davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK (LA)

I could not do a bank-to-bank transfer for over a limit of {$14000.00}. I filed an additional online payment of {$2000.00} for a check to go the vendor. After 2 weeks of nothing happening I called and was told the check was " suspended ''. I did a {$2000.00} transfer then to complete my payment to the vendor. The vendor later received the check, voided it, and returned it to me. On XX/XX/XXXX I filed an online cancellation of the {$2000.00} check. I had a {$37.00} fee charged to my checking account for this. It is now XX/XX/XXXX and they still have not refunded the check. I have sent repeated messages. The one response said they wait up to 48 hours to refund. It has now been 18 days. 

In summary, I just want my money back. This is such obvious fraud I can't believe they are actually doing this.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (DE)

On XX/XX/XXXX, I called Barclays to cance a AAdvantage Aviator Mastercard I had never used. I was told my card was being cancelled with a {$0.00} balance. 
On XX/XX/XXXX, I called Barclays because I had continued to receive collection emails. I spoke with XXXX who confirmed the account was closed with a {$0.00} balance. She told me it takes 1-2 billing cycles for a closed account to clear out. 
On XX/XX/XXXX, I called Barclays because i had received more than 10 new collection emails. I spoke with XXXX ( ID # XXXX ). XXXX confirmed that my account showed as closed on XX/XX/XXXX, and it should me cleared out on the XX/XX/XXXX statement. I asked XXXX not note that I would reach out to FTC if the collection emails continued. 
Since that call, I have received 30+ new collection emails. Barclays knows from my profile that I am a XXXX  citizen. I believe Barclays has targeted me for harassment, with the expectation that I, or someone acting on my behalf, will pay the money I do not owe simlpy to make them go away.
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Update to CFBP complaint : XXXX Paypal closed my account on XX/XX/XXXX and stated they would send email instructions to withdraw the remainder of the balance. It is now XX/XX/XXXX and I have not received any information regarding how to withdraw the remainder of the balance.
Consumer complaint received 2024-02-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (NJ)

XXXX XXXX, my XXXX  and I went to XXXX XXXX XXXX, they informed my XXXX  that they would be able to get him a car, now my XXXX  only had a permit, and a job, I informed them that I was only starting him with insurance then he has to pay his own insurance, my XXXX  also gave them XXXX. Deposit, the dealer stated with his deposit he could drive off the lot, I stated numerous times that I was not a co singer, my XXXX  also stated he did not want me as XXXX, due I only work XXXX hrs a week, my XXXX  was suppose to sign the paperwork, XXXX men stood over me, I kept saying no, I know I was forced, in XXXX, XXXX, the engine light was on, then alternator went out, the car dealership refuse to take it back, stated they nothing to do with it, WOW! Shocker, their fiance Co was Westlake, to which I then found out, was charging my 18 %, double charged, I have complained to both companies well over XXXX times, to this day I no longer have a high income, barely XXXX, also XXXX XXXX XXXX XXXX XXXX XXXX I am not paying for or responsible.
Consumer complaint received 2023-07-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, an unauthorized payment of {$2500.00} was transacted from my Venmo account. Someone hacked my account and sent this money ( presumably ) to themselves. My password had been changed ( likely when the hacker was already in my account ), and I had to reset it via email. 

I reached out to Venmo same day to alert them. They suspended the account so no other transactions could go out, and filed this as a dispute and sent it to the Account Specialists to investigate. I took action separately and reached out to my bank to close my account, so that the funds would not go through. 

On XX/XX/XXXX, I received an email stating that they covered the {$2500.00} payment on behalf of me as my bank account was frozen/closed. They stated that I would need to pay off this balance. They came back to me on the same day and told me my dispute was denied as the 'transaction is consistent with my payment history '. The email stated that I could reach out to an alias to request the documentation used to investigate my claim. I reached out on the same day ( XX/XX/XXXX ) and still have not heard back. I also tried to defend my case and point out the suspicious behavior trying to make an appeal. 

I waited a couple of business days for a response - nothing. So I reached out again on XX/XX/XXXX to follow up and made the official appeal. They came back today ( XX/XX/XXXX ) and said they denied my claim with no reasoning/justification. 

With the lack of turnaround on the documentation, I have reason to believe that they did not adequately investigate this situation. The initial reasoning of 'consistent with my payment history ' is absurd because I have never sent payment of this amount in a single transaction. I don't know understand how this was determined and have yet to get a response from Venmo.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IN)

School loans didnt make sense for the type of school I attended. I signed up for a XXXX degree. The school at the time offered it, during my XXXX year they changed my degree to XXXX and did not modify the loans, re-do the payment amount etc. I was done with my pre wrecks for my degree standing at a XXXX. I recently applied to continue college and the school never reached out to me let alone accepted the continued degree. I had just clinicals left for my XXXX license. I wasnt told anything about the school not offering the XXXX program I singed up for and they switched it to XXXX  on my loans. Mis informed and false advertising 100 %. The school isnt contacting me back let alone giving me the opportunity to continue my career. Im stuck with {$40000.00} in school debt for a degree that they dont offer anymore. The United States Department of Education has all my information for the loans. Current servicer is NelNet
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CUSO Home Lending (ME)

At least 6 months ago I disputed the payment history of a couple months from a few years ago. That information was updated on all XXXX credit reporting agencies as from 30 days late to on time. Then I had to redispute those same months almost every month to keep getting them updated back to on time after CUSO Home Lending continuously changed those dates back to 30 days late. After a few times of disputing the payment history I noticed the CUSO home lending account completely vanished from my XXXX report. 

I reached out to both XXXX first and CUSO second. Both blamed the other party. XXXX said XXXX was not reporting it and has not been responding to my latest dispute. XXXX claimed it had been reporting it regularly all along. Ive been trying now for a few months to get the account back on the XXXX account ( with accurately reported payment history might I add ) but have been unable. This has hurt my XXXX score because this account is XXXX of my oldest accounts and helps my average credit age. It is also in good standing as I've been in time now for several years in a row. 

Now just recently after I made a complaint with the XXXX against CUSO I noticed that they began marking my account late for XX/XX/XXXX on my XXXX report when it was not and then somehow added around {$5000.00} to my total amount owed on the account. It was an egregious error on their part and may have been retaliatory. It made me lose XXXX points on my XXXX credit report. I disputed this through XXXX to get it corrected about a month ago and just recently CUSO has now also dropped my account from my XXXX report. This also seems to be retaliatory in an effort to hurt my XXXX XXXX by depriving me of a long term loan that's been in good standing. 

I contacted XXXX and they were not helpful at all simply telling me if the account is not on my report then they can not help me with it. This exclusion of CUSO on my XXXX cost my XXXX score XXXX points or so by reducing my average age of credit. 

All I am looking for is for CUSO to cease and desist failing to report to the credit bureaus which is causing the account to fall off my credit reports and accurately report payment history. I have supporting documents to show that the account is missing from both XXXX and XXXX currently. I have documents showing it was on my XXXX last month but with bogus payment history for XX/XX/XXXX as well as inaccurate total balance. I also have my XXXX report which CUSO is still on showing that I have perfect payment history dating back to around XXXX or XXXX.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

There is a public record showing on m report that is causing an identity mix max error on my credit report and it is being reported from ( XXXX XXXX XXXX  ) I do not have an agreement with XXXX XXXX XXXX XXXX  to report any of my private information to the credit bureau on my behalf. I called the us district court and they could not provide a case in my name for reference, called my local municipal court and they could not provide a case in my name to reference either while they are not members of the credit bureau nor do they report anything to the credit bureau all case information has to be paid for an you must be a party within the case to post case information publicly.

This information that is showing on my credit report needs to be DELETED '' from my consumer report as this is a direct violation of the fcra, and violation of the local rules for U.S. District Court
Consumer complaint received 2023-06-14
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)

I am submitting this complaint because I am having trouble resolving as issue on my Equifax credit report. I keep disputing the information with all the evidence and it still has not been fixed. I am disputing a XXXX XXXX account which is listed on my account as past due 180 days in XX/XX/XXXX. This is a student loan account that is now serviced by XXXX, this is a federally owned student loan. They keep telling me that the company has verified the information as accurate. This company is no longer in operation and the contract information listed for them is inoperable. They have a number listed XXXX, this number doesnt work. This loan was transferred to XXXX in XXXX and has been in good standing since. Also student loans have been on a payment pause since XXXX due to Covid do there is no way that I can be 180 days past due because they are still not in repayment. I have gotten a letter from XXXX stating that the loan is in good standing and that they are not in repayment but this still is not enough. Equifax is the only company reporting this account and they refuse to adjust or remove it. I need help to get this resolved I have disputed this about 5 times with Equifax and they are stil not complaining a sufficient investigation into the matter. I will attach all supporting evidence.
Consumer complaint received 2024-01-29
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX, XXXX Number : XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Experian Boost is a garbage product and it continuously breaks, with horrendous support, which is outsourced to XXXX XXXX or The XXXX or the like. Unintelligible support, in fact, with individuals who barely speak XXXX. Two instances of Boost. One works ; one doesn't. They then badger me about fixing the one that is broken. It's insane and a waste of my time. The product simply DOES NOT work or they are unable to scale the product around the authentication changes that banks make. Rubbish...
Consumer complaint received 2024-01-29
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. (MI)

Subject : Urgent Redressal Required : FCRA and Privacy Violations by CRAs and Financial Entities Dear Consumer Financial Protection Bureau, I am writing to seek immediate intervention and redressal for serious breaches of the Fair Credit Reporting Act ( FCRA ) and privacy laws by XXXX, XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. These entities have egregiously violated my consumer rights and federal laws, specifically under 15 USC 1681a 2 ( A ) i ) and 15 U.S. Code 6802. 

FCRA Violations by Credit Reporting Agencies : XXXX, XXXX, and Equifax have failed in their duty to ensure accurate and legal reporting of consumer credit information. This is evident in their handling of unauthorized transactions reported by XXXX XXXX  ( Account Number : XXXX ) and the reporting of a debt sold by XXXX XXXX XXXX  to XXXX XXXX. These actions directly contravene the stipulations of the FCRA, which explicitly excludes reports containing information solely about transactions or experiences between the consumer and the person making the report. 

Illegal Disclosure of Personal Information : Furthermore, the actions of XXXX XXXX  and XXXX XXXX  in disclosing my personal and financial information without my consent or proper notice is a clear violation of 15 U.S. Code 6802. This breach of privacy laws is compounded by the CRAs ' failure to prevent such disclosures from affecting my consumer reports. 

Demand for Immediate Corrective Action : In light of these violations, I, XXXX XXXX, demand that XXXX, XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  take immediate steps to block and delete all inaccurate and unauthorized information from my consumer reports. This action is imperative to comply with the FCRA and protect my legal rights. 

Request for Full Investigation and Compliance : I urge the CFPB to conduct a thorough investigation into these matters. It is essential that these entities not only rectify the current violations but also implement measures to prevent future breaches of consumer protection laws. 

Expectation of Prompt and Lawful Response : As a consumer, I expect a swift and lawful response from all entities involved. The adherence to federal statutes and the protection of consumer rights should be the utmost priority for these organizations. 

Thank you for your attention to this urgent matter. I trust in the Consumer Financial Protection Bureau 's commitment to enforcing consumer rights and anticipate a prompt and effective resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NE)

I have had a care credit card for quite some time now and have paid as agreed. There were two instances where I accidentally chose the wrong payment account which caused a payment to be missed by the due date, but each time the payment was completed with the correct account more more than two days later. Both times company was made aware and both times they even waived the late fee given the situation. 

I went to go use it for my pets care and it turns out synchrony just closed my account without any prior notification. 

Their excuse was because of those two payment issues- which mind you are not missed or late reported payment on credit bureaus neither time did it lapse more than 5 days before issue was corrected. 

I tried having the issue escalated and they could only tell me that they had the right to close the account for any credit related reason- which again mind you this is not a credit related reason. 

Further more, they are putting my credit score at jeopardy with these irresponsible practices. 

I want them to reopen my account unless they can prove a real reason that I have no managed my account responsibly.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I received my consumer reports and noticed that there were inaccurate accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DUPLICATE Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 

I contacted Experian and asked them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Despite my previous efforts to resolve this issue, the fraudulent entries remain unaddressed, and I am profoundly concerned about the adverse effects they are having on my financial reputation. It is discouraging to witness these fraudulent items continue to harm my credit report, despite my persistent efforts to eliminate them. As a diligent consumer, I am dedicated to maintaining an accurate credit profile, and the presence of these fraudulent entries undermines that objective. I am reaching out once more to request urgent intervention to resolve this matter. I kindly ask for a comprehensive investigation into the fraudulent items on my credit report and prompt action to remove them. Additionally, I seek clarity regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this in mind, I am requesting your assistance to eliminate these fraudulent items from my credit file : Experian : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX TER XXXX, IL XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX =========XXXX  : XXXX  C XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX LRN XX/XX/XXXX =========XXXX  : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX IL XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX