davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC (PA)

Hello Team, Due to the pandemic my credit profile was damaged as there were lo of errors and inconsistencies in the credit report. To fix this i joined a credit repair company named 90 days credit repairs. They falsely claimed me and said they will give XXXX points increase warranty in 90 days. Also they tricked me and put me in a contract spanning for 1 year and i was asked to pay {$100.00} per month for their services. I agreed and started paying them monthly {$100.00} and i paid for 3 months. However they did not show any results not even a single point of increase on top of that they did not communicate well or did not showed any transparency as what were they doing. Even after multiple attempts nothing changed and their claim of XXXX points warranty in 90 days went false. 
Since this was my first time to work with a credit repair company i still gave them a chance and waited for more 90 days but still there were no meaningful results. 
During this period they put a contract account by name Denefits LLC on the Credit Bureaus and started reporting Negative acitivity on my credit profile damaging my credit badly since i had stopped paying them. 

Now Denefits LLC team are Harrasing and Threating me that they will file a lawsuit against me in the court for a amount of {$700.00} +. they are giving me regular phone calls and harrasing me also they re asking e to settle down this contract by paying {$700.00} + amount. 

I need immediate help to get out of this situation, Thanks, XXXX
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I COSIGNED FOR MY DAUGHTER HER FIRST CAR. SHE ACTUALY PAID ON THE CAR NOTE FOR COUPLE YEARS. HER FINANCES AS WELL AS AS MINE WERE GREATLY AFFECTED DUE TO PANDEMIC. IT WAS NOT LONG AFTER SHE FELL BEHIND ON HER PAYMENTS THAT SHE WAS IN A CAR ACCIDENT AND THE CAR WAS UNABLE TO BE DRIVEN AND WAS SOON REPO.
Consumer complaint received 2023-11-06
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: MoneyLion Inc. (FL)

okay I purchased something at XXXX and I guess they had a scamming machine or something like that because after I purchase something there few hours later money ended up missing out of my account and it was XXXX. missing out of my account and let alone this race track is in XXXX Florida and the money was withdrawn from a XXXX XXXX XXXX in XXXX Florida and the weird thing is about it. is that looking at my XXXX XXXX showing the transactions information? it shows XXXX with the store number XXXX and where the money was withdrawn the XXXX there. the stores name is XXXX with the same ending XXXX same number. so I'm guessing that somebody at XXXX XXXX had a scamming machine or something like that because it's weird that after I did that transactional XXXX XXXX money ended up missing out of my account that I ain't authorized and I told my bank about it that it wasn't me and I even showed them proof of my location. they still telling me that is no error that basically I did the transaction because there's no way of they took out money without my my card at a XXXX when they did do it without my card and I'm fighting to get it back but they still don't want to help me give him my money back and they're telling me that it's not error
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MI)

CITIXXXX XXXXXXXX XXXX XXXX XXXX JCPENNYXXXX XXXX In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. 15 usc 166B, states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (CO)

Been a customer for almost 2 years. Had a replacement card stolen and used and haven't been able to get credited for the amount that was stolen. 

Heres the summary : XXXX  - I was notified of the requirement to get a new debit card. I didn't request it, but was told it had to be done because they were upgrading their systems. 
XX/XX/XXXX - Card was delivered. I got notifications to activate the new card. I didn't activate it because I had not retrieved it out of the mailbox yet. 
XXXX  - Card was Stolen out of my mailbox before I could retrieve it. I have XXXX XXXX footage of this. 
XX/XX/XXXX - Card was used by thief XXXX  - I disputed the transaction and requested to have the card canceled immediately via email - the only way to get in touch with Found at night. 
XX/XX/XXXX - Card was used by thief about 25 more times for a total of ~ {$3000.00} XXXX - Chatted with Found support to cancel the card. The support rep admitted that there was no way for me to cancel the card myself, because I did not go through the " activation process. '' Attached is part of the chat that shows the card wasn't activated. 
XX/XX/XXXX - Reported all fraudulent transactions. 
27 business days with no update or provisional credit applied. ( Well beyond Reg E requirement. ) XXXX - Was informed that only some fraudulent transactions would be credited, but not the other ~ {$2300.00}. I tried to speak to somebody who could help, but the support reps wouldn't allow me to speak to anybody in the Risk department about the transactions. Over the phone, the rep did confirm that debit cards are sent in the mail already activated and available for use even though all messaging indicated that it would have to be activated prior to being used. I was told I would receive a call back from a supervisor who might be able to help. 
XXXX  - Asked for more information/details; requested to speak with somebody countless times with slow/no response XXXX  - Email response from a rep indicating that I was responsible for the charges because I didn't keep account details/PIN secure, but no details about this. 
XXXX - Sent email with mention of Reg E non-compliance with XXXX copied XXXX  - No update or resolution communicated
Consumer complaint received 2023-04-12
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)

Attached Identity Theft Report The following account is fraudulent and fraudulent charges were made the creditor agreed to remove this account. 

XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

My wife transferred {$500.00} USD to my paypal account on Sunday XX/XX/2023 via an e-check. The ACH transaction cleared my wife 's bank account on Monday, XX/XX/XXXX deducting the full {$500.00} out. Today is XX/XX/2023 and paypal is still claiming the transaction hasn't clear even though I have proof it cleared on the XXXX. When I asked paypal to provide me with a disclaimer or terms and condition that stated it would take this long for my account to be credited on an e-check, they could not provide it. 

My concern is how many people is paypal doing this to ( holding funds after it's cleared the bank ) that benefits their interest ( interest revenue ) rather than processing these timely for the benefit of their customers? Why aren't they warning people about this in a disclaimer prior to accepting an e-check transfer?
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as " late '' for any purpose.
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (NV)

My payment has changed 3 times in the last 4 months the company I 'm I am currently with capital mortgage services has escrow analysis on my account in correctly multiple times the previous loan servicer I was with  XXXX  all is now dissolve company and no longer exist they put on   XXXX   XXXX   insurance and did not update my house insurance policy therefore the insurance was {$2600.00} a year now they will not give me any refund they have took all the money out of my escrow and they are changing my payment and charge me  XXXX  more dollars that my payment was before I need your help please
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I sent a dispute letter to XXXX asking them to provide proof about inaccurate information on my report and asked them to verify and provide proof that these accounts are accurate and belong to me and the only thing I got back was verified. They stated they verified my accounts including a bankrutcy but when I requested the source of the verification, they ignored me. They are in direct violation of the FCRA they says they are to provide non-third party proof or delete. So XXXX lied in a legal document to me and violated the FCRA and I want all my disputed items deleted and updated at once! 
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Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I have been a victim of check and ATM fraud. Someone is using a fraudulent debit card to commit check and ATM fraud on my checking account. On three different occasions, someone used a debit card with my name ( counterfeit debit card ), deposited the checks into my bank account, and withdrew money from my checking account. The fraud totals to {$3000.00}. The first crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. The second crime happened on XX/XX/23 @ XXXX XXXX  at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. The third crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. I did not do or authorize all transactions. My debit card has always been with me, and my debit card information nor PIN has been shared with anyone. A fraud claim has been reported and opened with my bank SchoolsFirst Federal Credit Union, requesting a credit of {$3000.00} back to my checking account. The bank has a video of the person committing the crime with the fake debit card ( they have confirmed it is not me in all ATM videos, but a known scammer to SchoolsFirst Federal Credit Union ). The bank also has all the names of the person names ( payers on the checks ) on the fraudulent checks used. I filed a police report with the XXXX XXXX Police Department for Check & ATM fraud, identity theft, and forgery ( case # XXXX ). The bank is still holding me liable for the fraudulent {$3000.00} transactions done without my authorization and knowledge on my checking account.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I had an automatic payment checking ( XXXX ) account that I closed months ago. I have used this account to pay ALL my bills including OCWEN. As it turns out, OCWEN is the only company I am having a problem with since I closed my checking account. OCWEN computer software is outdated. It keeps trying to collect my mortgage payments even though my checking account has been closed for months. They keep charging me late fees even though I am making payments from a different account ON TIME. In fact, I can not longer make payments through their system since my account has been " late '' so many times. Because of this, I am now mandated to make payments in certified funds ... which I also have to paid extra fees! I am a very busy professional with a challenging schedule and these events are really creating a large amount of pain and suffering. All of these due to their incompetence and inability to solve the problem even though I have called several times!
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (OH)

On XX/XX/XXXX I received a phone call from a private phone number stating they had to serve at my home or my job and to find out more information I would need to call XXXX. When i called the number they threatened to sue me and take me to court for over 4,000 dollars and I told them I did not want to go to court. The debt that they wanted to collect on was more than 10 years old and has not been sent to me by a letter in the mail. I set up payment arrangements for the original amount of the debt which as XXXX initially and the on XX/XX/XXXX XXXX and on XX/XX/XXXX XXXX. They stated that because I did not have the money they could do a hardship and do the payment arrangements. They also stated that I had to stay on the phone and if I hung up at any time I would be sued for the money including court cost. After consulting a free advice lawyer they recommended that I look up the number to see if it is a scam and it is. They call their self XXXXXXXX XXXX XXXXXXXX and I talked to a XXXX XXXX. They had information that I thought a debt collector would know but the way the laser described the fraud of how they attempt to get the money was spot on. Do not give them your money!! Do not disclose any of your personal information to them. Hang up the phone!
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

I applied XX/XX/year> for the Apple credit card knowing that my credit report is clear of any derogatory remarks or delinquent accounts or any sorts of that yet, my apples decline reason keeps stating that I have these on my credit report. Ive seen my report and no such thing is on my report. My credit score is XXXX as stated by them. As also stated by XXXX and also XXXX report is conflicting with the reasons that Apple keeps declining my application
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2023 I called American Express in order to change my mix of credit cards. I have a Gold card and a Blue Cash Preferred Card. I'd like to have both a Gold Card and a Platinum Card. I was told that it is impossible to change a Blue Cash Preferred account to a Platinum since they have different reward systems ( cash back v. reward pts ) ; however, the offer on my Blue Cash Preferred account distinctly reads to upgrade to a Platinum Card for XXXX XXXX. That is a separate offer from the XXXX XXXX  offer to upgrade my Gold Card to a Platinum Card. I believe that this is misleading and fraudulent advertising. I have a screenshot showing the offer on my Blue Cash Rewards account.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

Today, XXXX received an email to confirm my account and log in. All my 3 credit bureaus are blocked and has a fraud warning effective until XXXX. 
I called Chime customer service and I asked them on how can they open an account when all my 3 credit bureaus are blocked or has a warning. She has no reply.
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SVB FINANCIAL GROUP (CA)

On XX/XX/2022, I received a decision from Silicon Valley Bank regarding a conventional home loan application. The bank did their due diligence and checked my credit, collateral, and ensured that I had the funds to qualify for the loan. Silicon Valley Bank denied my application solely on my immigration status and the fact that I only possess work authorization. I am a XXXX  recipient and despite that I told the bank rep that each immigration situation can be very unique and the bank should consider that, they still denied me. My understanding that one can not be denied on the basis of XXXX XXXXXXXX, religion, national origin, XXXX, marital status, or age. I do not believe that the bank is exercising sensible policies in lending. I am a first-time homebuyer and from a historically underrepresented population. I find that their practices are not advancing lending for people from underrepresented communities and not abiding by the CRA. I hope you can help with this decision as there was no other reason for Silicon Valley Bank 's denial.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I AM IN THE XXXX. XXXX  XXXX  me. I can not get a Mortgage to buy a condo. 

These the the copies from Equifax credit report : Credit Report Alerts Equifax Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE Updated tradeline XXXX Equifax XX/XX/XXXX Updated tradeline XXXX   Equifax XX/XX/XXXX Updated tradeline XXXX  Equifax XX/XX/XXXX Updated tradeline XXXX  Equifax XX/XX/XXXX I paid my dues, I have no accounts with XXXX XXXX XXXX Credit Card , I called 6 weeks ago asking them to STOP the reporting since my account is closed and I do not do business with them. They XXXX me again and agagin. 

I applied for a mortgage and got Denied because XXXX from XXXX would not stop sending report to Equifax. 

My credit has been damaged and my mortage denied due to XXXX ( from XX/XX/XXXX- XX/XX/XXXX ).
Consumer complaint received 2018-12-17
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: CL Holdings LLC (CA)

XXXX XXXX XXXX Opened XX/XX/XXXX - {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX - {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$460.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.