davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
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: Prosper Marketplace, Inc. (CA)

I cannot attach an application or other documents other than the image from XXXX   because I was not provided any access to the documents or interviewed at any time by a loan officer. Proper Loan company pulled a credit inquiry lowering my credit score XXXX  points and denied my application prior to the application being filled out with complete financial information I they did not allow me to provide. I am a member of XXXX. I received a notice from them that Prosper lending company had "pre-approved" me for approximately a 6% personal loan. I was going to pay off some credit cards with this. I filled out the application, however, I had some business details that I could not upload, and also some other financial information. For instance, we paid off a XXXX  loan a few days earlier, and they wouldn't have seen that payoff. I contacted them on XXXX XXXX by phone, as they had left a message. I contacted them twice speaking to employees, and they could not forward me to the persons who called me. I explained that I had not completed the application for the loan, and I need to provide the information they need to grant the loan. Yet, instead, I received a call that they denied me the loan without any offer to allow me to complete the loan application. I was never interviewed by any prosper employees regarding this loan application and ultimate denial. It is arbitrary to negligently send derogatory inaccurate credit information to reporting agencies. This company did a bait and switch advertising and is harming peoples credit score without allowing people to complete the financial report application. I have a credit score of XXXX, and this is reported without the acknowledgement of a XXXX debt that I recently paid, but not yet reported, which is typical and they should have asked me questions, and they did not even allow it. Also, I was denied in the application the ability to report an additional XXXX  income from business that I could not get the financials for due to the holidays.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with XXXX XXXX  was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called XXXX XXXX  today and they totally agreed with me ( XXXX Option # XXXX  ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX  credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with XXXX XXXX  was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called XXXX XXXX  today and they totally agreed with me ( XXXX Option # XXXX ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.
Consumer complaint received 2019-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: STATE EMPLOYEES CREDIT UNION (NC)

on XXXX I obtained a auto loan with NC State Employees Credit Union. I finalized my loan with XXXX XXXX  who advised I could have an extended term of 7 years at XXXX in which I agreed which was based of an 4.25 interest rate and took my new auto loan. When I received my documents in the mail to sign on XXXX  the rate was 5.75% and the payment of XXXX  I contacted the Credit Union on XXXX   and spoke with XXXX who advised that XXXX quoted my payment off the incorrect interest. I was then advised that they could not give me what was quoted and that I should have read the website for rates and needed to go to the Branch for resolution. On XXXX  I went and spoke with XXXX XXXX at the Branch and was also advised that they apologize for the error but the they could not allow the terms that was quoted and could extend my loan for 8 years making me keep the car longer than agreed and the board will not make an exception. As a consumer I feel I am being penalized for the Credit Unions mistake and that I should just sign the documents and not read them. I advised them when XXXX   printed my documents and noted the error, I should have immediately been contacted of the error while I was still at the dealership. Instead, I left in good faith that I was given accurate information and I was mailed documents as if it would never be noticed. Granted the difference is not much but I should be granted what was disclosed to me and agreed upon. what the bank has offered me as a remedy still benefits them and not the consumer as they will make money off incorrect information. I am left with either accepting what they offer or rescind my loan and turn the vehicle in. I spoke with a supervisor (XXXX) at the Contact Center has asked for the calls to be pulled to proof I was indeed given inaccurate information and was told it could not be done. Most banks when these errors are made the rate can be deviated, but all I am hearing is we all make mistakes and we are human. As this is true, you still should do right by your member/customer.
Consumer complaint received 2022-09-29
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. (NY)

n accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2023-02-10
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. (LA)

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 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 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with XXXX XXXX  was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called XXXX XXXX  today and they totally agreed with me ( XXXX Option # XXXX ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

Taking into consideration the information that on my credit file from these particular ( 3 ) consumer reporting agencies known as Experian, XXXX, and XXXX at this  time is inaccurate, incorrect, an untrue credit card data. This inaccurate information has affected and impaired my financial health with the " Fico Score system. '' As of this date XX/XX/2015, my Fico score has been impaired and not populate accurately because the ( 3 ) bureau 's has used an inaccurate card known as the " n Rewards '' credit card to populate my Fico Score. This release of inaccurate and faulty information known as the n Rewards card has weakened and damaged my credit health since XX/XX/2015.

Therefore I seek to have the ( 3 ) bureaus correct this handicapped information that was used an provided to anyone inquiring about my credit health since XX/XX/2015. 
The correct plan for implementation and execution should have been used by the ( 3 ) credit bureau was the " XXXX XXXX XXXXXXXX '' credit card but was not used by the bureau's..
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XXXX XXXX I mailed documents to Equifax for an account that does not belong to me. In that dispute I included proof that XXXX XXXX XXXX failed to validate their account and I have never received goods or services from this company. 
I thought it would be an easy fix. But, to my surprise Equifax verified the account as accurate and refused to provide any documents supporting their results. 
After EXTENSIVE research I've provided more proof to Equifax proving XXXX XXXX  XXXX were sued and are out of business. The account also states sold on my credit report. I have no idea who is updating this account. 
This account was removed from XXXX  and XXXX  without any problems since XX/XX/XXXX. 
on XX/XX/XXXX. I called Equifax because the account was not only verified as accurate, they even added on-time payments for a year. I have not made any payments on this account. 
I spoke to XXXX who was very helpful then I was transferred to XXXX in the fraud dept. XXXX was very rude. I asked XXXX to transfer me to a manager/supervisor and XXXX was even more rude than XXXX. They each kept calling me ma'am even after I stated several times that I am a man. They each apologized after being corrected by me. XXXX harshly said mister as if it was funny. 
I pay a monthly membership to Equifax and I have never encountered anything this terrible! XXXX assisted me with properly filing a complaint. 
I was just calling because I need to know how this account was verified after all the proof I've submitted?
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have 2 credit card accounts with Bank of America. 
My account ending in XXXX had its typical payment due on XXXX. I selected that card to pay on line through their payment system as I do monthly. I paid {$100.00} on XXXX towards the {$100.00} minimum payment due on XXXX. They incorrectly applied to another OLD account number ( ending in XXXX ) for the 2nd account, which was changed MORE THAN 4 YEARS AGO by them. That account 's number CURRENTLY ends in XXXX.They then charged me a late payment fee of {$38.00} for the " late payment '', because of incorrectly applying the payment to the wrong account. 
I should not have to pay the late fee because THEY offered up a dated, wrong account number which made it appear as though I was late, even though I paid more than the minumum that was due on THEIR incorrect system. 
I was not able to resolve this with them through a telephone call.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC (IN)

Served an order to appear in court on XX/XX/XXXX from Lloyd and McDaniel PLC. It states the plaintiff was XXXX XXXX XXXX. The document states that I am the owner of a debt obtained on XX/XX/XXXX in the amount of XXXX. I had to appear at court on XX/XX/XXXX which I did. At that time there representative was about to leave but I stopped him and stated what I was there for. He asked my name and I told him. It was at this time I had asked him whom was the debt from and he stated he did not know and that I could call a XXXX number and they could tell me more information. He stated he was just there to ask XXXX questions that I answered. When I called the XXXX number the agent I spoke to was rude but I asked him where did the debt come from especially since it was a debt from almost 10 years ago. He stated XXXX XXXXXXXX XXXX At that time I told him I never opened an account up with XXXX XXXX XXXX and I requested he please send me all the original documentation to verify that I was the owner of this debt. He laughed and stated ok and hung up the phone. XXXX XXXX XXXX is a credit card company and I don't have any memory of opening an account with them at that time. I still have not received the documentation or spoke to anyone regarding this situation. My complaint is that they are trying to garnish my wages for a debt that may not be my debt and also if it is a credit card then they are well past the statue of limitation for this debt. This has cause a lot of unwanted stress in my life.
Consumer complaint received 2023-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (VA)

On or about XX/XX/XXXX, I contacted my personal loan lender Upgrade Inc, my personal loan payments were on autopay for the 4th of the month, however, I changed banks and was unable to modify my autopay through the Upgrade app. I contacted support via telephone and was told, that the auto pay was already in process and could not be modified to wait until my payment is returned from my old bank to modify my autopay. Not being able to modify the auto pay, I paid manually each month. I started to receive credit alerts of an adverse action on my account and thought this must be a mistake. I had noticed that my monthly charge had increased with no additional purchases made and decided to check my monthly statements before contacting the company. Looking over my monthly statements I immediately noticed discrepancies in where my payments were being distributed. Initially, most of my payments were going to the principal, however, lately my payments were going all to interest with less than 25 % going to the principal balance. 
When I contacted the company, I spoke with a young lady who went over my account and informed me that due to returned payments for the last several months to the account that I previously informed had been closed, more of my payments were now going to the interest. I advised her of the previous call, which she was able to verify. I then informed her, that they have been paid on time regardless of weather, they were attempting an autopay on a closed account and that I needed my account fixed. I am a full-time parent, student, and employee, so I did not wait on the phone for her to resolve the issue. On XX/XX/XXXX, I called Upgrade again and this time requested to speak with a supervisor. That phone call lasted for 1 hour 45 minutes : I spoke with a supervisor a very nice gentleman, who profusely apologized for the inconvenience their incompetence had caused yet insisted that there was nothing he could do, that I would need to pay the additional fees however if I would like to have more of my payments go to the principal he would be happy to assist with an additional payment now. 
XX/XX/XXXX, I filed a complaint with the Federal Trade Commission, complaint # XXXX and the XXXX XXXX XXXX # XXXX. The company has sent several emails since the XXXX of XXXX but have failed to return my calls, to XXXX the account representative who was assigned my case, I have withheld payment since XX/XX/XXXX and will not continue until they fix their mistake. I would like them to fix my account, as it is not fair that I should have to pay financially for their incompetence.
Consumer complaint received 2021-08-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I sent letters on XX/XX/21, XX/XX/21, and XX/XX/21. I have still yet to receive any response from the credit bureaus. I've allowed ample time for them to respond to my disputes but they have failed to respond. along with this complaint, I am sending another letter to the bureaus for them to delete the accounts in question
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NPAS, Inc. (NC)

I received a call from a company that called itself XXXX. their phone number XXXX. They called saying i owed a debt to XXXX XXXX XXXX XXXX XXXX nc. I do not, my insurance pays for everything. When i spoke to XXXX  they in formed me that they did not know the company nor did i owe. It would seem that this company aquired my information some how and not legaly. The hospital is XXXX XXXX XXXX XXXX XXXX  nc. I can only assume that XXXX XXXX system may have been hacked or violated in some way. this happend on XX/XX/2021 at app XXXX XXXX  that was the time of the call to me. XXXX have done NOTHING. I did notify my security company and had an alert put on my credit report etc. XXXX my carrier was also notified and helped with the alert.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i went to bank of america so deposit my check of XXXX the teller advice me not all the funds were going to be available but {$200.00} XXXX on the XXXX and the remaining balance on the XXXX i have the printed receipt of the stating the dates, i then check my on line account and verify the funds and seen that the my check was now on hold until the XXXX and now i check my account again and my funds are held until the XXXX of the month i called spoke to teller and supervisor and manager and a simple " sorry '' will not buy me groceries for my and my child never the less pay my rent or my car payment and other bills, i work hard for my money .... i also spoke to a manager from the branch were i originally open my account and she stated my checks will not be held, i trusted them now im completely in a hole with my bills because a teller gave me false information i was misguided by a bank of america teller and i have to pay the consequences of been served a 3 day notice to quit because i have not paid my rent i need help please help me this is not fair why is bank of america discriminating me misguiding me and giving me false information!!!!!
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

CFPB Case No. XXXX LVNV Funding LLC , d/b/a Resurgent Capital Services L.P., in response to your query on my behalf ( re : your case number annotated above ), agreed to " satisfy the account for {$9100.00}, '' as long as I rendered a payment by XXXX XX/XX/XXXX. In compliance, I submitted the first payment in the amount of {$200.00} ( via direct debit - telephonically ), XXXX XX/XX/XXXX. After the initial payment was made, I authorized the collection agency to make recurring automatic deductions from my bank account in the amount of {$150.00}, on the XXXX of each month ( XXXX 's deduction was in the amount of {$160.00} ). The recurring automatic deductions continued without interruption, through and including, XXXX XX/XX/XXXX, bringing the total amount paid to {$4100.00} I made an additional payment of {$1600.00}, XXXX XX/XX/XXXX, bringing the grand total paid to {$5800.00}. 

Based on their documented agreement to satisfy the debt for {$9100.00}, less my total payments equating to {$5800.00}, the remaining balance is {$3300.00}. However, the collection agency continues to erroneously report the outstanding amount as {$7400.00}, on my credit reports, and seemingly intentionally refrained from documenting the scheduled payments on one of my credit reports ( XXXX ). 

Furthermore, every time I telephonically asked the collection agency 's representative why the settlement amount was never documented on my credit reports, nor via any of the " payment received '' e-mail transmittals, I was consistently informed that the settlement amount would only be reflected after the entire amount had been paid. 

I decided to stop making payments based on my belief that they had no intentions of honoring the initial agreement.
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MN)

I was using XXXX for drop shipping, my complaint is about PayPal. They told me I'm not able to do business with them even though I've sent them proof of my business with XXXX. They had me wait XXXX for my customers funds and I was forced to close my store. 
This all occurred over the past 2 years.
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (GA)

This is a reverse credit card complaint. 

My complaint is with Chase Merchant Services. My company previously had online  credit card services with them in XXXX  (we used their company to run credit cards for purchases made to us). This company started a reserve for charge back services for our company. Our account was closed out with them in XX/XX/XXXX, at the time we were told it would take 6 months for the funds to be returned to us. It is now XX/XX/XXXX, TWO years since the account was closed and we have yet to see a dime of OUR money from this company. We have called repeatedly, been given the run around, sent to a million different employees "who can help solve our issues" yet we have seen no refund and gotten no assistance. This is my next step before legal action is taken.