davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have been a loyal customer of PayPal since XXXX. I have used this service to transfer money in the past. A long time ago, I entered my debit card number to PayPal for payment of any charges I incurred. However, at least XXXX months ago, I stopped using this debit card ending in XXXX. 

Despite numerous attempts to contact PayPal so I can remove this inactive card and replace it with another debit card number, PayPal has so far refused to respond. They have limited my account for months now rendering the account useless. PayPal 's automated system refuses to allow me to change my card. It demands that I confirm the XXXX card to end the limitations. I will not confirm a dead card! This problem is caused in large part by PayPal 's complete refusal to provide a customer service human to help me solve this problem. 

I have grown tired of this situation. I've contacted PayPal numerous times online to tell their chatbot to immediately close my account. This company has made itself irrelevant by refusing to contact anyone and force everyone into automated systems that do not work. The customer service at PayPal is worthless!
Consumer complaint received 2023-07-04
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. (NE)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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Consumer complaint received 2023-10-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I was contacted by Columbia Debt Recovery LLC DBA Genesis via telephone after they made a report to my credit that I was in collections for {$10000.00} owed to XXXX XXXX on XX/XX/2023. I then requested that they forward me an itemized report because I only owed half of what they were claiming they were recovering. Columbia Debt Recovery then proceeded to email me a false ledger with an incorrect amount owed. I asked that they discontinued contact with me until they could correctly verify the amount that they say I owe, they then proceeded to call my cell phone number numerous times daily. I contacted XXXX XXXX myself and confirmed that the amount being requested from Columbia Debt Recovery LLC was incorrect, XXXX XXXX then proceeded to email me the detailed ledger that they had on file with their contact information for anyone who was trying to collect. I forwarded the information to Columbia Debt Recovery again and requested that they adjust the amount owed. I am now concerned that this is a fraud company that is trying to scam me out of paying them a large amount of money that I do not owe.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (MI)

I applied for a loan in 2016  for a used vehicle I begin paying payments back to one main financial but as the years passed I fell in to hardship so I couldn't continue to make payments so I filed for consolidation which ended up being a disaster at the beginning of last year I started receiving later saying my money will be garnished and that's what has been happening in trying to to figure out what will happen with my account and will I receive money back for the payments I made and the ones they garnished
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NV)

I fell behind on my mortgage after losing my job. I was forced to file bankruptcy, however I wanted to save my home. Loancare has evaded and blocked me from applying for assistance now since the beginning of 2016. I hired an attorney to help me deal with Loancare and they have been calling Loancare now for over two years. Loancare has told my attorney my loan had bankruptcy codes on it and they could not review me. This is even though my bankruptcy has been discharged almost two years ago. They then told my attorney the reason the bankruptcy codes are not removed was because they needed for my bankruptcy case to actually close. My bankruptcy attorney says there is no reason Loancare can not review and modify my loan. Loancare advised until the bankruptcy case was closed, which takes about a year they couldn't do anything. Finally my bankruptcy case was closed and my attorney applied for assistance. Loancare sent my attorney the attached letter denying the modification application with no reason. They claim the owner of this loan does not allow them to modify the loan. My attorney has a very experienced underwriter who actually deals with loan pool servicing issues often and he says this can not be true. Loancare should contact the investor and ask for permission. The constraints Loancare is talking about are old and those barriers are no longer in place. In addition, guidelines call for the servicer to make an attempt to contact the servicer to ask permission and Loancare has not attempted this. They simply have evaded review now for over two years and now want to foreclose my home after doing so.
Consumer complaint received 2023-06-05
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: CITIBANK, N.A. (CA)

I am writing to you to report an unjustified derogatory statement on my credit report, which remains on my credit bureau report, including XXXX XXXX. The comment is an error because XXXX XXXX CBNA ( Citibank ) credited the wrong account for {$2300.00}. The error resulted in late fees and interest charges on an incorrect balance, as Citibank had not credited my account. Citibank received a check from XXXX XXXX XXXX XXXX on my behalf on XX/XX/XXXX, cashed it on XX/XX/XXXX, and credited it to another account error. As a result, late payments were reported in error to the credit bureaus, adversely affecting my credit ratings from the high XXXX to the mid and high XXXX. 
Since providing evidence of payments and disputing the derogatory comments on my credit report, Citibank has finally corrected their error and credited my account for the {$2300.00} and all late fees and interest charges, demonstrating that I was not in error in my dispute. However, the credit bureau, XXXX, has declined to fix the problem because of incomplete information about the dispute provided by Citibank. They needed to report an accurate outstanding balance, the reimbursed late fees and interest charges, and a full accounting and admission of the errors by the bank. I
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (WA)

I had a collection account with National Credit Adjusters for a account with XXXX XXXX. The amount owed was {$4000.00}. XXXX XXXX contacted me and said that they now owned the account so I settled the account with them. The account has been settled paid in full. NCA will not stop calling me even after disputing the account as paid. They are telling me that I still owe them on the account. I have a paid in full letter from XXXX.
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-13
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. (CA)

XXXX XXXX From : XXXX To : XXXX XXXX Fri, XXXX XXXX at XXXX XXXX  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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16815-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delate the ccounts below. 
Attach documents ( optional )
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

One morning I woke up and chase decided to close my account for no apparent reason! I use this account for my work check deposits and that is the only thing I use for this account! I dont write checks or deposits any physical checks all checks come directly from my job and I work at a XXXX. They wont even inform me why they are closing my account they are just closing it and wont even provide me any information.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation (VA)

I 'm having a serious problem with Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. In XXXX XXXX I purchased a automobile from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, VA XXXX in XXXX XXXX, my car payments come directly out of my bank account, I never been late nor missed a payment. Now there 's a problem. I called all three credit bureaus, XXXX, XXXX  and XXXX, to find out have Bridgecrest called the credit bureaus to update my credit history, Bridgecrest have not called the credit bureaus. I have been paying on a automobile from XXXX for 14 months and have not to update my credit history. I called XXXX several times, same results, Bridgecrest Acceptance Corporation does not show on your report. I called XXXX several times, same results, Bridgecrest Acceptance Corporation does not show on your credit report. Now I called XXXX several times, different results but very alarming. Bridgecrest show up in my XXXX credit report. Now I called Bridgecrest a dozen times, to let them know that they 're not showing up in my credit report and that they have not been calling the credit bureaus to update my credit history, they keep telling me that they have been calling, well I let them know that I have talked with all three credit bureaus and they do not show up in my credit report, so a Bridgecrest representative and the manager of the credit department kept telling me to just call the credit bureaus back and ask for the supervisor, for XXXX and XXXX, not only that for some odd reason a Bridgecrest representative kept asking me to mail them my credit that I recently received in the mail. Now for XXXX, I was told by Bridgecrest credit department and more than one customer service representative, that they have not been reporting and up dating my credit history to XXXX, the reason being because XXXX have a block or lock protecting my credit report, I have to call XXXX to ask them to remove that block or lock, that 's the reason why they have not been calling XXXX to update my credit history.? So if Bridgecrest admitted that they never called XXXX to update my credit history, so how 's Bridgecrest showing up on my credit report if they never called XXXX and how XXXX getting these monthly updates? For some odd reason Bridgecrest Acceptance Corporation are avoiding and evading to call XXXX, XXXX and XXXX to update my credit history. They refuse to call the credit bureaus, why? There in violation of the Fair Credit Reporting Act. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXXXXXX ). XXXX
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (GA)

I received a call from Chase Amazon Visa asking me to call them back today ( they left a message on my vm ). After 6 ( SIX ) calls and at least 45 minutes on hold, I am no closer to understanding what the problem is except it involves some sort of charge dispute. The last person I spoke with identified homself as XXXX XXXX from XXXX OH, and he placed me on hold for 14 minutes straight. I would like Chase to reapond to calls without placing customers on hold, and find out why they called me in the first place.
Consumer complaint received 2024-04-13
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. (FL)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-13
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. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I would like to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : 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 XXXX
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The problem is with CRA TransUnion For a long time, they were not updating a credit card I use primarily ( XXXX XXXX card ). I complained that they should update, so instead they just wiped out the reporting of the card altogether. 

I got tired of them not reporting my use/payment history of this primarily used card, so I went to their dispute center to tell them to put the card back on my record and properly update it, and I never got past one part of the reporting process. It just provided no form to enter the request. I thought it might be browser-dependent, so I tried going through the form process using another browser and I got stuck at the same point : no page showing a form to advance to the next step. 

I don't think this is a technical problem. I think this is intentional. Perhaps it's because I used the process before and they believe I should not use it a 2nd time. 

There is a new regime in the government now, one not favorable to the consumer and entirely favorable to those entities that run a business or make obscene profits. I suppose I am writing to an entity that will even discard this complaint into the bit bucket.
Consumer complaint received 2018-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (GA)

Back in XX/XX/2017 I was approved for a loan modification, and shortly after I was approved I lost my job. At that time, I was driving trucks for a local trucking company. In trying to avoid filing for bankruptcy, I have tried to work things out with my mortgage company, and I finally came to the realization that I needed to list the property for sale. 
I have received a good offer from a buyer who is ready and willing to purchase the property, even with the repairs that need to be made to the property. Once I submitted the documentation to the mortgage company, they held onto it for weeks before they came back and said that they did not have enough time to review the file for the short sale. Now, if you ask me they would have had enough time had they not held on to the file for week and not given it to a processor. I am not asking for a handout, I am just asking for the bank to be fair and review the offer. I need your assistance in getting the bank to do what is right, and what is required by the government to assist homeowners when they are in financial trouble and can not afford to pay the mortgage.