davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC (SC)

This company, gave me a loan for {$750.00}. I was in desperate need to get my car fixed to continue working. Signed the paperwork, which I'm pretty sure did not say the actual APR of XXXX XXXX. In other words, they automatically take XXXX every XXXX weeks, on my OFF weeks of getting paid- in total, I will be paying {$4000.00} total for a {$750.00} loan. This to me, is downright criminal. They take it automatically from my bank account whether there's money in it or not. I have all the screenshots of account, I've made XXXX payments of XXXX so far.
Consumer complaint received 2024-01-25
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. (OK)

Please send thse attachments to XXXX after i sent a dispute in through the CFPB in regards to the XXXX data breach claim settlment that i was awarded. I wrote experian shwoing them they are the last person honoring these accounts and they need to come off due to fraud. THey then asked me to provide them documentation even tho I did on CFPB website and they asked be to upload docs to the experian.com/upload web page however for days now it will not allow me I am even including a screen shot of the error message it kept sending. But here is the information requested, I have provided all of these over time at one point or another and you guys have just not done your job and removed them. I can prove 20 different ways without a shadow of a doubt that I wasnt in some of these states nor did I live in a common said during this time and can prove it due to court orders and military XXXX, during this time period. How can I be on XXXX but going to school and applying during a time I am states away and locked up, I cant, please remove these immediately! You can even look at my credit score right now and you will see a closed debt from XXXX from some of the same years that this auto loan and student loans are aquired .... Well thats impossible it could be me cause XXXX is the XXXX XXXX XXXX XXXX ... And do you know what that closed XXXX account was??? Take a while guess .... ITs from two back to back XXXX and the XXXX over paying me but not noticing until I was back state side after 36 months... So then I had to pay it back and they reported it to you ... .... So logically think how that would add up?? it doesnt.. thats cause these area ll fraudlent please send all of this and the attachemnts to experian regarding my last dispute
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

While attempting to submit payment for my student loan, MOHELA did not provide an eta for the wait time as per CA state law.

This is a violation of CA civil code statutes AB 376, AB 1864, SB 908, Section 1788.101 ( a ), Section 1788.101 ( b ) ( 1 ) - ( 6 ), Section 1788.101 ( b ) ( 7 ) - ( 10 ), Section 1788.102, Section 1788.102 ( b ), Section 1788.102 ( c ) - ( d ), Section 1788.102 ( e ), Section 1788.102 ( f ), Section 1788.102 ( g ), Section 1788.102 ( h ), Section 1788.102 ( i ) and ( k ), Section 1788.102 ( j ), Section 1788.102 ( l ), Section 1788.102 ( m ), Section 1788.102 ( n ), Section 1788.102 ( o ) - ( r ), Section 1788.102 ( s ), Section 1788.102 ( t ). In addition to several additional Federal, state, and local statutes pertaining to financial fraud. Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department.

While on the telephone with a MOHELA representative, ( XXXX, ID # XXXX ), I was informed that MOHELA is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Consumer complaint received 2024-03-27
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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-27
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. (FL)

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. XXXX, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : IS REPORTING THIS SAME ACCOUNT BANK OF XXXXEXPERIAN : IS REPORTING XXXX XXXX XXXX XXXX  ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW IT.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DOLLAR MUTUAL BANCORP (PA)

The manager of Dollar bank told me that funds were frozen by Social Security, and would be released upon notification. This practice was deceptive,, because further investigation of the matter proved that the manager ( XXXX XXXX  ) was misleading me to believe that the release of funds would take a long time to be released to me, and this was not true. 

A conversation with a Social Security agent I was told that the release of funds normally would take five days after the death of a family ( brother ) member. After 10 months, and not hearing from the bank I called the Social Security Administration and had a conversation with ( SSA ) an agent, and then I proceeded to contact a branch manager of the bank and he allegedly called the Social Security Administration, and he ( bank manager ) said that he would need a letter from Social Security Administration, however Social Security Administration told me that practice is against the law, holding money beyond the five day process. This deceptive practice is a breach of trust by the trustee ( bank ) at a time of grieving, and therefore my right to file this complaint. Furthermore, caused a great deal of hardship not having funds when needed, and a lost of interest.
Consumer complaint received 2023-04-26
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. (CA)

XXXX I found out my personal information was stolen, items stolen were state identification, passport, computer, phone social security card, bank card, insurance cards and more. I filled a report with the XXXX Police Dept. I am having hardship with renting, leasing, opting credit and other accounts using my personal identification.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XX/XX/2024 {$5000.00} wire sent to Fifth Third client account number XXXX OPF number XXXX XXXX XXXX XX/XX/2024 {$5300.00} wire sent to Fifth Third client account number XXXX XXXX number XXXX XXXX XXXX Wires were held at this bank for over a month before I was notified that the client was ineligible to receive them. 
Then, his account was closed, and this bank told him that my bank had to request the funds be returned. They did so on XX/XX/2024. 
As of XX/XX/2024, my bank ( XXXX XXXX XXXX XXXX ) confirmed that Fifth Third has not responded to the wire cancellation request. 
Calling Fifth Third yielded no assistance other than telling me to go through my bank, as they can not provide any other information.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OR)

To whom it may concern, THANK YOU for taking the time to read this. I appreciate you. You're awesome. You're probably the coolest, nicest, hardest working, and best looking representative in your company. SOLUTION : I would like delinquent payment mark removed from my credit report. Please! I don't believe it is accurate. REASON WHY : I spoke to a CHASE representative on the phone because they called asking about my late payment ( it was not delinquent yet at this time ), and I told them the date AND the amount I'd be paying. I asked specifically if this would prevent a delinquent report. They said I would be safe. But shortly after CHASE still reported it as delinquent. Please remove this report. Thank you so much for being so awesome.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

There have been a number of accounts opened in my name. I have a notice from a Barclays account in which the account was charged for the return of an unpaid deposit from XX/XX/2024 in the amount of {$3200.00}. The reason was Frozen/Blocked account. 
The check was written out to me from XXXX XXXX XXXX and XXXX XXXX XXXX for the purpose of a XXXX XXXX. 
I also received a debit card with my name on it from XXXX XXXX XXXX in XXXXXXXX XXXX XXXX. 
The Barclays account has been closed and the ticket supposedly was closed.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was part of the data breach with XXXX and my information was compromised and do not recall these files please delete off my credit report I have submitted a complaint to the ftc as well. 


Attached is information off the ftc website
Consumer complaint received 2023-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXXXXXX XXXX XXXX  I single mom and my XXXX XXXX XXXX daughter entered XXXX XXXX XXXX XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX I worked with the manage XXXX. The conversation between XXXX the manager and I was understood that if I came into the dealership he would allow me to test drive some vehicles. I enter the dealership in my XXXX XXXX. I test drove the XXXX XXXX XXXX and like it. He had me fill out a credit application and I did with the belief and hopes that he would either get me a fair trade. The XXXX XXXX was listed at XXXX. He change the price and sent my information to several creditors carelessly and lied about my the amount he paid me for my XXXX XXXX. He tried to explain to me i had negative equity in my XXXX XXXX XXXX, but he reported to the creditors my car was worth only the amount I owed. He admitted to lying to the creditors about the trade in value of my XXXX XXXX XXXX so he could make a profit. He changed the price of the XXXX XXXX from what was advertised. He charged me XXXX more than the worth XXXX the XXXX XXXX. I explained to him I was very uncomfortable, yet he not only continued to pressure me to trade in my vehicle, he invited another salesman over and used fraudulent sale tactics to get me to sign. By this time my daughter is crying and both XXXX and the sales manage were making my environment hostile. Because I felt like a hostage and the salesman and dealership manage would not let my daughter and I leave gracefully. I signed the papers and went home. I realized I never received copies of my signed documents. I felt even more immediate uneasiness. I headed back to the dealership at XXXXXXXX XXXX XXXX XXXX XXXX. I asked to return the vehicle because of the fraud of the trade in. I was with my XXXX XXXX XXXX daughter. The manage XXXX explained the only way he would trade me back my XXXX XXXX and take back the XXXX XXXX XXXX was if I paid him {$5000.00}. He explained that is how much money it costed him the night before to change over my title and license plates. I told him I didn't have {$5000.00}. He said he could not help me and if I needed additional information I needed to wait for the creditors to send me a bill and to talk to the creditors. I ask for the cooperate office contact information and he refused to give me a cooperate member to contact.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (PA)

I purchased a product worth {$110.00} from XXXX on XX/XX/2023 but received a damaged product instead. I had promptly returned the damaged product but I never received a refund even after waiting three months. The XXXX tracking id is XXXX for the return. I submitted a complaint to Paypal but they said the the information I provided was invalid and closed my case. If one goes to the XXXX website and enters the tracking number they can clearly see that the product was returned.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation (AZ)

I made a payment of {$2700.00} to my XXXX card on XXXX. Today on XXXX, my credit is still not available even though the payment was debited from my bank account. When I called this morning, the representative XXXX assured me the credit would be available by end of day today XXXX at XXXX XXXX XXXX The credit did not become available, so I called again and spoke to supervisor XXXX who informed me it would actually be available on XX/XX/11 at the end of the day and theres nothing they can do to expedite or manually apply the credit. This is terrible service from XXXX, as I have had this account and have been making on time payments for 4 months in a row.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

My wallet was stolen on XX/XX/XXXX. Among the cards stolen was my ATM debit card. The card was used fraudulently for {$99.00} and the activity was reported to USAA on that same day of XX/XX/XXXX. No additional information was ever requested by USAA. On XX/XX/XXXX I received notice that they had concluded their thorough investigation and concluded the charges were not fraudulent. I put in two requests for information that was relied on and was sent another copy of the same letter that said they had concluded their investigation and that I had the right to request the documents they relied on. A woman named XXXX who would not give last name or employee ID called me and said it was suspicious that I didnt send more information that they had not requested. She also told me there were no documents to send me regarding this investigation. USAA has since held me fully liable for the purchase. I believe this violates the EFTA in several ways. Chiefly, the time period allowed for investigations and the maximum liability allowed for fraudulent transactions.
Consumer complaint received 2023-09-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MD)

Hello My names is XXXX XXXX, I moved out of the rented apartment since XX/XX/2023 and paid all my rent on time. But i received a letter in XXXX from XXXX XXXX XXXX  that i would have to pay {$760.00} for the repair of the apartment i already moved out of since XX/XX/2023. After dispute with the management on why i must pay {$760.00} for repairs, I paid the amount on XXXX XXXX. 
I woke up on XXXX XXXX and i got an alert that there is a collection of {$760.00} from National Credit Systems.

National credit systems never communicated once with me to ask if i paid or disputing or accepting the debt. That's unfair practice and moreover, there is no way i should have a collection on my credit report on the account i paid off. 
Please help me. 
Thank you
Consumer complaint received 2024-03-06
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: JPMORGAN CHASE & CO. (FL)

JPMCB Card was opend on XXXX XX/XX/2024 for this company and it is an unauthorized inquiry ..... 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2024-03-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I have 2 Amex gift cards, one for {$25.00} and one for {$100.00}.

I tried to use the {$25.00} at a XXXX  gas station. It was denied when I put in my zip code at the pump. I took it inside to pay and it was denied there too so I paid for my gas with a different payment method. To be clear, at the gas pump there was no {$25.00} available to use, so in order to get the gas, I used my debit card. The next day I checked the balance on that card and it was XXXX with a payment of {$25.00} to XXXX showing!, Now I was trying to register the {$100.00} card so that I can add a zip code to hopefully make using it easier. Theres no way to do that, so I give up. 

I give up. I would like my {$120.00} back. Thank you.
Consumer complaint received 2023-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I recently called XXXX ( XX/XX/2023 @ XXXX XXXX  ) I was transfered several times before talking to someone in another country and informed then that I vied a current Credit File and noticed several inquiries on my report that I did not authorize and would like to speak to someone to have them investigated and or removed. Again, after speaking to 3 people and an hour later I was still told they " We not investigate Hard Inquiries as they are a statement of fact, and that I would need to reach out to the one that expended credit or to whom I've applied '' I went on to tell them that this was not me and the said creditor verified this with me. Still after several conversations with them they still denied my right to investigate and remove these inquiries from my file. 

Also, while requesting ALL 3 Credit Bureaus to reinvestigate fraudulent reporting I am constantly told that " this item ( s ) has already been investigate and remains unchanged or that I am not able to reinvestigate an item that meets FTC requirements. I then ask for their ( Credit Bureaus - XXXX, XXXX & Experian ) means of verification or validation and I am told the said creditor or court verified. They fail to send and show me their steps in validating any debt reporting to my bureaus and are constantly reporting items in which I have given NO permission to report. 

It is an FTC requirement that all items I request to be investigated should be investigated and proof of investigation should be supplied to me upon request. If I am not getting these when requested how are the Bureaus? 

I would like some resolution to this matter ASAP! I have also files a formal complaint with thee FTC with regards to these matters and will not stop until these items ( hard inquiries and accounts are removed from my personal credit file with all 3 Bureaus )
Consumer complaint received 2023-11-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file is listed on my credit reportXXXX XXXX XXXX XXXX Balance : {$290000.00}