davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (FL)

I called them about my payments being high and i needed to refinance because the car was having XXXX  problems with just a year of use and i wanted to get a bette  workable car they reused to refinance me and i told them i cant afford it to take it back they refused to take it back and said they couldnt do anything about it so when payment was not recieved thery repoed me and sold the XXXX  i asked for how much they refused to XXXX  me and said i had a balace of XXXX XXXX  I told the i will not pay that and they kept harassing me with phonecalls at all hours of the XXXX
Consumer complaint received 2023-01-19
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX  XXXX Balance : {$9100.00}
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (AZ)

NATIONWIDE RECOVERY DOES NOT HAVE LICENSES TO OPERATE IN ARIZONA WERE I RESIDE.   THEREFORE THEIR COMMUNICATION TACTICS AND ATTEMPT TO COLLECT AN UNVERIFIED DEBT IS AGAINST THE LAW.   REMOVE DEBT / COLLECTION IMMEDIATELY.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Every time I get paid they delay processing my check which causes my bill payments to bounce. Even if the money is in the account the next day they still return my bills as insufficent funds. I have called them to let them know money will be in the account the next day and they still sent my payments back. 


I feel that this stems from a lawsuit I had with the bank that I have not paid off yet. I fell into some hard times and asked them to let me go without paying for a few months and ever since them I have been having this issue with them
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX I went to XXXX XXXX XXXX station located at XXXX XXXX XXXX, XXXX, NY XXXX to put some gas in my car. I have been using this gas station for a while. 
I gave my AMEX credit card to the young guy in the pump, he asked for the Zip code and he proceeded to put the gas. The total amount of the transaction was {$35.00}. 
By XX/XX/XXXX I received a text from AMERICAN EXPRESS verifying a transaction this day from the same company by {$250.00}. I texted right away that I didn't authorize this transaction. 
I went online to check my account and I realized there were 2 transactions made for this same company : One for {$300.00} made on XX/XX/XXXX and a second one for {$250.00} made on XX/XX/XXXX. 
I called customer service and I told the representative that I didn't recognize those XXXX transactions and that it must be a fraud. She told me that AMEX is going to investigate the issue. 
I called XXXX spoke with another representative. He, this time, cancelled my CC and told me that he is reporting these 2 transactions as Fraud. I will contact the Police also.
Consumer complaint received 2023-05-13
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX  Balance : {$330.00} XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022.
Consumer complaint received 2024-08-30
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 (NJ)

I've been doing business with Venmo for some time and i complied with all of their requests, i supplied them with my SS. number my residence address, my telephone number, my email address, my personal account number at XXXX XXXX my business account number at XXXXXXXX XXXX 
Then one day they freezed my account for no good reason only saying they need to verify that this account belongs to me and the only way they will do it is if I will send them a photograph of my ID, I told them I don't feel comfortable sending my ID over the internet and they have enough information if they need to verify that this account belongs to me. 
I called a few times and spoke to different representatives none of them could help me unfreeze the account saying the only way I can do it is by complying. and now i have to send them a SELFIE of me holding my ID in addition to a copy of my ID card. i really don't feel conferrable doing that. 
I have attached the email thread I've been discussing with them. At this point they will not let me transfer my funds to the same bank they have on file or let me make any purchases.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

TO CFPB Dear Sir/ madam I have argument with National Grid because it was inaccurate information to me. 
I am writing to let you know about this bad business practices of billing history that I called XXXX XXXX customer service upon final bill to me and I demanded to come to the reading meter. 
I talked with customer service ( a gentleman man ) from XXXX XXXX, and he told me that we would be changed, and national grid would be refunded my deposited money. But I never received it. Also, they did not read the final meter for me. They ignored customer service requested meter reading. Thats why I disputed it. 
I told XXXX XXXX that I really needed meter reading from your company because I already had experience with XXXX XXXX XXXX that they overcharged me too. But they came to the red meter and after that they had refunded me more than I expected. 
Secondly, I opened my restaurant on XXXX XXXX, 2021 and I received the first bill on XX/XX/2021. 
It was {$4200.00} XXXX, I got an operation only XXXX days ago. I strongly believed that it was an illogical bill and I suspended it. 
I have just XXXX days of operation in a week. Also, my restaurant was not busy at the time. I was concerned about being charged {$4200.00} electrical in the small restaurant operational cost for the first eight day. 
Also, XXXX XXXX installed a new meter at my restaurant in XXXX, but national grid first billing was started on XX/XX/2021 to XX/XX/2021. So, I was concerned there was something wrong with me. 
Therefore, I strongly believe that it was bad business practice or mismanagement for me and unverifiable information for me. Thank you. 
Sincerely, XXXX XXXX Please logically think that I operated small restaurant extaxtely 3 months only in COVID pandemic period and XXXX XXXX charged me total {$8400.00}.
Consumer complaint received 2022-11-23
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. (TX)

Hello, I am disputing information on the following accounts : 1. ) XXXX XXXX XXXX XXXX XXXX  - - A. ) Account history says " 90 days past due as of XXXX XXXX XXXX', but there's no " 90 days past due '' payment data in the Account history chart. - - Please correct this error or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX XXXX  - - A. ) Account history payment data is XXXX  for XX/XX/XXXX through XX/XX/XXXX. Please supply this information or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX XXXX - - A. ) Account history shows " 150 days past due as of XXXX XXXX XXXX XXXX '' How can both be true? You can't be 150 days late consecutively from XX/XX/XXXX to XXXX XXXX This isn't possible. Please correct this data or delete the whole account. 
B. ) 'Payment history Data ' is XXXX for XXXX XXXX  to XX/XX/XXXX. Please supply this data or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX  - - A. ) Payment history chart shows : XXXX XXXX  - 60 days late | XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX 90 days late | XXXX XXXX  - 150 days late - - there is MISSING payment data, and how do you go from 90 days to 150 days from XX/XX/XXXX to XX/XX/XXXX? This isn't possible. Please either supply the correct information or delete the whole account. 
B. ) There's also NO Payment DATA for XXXX XXXX and XXXX XXXX Please supply this information or delete the whole account.

______________________________________________ ______________________________________________ 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - A. ) You have {$6900.00} written off and {$6900.00} past due. Which one is it? They both can't be true. Please correct this information or delete the whole account. 
B. ) Account history shows XXXX XXXX XXXX XXXX  are 150 days late ( consecutively )?? How is this possible? You can't be 150 days late from XXXX XXXX XXXX. It doesn't make sense. Please correct these errors or delete the whole account. 

**I 've attached screenshots of my Experian credit report for review**
Consumer complaint received 2023-05-13
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: Bread Financial Holdings, Inc. (CA)

I wrote a letter to the company to please remove my derogatory remarks and was denied. I don't know the exact date but I sent the letter to the corporate headquarters.
Consumer complaint received 2023-01-11
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-05-13
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1400.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-14
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. (FL)

While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off.  So HOW can my   XXXX   be lower? OF course you 'll give me the unfortunately leav ing off the total debt is less.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CA)

I don't recall having a contractual relationship with this collection company Pro Collect. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NY)

I got notice of an inquiry from Comenity Bank ( which I never heard of ), and apparently, the company ran a " credit pull '' without my authorization. 
So I have an " inquiry '' on my account that WAS NOT AUTHORIZED BY ME. 
I also have a credit card in my name that was NOT authorized by me.
Consumer complaint received 2023-02-23
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. (FL)

These accounts DO NOT belong to me.I was a victim of identity theft! I have contacted both credit reporting agencies and the creditors for a resolution. Through phone, mail, and online. As well as filed a police report. 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 MO XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

I requested information from this creditor last XX/XX/2024 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was denied an auto loan. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

Capitol One auto finance XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 Amount : {$90000.00} I tried calling but no answer.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Called multiple times since my loans became due-more th an 20 times to get forms to have my loans discharged beca use I am  XXXX  and have been for a long time. Nobody sent me paperwork via email or through  US Mail  and my loans are still showing due.
Consumer complaint received 2023-02-22
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. (CA)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. 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 DELETED 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