davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc. (IL)

I did an application for a consumer credit transaction with XXXX XXXX in which they told me CPS needed me to put a down payment of {$6800.00} on a used XXXX  XXXX XXXX. I was also told they would also need a 60 month verification letter stating I will be getting public assistance for the length of the loan.

15 U.S.C. 1602 ( a ) Defines finance charge as a sum not including any amount comparable in cash 15 U.S.C 1691 ( a ) ECOA ( Equal Credit Opportunity Act ) prohibits discrimination against any applicant in a credit transaction whose income comes from public assistance and who exercised any right in good faith under this Act. 

The above are violations of federal law
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

I am unable to access {$380.00} in my PayPal account. PayPal has asked for my drivers license ( which I uploaded ), and now PayPal is asking for my SSN, bank statements, credit card statements, utility statements, and passport. Without that information, they will not allow me to access my funds, transfer the funds to valid accounts, etc. 

I feel that I am at risk of identity theft if I upload all that information to PayPal. This is a new PayPal account that I opened just to receive this reimbursement and I will close it after I transfer the funds. 

In XX/XX/2021, I received a payment of {$400.00} from a moving company that had damaged my furniture during a move. The moving company had requested that a PayPal request for payment, which I did with an invoice detailing that the {$400.00} is reimbursement for damaged furniture. I am not a business but an individual trying to receive reimbursement. PayPal took a {$15.00} transaction fee at this point. 

The information PayPal is asking for exceeds what banks ask for. I have already logged into my PayPal account ( validating that I own the account ) and confirmed my bank account, confirming that I own my bank account by verifying transactions to my bank account.
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ND)

On XX/XX/XXXX, I applied for a refinance. I got approved. Got an appraiser to come and check on XX/XX/XXXX. This is the same appraiser that checked my home on XX/XX/XXXX that gave the same appraiser report. I wanted to refinance for a lower interest rate one year after purchase from Wells Fargo mortgage. They did have me approved for refinance. They hired the same appraiser. I found out XX/XX/XXXX that the appraiser refused to submit his report because there was no comparable homes. I live in a town of 170 people. Why did this appraiser submit report for my home purchase but not refinance. Then it took a while to look for another appraiser. Then they finally found one XX/XX/XXXX. The bank asked for another credit check again. I waited so long for refinance to come through. Wells Fargo did a horrible disservice to my application process. Because of covid 19 I allowed this appraiser into my home and now they want to use another appraiser to jeopardize my family health safety and pull another credit. I want to report Wells Fargo for not providing proper service.
Consumer complaint received 2024-04-13
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

AMEX refused to take the charges off after my dispute. I complained about the XXXX XXXX dollars for clothing from a company picking out a few clothes for me. I also requested a new credit card after mine was stolen. I never received it. My account was closed without my permission. My bills were paid in full every month.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/year>, at XXXX, I was alerted by the TD Bank Fraud Dept XXXX via text message that an attempt was made at a TD Bank to withdraw {$500.00} using my debit card. I responded that I did not attempt this. The card was locked immediately following this, I logged into my TD Bank account and saw that four withdraws were made on XX/XX/year>, three of which were at TD Bank ATMs. The total for these withdraws were {$1600.00}. I contacted the fraud department and spoke to someone to dispute these charges. I found that my debit card was missing and was used last at a XXXX. No one has access to my pin number and no one but me lives at my address. I went to the TD Bank after work and received a new debit card, and the person that helped me noticed that the first withdraw was made at that particulate bank, followed by other withdraws in a short period of time. She made notes on this case after our discussion. TD Bank denied the dispute claiming the " transactions appear to be authorized because a valid pin was utilized at the time of the transaction. '' I returned to the TD Bank and once again spoke to the person that helped me originally, who re-entered the dispute after I had asked that someone investigate the camera footage at the three ATMs the person with the debit card used. I also voiced my concern that someone could have utilized technology to obtain the pin information from my card in the time they had it, since the first of these withdraws was made the next day. That dispute was also denied using the same reason they gave the first time. I contacted the fraud department once again on the phone and spoke to someone who once again re-entered the dispute. I asked again about camera footage for the affected ATMs, but was told I would need court documentation in order to obtain that footage.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On XX/XX/2024 I made multiple ATM withdrawals from the XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX When I tried to make my fourth withdrawal of {$400.00} the machine did not disperse any money, nor was there any error code on the screen. I immediately let the cashier know about the issue and he assured me it's an issue they have been having and the ATM company was just there that morning working on it. He told me there's nothing he could do and my bank would know to return the funds since I didn't receive any money. After waiting quite some time for the money to be returned I contacted Chime bank to dispute the charge. It's already quite an inconvenience that you can only speak with them over the phone, no email or chat option available. I have a toddler and I'm currently XXXX XXXX XXXX so it's not so easy for me to get on the phone for long periods of time to speak with a bank. I filed a dispute with Chime and they assured me that they would take care of the issue and I'd receive a temporary credit by the XXXX of XXXX. On XXXX  XX/XX/XXXX I received an email stating my dispute was denied and that I'd have to call them for more information or to fight the denied dispute. Again more of an inconvenience for me. I can not spend all day long on the phone with these people just to get my money back that I never received. I submitted a copy of the atm receipt along with my dispute so there's no reason they shouldn't be able to see that the ATM had {$400.00} unaccounted for from that day.
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I paid my Home Depot credit card on XX/XX/24, in the amount of {$220.00}. The minimum was {$210.00}, and it was due by XX/XX/24. I am now being charged late fees, and my card is now listed as over the limit because they claim I did not make a payment at all. 

I successfully completed the payment process, authorized the payment to be processed, got the " thank you for your payment screen '' but they claim I never made the payment and am now overdrawn. The XXXXbased call center employee said it could be due to a processing error on their end, but how is that my problem? I made the payment, but I'm being punished because their equipment is shoddy/inefficient? It doesn't work like that for anyone else, so why are they allowed to operate like that? 

This is not the first time Home Depot/Citi have played games with my account or payment - one other time last year they forced me to make two payments because the first one didn't go through on their end. They also frequently change my APR - I have never once been charged the same interest rate- it's as if they spin a wheel and whatever number it lands on is what I get charged. This company is reckless and irresponsible with its customer 's financial information. 

I am sick and tired of their lack of accountability and the financial strain they're putting on their customers as a result.
Consumer complaint received 2023-02-02
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. (NJ)

On XX/XX/2022 I reached out to credit reporting agency Experian, XXXX, XXXX. Letting them know i was a victim of identity theft. I sent a list of fraudulent accounts a long with a ftc report and my identification. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Which was never done which means they are in direct violation of FCRA right under the Fair Crediting reporting Act 15 USC Section 1681 violation for willful non compliance - Section 616 civil liability for wilful noncompliance ( 15 U.S.C. section 1681n ) which is 1000 per violation which i am seeking.
Consumer complaint received 2021-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am the secured party and first lien holder and i have been harassed and my rights were infringed on. violating 15 usc 1681 ( a ) 15 usc 1681 ( b ) 15 usc 1681 and 18 usc 241 18 usc 242
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (GA)

I placed a couple of orders with XXXX XXXX XXXX via Paypal. I selected the installment payments. Under the pending on my paypal account it states the customer would not be charged until it is shipped. i contacted XXXX XXXX XXXX and contacted the Representative, This was my second attempt to resolve this issue. This is very strange. If you click onto the Transaction ID Number it will give you the confirmation number for the order placed. I was provided with the XXXX XXXX XXXX XXXX confirmation number by the XXXX XXXX  Representative, order placed on XX/XX/21 XXXX ( XXXX ) order was placed by me order placed on XX/XX/21 XXXX ( XXXX ) order was place in me It appears I was charged double for the XXXX on XX/XX/21 All orders are showing pending? 
Please see attached documents
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

The following information needs to be corrected on my credit report : My name and address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ozark, MO XXXX My previous address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The following name should be deleted : XXXX XXXX And the following previous address should be deleted : XXXX XXXX XXXX. 
XXXX, SC XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2021-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (FL)

On XX/XX/2021, I received a congratulations email upon submission consumer credit application for a consumer loan. The letter specified as a result of obtaining consumer report that " your loan offer is approved '' upon meeting conditions of verification of identity and address and monthly income and expenses to determine if loan payment fits your budget according to color of custom lending guidelines in conflict with fair lending laws. 
I was told by representative XXXX that I would not be approved for requested {$20000.00} but the most I would qualify for is {$8800.00}. XXXX asked would I accept that amount, I agreed. XXXX invited me to come to location to provide identity documents and sign loan documents. Provided passport card, affidavit of identity and nationality card and 2 bank statements. Informed XXXX I was not in possession of social security Administration credit card due to confidentiality and privacy agreement in accordance to 31 CFR 1.32 and provided W2 instead. Arrived at location and was told that due to dual national status of banking relationship accounts and savings account they would have to verify whether deposit to account could be made and they would escalate it to superiors, despite my decline to direct deposit in preference to check. Company later denied consumer loan via e-mail despite advising that notice would be mailed. Received initial e-mail without reason alleging " percentage of revolving credit in use '' despite advertising use of loan to consolidate debt and preapproved notice upon receipt of consumer report. The adverse action in violation of 15 USC 1681m was provided without disclosing credit score, nor was adequate disclosure of required percent of credit use vs obtained from XXXX report. The acts of ONEMAIN were abusive in acts that are deceptive and misleading to discrimination my 12 CFR 226.2 ( 14 ) right to incur debt and defer payment of debt. the lender ONEMAIN has criminally deprived my right to credit under color of custom per 18 USC 242 as creditor in disregard of consumer protection laws 12 USC 5481.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 a XXXX account was opened under my name without my knowledge or consent and was used and left a {$1000.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-31
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to XXXX, XXXX and EXPERIAN that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX/XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask XXXX, XXXX and EXPERIAN to sent me everything they have that proofs the account is mine but nothing happens.
Consumer complaint received 2021-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (CA)

I applied for a personal loan on XXXX. I was approved for a lower amount. I did the online bank account verification process. On XXXX Upstart requested a bank statement from the last 30 days. Now I had already given the company online access to my bank account with all my transactions. And it is a common bank practice for bank statements to take a while to become available. My statements at XXXX are processed on the XXXX of the month. I sent Upstart screenshots of my bank transactions for 30 days, this was not sufficient. Then Upstart requested a complete personal bank statement showing income deposits from within the last 30 days. I then sent them the income deposits as requested, this was not sufficient. Upstart started to inquire about personal loans from XXXX deposited into my account. These loans were under my husbands name. Even though they stated in their emails that I only needed to submit the promissory notes only if my husband was a signer on my bank account, which he is not. I still sent them the promissory notes. My biggest complaint is Upstart claimed I had two personal loans deposited into my account on XXXX on from XXXX and one from XXXX XXXX. This was completely inaccurate, the only personal loan deposited into the account was from XXXX. I have an email where this is stated. I inquired about where are they getting their information about the loan from XXXX XXXX and I never received a straight answer. Once I challenged this second loan, they never brought it up again. For the next 10 days I sent every piece of information requested. On XX/XX/14 my loan was denied. Upstart stated I had another personal loan account opened since submitting my application. This is a complete lie. My credit report did not change in 10 days. All of the notices I received stated my loan was approved, not pre-approved. Upstart lied about items on my credit and deposits made into my bank account. I had a previous loan for $ XXXX with Upstart, my payment were on time and I paid the loan off early.
Consumer complaint received 2023-07-31
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. (SC)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
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. (MI)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX