davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

XX/XX/2019 as a well know auction company, an agreement of consignment was endorsed advertise/market and sell absolute on site auction of a variety of personal property. The people endorsing the agreement, paid $XXXX for initial advertising/marketing cost, sent via Paypal. There was cataloging, profiling, clean up, photos, several thousand colored brochures printed and mailed to varies potential buyers, several extra trips due to their construction issues, several employee's (10)+ making 10+ trips to work. Advertising in local newspaper, internet sites, on line auctions performed. Due to the unexpected auction turn out and sold items, the sellers wanted their advertising/marketing money returned. Their objection and complain to Pay Pal was DID NOT RECEIVE MERCHANDISE,  but there was not merchandise, only services as advertising/marketing, cost of the auction.
I sent a copy of the agreement, expenses, and copies of the sold items of over $10,000.00, our company had several hundred dollars of out of pocket expenses, But, Pay pal advised and ruled in the sellers favor. Due to the arrangements of their firm, we have been TOTAL unable to speak with anyone, ONLY a virtually chatter. We need your assistance in resolving this issue. 
Thanks
Consumer complaint received 2019-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

An OLD credit card OVER seven years old was removed from my account last summer due to the account being OLD. NOW, it has appeared on my credit report again recently with the same information just a new date and NEW collection agency. This should NOT be on my credit report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with Equifax, and XXXX it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that Equifax, and XXXX has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2019-12-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I sent a letter to XXXX XXXX for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from Missouri courts stating they do not report info to XXXX XXXX nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

My bank account has had a consistent amount of income and fairly predictable expenditures for years now. 
Last week, I paid my rent through XXXX, ordered some XXXX gifts... all was fine. 
The next day, my cards started declining ( I have XXXX checking accounts/ debit cards and XXXX savings account with Citibank ) but I received no warning of fraudulent charges or a reason why this would be happening. 
I was also suddenly cut off from access to online banking so I could not even check my account balances. 
I called Citibank and they told me that my accounts were flagged for fraud but they didn't have a specific transaction to verify with me at the fraud department ( as is usually the case when they are skeptical of my charges ) and told me that I should wait for a letter to arrive in the mail within 10 business days that will tell me how to restore my account. 

The next day after that I received 2 emails that told me each of my accounts were closed due to violations of account guidelines. 

I immediately called Citibank to inquire about how I had violated the guidelines and what would happen to my money. 
They did not tell me at all how I had violated guidelines and simply kept telling me that my account would be closed within 60 days and IF Citibank determined that any of the money in the accounts were mine that they would mail me a check within 60 days after that. 

I asked the representative what he meant by " IF Citibank determined that any of the money in the accounts is mine '' and told him that I am the account holder, I put all the money into the account... who else 's money would it be? 
The man simply replied " Ma'am, if Citibank determines that any of the money in the account is yours, it will be returned to you by check within 60 days of account closure. '' I never received the letter that they originally mentioned would come with information to restore my account, my local bank manager isn't able to access my information, calling and talking to someone at CitiBank is hard because my card and account numbers are no longer recognized as a form of identification necessary to speak to the reps.
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

See complaint XXXX. 

Subsequent to " resolution '' ( which is an erroneous interpretation ) BoA committed to returning my payments to not include an escrow for taxes and insurance. On XX/XX/XXXX they debited my bank account the mortgage payment AND taxes and insurance. They immediately admitted their mistake and promised to refund my payment. Instead of crediting my account or wiring me funds, they sent me a check one week later. The check was over {$500.00} less than the amount they committed and old me that they would refund.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I believe this happened on XX/XX/XXXX. I was on USAA online website looking at mortgage information. They said you can get " pre-qualified '' online. I looked up this term to be sure i understood correctly. " pre-qualify '' means a soft inquiry like credit cards received in the mail usually do. So i decided to see if i pre-qualify for a mortgage. As soon as i hit submit i received alerts that my credit just received a hard inquiry. I did not authorize such an inquiry. I looked at USAA online and they now said i was " pre-approved ''. I NEVER submitted for pre-approval. I attempted to contact them, more than once, and could never seem to reach someone who could directly help. They said there was nothing they could do, my credit was already pulled. I tried explaining what happened and they still claimed they were unable to do anything to fix it.
Consumer complaint received 2022-04-21
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-12-08
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CommonBond, Inc. (CO)

I have been shopping around to refinance my Student Loans. I found an advertised rate for the company " Common Bond '' of 1.85 % on a variable rate 5 year loan. You can see this same rate if you navigate to their main company page now. I applied for this loan, but was only approved for their fixed 5 year loan at their lowest offered rate of 3.21 %. I have absolutely perfect financials, XXXX credit score and superb debt/income ratio. When I asked them what they would offer for a variable rate loan, they only replied they would do a variable rate at 3.21 %. I thought that was odd, since most variable rate loans are lower than their fixed rate counterparts. I asked them to look again, and they said, yes this is the best rate they could offer me.

It seems to me that the advertising on the offered rates is very misleading by this company. Every other company I have applied to refinance through has offered me their lowest rate for either fixed of variable rate loans. Now this company has a great deal of my personal financial information as a result of my application, plus made a hard pull on my credit, so the result of their false advertising I do not feel is harmless.

Thank you for your time in considering this harmful practice.
Consumer complaint received 2019-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2020-01-14
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Acceptance Inc. (FL)

i have been fighting with XXXX XXXX/united acceptance for years and i am not getting anywhere. These cars were paid off and yet the score is incorrect. I also years ago was part of the civil lawsuit where information was being reported incorrect. They have it on here double and this is wrong i have reached out so many times and i need this to be removed
Consumer complaint received 2020-01-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

I took a loan out with Santander in XX/XX/XXXX. I was co-signer to my mother in-law. I had the car until XX/XX/XXXX. I stopped making payments in XX/XX/XXXX. My mother in law past away due to XXXX. I spoke to them three years ago because the amount reported paid on my credit report compared to five years of payments is incorrect. On my report it shows I only paid {$3000.00}. When my payment were {$520.00} I made 58 payments on the account. I paid over {$30000.00} on a {$16000.00} car. ( XXXX XXXX XXXX ). When I spoke to them three years ago they said the repossession would be removed from my credit XX/XX/XXXX. It has not. So my issue is they reported to my credit that I paid 10 % of what I actually paid and that its been 7 years since my last payment and the file is still being reported on my credit. Also in the report it states my last payment to them was XX/XX/XXXX. Which is completely incorrect. It was XX/XX/XXXX.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rock Holdings Inc. (VA)

I did a cash out refinance with XXXX XXXX in XXXX. At the time I had a standard loan with XXXX XXXX and an equity line of credit with XXXX XXXX. Both were contracted and required to be paid off to allow XXXX XXXX to be in the first position. XXXX XXXX only paid the XXXX XXXX. After three months of not paying XXXX XXXX, I was receiving some very bad letters. I paid late fees and setup automatic payments to XXXX XXXX. I found that XXXX XXXX had used the wrong contract to issue payments. I also found that Title Source knew of the leans and changed it to only the XXXX XXXX had a lean. As I found on their own paper work. 
I have spoken to a professional title insurance representative about the problem. He stated the title insurance should cover it. 
I contacted Title Source via phone and they side that they would pay it but I would need to also pay. I agreed and said it would take time, as my cash payout was used to purchase a business and did not know they did not pay off XXXX XXXX. Some time later I contacted them again trying to get it paid and was told it was my problem now and they were not going to do anything. Found out they were able to sell my loan to XXXX XXXX  and were no longer worried because they got their money from XXXX XXXX. 
XXXX -Now with a moment to do more learning, I have found that XXXX XXXX is invested in my loan and one of the requirements for them to be invested is to have the first position on the home. After speaking to an agent at XXXX XXXX, they advised to hold Title Source accountable. As you may know, Title Source and XXXX XXXX XXXX  are sister companies. They are not going to take me seriously. I found this web site today and hopefully a resolution.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AK)

American Express is incorrectly categorizing spend at a grocery store ( XXXX ) to fuel. Before XX/XX/2019, XXXX purchases coded correctly and earned 6 % cash back when reported as XXXX XXXX. Since XX/XX/2019, purchases have coded as XXXX XXXX which earns less. XXXX XXXX is primarily a supermarket and as such should be coding and earning as such. While some locations feature an external gas station, Amex should be able to recognize this and differentiate between purchases. Neither Visa, MC, or XXXX XXXX have changed their categorization or coding of XXXX XXXX. This is an Amex issue and they should rectify it. Amex states the business selects its primary merchant code and claims it has no power to adjust purchases on an individual basis or permanently. In contrast, I have had other purchases code incorrectly in the past on a Visa where the card issuer immediately issued the correct point earning upon my request. I see this as an Amex issue, not a XXXX XXXX issue and as such they should rectify it.
Consumer complaint received 2023-02-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-09
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. (AL)

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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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 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 2019-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group (AZ)

XX/XX/XXXX I received an email from Arete financial stating my student loan consolidation was declined. I called the XXXX  billing number to update my information and made six additional calls leaving voicemails and sending emails during this time frame with no response back. I received a message not delivered email from both email addresses I tried