davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (WA)

NEVER USE PAYPAL!

We purchased an electric lawnmower for {$2200.00} using PayPal. This turned out to be a fraud. We never received anything! We filed a dispute in XXXX of XXXX with PayPal. Paypal agreed it was fraud and reimbursed us. Then they billed us for the no show lawnmower again and our auto pay from our XXXX XXXX  automatically paid PayPal for the incorrect charge. We have been filing disputes and getting refunded and re- billed ever since. We have spent hours and hours trying to resolve this. We have all the documentation to prove we do not owe PayPal anything, in fact, they owe us for interest they charged and {$50.00} they neglected to reimburse us. Now Paypal has charged us twice for this and our account reads that WE owe THEM {$4500.00}!!! We are a retired couple on XXXX income. My husband is XXXX with XXXX. This grievous abuse is causing us so much stress. PLEASE PLEASE HELP US!
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.
Consumer complaint received 2021-01-09
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. (TX)

XXXX, XXXX. 
XXXX {$280.00} Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit this does not belong to me, fcra violation. names addresses employers wrong. see attached.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

On XXXX XXXX, XXXX XXXX XXXX was paid in full and closed my XXXX loan account. Since XX/XX/2024, I have requested that Equifax update my credit report to reflect the account as closed and paid in full. Equifax has not updated the account status oh its website ( see attached statement from Equifax ) despite being provided with a copy of the attached letter from XXXX. ( see attached letter from XXXX ). 

I have attached a copy of my latest Equifax report dated XX/XX/2024. The report shows XXXXXXXX XXXX loans with a balance of {$130000.00} and is listed as opened and payment deferred. This is inaccurate because the account has a XXXX balance and is closed. Equifax has computed the opened balance into my overall credit score which has caused me to be declined for credit. 

Because the information is incorrect on my Equifax Credit Report, it is also incorrect on my XXXX credit report.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (TX)

I had opened a Checking account with BB & T last month. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. 

Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. 

Moreover My XXXX payment request is also blocked or stopped. 

I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times.
Consumer complaint received 2023-03-03
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)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX I got a credit card with saks Fifth Avenue, I was {$100.00} in debt with them I called them to make a rangement and they said my card will not be close, the next day someone from capital One call me from the corporate office telling me that the whole balance will be taken care of {$510.00}. Until this day capital one is reporting this all my credit report after they said they will cover the whole {$510.00}, because they made the mistake for closing my card after they said my card will not be close and I can make the payment for the XXXX dollarse to catch up my payment!! Capital one still have this on credit report as today!! The corporate office said they XXXX out the whole bill and they lie, because someone told me this and they Sorry for the inconvenience and they will make good one not charging me the {$510.00}. This was in XXXX when one of Capital one representatives from the corporate office said they will not bill me for the {$510.00} that it will be XXXX out!!! I am so upset because they lied to me and here it is XXXX and I still have it on my credit report!!!
Consumer complaint received 2022-07-30
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. (KY)

Per the FTC more specific the GRAMN-LEACH BLILEY ACT 15 USC 6802 ( a ) notice requirements. except as otherwise provided in this subchapter, a financial institution may not directly or through any affiliate disclose to a non-affilated third party nonpubic information, to a consumer reporting agency.

15 USC code 6802 ( c ) the consumer is giveing an explantion of how the consumer can exercise the non-discloure opition, to OPT-OUT
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (KY)

Per the FTC more specific the GRAMN-LEACH BLILEY ACT 15 USC 6802 ( a ) notice requirements. except as otherwise provided in this subchapter, a financial institution may not directly or through any affiliate disclose to a non-affilated third party nonpubic information, to a consumer reporting agency.

15 USC code 6802 ( c ) the consumer is giveing an explantion of how the consumer can exercise the non-discloure opition, to OPT-OUT
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Our mortgage was sold to Nationstar Mortgage LLC d/ba Mr. Cooper late last year, 2022, and they have force placed insurance on our mortgage. We have attempted to upload more than six times our updated flood insurance information only to receive every time an error message " Email input error. '' Their website address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have tried to upload the documentation in .pdf regular and compressed format in addition to .jpg format all receiving the same error on multiple different dates from multiple computers only to receive the same error message. I emailed the policy documentation to Mr. Cooper at XXXX and also to XXXX and have never received an acknowledgment of receipt or any type of response. Our insurance company, XXXX XXXX XXXX, advised me that they faxed the updated flood insurance policy information requested to Mr. Cooper as well. I have called Mr. Cooper. I have chatted with Mr. Cooper. I have emailed Mr. Cooper. There is absolutely no assistance or resolution for this. I was simply told that they would research this and get back to me within 5 to 7 business days. I filed a complaint with the Better Business Bureau and attached to the complaint the requested proof of flood insurance. Mr. Cooper simply recently responded with a letter asking me for the email address of where I sent the proof of flood insurance as they have not received it and they still will not remove the force placed insurance. The complaint filed with the Better Business Bureau against Mr. Cooper had the proof of flood insurance attached to it so they do absolutely have the necessary documentation to resolve the problem and cancel the force-placed insurance policy placed on our mortgage. They are denying that they do not have the documentation by simply asking me for the email address that I sent it to and saying they have not received it. They have taken money from our escrow account and used it to purchase a policy of insurance that we do not need and did not authorize them to purchase. It is unethical. I can not believe they are doing this sort of thing to their customers. Back in 2014, there was a class action suit against Nationstar for force placing insurance on their customers. Unbelievable that Nationstar is now doing it to their customers again under a new name, Mr. Cooper.. I have NEVER had an insurance company conduct business in this manner. I posted on their XXXX page about the problem earlier this week and they advised to call them for help. I decided to call to give them another opportunity to fix the problem and all I got was we are researching the issue and can not help you at this time. No customer service whatsoever. Worst company I have ever had the pleasure of dealing with on our home mortgage and we can not do anything about this because they bought our mortgage so we are stuck with them.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: A.R.M. Solutions, Inc. (NY)

A call claiming to be the daily news contacted me last year saying I owed money. I never had the daily news. Now a company called a.r.m solutions inc say I have been sent to collections. They want {$35.00}. The mail is dated for XX/XX/2020. The company is in A.R.M solution inc is from XXXX, California. The daily news saying account receivable from XXXX, KY.
Consumer complaint received 2022-07-30
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 — Problem with personal statement of dispute
Company: CCS Financial Services, Inc. (KY)

have sent 3 certified letters to both companys with no solution to the problems, per 15 USC 1692g this company was to notify me of this account, i was not notifited as the original creditor only i can validate this debt. i do not validate this debt therfor this account must be deleted. 
the reporting of this account is in violation of 15 usc 1681 and the fair credit reporting act 15 usc 1681 ( a ) ( 2 ) ( B ) furthermore, Regulation F Under the FDCPA section 1006.30 ( a ) generally prohibits debt collectors from furnishing information to a consumer reporting agency before debt collector either speaks to the consumer, and or sends validation notice and waits a reasonable time to receive notice of undeliverable.
Consumer complaint received 2021-01-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (LA)

At end of paying off auto loan 6 years period and maturity date is XX/XX/2021. Santander stating that I may owe a balance after maturity date when last payment is made etc. Was not informed of this on getting original loan and through conversations with agents
epresentatives was told when my last payment made car loan will be paid off. Recently was told because of extensions I received on loan ; would have a balance or balloon payment yet I am paying interest at high rate. Would not even give me any estimate and vague about answering questions concerning the loan pay off.
Consumer complaint received 2023-03-03
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (CO)

So on XX/XX/XXXX I made a car payment to American credit acceptance on they web payment portal. The amount was for XXXX. But on the next day I noticed it came out twice. The other being on XX/XX/XXXX. So now they have taken over XXXX from me. So I try to talk to them but nobody wanted to help solve it. So I contact XXXX  ( my personal bank ) and they gave me provisional credit so I can pay my insurance with some of the money which was on XX/XX/XXXX. Recently I noticed the loan said behind and they said I took the money back even though ents fraud department has yet to give the money back cause American credit acceptance refuses to respond to me or XXXX about the situation. I got the XX/XX/XXXX payment ready but not paying it till this gets resolved. But they are claiming they never got the XX/XX/XXXX payment even though it went through twice. Would like this solved with hopefully not getting lawyer but did some research online and heard they are a very shady company.
Consumer complaint received 2021-01-08
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. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. My current address is XXXX XXXX XXXX, XXXX, Oh, XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2023-12-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc. (VA)

After filing a previous report for a similar situation, I requested again my credit report from XXXX, and XXXX, to my surprise it shows that there is another debt collection under SENTRY CREDIT INC., account number XXXX, representing Creditor XXXX XXXX XXXX, showing a balance of {$19000.00}, date opened XX/XX/XXXX, past due as of XXXX, XXXX. I am just a victim of identity theft, since XX/XX/XXXX when my bag with my personal documents were stolen from a vehicle which was reported immediately to police. I am owner of a property since XXXX, where I live and do not have the need to rent an apartment. 
Please, help me how to handle this problem or what to do to avoid this happening again,
Consumer complaint received 2022-07-30
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 — Problem with personal statement of dispute
Company: GLA Collection Company, Inc. (KY)

have sent 3 certified letters to both companys with no solution to the problems, per 15 USC 1692g this company was to notify me of this account, i was not notifited as the original creditor only i can validate this debt. i do not validate this debt therfor this account must be deleted.

the reporting of this account is in violation of 15 usc 1681 and the fair credit reporting act 15 usc 1681 ( a ) ( 2 ) ( B ) furthermore, Regulation F Under the FDCPA section 1006.30 ( a ) generally prohibits debt collectors from furnishing information to a consumer reporting agency before debt collector either speaks to the consumer, and or sends validation notice and waits a reasonable time to receive notice of undeliverable.
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch (NY)

In XX/XX/2017, I purchased one blazer and two different pants ( size XXXX and XXXX ) from XXXX XXXX. Within two weeks, I sent back size XXXX and canceled size XXXX. Then I purchased a smaller size XXXX. I also sent back the size XXXX for a size XXXX within the same time frame. When it came time for payment, I sent a check for {$75.00}, which covered the XXXX pants ( {$30.00} ) and the blazer ( advertised for {$41.00} ). On XX/XX/XXXX, I spoke with XXXX ( Confirmation # XXXX ) and called XXXX at XXXX XXXX/XXXX XXXX XXXX on XX/XX/2017, to make sure the previous charges were removed. They explained that I would be receiving a bill credit of {$24.00} for now and to give the process 60 days to work out the removal of other charges. I received the aforementioned credit but never was credited for the {$34.00} for the size XXXX pants. Since then, my bill has grown to {$300.00} in the last statement received. This balance is not correct, as I paid off everything the first time ( see check # XXXX XXXX.
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (MI)

On XX/XX/XXXX a collection amount of {$630.00} was opened and placed on my credit report as a derogatory remark by XXXX XXXX a credit card by XXXX XXXX that I had paid off in XX/XX/XXXX it was only {$85.00} left on my statement. I reached out to the company and told them that I did not receive any paperwork on why it's being sent to collections and was never notified about any payments that had to be made nor did i get any mail saying i owe any money when i paid off the card. I now can not get anything done when it comes to mortgage, car service, loan service because of this mark on my credit and the company did not show any help. I'm XXXX years old and I don't think this should be haunting me into my adulthood when the bill was paid already.
Consumer complaint received 2023-03-03
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (TX)

XXXX XXXX bought bmw financial serives na llc was not the company i bought vehicle they stated to irs that XXXX was a canceled payment that was not charged to me the truck white was repossesed and now they refuse to send a XXXX because i cant verify the phone number. but my social security number was and address but since XXXX i no longer have that phone number. So i need XXXX or i will not get income tax for the report they submit it to irs.