davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC. (CA)

I filed a compliant - XXXX because Optum Bank refused to start a billing dispute. 

I have been working with XXXX XXXX via email. XXXX advised me that a billing dispute was opened on XX/XX/XXXX, and on XX/XX/XXXX. 

I received a letter via Optum Bank asking me to call. I called on XX/XX/XXXX and spoke with XXXX from the billing dispute/fraud department. XXXX advised me that no billing dispute was opened and that XXXX lied to me.
Consumer complaint received 2023-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

XXXX L : oan consolidation was completed in XXXX or XXXX of XXXX and the total dollar figure was {$70.00}, XXXX ( XXXX Loan App ) or {$71.00}, XXXX ( Dept of ED XXXX Case XXXX email letter dated XX/XX/XXXX {$55000.00} - XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX Total Consolidated What should have been consolidated? 
{$71000.00} XXXX Consolidated figure ( {$14000.00} ) - XXXX XXXX previous paid ( {$20000.00} ) XXXXXXXX XXXX  Alternative private loans discharged in bankruptcy {$36000.00} SEE EXHIBIT 3 DISCHARGED LOANS SEE EXHIBIT 4- DOCUMENTS ABOUT XXXX CONSOLIDATION AND AMOUNT OWED. 

SEE EXHIBIT 5 -PREVIOUS LOAN PAYMENTS
Consumer complaint received 2023-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (GA)

I have an account with PayPal. This account is active and has been in good standing for many years. I am currently traveling in XXXX for XXXX  weeks, and while I am here, I decided to get a local XXXX card with a local number. In this country, mobile numbers are also enabled with a digital wallet to facilitate easy cashless payments. 

This service, XXXX XXXX supports transfers from XXXXXXXX XXXX accounts ( or debit cards ) via XXXX ( a PayPal service ) to digital wallets such as XXXX. On XX/XX/2023, I made a transfer attempt in the amount of US {$100.00}. I attempted to send the funds from my PayPal account to my XXXX account. I receive a confirmation that the funds transfer was successfully completed. However, a few days later, I received notice from PayPal that my transaction was cancelled. There was no explanation. I was told to contact XXXX support. When I called the number, there was no staff available as it was outside of business hours for their call center, which works on XXXX time. 

I then decided to email the support center at the address I found in the communication I received. They responded that I should call instead. I tried it again, but still no one was availableafter all it is XXXX XXXX, so it is reasonable to assume that their staff are enjoying the holiday. 

On XX/XX/XXXX, I attempted to do another transfer, but the PayPal app prevented me from completing it, and directed me to contact support. Again, I tried to call, but there was no staff available as it was in the wee hours of the morning XXXX time. So, again, I sent another email. The gents who replied did not attempt to understand my problem or did not try to help. 

I asked my partner, who is traveling with me, to send me funds to my XXXX account from his PayPal account . He, too, received a reply from PayPal that his transaction was being cancelled. 

We are honest, law-abiding citizens of the United States with accounts in good standing. Why do I feel like we are being suspected of engaging in illegal activities and being prevented from using the services that PayPal has marketed as availableand failing to provide support and resolution?! This does not strike me as fair treatment. 

It seems to me that they blocked the phone number associated with my XXXX account from receiving funds through its payment/funds transfer network.
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (NV)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-12-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

The XXXX debt has been deemed at Identity theft. This account was originally being collected by XXXX and I got a police report for it. Now this account has been sold to another debt collection company called Jefferson Capital. Im pretty sure that this is illegal.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bofa doesn't have a perfected lien. They are committing securities fraud by not paying me my dividends. This is documentation related to a case I filed. They won't release the title. I have attached the UCC11 as well as a UCC1. My company owns the car not them. They dealer coerced me to sign documents at time of purchase or they wouldn't release my vehicle
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

It has been 3 years since I was contacted by a friend of a cousin, asking for a {$35000.00} loan to invest in his business. I tried contacting the bank to reverse the transfer as well as contacted a lawyer to take my case. I have not succeeded in getting my money back in both cases.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

The problem is with the Santander Bank acct # XXXX. this is a joint checking account with my XXXX XXXX XXXX XXXX whom XXXX on XX/XX/XXXX. I tried to close the account and was told it could n't until the estate had been settled, fine, the problem is that they deducted since XX/XX/XXXX a {$16.00} a month for '' inactivity fee '' I want that money to be reimbursed into the account until the estate is settled and I can withdraw the full amount.
Consumer complaint received 2023-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MA)

My loan got transferred to Fay Servicing in XX/XX/2022 for XXXX properties. They have not paid taxes for my properties which are being collected from my monthly payments into the escrow. I reached out to them in XXXX, XXXX and again in XXXX. 

They keep telling me they are investigation meanwhile the city keeps sending me notices with interest and penalties for not paying taxes.
Consumer complaint received 2023-10-26
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. (NC)

To Whom It May Concern : 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. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS SECURCRED Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITALONE Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-09-19
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. (TX)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 
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 2024-01-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: January Technologies, Inc (NV)

I had taken a loan from XXXX XXXX XXXX around XXXX. This loan was discharged in XXXXr XXXX bankruptcy. The company ( XXXX XXXX ) also received proceeds from the bankruptcy. They then sold the loan to XXXX XXXX, XXXX and they attempted to collect on the debt. I notified them server times that the loan was discharged in bankruptcy. I provided the bankruptcy case number with every interaction I had with them. I then just received notification from January XXXX XXXX agency that XXXX XXXX hired them to now attempt to collect on discharged debt. I also provided them with the bankruptcy case number. I then attempted to contact XXXX XXXX also on XX/XX/2024 and was unable to speak with anyone. I also called XXXX XXXX to attempt to contact their corporate offices and was informed that they no longer have the loan with them because it was sold to XXXX XXXX.
Consumer complaint received 2023-05-05
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)

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. 
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 XXXXXXXX XXXX XXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 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. 1681 s-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 2023-08-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (MA)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2020-09-20
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: Experian Information Solutions Inc. (OH)

I have not been late on this account and requested physical proof that I was late. Provide transactions of late payment for this account. I requested this information in XXXX. I have the certified mail that was sent requesting as such. 

XXXX XXXX # XXXX
Consumer complaint received 2023-12-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Auto Acceptance, LLC (MI)

On XXXX XXXX  my husband XXXX and myself went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .We bought a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Three days my husband took it to his mechanic and he told us the motor was blown we took it back to the place we got it from and the lady there told me i should have took it to the mechanic before we bought it. the guy who sold it to us wasn't in he had XXXX. The car is burning oil. We ca n't drive it any where without having to put oil in it. Blue smoke is coming out of the tail pipe. They had not changed the oil in the car before they sold it to us or anything. We took it to the other XXXX XXXX on the XXXX  to talk to the manager and he said he couldn't give us our money back, because we had had the car for seven days, but he knew that his mechanic had came over to the place we bought it from that friday on XX/XX/XXXX and put 2 quarts of oil in the car, because you couldn't read anything on the dipstick XXXX XXXX gave us an appt to check the car out XXXX and he wasn't kind enough to give us a loaner car while they serviced our car. we have never been treated so bad by a car dealership before.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi, Trans Union once again is not honoring me as a customer & has incorrectly lowered my score.Their computer generated algorithm is WRONG. My account from XXXX XXXX was recently reported to Trans Union, after not being report for XXXX because the account was in a hardship program bcz of covid & then when it was reported it showed an increase of just {$14.00} just because of interest, which {$14.00} doesn't hurt my over all utilization at all. BUT my score went down XXXX points! UNBELIEVABLE! Makes no sense, because this didn't happen with any of the other bureaus with the same reporting information. As of last couple months I have been a better financial situation & paying down balances, just in month of XXXX so far have paid off over {$1000.00} between XXXX credit card accounts, such as Self Financial {$280.00}, Capital XXXX {$200.00}, XXXX {$100.00}, XXXX, {$100.00}, Prosper credit card {$100.00}, ETC. & NOT XXXX POINT DID I RECEIVE! NOT XXXX!! I KNOW HOW PAYING DOWN BALANCES WORK, MY SCORE SHOULD GO UP, NOT DOWN!! I PAID OVER {$1000.00} SO FAR IN THE MONTH OF XXXX & NOT XXXX POINT MY SCORE WAS RAISED BUT AN INCREASE OF {$14.00} XXXX XXXX ACCOUNT XXXX TRANS UNION LOWERS MY SCORE XXXX POINTS?? XXXX points is a lot to lose when you're working so hard on building your credit to buy a new home, car & for my businesses! I'm disappointed & tired of been treated unfairly as a customer! I don't understand, why all the work I have done in the past XXXX & they keep knocking me down. XXXX it is was XXXX points for incorrect reporting on a credit XXXX account saying it was closed & not & dropped my score XXXX points & now because XXXX reports a increase of {$14.00} my credit goes down XXXX points!! I should be gaining XXXX points not loosing! when I have paid off thousands of dollars in the last XXXX & I'm getting no where with Trans Union XXXX When XXXX XXXX XXXX my scores are growing with the same info. I just don't understand this, It's truly unfair & so discouraging! Trans Union knows most lenders use them & buying homes & cars they check often all 3 bureaus & my XXXX Scores on XXXX is XXXX ( vantage score XXXX ) & XXXX XXXX XXXX ( vantage score XXXX ) how is Trans Union no where close to the same, with a XXXX score still of XXXX & ( XXXX XXXX & it was just only XXXX ) I understand different bureaus have different ways they configure scores but it is the same info & shouldn't be too much different. I cant even seem to get my fair points to get over a XXXX for XXXX by now, when XXXX scores are what most lenders use. I'm tired of being lied to by Trans Union & them not giving my points for paying down balances! I have nothing negative on my credit reports but a few High balances, I have been paying down & still not XXXX point!! THIS IS SO DEVASTATING!!
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

My Complaint is with Citibank XXXX XXXX XXXX my 2 accounts with Citibank were closed due to lack of documentation ID for my XXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX I sent the required ID and was told the accounts would be opened. The funds in the account were frozen and according to the bank sent to my mailing address. I never received these checks. I asked the bank to put a stop payment on the checks and refund the funds. Today XX/XX/XXXX the bank has opened one account but has not refunded the money which my mother needs and the other account remains closed. I am speaking at the moment with Remediaton of Citibank and the tell me the accounts have all the information needed but dont know why the account has not been reoppened and the funds deposited. I feel helpless so I am asking you for help Thanks XXXX XXXX