davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

On or around XX/XX/XXXX I noticed my account said a payment was posted for approximately XXXX from a refund, I was expecting XXXX the actual dollar amount was not reflecting my balance causing a concern. I reached out and was told that its not showing because they had to wait to receive some sort of release from merchant and that it should reflect on my account by XX/XX/XXXX. I work and receive all deposits to my account. So, I calculated all of my work deposits and other sources of income from XXXX XXXX XXXX and they did not place my XXXX refund to my account.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

MY SSI CHECK FOR XXXX WAS DEPOSITED INTO MY ACCOUNT AND THE BANK REFUSES TO MAKE THE FUNDS AVAILABLE TO ME. THEY ALSO REFUSE TO SEND THE CHECK BACK TO SSI. I AM XXXX XXXX AN I NEED THE FUNDS TO BUY FOOD AND PAY MY RENT.
Consumer complaint received 2023-10-13
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have called Equifax 4 days in a row because they will not remove the freeze on my account. They say they have two freezes and that the company I applied for a loan should use my old address.

I have advised them of my new address all four times. And to no Avail. I would like to have this freeze off my account altogether because it is hurting me more than helping me. 

The last reference number I received was XXXX. I have four other numbers they gave me for the same thing. This makes no sense.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY ()

INCORRECT MARKED LATE PAYMENT AGAINST ME WHILE IHAVE BEEN UNDER A LOT OF STRESS, I THINK THEY ARE WRONG XXXX A PAYMENT IS NOT MARKED LATE UNTIL 30 DAYS, I HAVE NOTHING LATE ON MY CREDIT FILE APART FROM XXXX AMEX  WHICH I OVERPAYED AND PAID EARLY IN XXXX.THIS IS CAUSING A GREAT DEAL OF ADDED STRESS AND AMEX ARE NOT ACCEPTING A MISTAKE. 
SUPPLIED MY PRESCRIPTION AND COUNSELLING FOR XXXX / XXXX PAYMENT DUE XXXX XXXX PAID XXXX XXXX XXXX EARLY PAYMENT DUE XXXX XXXX PAID XXXX ( LATE XXXX ONLY ) PAID PAYMENT DUE XXXX XXXX PAID XXXX
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

I inadvertently sent {$650.00} from my Well Fargo bank checking account via their person-to-person system, XXXX, to the wrong person. A single phone digit was entered in error, thus sending the money to an unknown person. I alerted Wells Fargo, whom then filed a claim. Well Fargo contacted the receiving institution, XXXX, which has not respond to Wells Fargo. I contacted XXXX and was told the receiving person has not responded and to continue working with Wells Fargo. Well Fargo advised the funds may not be recoverable. I've read regulation E and it seems this type of errant transaction should be covered. Any assistance is appreciated.
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX  XXXX {$4200.00} DEPTEDXXXX XXXX {$1700.00}
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AMERICAN HONDA FINANCE CORP (NY)

Honda Financial Services dba AHFC absconded my vehicle on XX/XX/XXXX and XXXX   were informed. This was a holiday weekend so on Tuesday, XX/XX/XXXX I contact AHFC @ XXXX spoke with their representative and I stated : " this was my first time ever so what did I need to do to get my vehicle back? '' Their employee stated : " I would have to make a payment for the remainder of the loan, including repossession cost and for the title of the vehicle in the amount of {$25000.00}. '' This is on a recorded conversation. There was no deadline date mentioned. I agreed and accepted those terms and sent them a " tender of payment '' in the amount that was asked for. {$25000.00}. Called to verify if payment was received several times. They had transferred my vehicle outside of New York State, sent off to another location somewhere in Pennsylvania, claim no payment was received or posted and I had missed the " deadline date. '' Yet, HONDA still asked for payment in full. I resent the payment and verified by tracking numbers : XXXX, XXXX, XXXX and XXXX, verified " DELIVERED '' at both business locations in XXXX, Delaware and in XXXX, California where the Chief Financial Officer is located, including payment sent to the IRS. Payable to the order of : UNITED STATES TREASURY. HONDA has not honored the agreement and I still don't have my vehicle. The terms for the lease agreement changed when they accepted the " tender of payment '' made within a 16-month period and chose to close the account 25 months earlier than agreed upon as stated on my credit report. The " Right to Cure '' never took place. HONDA proceeded to repossess my vehicle, for the terms of the lease agreement had ended but, a new contract made by HONDA. The new contract was made for the remainder of the balance of the loan, the repossession cost and title in the amount of {$25000.00} and they received it. The full payment for the title as they requested on XX/XX/XXXX was met. Payment was sent in a timely fashion and HONDA has dishonored the agreement.
Consumer complaint received 2023-10-13
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. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2020-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

Received from the first attempt to be repaid for the amount in excess to the amount owed. Notice of overpayment received. Referred to XXXX at XXXX XXXX XXXX to leave voicemail requesting my refund. No voicemail no email nor check received for the amount extra taken. 

XXXX in excess my income taxes military pay indicates a different amount owed on the bottom of XX/XX/XXXX. 
XXXX from my military pay on XX/XX/XXXX XXXX refund on notice XX/XX/XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Subject : PayPal Account Limitation Appeal Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account associated with the email address XXXX. 

Firstly, I would like to emphasize that I firmly believe this limitation was imposed in error. To the best of my knowledge and understanding, I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. My account has always been used in a responsible and lawful manner. 

I kindly request that PayPal undertake a thorough review of my case. I understand the importance of upholding the integrity of the PayPal platform, and I respect your commitment to ensuring the security of all users. However, I believe that an erroneous decision has been made in my case, and I would greatly appreciate it if you could re-investigate the matter with utmost care. 

My PayPal account has been a valuable tool for managing my financial transactions, and its continued accessibility is of great importance to me. I kindly ask that, if upon review, it is determined that no violations have occurred, my account be reinstated promptly. This will enable me to continue utilizing PayPal 's services for my personal and business needs. 

I want to assure you that I take the use of PayPal very seriously and would never engage in any activities that could jeopardize my account status or the trust of the PayPal community. 

I sincerely hope that this issue can be resolved amicably and promptly. Please let me know if there are any specific steps or information required from my end to assist in this process. 

Thank you for your attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-07
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. (VA)

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 XXXX name is XXXX XXXX XXXX XXXX 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 2020-04-06
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. (NY)

Division of Child Support  Amount {$990.00} XX/XX/XXXX XXXX Department of Social Security Services Amount {$1700.00} XX/XX/XXXX These accounts must be removed immediately. They do not belong to me an they are not LINES OF CREDIT. I will file a lawsuit if they are not removed.
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: Experian Information Solutions Inc. (GA)

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 is XXXX XXXX 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 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (OK)

XXXX continues to drop my score dramastically and only raises it by a few points with good standing. They dropped it XXXX pts for a Revvi false claim. I want my points back
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In XXXX I purchased a home and entered into a XXXX XXXX XXXXXXXX Mortgage with my then husband for a 30 year fixed loan. We divorced in XXXX and I quitclaim the property title over to my ex spouse in return for cash, however he never removed my name from loan. 

XXXX XXXX XXXX and my ex-spouse modified the mortgage without my consent in XXXX, extending the term, changing the interest rate and payment which negatively impacted my credit score. This in turn increased my costs to borrow money and being denied credit. 

First, XXXX XXXX XXXX has fraudulently kept my name on a modified mortgage document I never signed. Secondly, the original 30 year fixed mortgage term has reached its Maturity Date, ending any contractual agreement between myself and the bank. 

After numerous phone calls to XXXX XXXX XXXX, they have provided no relief.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, XXXX, TRANSUNION ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a XXXX complaint, lawsuit.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my utter frustration and disbelief at the abhorrent level of service I have received from Equifax in regard to a disputed inquiry on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that Equifax, a company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. They have been removing and adding the inquiry on my account. They have been sending me updated credit report with the inquiry remove but when I check it online, its still there., This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that Equifax be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation (MD)

Where do I start? This company is a scam and takes advantage of people with bad credit. In XX/XX/XXXX, my husband and I desperately needed a car and took out a loan from One Main Financial. The loan was for {$10000.00}. The car that we purchased was only about {$4500.00} so we the rest of the loan we took and put it towards the balance of the loan.

A couple of months later, I checked the balance and noticed that the balance wasn't really going anywhere. So I gave One Main Financial a call and the lady advised me not to worry that the balance went toward the car and that interest was accruing daily. She advised me to keep the interest down, I would need to make small frequent payments and that's actually what I did. 

Yesterday ( XX/XX/XXXX ), my husband and I called because we wanted to completely pay off the loan but realized the payoff amount was {$1000.00} more than the balance ( even though we have been paying on the interest for a year )! Mind you we have been paying on the interest and the principal balance was not moving. When we got on the phone with the lady, she was extremely rude and told me that since we made a big payment we may not be eligible to make payments on the principal balance. What?!!? And if I was eligible, we would have to come into the office to make a principal-only payment.

She kept trying to argue with me and I told her this was not properly explained to me nor was the amount of interest that we were paying. This company is taking advantage of people who need money right away. She continued to tell me, " well any loan that you have is going to have an interest. '' I told her I understand that but you are continuously adding on interest. 

This was not properly explained to me during the loan signing process and I believe they are making XXXX of dollars off of fraudulent finance charges.
Consumer complaint received 2020-04-06
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. (MD)

This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. 
I did not authorize this inquiry.
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MO)

There was a total loss of the car in XX/XX/2023. The insurance company paid the balance off in full in XX/XX/2023, I also made my regular payment in XX/XX/2023. Bridgecrest reported me thirty day late when there was never a payment late over thirty days. My payments were made in full. They also received a refund from my warranty and service package purchased in XX/XX/2023 that they requested and applied towards my principal. I have also requested multiple times if there is a refund due to me and this company refuses to inform me as I know there is, and have not sent me my excess funds due me. They keep telling me to call back. There is a lot of fraudulent activity taking place there. The total loss department you can not even get on the phone. It should not take over 90 days to correct my credit report when it did not take 90 days to mess it up.
Consumer complaint received 2023-10-13
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. (NY)

XXXX XXXX XXXX ACCOUNT # XXXX EXPERIAN THIS ACCOUNT WAS NEVER AUTHORIZED BY ME TO REPORT ON MY CREDIT OR TO BUY MY PERSONAL INFORMATION. ALSO NO RESPONSE FROM COMPANY BY FCRA LAWS.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Southwest Credit Systems, L.P. (TX)

SOUTHWEST CREDIT SYSTEM has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.