX XXXX   they are trying to collect from me which I have no idea what it is or whom it's about. They submitted information back to the credit reporting agency and said that the item was validated but doesn't explain how it was. I don't know what this account is for nor whom it belongs to as I've had another service for the entire time I've lived at my place and not XXXX XXXX XXXX.
Consumer complaint received 2020-08-20
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)

Hello and thank you for taking the time to investigate my situation with the Experian reporting agency and XXXX XXXX. 

In XXXX my credit rating with Experian was sitting at a healthy XXXX, then all of a sudden points had dropped 41 points dropped and my rating went down from a RED C on my XXXX XXXX and it baffled me. I paid the balance of my credit card account and I was reprimanded with a Red C and a closed account on Experian? My account was never in bad standing with XXXX XXXX never a late payment, I may have been over my limit but never had a debt collector chase me for payment as I always paid my dues or if I went over limit paid extra into my account. 

I was horrified! 

I was planning this year to purchase a home and I had this defaming red C with debt collectors stated on my credit report. 

I rang Experian to find out what it was they asked my to raise a dispute, I did so. 
I rand XXXX and they were stumped why my balance of a {$0.00} was reported as a debt collection and never have they reported my account in collections. 

Today I received another alert on my profile with XXXX XXXX  as a Red C for the month of XXXX and XXXX is sitting with a Green tick to state its open? 

I am floored that Experian is posting my 2 months of one payment of full balance and non used of my card in XXXX as CLOSED ACCOUNTS WITH DEBT COLLECTION???? 

I dont want to be given the turn around again with Experian every time I talk to someone and I want to speak to a supervisor I get the same old " raise a dispute '' I have waited more than a month for them to clear off the XXXX and they have not and now I have one for XXXX. 

Could someone please help this has affected my opportunity get a mortgage or any loan in the market under my name which has never had any issue with any creditor. 


Yours faithfully XXXX XXXX
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (FL)

My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2020-08-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with XXXX, XXXX and Experian. Several accounts on each file. This particular complaint is against Experian. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' Experian, XXXX and XXXX..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my Experian, XXXX and XXXX Files. 
XXXX XXXX Act # XXXX Paid /Closed XXXX XXXX XXXX Act #  XXXX Paid/ Closed I would like the following files removed from Transunion and XXXX method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX   XXXX XXXX XXXX pertaining to XXXX/ XXXX XXXX  XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX   XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on XXXX. 
XXXX XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like Experian and XXXX to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MA)

I had a XXXX XXXX with Ally back in XX/XX/2019. At the time of the purchase the finance director tricked and deceived me by adding a lot of aftermarket insurance that never needed, wanted or asked for. When I realized that after 2 months I called XXXX and canceled everything. The process took so long, eventually the car got totalled. Between what I paid, what my insurance company paid and all the aftermarket cancellations Ally was overpaid by {$2700.00}. They only sent me {$220.00}. 

I have been trying to contact them for the pass 6 months, all I am getting is a turn around. I sent 2 certified letters in XXXX, I sent several emails, between XXXX and XXXX, I talked to several people during the same period, I always get the same answer " a manager will call you back ''. Nobody ever bothered to contact me. 

I am going through a rough time right now, I lost one my job, I can use that money to pay some outstanding bills. 

Attached are copies of all the transactions, letter I sent to Ally on XX/XX/XXXX and emails between Ally employee and I. Eventhough, she promised to follow up, she never did and she stopped talking to me after my last email asking her about my follow up. 

They know it will be hard to sue them because they are out of state. 

Please help. 

XXXX XXXX
Consumer complaint received 2020-08-01
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: Experian Information Solutions Inc. (VA)

On XX/XX/2020, a hard inquiry was made on my credit report by the US Small Business Administration Office of Disaster Assistance. I did not, nor have I ever had contact with the US Small Business Administration regarding a loan or for any other purpose. I have not received an explanation when I contact a representative with the 800 number listed on my credit report with this inquiry.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Notice of Grievance and Complaint RE : Case # XXXX - Citi Reference Number : XXXX Ongoing Credit Discrimination against national origin. 

My original complaint was submitted to the Office of Comptroller, limited in detail, and their organization forwarded the complaint to the CFPB without my evidence to substantiate the complaint and I have herein resubmitted complaint with enclosed affidavit in accordance with the protections expressed therein securing my religious and national origin birthrights for lawful consideration as brought the attention of many of Citibank N.A. representatives that have to sought to undermine my rightful demands to include economic damages. 

See attached documents.
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank charged my credit card account ( issued through PayPal as PayPal Credit ) for a " provisional credit '' that they NEVER issued. I tried to file a dispute with them but that was not resolved even though I provided all needed documentation to prove that Synchrony Bank did not issue me a provisional credit. So they charged my account without authorization. So now I am obligated to pay off the balance that I did not even occur to begin with.
Consumer complaint received 2020-08-01
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)

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, XXXX and Transunuion are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Consumer complaint received 2020-08-01
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. (CA)

I paid off car but company still showing late for month I paid car off. Its keep affecting me using my credit to buy a house or refinance my new car. I have called company multiple times for they can fix it and it has not been done even now and car was paid in XX/XX/2020 its XX/XX/2020 XXXX
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XX/XX/2017, I opened a Saks Fifth Avenue store card that was serviced by Capital One ( SaksFirst Store Card ). Not long after opening the SaksFirst store card, I was diagnosed with XXXX on XX/XX/2017. 

Due to the length and nature of my treatment, I did not use the Saks card for the first few years after opening it. 

After my father passed away on XX/XX/XXXX this year, I planned to use the Saks card for a dress shirt for his funeral. Due to the COVID-19 restrictions in my state, we were not able to schedule a wake and burial until XX/XX/XXXX. 

I tried to purchase a dress shirt on XX/XX/XXXX, but I was informed that my account was closed by Capital One due to inactivity. 

I am not so much concerned about losing the access to the credit line. My main concern is my XXXXredit score. I was notified today by my credit monitoring service that the closed account caused a substantial drop in my credit score. 

I understand full well that closing inactive accounts happens every day and is extremely common. Seeing that the account was closed less than 3 weeks ago, I was hoping that there would be some possibility that it could be reopened. 

I have been through so much these last few months, and I feel like I keep getting knocked down. 

Either way, I appreciate the consideration. 

Sincerely, XXXX
Consumer complaint received 2020-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I went to Citizens Bank today in XXXX, Ohio. I asked them to close my account and I asked them to check if I was going to be able to keep the promotion. The teller then asked her manager. When the manager came back up to the window, she said that she was not sure. I asked her if she would be able to find out, expressing some confusion on why she would know the answer to such a basic question. In fact, I already knew I would be able to keep the promotion but I wanted to hear them say it so that there was no confusion. I was then asked to leave because I was being rude. I told them that this is XXXX because I did not swear them and I did not yell at them. I was a little irritated but this was because they were lying to me about not knowing or did not have the basic competence that even bank consumers have. I was very polite to them. And they started yelling at me. I felt humiliated when they handed me my driver 's license to them. I politely left and I went to the bank in XXXX where I was able to very easily close the account. Please ask them in XXXX if I was rude. I was not rude and they readily knew the answer to my question. What XXXX branch manager did not like about me was the XXXX of my skin. That is all she knew about me.
Consumer complaint received 2020-08-01
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. (NY)

I AM IN THE PROCESS OF BUYING A HOME AND I HAVE REVIEWED MY CREDIT REPORT AND SAW A FEW INACCURATE ITEMS AND ITEMS WITH HIGH BALANCES THAT ARE PREVENTING ME FROM CLOSING OUT MY DEAL. I AM AWARE OF THE ACCOUNTS SINCE LAST MONTH AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS DISPUTED ON THE REPORTS ATTACHED. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.
Consumer complaint received 2020-08-01
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. (PA)

This is regarding the XXXX XXXX store credit card issued by XXXX. In XXXX I XXXX I went to XXXX XXXX store in XXXX of XXXX to buy electronics. After purchasing I went to the cashier to apply for the XXXX XXXX credit card. The cashier took my driver license and processed the application. After processing the application the cashier told me that my application is rejected due to information mismatch. So I used my credit card to pay for the purchase. After one month I received a statement from XXXX showing that I opened the credit card and it was showing a annual fee of {$30.00}. I called XXXX and told them that my application was rejected in the store and I used my credit card to pay for the purchase. I requested them to close the account because I don't want to pay for the annual fee. They told me that they will close the account. After one month when I checked my credit report it was showing 60 day late payment remark on my transunion, XXXX  and XXXX  credit reports. I immediately called XXXX and reported the matter. They promised to close the account and remove the late payment report from the credit reporting agenies. In XX/XX/XXXX when I checked my credit report, it showed a serious delinquent or missed payment report on my credit report. I AM GOING TO XXXX XXXX  AND THIS REMARK IS CAUSING ME PROBLEMS IN GETTING LOANS AND APARTMENT LEASE. PLEASE HELP ME TO REMOVE THIS REMARK FROM MY CREDIT REPORTS, SO THAT I CAN GET LOAN FOR MY XXXX XXXX.
Consumer complaint received 2020-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 bureaus and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and CAPITAL ONE BANK USA with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

This is regarding the best buy store credit card issued by CBNA. In XXXX I XXXX I went to best buy store in XXXX XXXX  XXXX to buy electronics. After purchasing I went to the cashier to apply for the best buy credit card. The cashier took my driver license and processed the application. After processing the application the cashier told me that my application is rejected due to information mismatch. So I used my credit card to pay for the purchase. After one month I received a statement from CBNA showing that I opened the credit card and it was showing a annual fee of {$30.00}. I called CBNA and told them that my application was rejected in the store and I used my credit card to pay for the purchase. I requested them to close the account because I don't want to pay for the annual fee. They told me that they will close the account. After one month when I checked my credit report it was showing 60 day late payment remark on my XXXX, XXXX  and XXXX credit reports. I immediately called CBNA and reported the matter. They promised to close the account and remove the late payment report from the credit reporting agenies. In XX/XX/XXXX when I checked my credit report, it showed a serious delinquent or missed payment report on my credit report. I AM GOING TO XXXX XXXX AND THIS REMARK IS CAUSING ME PROBLEMS IN GETTING LOANS AND APARTMENT LEASE. PLEASE HELP ME TO REMOVE THIS REMARK FROM MY CREDIT REPORTS, SO THAT I CAN GET LOAN FOR MY XXXX XXXX.
Consumer complaint received 2020-06-01
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. (MD)

I have disputed inquiries on my credit report to XXXX, XXXX  and trans union in regards to unauthorized inquiries. I have been contacting each of the companies since XX/XX/2019 to no resolve. I received letters staying that my request are frivolous. 
This is causing me and my family great hardship in the current crisis. I am a XXXX veteran trying to use my VA benefits to obtain a mortgage. With all the inquiries on my reports, makes it impossible to get an approval with a great rate and less money towards upfront fees.
Consumer complaint received 2020-08-03
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. (NC)

this is my second request, and the answer to XXXX and transunions request is, I XXXX XXXX did send this and the prior report. I m a victim of identity theft, please review the information that i sent you before an now
Consumer complaint received 2020-08-01
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: TRUIST FINANCIAL CORPORATION (FL)

I have several loans that i borrowed back in XXXX  while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.