davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (GA)

XXXX bills prepaid XXXX social security act signature is required to discharge debt loans are fraudulent due to XXXX bankruptcy so y the XXXX XXXX stole my car wen dey took my wet signature copy of the XXXX contract and turn it into treasury of state and for XXXX paid the 3rd day after I had possession NO FULL DISCLOSURE OF CONTRACT AND UP UNDER CONTRACT LAW is we 're the misleading practices come in but y'all XXXX now way the he 'll is up but try to keep us down and out not his XXXX XXXX XXXX I AM XXXX AND U XXXX KNOW DAT SO STOP PLAYING THE XXXX GAMES YO ....
Consumer complaint received 2018-05-11
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: ALLY FINANCIAL INC. (TX)

Hi my name is XXXX XXXX and I have been trying to dispute a charge for my payment of XX/XX/XXXX. I scheduled the payment to be withdrawn from my account. On XX/XX/XXXX, XXXX XXXX XXXX has withdrawn {$680.00} from my checking account. On XX/XX/XXXX, I get a call from Ally saying my payments did not go through and I have statements from my account proving that the payment was successful. How do I go back getting this resolve so it would not effect my credit score and account. Thank you.
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (OH)

i attended XXXX XXXX in texas for less than a month before they closed the school because they were taking students money. i never recived any money from XXXX but i have proof saying i paid it back but its still affecting my credit report. I also have XXXX apartments i lived at 3 years ago on my credit report and when i went to court for XXXX they told me they were not going to hold the money against me they just wanted me out the apartment i left but now it is also affecting my credit report. Then there is XXXX ER from XX/XX/XXXX and when i contacted XXXX from billing at the er she says their is no such bill due to the fact i have had medicade since XX/XX/XXXX.
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (WA)

I was in a XXXX XXXX XXXX in XXXX of XXXX. VA was responsible for paying all of my medical bills, including ambulance services, because I am an XXXX veteran, who receives medical care in the community, instead of VA facilities. VA did not pay my medical bills, and now I have been harassed by what I presume to be debt collectors and attorneys. 

However, I believe that some of those callers are scammers.
Consumer complaint received 2018-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My information was part of the XXXX and XXXX data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

Dear Sir/Madam, I am writing to file a formal complaint against PayPal and Venmo ( a subsidiary of PayPal ) regarding the unjust and unexplained closure of both of my accounts. After multiple attempts to resolve the issue with their customer service, I have been left with no clear explanation for these actions and am now deeply concerned that I may be a victim of racial profiling due to my Iranian-American background. 

On XX/XX/year>, I received an email from PayPal asking for verification of my account details, including my ID, address, and a business license ( even though my account is personal ). I complied with their request immediately. My only recent transactions were small : sending {$300.00} to my brother-in-law to cover purchases made while I visited him in XXXX, and a few online payments for services under {$50.00}. 

XXXX days later, without any notice or explanation, my PayPal account was permanently closed, and my funds, including cryptocurrency, were put on hold for XXXX months. When I called PayPal, they informed me that there was nothing I could do. Consequently, I filed complaints with the Better Business Bureau ( BBB ), the XXXX XXXX Washington Department XXXX XXXX XXXX, the Attorney General of Washington, the Attorney General of California, and the Consumer Financial Protection Bureau ( CFPB ). 

PayPal eventually responded to these complaints, claiming I had violated their User Agreement by engaging in high-risk activity. However, they have not provided any specific details or evidence to support this claim. In my 10 years of using PayPal, I have never had a complaint, dispute, or any instance of fraudulent or unauthorized payment activity. My record is entirely clean, making their vague response all the more frustrating. 

To make matters worse, on XX/XX/year>, Venmo requested similar verification information for my account, which had been inactive since XX/XX/year>. However, immediately after requesting this information, Venmo closed my account without giving me a chance to provide the required documents. 

I have repeatedly asked for clarification from both PayPal and Venmo but have received no meaningful response. Given the lack of transparency, and the fact that I have not violated any policies or engaged in any risky transactions, I am forced to conclude that my accounts may have been flagged due to racial profiling.

I urge your organization to investigate this matter further and hold PayPal and Venmo accountable for their unjust actions. All I am asking for is a clear and reasonable explanation for the closure of my accounts. If I have violated any policies, I welcome specific details so I can address the issue. However, if racial profiling is at play, this must be addressed immediately. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
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. (NC)

On XX/XX/2020 I sent in a dispute. And on XX/XX/2020 it was finished. With no explanation of how this was verified. The item was paid by insurance. I would like this item reinvestigated and taken off my credit.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX a late fee of {$38.00} was assessed to my account.

On XX/XX/XXXX a refund of the late fee of {$38.00} was allegedly refunded to my account. 
I was told by XXXX of customer service ( onXX/XX/XXXX ) that I still had to pay the late fee because it was already billed to me ; however, my amount due would ultimately show less in the future, providing I made no more purchases. I have not made a purchase from XXXX 's  stores since XX/XX/XXXX. 

I paid {$92.00} to bring my bill current ( all in the month of XX/XX/XXXX) as instructed by XXXX 's  Credit Card Customer Service Rep, XXXX. 

My monthly notes due had been averaging approx. {$27.00} a month ; however the bill that is due for the month of XX/XX/XXXX is now {$38.00}. When I asked, how XXXX determined that my minimum due is {$38.00}, I was told by the XXXX 's Customer Service Rep that their minimum requirement varies. Although I have not made any additional purchases since XX/XX/XXXX, the minimum amount due XX/XX/XXXX of {$38.00} is the " same amount '' that XXXX XXXX Credit allegedly refunded me. I see this as deceptive and a possible violation of fair trade practices, I am not at all comfortable with using XXXX 's Credit Card Service to do business with them!
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I inadvertently overpaid my Bank of America credit card. When I called to get a reimbursement for the overpayment they refused to reimburse me for several days and insisted I would have to call again after 3 business days so they could verify my payment. The payment was already posted from my bank account. Overpayment was {$1300.00}
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

I am writing today in hopes to gain your help. Currently I am working on going over my credit, paying down my balances, and pursuing better credit worthiness. 
You play a significant role in this process. I am asking about the account number referenced in this complaint. 

I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2018 and I am submitting this to get this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Consumer complaint received 2018-04-23
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. (DC)

I have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXXXXXX XXXX XXXX XXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX and Equifax for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXXXXXX XXXX XXXX XXXX XXXX. 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXXXXXX XXXX XXXX, XXXX. directly, requesting the correction of this erroneous information. However, despite my request, both XXXX and Equifax have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of XXXX and Equifax to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that XXXX and Equifax, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-17
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. (TX)

I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXX XXXXXXXX XXXX, XXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX and Equifax for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX. 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXX XXXX XXXX XXXX. directly, requesting the correction of this erroneous information. However, despite my request, both XXXX and Equifax have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of XXXX and Equifax to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that XXXX and Equifax, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-24
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. (MO)

Im trying to purchase a home and I would like if the repossession remark be removed from the comments, also Ii dont believe I was ever late on my payments so Im respectfully requesting in good will that they be changed. According to the FCRA Im in my rights
Consumer complaint received 2016-11-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (CA)

I was contacted several times by this agency, while i was at work even do i asked not to because it was compromising my job. 
I already know that this company used this unique way toward other people to get their process done.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have three issues With TransUnion that I believe in direct violation of my consumer rights. First, will start with address change. XX/XX/XXXX I disputed and submitted a formal request to change to my correct address and report my legal name. I sent the required identification requested by TransUnion. XX/XX/XXXX sent a confirmation letter and deleted the disputed address. XX/XX/XXXX, I received a letter from another dispute. I notice that TransUnion re-inserted the deleted name without informing me in writing that they were re-inserting the deleted address. Second. TransUnion is reporting a collection that the 7 year time limit has expired for XXXX XXXX XXXX XXXX reviewed their files and admitted that the statute of limitations ( SOL ) had expired. Tennessee statute of limitations is 6 years. XXXX XXXX   states that the account in question expired XX/XX/XXXX XXXX XXXX   informed me to contact TransUnion. TransUnion have been informed formally several times. TransUnion has reported this account 2 years beyond SOL years. I have formally disputed this era to TransUnion several times. Third, I recently have been informed that there is a bankruptcy that has been maintain under my social security number. TransUnion was sent a formal letter disputing the bankruptcy. They were asked to validated there information and provide me with copies of any documentation. I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus. A formal letter was sent to TransUnion XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX TransUnion sent a letter stating bankruptcy dispute have been verified. XXXX XXXX. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/XXXX.
Consumer complaint received 2017-11-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX XXXX XXXX took {$5000.00}. dollar and they said they were going to help me with bank of America due a modification. when I try to reach out to them no one has answer my calls or emails and the phone does n't work now.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2018-05-11
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 had on ongoing problem with EXPERIAN and an account they have on my credit report. The account is XXXX XXXX XXXX # XXXX. I have, on 4 occasions, written them disputing this account and its validity. I have REPEATEDLY asked them ti send me ANY document with MY SIGNATURE on it authorizing this account. They have ignored all requests for this proof and just say information is " verified ''. 
Under the FCRA I'm entitled to see proof, my signature, that this account is valid and mine.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (TN)

XXXX XXXX XXXX reported a forcible entry and detainer case to credit bureaus XX/XX/XXXX.The case was dismissed XX/XX/XXXX in general sessions court ( voluntarily non-suited at plaintiffs cost/dismissed. ) I contacted warfield many times since dismissal-general court clerk faxed dismissal to them XX/XX/XXXX, they still will not remove from my credit report, instead when I dispute with XXXX credit bureaus and its removed they update report by adding a dollar to amount owed. In XX/XX/XXXX they updated report twice- by stating I had paid 5 % of the collection amount which is totally not true-by adding a dollar to amount {$1100.00} then $ XXXX.I was told by court clerk that I owe nothing because case was dismissed.Here it is 3 months later and again they have updated report increasing amount owed.I been refused housing and credit because of there continually updating my report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.