davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MI)

Yes I received an email from paypal stating that they took {$1900.00} out of my account for an XXXX XXXX that I never ordered or authorized! I tried contacting PayPal numerous times & they are ignoring me! They owe me {$2000.00} immediately!
Consumer complaint received 2022-05-22
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: Bridgecrest Acceptance Corporation (NY)

In accordance with the fair credit Reporting act XXXX AccouRt # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canne furnish a account without my written instructions.

9384 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit As late for and purpose
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

My credit reports are showing inaccurate info regarding a bankruptcy. This bankruptcy should not be on my credit report. I sent letters to all 3 major credit bureaus including XXXX, Experian and XXXX and my letters we're either ignored or the results came back as verified but this can not be accurate. The response from Experian and XXXX was received XXXX2022.
Consumer complaint received 2022-05-22
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. (PA)

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C, 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2018-04-21
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: Manhattan Beach Venture, LLC (TN)

I was told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few days
Consumer complaint received 2023-08-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IL)

I made an inquiry to refinance my home. My goal was to pay off debt and get cash out. I was on the fence and unsure I wanted the higher mortgage payment and higher rate. I was contacted by XXXX XXXX XXXX ID # XXXX by text. He was very aggressive in trying to get me to go through the loan process. On XX/XX/XXXX he texted me that my file was approved ( I had not done an appraisal at this point ). He stated on XX/XX/XXXX, " This will get you almost XXXX in cash out when you close. You would be able to pay your parents back XXXX, payoff your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and your other smaller credit cards. Between your current mortgage and the above liabilities you're paying XXXX a month. This refi will cut you down and you would still have about XXXX in cash for home improvement or build up your savings account. '' I told him my house would appraise for about XXXX. He put on the loan documents that the value is XXXX. He NEVER stated that my house had to appraise at a certain amount to be able to get the loan and the items he promised. Because of his promises, even though I was still nervous and on the fence, I paid the {$520.00} and moved forward with the loan. I uploaded all of my documents in a timely manner and then the house was appraised. It came in at XXXX, which in my opinion is lower than what it should have been. I voiced this to him and he stated " It was still a win. '' He did not tell me that the loan was being approved at a lower amount and not meeting the goals HE PROMISED. I feel lied to. I had to ask him 3 times to cancel my loan and it was only cancelled after I spoke with a manager. I refinanced with Amerisave in the past and didn't have any issues. I am really disappointed you allow someone to be a loan officer that manipulates clients without being upfront. I am asking that my {$520.00} appraisal fee be returned because I never would have gone through with the loan if I knew it was all based on the home value.
Consumer complaint received 2022-05-22
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. (WA)

In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX ; has violated my rights. 

15 U.S.C 1681 section 602 ( a ) States I Have A Right To Privacy.

15 U.S.C 1681 section 604 ( a ) Also states A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AZ)

Dear Sir/Madam : RE : Grievance with Mohela-Official Servicer of Federal Student Aid I need your help resolving a potential fraud issue. Since XX/XX/2023, I have been dealing with Mohelas staff via multiple telephone calls waiting on average 3 hours per call trying to resolve Mohelas system issue and as of today, my issue is unresolved. 

Therefore, for 5 ( five ) months, I have dealt with representatives in training, told that a manager will contact me, and now after speaking with a manager I am waiting for the Accounting Team to review my issue and justify their system discrepancy. 

I still dont have a justification or resolution. I am concerned that Mohela is deliberately delaying the resolution of this issue with the intent to earn more in interest and fees than what was provided in the original payback obligations. Please review the attached word document for the details
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

My credit reports are showing inaccurate info regarding a bankruptcy. This bankruptcy should not be on my credit report. I sent letters to all XXXX major credit bureaus including Equifax, XXXX and XXXX and my letters we're either ignored or the results came back as verified but this can not be accurate. The response from XXXX and Equifax was received XX/XX//2022.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My capital one case number is XXXX I applied for capital one 's credit card in early XXXX. I activated the card after I received it. But I haven't started using my card yet it's restricted. capital one asks me for an ID. SSN and proof of residency. They have now closed my account after I uploaded them all. I haven't opened the card for a month and they also ask me to pay an annual fee of {$390.00}.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (RI)

According to US Bank, they received a credit card application in my name on XX/XX/2022. The address on the application was : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I communicated via telephone with US Bank today XXXX XXXX XX/XX/2022 at XXXX XXXX XXXX XXXX to inform them that the application for the credit card is in fact fraudulent. They noted the transaction as such.
Consumer complaint received 2022-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (TX)

Dispute with Ally bank XX/XX/XXXX : I got emails saying that my debit card was added to a digital wallet. I immediately opened the bank app and I saw 4 withdrawals of {$500.00} each made from XXXX XXXX. At the time I was in XXXX XXXX, XXXX. The transactions were marked Pending I immediately called the bank. Told them that these XXXX transactions were not made by me. They said that they will cancel the transactions, deactivate my debit card and send me a new card. 

The pending transactions disappeared from my account. 

XX/XX/XXXX : I came back to XXXX, saw that I received the new card and did not activate it. 

I opened the Ally bank app and saw that the XXXX transactions that were canceled on XX/XX/XXXX came back on XX/XX/XXXX and this time they were not pending. The money was withdrawn from my account I called the bank again. They said I can file a dispute. I filed a dispute. 

A few weeks later they put credit in my account of 4 times {$500.00}. The value of the missing money XX/XX/XXXX : I was checking the Ally bank App and I saw that the money was taken out again. XXXX transactions of {$500.00} each I called again. They told me that the dispute team came back and decided that the transactions were legitimate because they presented the physical card. 

This is impossible because at the time of the transaction I was out of the country with my card in my possession. I made an ATM withdrawal using the card in XXXX XXXX a few days earlier ( XX/XX/XXXX ). I was in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

I have screenshots of all the material. My airplane ticket, my passport stamps. Screenshots of the transaction i made in XXXX which show that i had the card on me. I have not been to XXXX XXXX in years. 

I tried to cancel these fraudulent transactions immediately as they happened but Ally made mistakes. They allowed them to execute 2 weeks later on a deactivated card. And their investigation came to the wrong results. No one could have presented my physical card in XXXX XXXX since i had it on me thousands of miles away
Consumer complaint received 2022-05-22
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. (CA)

I recently sent two dispute letters to XXXX in reference to inaccurate information. In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 ( A ) states : I have a right to privacy 15 U.S.C 1681 section 607 ( A ) ( B ) Every consumer reporting agency shall maintain reasonable accuracy of report 15 U.S.C 1681 section 611 ( 5 ) ( A ) ; Treatment of inaccurate or unverifiable information
Consumer complaint received 2016-02-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NJ)

To Whom it may concern : Re : Sears Visa Card, keeps calling my home phone number to collect a debt against " XXXX XXXX '' or my wife XXXX. Collection Phone number is XXXX. No caller ID indicating it is a call from XXXX is provided from the callers number, but I have verified that the phone numbers is a Sears Visa Collection Number. 

I have called them several times to tell them we are on the DNC lists, do not have a Visa Card with Sears and to stop calling this number. Every day since XX/XX/2016, there is at least one phone call and a computer animated message left on our answering machine. Other times it is a call and a hang up, no message left, which is disrupting and harassing in nature as I have asked them to cease and desist. 

This is an ongoing attempt to collect a debt, that is not my our own. I have asked them to remove our phone number from their automated system and it still continues as of typing this on XXXX/XXXX/16. Please help as this continues and needs to stop. 

XXXX, XXXX
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (WA)

My wife received a phone call from the number I have linked to Midland Credit XXXX. They asked if they had reached me. My wife said no. 

He continued by stating that " this phone call is being recorded and was an attempt to collect a debt for XXXX XXXX. '' I know this is regarding my credit card debt with the store 's credit card, but it 's my business and legally not anyone else 's. 

According to the Consumer Financial Protection Bureau and the Federal Trade Commission, this is a clear violation of my rights and I want their case dropped because they should not share any of my personal information with other people.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

First and foremost let me say that this is not a complaint or an attempt to bash transunion they have been very helpful and supportive to me in the process of resolving this issue Ive had with my credit Im sending this letter however because theres an account from XXXX XXXX  that remains on my credit report that does not belong to me I assumed that it was perhaps an oversight by the review team. There is an account for XXXX XXXX XXXX showing as well I am therefore requesting the move of this account this account does not belong to me this account has already been removed from XXXX profile records so Im puzzled as to why is the reporting on Transunion if you can help me I would really appreciate it thanks
Consumer complaint received 2022-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

I filed suit due to an accident my daughter had when she was young. I won the case and the insurance company issued a check in the amount of {$7200.00}. The check was deposited at Chase Bank on XX/XX/2009. We contacted the bank so we can withdraw the money and they advised the account could not be located. The bank is JP Morgan chase located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The account that was opened was a XXXX XXXXXXXX XXXX XXXX XXXX  Since then I have paid my daughter with interest as she needed to pay for school and rent. I would like access to this account immediately as I am trying to purchase a home. Thank you
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Debt Mediation, Inc. (TX)

I HAVE CONTACTED PDM AND REQUESTED A FULL DISCOVERY AND COPIES OF A CONTRACT THAT THEY CLIAM I HAVE SIGNED. MY SON HAD RENTED A PROPERTY AND HE GOT A FINAL ACCOUNT STATEMENT EMAILED TO MY HUSBAND OF {$830.00} WHICH HE DISPUTED AND THAN THEY REPORTED TO THE CREDIT REPORTING AGENCIES A BALANCE OF {$2400.00} THEY CLAIM THAT BECAUSE A 60 DAYS NOTICE WAS NOT GIVEN. IN THE STATE OF TEXAS THEY CAN'T DOUBLE DIP AND CHARGE FOR RENT AFTER HIS CONTRACT WAS OVER. I HAVE REQUESTED FOR THEM TO PROVIDE ME WHEN THE UNIT WAS RENTED SO THAT I CAN SEE THE DAYS THAT WERE NOT RENTED.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Im concerned about my credit report with equivalent.Ive tried multiple times to pull my score and was finally informed I have nothing that really scared me I have several trace lines and an exceptional payment history which I would love to show on my profile. Im therefore requesting that equifax there records so that their systems will show a credit score to potential lenders thanks Ive attached photos that show accounts that should show % I also am a authorized account XXXX for XXXX XXXX account # XXXX XXXX  said to notify equifax as well
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc. (AZ)

Moneylion was to good to be true and I seen this ad on XXXX advertisement and fell victim to this misleading company and when I signed up and then quickly realized after the fact I didnt want to use this after the fact I read small fine print I tried to cancel this whole pyramid scheme. There are plenty more customers out there that fell victim and customer service is non existent and when you do get ahold of someone they tell you well you signed an agreement. Well its supposed to help your credit but they never lend you any money that you dont pay into it. So I tried. To cancel this companys preying on vulnerability people through Covid times on top of me already had filed bankruptcy and now they say I owe over a XXXX bucks and its now in collections when they never gave me a dollar at all. They just kept my money I paid monthly into this pot and after 12 months I get my own money I paid into every month. But they say since I didnt finish my term of me paying every month into this money pool thAt now I even owe more money. What about the two months I already paid into it for? Do they just keep it and still charge me cause I never finished the term? They never gave me a dime so how could this be a negative account on my credit! Can someone explain how this company operates legally?
Consumer complaint received 2022-05-22
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)

XXXX, XXXX and Experian has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-22
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 these accounts have violated my Rights. 

XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U. S. C. 1681 section 602A -- -- states I have a right to privacy. 
15 U.S.C. 1681 section 604A section 2 -- -- States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-22
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)

Experian has refused to remove an erroneous entry on my credit report. The debt is under legal dispute and between my attorneys and me 8 letters have been sent to Experian dating back several months. We began by sending this to all three bureaus and Experian is the one bureau that simply refuses to remove the entry. We have cited which violation the creditor is guilty of violating and they still refuse to remove it. As a matter of fact, within the receipt of the letters, they sent me a letter confirming that they refuse to even investigate the matter further. The letter stated that they refuse to investigate a dispute they already investigated. In one of my many letters, I even asked for them to provide exact details for how they confirmed the entry considering the other two bureaus never gave me this type of trouble. At this point, it appears they are more interested in hurting my credit than making sure they are reporting it accurately.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax, XXXX and XXXX has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updated reports, there are incorrect items were found in my which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.