davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/XXXX, I received funds from an affiliate in the amount of {$2400.00}. As I proceeded to make an instant transfer ( per usual ) my transfer was blocked, and I received an error message saying to try another card or bank account. I proceeded with another payment method by using another bank account. After typing in my banking and routing information, the message came back stating that XXXX deposits had been made and for me to confirm the deposits. ( I have bank statements proving that those deposits never received until 2 days later around midnight ) Since those deposits were not sent to my bank, I could not confirm them. In addition, the bank account could not be verified which means if I tried using that bank account as a method to instant transfer, I got the error message saying ( unverified ). Red flags were already up for me so I was not comfortable using all of my bank cards for this service. You never know where your information is being saved and stored anyhow, but as I went to try XXXX more card, I was then locked out and given a message that my account was suspended, and I would have to follow prompts sent to my email in which I immediately did. ( I have proof of this also ) I have been given the runaround, with no real explanations for anything and have been a loyal customer since XX/XX/XXXX, despite my suspicious of login attempts not made by me, a few months back. These further disgusts me being that I have never done anything to have this done to me but trust this service but never again. My plans to purchase medical supplies for my XXXX  who is a type XXXX XXXX  and make a mortgage payment have been stalled due to this inconvenience.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I'm sorry, but how did Experian decide the law requiring them to provide a free credit report didn't apply to them? Tried to obtain all 3 agency reports through XXXX, no problem with the others, but Experian says " A condition exists that prevents experian from being ablke to accept your request at this time. To obtain your annual credit report, please mail your request to the address below using the annual credit report request form '' Problem is, no such form seems to exist. I even went to their website which immediately tries to get you signed up for the premium product, or if you dig and find the link about the annual free report, it dumps you back to the beginning of the XXXX website ... .another 20 minutes entering information for the same useless, circular message. I saved a screenshot showing date and time.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

I called the creditor direct since I saw incorrect information on my status. My account is up to date as I was informed twice by them. They refuse to update my account. I have been disputing this account for going on two months. I have sent them letters as well.
Consumer complaint received 2024-03-14
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. (OH)

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 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Capital One
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MEI AUTO FINANCE INC (TX)

I purchased a car from MEI , Inc.XXXX in XXXX. The company lied to sell me a bad car, I've had numerous issues with the car. My final issue was on XX/XX/XXXX. I then had the car towed to the company, told them they can have the car back and I agreed to pay the remainder of the car contract. I continued to make the car payments every 2 weeks, while they kept calling me to harass me about getting a new car. On XX/XX/XXXX. XXXX, when they called, I gave them an attitude and told them to stop harassing me and I would never buy a car from them again. On XX/XX/XXXX, I went to log into my account to make my payment and my account was locked. I called them up and they told me I couldn't make a payment and they closed the account and I didn't have to worry about anything. I went to look for a new apartment in XX/XX/XXXX and was told I had a repo on my credit report with missed payments. The company started reporting late payments after they locked me out of my account and wouldn't let me make payments. When I called them, I told a lady what happened and that it was illegal to falsely report thing to credit agencies. The lady told me that if I had an issue I could do what I needed to do, but they have lawyers. I've asked for a copy of the contract and the ledger of all payments and they won't give it to me. I've tried talking to someone high up, but no one will respond. They broke the contract by not letting me make payment.
Consumer complaint received 2024-05-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Flandreau Santee Sioux Tribe (OK)

They sent this text to my personal number and to the number that notifies my entire company on XX/XX/year> XXXX : We are following up on a letter that was sent to XXXX XXXX regarding file number XXXX. This gave you an opportunity to exercise your legal rights. Please contact XXXX XXXX to verify you have received the letter. He can be reached at XXXX reply STOP to opt out There was no letter sent to me prior to this and if there was I never received it, there were no phone calls prior to this text either and if there were no one left a voicemail to call back. 

When I called the XXXX number a male answered the phone and was described to me why they contacted and I stated that I was in the process of filing bankruptcy and he immediately was aggressive stating that it didnt matter because that doesnt apply to them and when I asked why they had contacted my job and he stated that they were about to come to my job and serve me regardless and would not let me speak after that saying that I can have my attorney contact him directly and hung up on me. 

I eventually got in contact with someone else and tried to resolve the account and set up a plan to take care of the said debt until my bankruptcy clears, after the phone call was over no one sent over paperwork to prove the debt, no paperwork was sent confirming any resolution plan so I froze my card because I believed it was fraud, they had called again about my failed payment and I tried calling again and didnt get contact to the previous person I spoke to about the resolution. I called the next morning informing them via voicemail that I would be reporting them due to their actions and got no response or call back.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — 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 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AR)

In   XXXX  , I worked with my student loan servicer to consolidate my loans. At the time I had just completed my   XXXX   XXXX   and had a daughter in college with loans. I spent a great amount of time on the phone with an employee of the servicer going over the consolidation, repayment options, and the public service loan forgiveness program  (  which I was qualified for ). I believed the employee was being truthful with me and that I could look forward to beginning to repay my loans so that I could get through my 10 years of public service loan forgiveness ( PSLF ). As my in school deferment was ending, I called  FedLoan ba ck to find out what my payments would be and to make sure everything was set for me to begin repayment on the PSLF. At this time I spoke to a very helpful gentlemen who informed me that unfortunately my loans had been consolidated incorrectly ( my daughter 's loans had been added to mine ) and that I would not qualify for IDR or other plans. I stayed on the phone with him for a very long time while he attempted to find out if their was anything he could do to stop or re-do my consolidation. I was in tears and he genuinely seemed to be trying to assist me. It is unfortunate that we were not able to figure anything out. There was no way I could afford {$1200.00} + monthly and he was very apologetic. If only the person I talked to from the beginning had the same moral and customer service driven mindset. He helped me apply for forbearance in hopes that by the time it ended I would have found a better paying position using my degree. Unfortunately, that has not happened and I have not only not been able to find a better paying job, but I have not been able to find a second job that could pay this amount. I have called back to FedLoan several time to see if there is any remedy because I really want to begin paying my loans, but have no way to pay so much a month. I was told that if I ca n't pay the total amount due that I ca n't pay anything at all. This does not sound correct to me.     After reading up on my issue, I found that it has been a common problem with FedLoan Servicing to make consolidation errors, repayment errors, payment calculation errors, and give misinformation to students/ former students beginning to make their loan repayments. I know see that my case is just part of the bigger issue, but unlike some others I truly want to complete my PSLF. I have lost 3 years of the 10 years of payments I am expected to make and that is very disheartening to me. I would love to know what remedy their is for me and others like myself. Thank you.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I sent a letter on XX/XX/XXXX to UPDATE ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to UPDATE any ITEMS or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, and XXXX & I am including it again. Below the Innacurate Items. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 2017-05-02
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: EQUIFAX, INC. (PA)

I went to get services with  XXXX , my first attempt took over an hour and resulted in me having to leave for a prior engagement without getting anything completed due to their customer service lack of knowledge and ability to do their job. They pulled my credit even though nothing was accomplished, which I told the CS  rep an d asked her to remove it and she said they did not pull my credit, which was false as I have credit monitoring, which I told her and she just did n't understand. So I get back later that day and try again but made sure to talk to someone to let them know they already pulled my credit, they said they would need to again. I said absolutely not and ended up doing the security deposit option instead. As no services were rendered under the first pull and I ended up using the security deposit option, this inquiry should be removed. I understand applying for credit and being denied, but in this case there was no denial of service just incompetence on  XXXX  side. Please have the company remove this fraudulent inquiry from my credit report.
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I have sent them several letters telling them that are violating my rights and to cease and desist by reporting this negative information is violation of cease and desist everytime i see my report they communicating with me these letters were certified so they signed for them meaning they are ignoring the law i listed below " This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You have violated the FDCPA XXXX 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. ''
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (KY)

I have disputed my Chase card information in my credit report. This account was settled, with the company sending a settlement to my debt consolidation company and me accepting the settlement offer. The debt was paid via settlement for less than the amount owed and paid off in XX/XX/2022. The creditor is still reporting my balance as overdue and for the full amount, and has refused to reflect the account as being settled ( for half the original amount ) and that settlement being paid off ). This has stopped me from being able to secure an auto loan for the last several months, because the loan companies are still seeing this account as being behind, when in fact it has been settled and paid. Any help would be appreciated
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXXCapital One Account # XXXX has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card '' account under an open end 353 consumer credit plan as late for and purpose.

XXXX
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc (TX)

Bright Money charged my banking account without prior authorization or my consent, and has been doing this scheme to many other users. On XX/XX/XXXX Bright Money did not receive authorization and charged my account for {$39.00} USD for a membership that was not authorized or consented to, as the last time that I used Bright Money was XX/XX/XXXX in hopes to start building credit. 
They ask for your banking details and then eventually put you on an automatic membership and steal users money from their accounts without consent.
Consumer complaint received 2023-11-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (WA)

Shortly after activating my {$100.00} XXXX gift card in XX/XX/XXXX, there were XXXX fraudulent transactions at the XXXX XXXX store totaling {$93.00}. I immediately notified XXXX XXXX of the fraudulent transactions and asked that these be investigated so that the value of my card could be restored. 

The agreed to investigate it, but I never heard anything back. In XX/XX/XXXX, I contacted them again, and they said they had reached to out to me in XX/XX/XXXX asking for more information. I discovered that they sent this request to an email address that I had never heard of and that I have never been associated with. 

I requested that they reopen the case and resend their request for information to the right address so that we could resolve this case of fraud. They refused to do so, claiming that after XXXX business of sending information ( to the wrong address ) they had no obligation to address fraud on my card.
Consumer complaint received 2023-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (VA)

XXXX XXXX reported a collection to my account that I do not own and when I contacted them about said collection they said they don't own the debt and that another company owns it. How are they able to report said collection to my account if they don't own it? This is a major violation of my rights and this needs to be removed from my credit report immediately
Consumer complaint received 2022-12-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On or around XX/XX/22 I discovered TransUnion was incorrectly reporting late payments on Target & CrossCountry Mortgage On or around XX/XX/22 I mailed a dispute to TransUnion, see attached. Requesting incorrect information be deleted. 

On or around XX/XX/22 I received a letter, attached, from TransUnion refusing to investigate incorrect reporting of accounts.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer 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 

15 u.s.c 1681 section 602 A. states i have right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.