davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (GA)

In XX/XX/2020 I decided to end my business with Self lender inc due to the pandemic. I requested a refund of deposit money which should have been XXXX instead self payed out only XXXX in total. The following month they took XXXX from my account which I had to get my bank to do a stop payment that cost me XXXX dollars. I contact the company about the matter and they assured me the account was indeed closed and it wouldnt happen again and my money would be on the way. Well we are now in XXXX and no money has reached me and no one from the company has tried to help solve this problem and return my money which my family could use right now due to my husband being unemployed because of the pandemic. This company also continues to report the card as opened and over the credit limit which is ruining my credit!
Consumer complaint received 2020-10-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a status of 60 days late, Experian is reporting no late payments and XXXX  is reporting a status of 60 days late, XXXX : XXXX is reporting a status of 120 days late, Experian is reporting a status of 180 days late, XXXX  is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian is reporting an opened date of XX/XX/XXXX, XXXX is not reporting this account, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian and XXXX are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account XXXX XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, Experian and XXXX are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX Auto Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, Experian and XXXX  are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2023-11-09
Product: Credit reporting 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. (PA)

I XXXX XXXX have some fraudulent inquiries appearing 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
Consumer complaint received 2021-06-27
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. (MO)

On XX/XX/2021 Experian sent me a email stating that my credit score and report had changes. I logged in and it said my Debt was {$1700.00} causing my score to drop 36 points and shows that my credit utilization went from 13 % to 45 % I called them and advised them that the information was inaccurate and I only owed {$1100.00}. I asked who is reporting the extra inaccurate {$600.00}, they said they can not tell me that. I told them they need to fix it and was told it was not their problem and I needed to fix it. They are messing with my credit score and my credit by reporting false information.
Consumer complaint received 2021-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C. (IL)

Blitt and Gaines p.c is saying I owe this amount to XXXX MasterCard. I asked for proof that I owed it on XX/XX/2021. On XX/XX/2021 they sent a letter stating.we expect to complete our review and any research my XX/XX/2021. On XX/XX/2021 they sent a letter stating they need more time for research. And since then I have received letters every month stating they need more time.
Consumer complaint received 2020-10-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TCF NATIONAL BANK (CA)

The loan dept at tcf Bank does not answer the phone. I have tried XXXX to 7 times in the past month with hold times being a minimum of 2 hrs and the longest being 4 hrs at which I eventually hang up because no one will answer the phone. I tried calling the regular tcf bank customer service and after a wait time of 45 minutes someone answered the phone but said could not help me with loan services. I made a {$110000.00} online payment with a balance of {$110000.00}. I got a statement today that tcf bank is continuing to charge me interest at a higher rate.I need help
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

I applied for a Citi/AAdvantage Platinum Select XXXX 

The advertised promotion was that I would get XXXX XXXX XXXX Flyer points if I would spend {$3000.00} within Three months on the card.
I called the company and told them that I had another older Citi Card, and asked if that would invalidate the promotion on the new card. They said that it would not. They said that each card was a separate account, and the promotion on the new card was separate from any old card. I was assured that the promotion on the new card was valid. 

I called Citi on XXXX XXXX, 2017 and was told that since I had a previous Citi Card, the promotion was not valid, and I would not receive any AA flyer points, even though I had spent the {$3000.00}. I felt cheated, and immediately canceled the new card, not wanting to do any business with a company that treated customers so badly. 

I believe that I am entitled to the XXXX points, since an employer of the company, in a telephone conversation, said I was.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I applied for TJMAXX ( merchant ) card when I made a {$56.00} purchase on XXXX XX/XX/XXXX. 
I never received a credit card due to the misspelling of my name and an inputted incorrect address. The credit card was returned ( according to a customer service rep that I spoke to ) ; and apparently, several bills were sent with accrued fees/interest. Not sure where those bills ended up. XXXX XXXX XXXX. took over the debt and sent me a bill for {$190.00} ( on XXXX XXXX, XXXX ) but when I wrote to them about the problem, they sent the debt back to XXXX XXXX ( original creditor ) who then sent me many copies of statements that had been generated but never came to the correct mailing address. 
I called customer service at TJMAXX on XXXX XXXX, XXXX hoping to pay my original purchase price, but the recording stated that my account has not been activated!?? 
I am afraid to remit {$56.00} instead of the statement amount of {$190.00}, there will be more confusion.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (IL)

On XX/XX/2020 I had fraudulent activity on my TCF Bank checking account that caused my account to be overdrawn by XXXX dollars. The activity was reported as fraud. I have called several times with customer service for them to tell me to go to a bank to get the fees waived. Ive explained to them numerous times Im in California and can not simply go to a branch. They refuse to give me my money back for overdraft fees that were not caused by me, but the activity that was fraudulent.
Consumer complaint received 2017-09-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (FL)

This Complaint is to Ally Financial. 

In XXXX XXXX, XXXX I have financed a vehicle with Ally Financial, XXXX XXXX CC, XXXX XXXX. 

In XXXX, XXXX I crashed my car in a parking lot, and the car had damages in the front, my insurance did not want to pay for the damage since it was in a parking lot, so I took the car to a body shop named " XXXX XXXX XXXX '', they told me that to fix the car it will cost {$3000.00}, at that moment i was not able to pay for that, I even had a payment arrangement with Ally in my monthly payments, my mother was in the hospital, she got both legs amputated, and i had to take care of her so I was not able to go to my job until i resolved my financial situation. 

So, I called Ally I explained to them that the car was left in the body shop, that i was not able to pay the body shop I gave them the address for them to repossess the car, and they never did. Ally called my asking me to pay the full amount own on the account more that {$14000.00}, i told them they should repossess the car, because I did not have the car and I notified them where the vehicle was for them to pick it up, something they never did, i told them i can not pay a car I do not have. 

Now I work in a car dealer ship so I was able to look the History of the vehicle with the VIN number, and i found out the body shop put a lien in the car, they notified Ally, and they never repossess the car, also the body shop sold the car to some body else. That proof that I do not have the car, that I can not pay for a car I do not have, and Ally did not repossess the car, even when they were notified by me, and also by the body shop. See attachment for proof.
Consumer complaint received 2021-06-27
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: EQUIFAX, INC. (NY)

There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. XXXX XXXX has already admitted over the phone that they bought and sold my information to the credit reporting agencies.
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (CA)

SYNCHRONY FINANCIAL - Paypal Credit I received a surprise notice : " This account is closed. You can't make purchases, but you should continue to make payments until your balance is paid in full. ". There was mailed correspondence dated XX/XX/2020, which indicated that my account was closed due to " dishonored payments ''. 

They closed my account without any prior notice due to some dishonored payments. My account had been active for a few years and payments were always made on time. There was no communication or warning, and I couldn't be bothered reading their terms of service which says that they can close an account at any time. If someone encounters technical difficulties when making payments and they are reported as dishonored, then they risk having a closed account at SYNCHRONY FINANCIAL without any notice given. The closed account will also reduce my credit score. Customer service refuses to re-open the account. They also charge a fee for the dishonored payment despite closing the account. And they do so during a pandemic/global crisis. Very poor form.
Consumer complaint received 2021-01-28
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: JPMORGAN CHASE & CO. (NY)

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX  - XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

After filing a CFPB complaint XXXX # XXXX ), which has since closed, the company I complained about, XXXX, put a retaliatory comment on my credit report which has ruined my chances of getting a mortgage. 

There was never a foreclosure on the property I made the complaint about, but after the CFPB 's complaint was closed, XXXX entered the comment " Foreclosure Started '' which has ruined my chance at getting a mortgage. 

Since this property has been paid off and the account closed as of XX/XX/2015, and this statement is both untrue and appears on none of the reports I have seen in the past five years, this action by XXXX is a direct result of filing a complaint. 

I am again requesting the entire XXXX entry be removed from my account as it is there to ruin my credit ( not to accurately report payment history ).
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Loan # XXXX I am filing a second complaint because my issue was not addressed on the first issue that was submitted. I did not ask the company to reinstate the mortgage that was paid off. However, PennyMac should not report the account as closed. The loan was paid off in full and should be reported as such. The payoff of the loan should not negatively impact my credit score. I do not want the loan to reinstated, an account can be paid off and not reported as closed which is the reason why my credit score was impacted. I contacted the credit agencies and I was told the Penny Mac reported the account as closed. My mortgage was originally taken from XXXX and after it was fully paid the account showed a XXXX  balance but was not closed. The PennyMac account shows a closed status because that is what was requested by PennyMac. The company ( that is penny Mac ) needs to properly report the details that were sent to the credit agencies in order to rectify this issue. If it was not reported as closed, I need the information that was sent to the credit agencies in order to address this issue with them. I am asking the company to properly report the loan payoff as paid off and not request the account to be closed. While PennyMac does not have a prepayment penalty, they are intentionally reporting incorrect data to the credit bureau in order to discourage their customers from paying off their loans early. This is not fair and should be addressed.
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

I sold some items in XXXX and my Paypal account was credited. 

I want to transfer that money into my bank account. 

Paypal requires me to provide my bank login credentials ( userid and password ) in order to make the transfer. 

Why do I need to provide my login credentials? 

It is sufficient to provide routing number and my account number. 

Can you please help me get my money? 

Thanks.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MO)

I have been dealing with I C SYSTEM COLLECTIONS for this debt of {$200.00} I asked them to validate this and they never sent me any information and because they couldn't validate they removed this collection from my credit report. This account is three years old according to them. After they removed this item it stayed off my credit report for about a year then they just placed it back on there as a brand new account as of XXXX 2020. They never sent me a letter stating they were putting this item back on my credit report. They are the original creditor that removed it originally. I was never given a proper written notice to dispute this debt or notice that it was going back on my credit report. I called and spoke with a supervisor about this and they refused to do anything about it. I asked to speak with someone above him and was given a name of someone but they refused to give me a phone number stated I could only write in to resolve this. 

Contact # XXXX IC System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MN XXXX
Consumer complaint received 2020-10-07
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: M&T BANK CORPORATION (MD)

My new complaint is that the credit bureaus have refused to fix my credit report. M & T has caused me to not be able to get access to COVID 19 funding or any type of funding because they incorrectly reported to my XXXX payment to my credit because I'm XXXX American. See original complaint below. 




Original complaint XXXX XXXX XXXX M & T Bank Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called M & T bank in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that M & T bank has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX Americans. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with M & T. When I complain M & T responds by retaliating. I am XXXX  and XXXX  of this XXXX  XXXX, what it represents and the XXXX  that it spreads. I've said it before and i'll say it again. This organization is run by XXXX XXXX.