davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (WI)

Credit Karma claimed they would pay me if I did not get approved for a credit card that they said I had a high approval rate for. Unfortunately I did not get the credit card or the money from Credit Karma once I was denied the credit card. I got an alert to my phone from XXXX saying it was a settlement for {$3.00} XXXX XX/XX/2023 for other people who experienced the same thing I did. So I clicked the link and it led me to the FTC.
Consumer complaint received 2021-11-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: International Computer Systems, Inc. (CA)

callback number XXXX called from XXXX got a message from " XXXX '' from unidentified business speaking of a " financial matter. '' didn't say anything about the business she was calling ( mine ) or the business she was representing. this scam dates as far back as 2017, clearly nobody has any intention of putting a stop to it. 
https : XXXX? XXXX
Consumer complaint received 2017-08-24
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)

Beginning in XX/XX/XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, XXXX and Experian.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX.
Creditor : XXXX XXXX  Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX and XXXX XXXX XXXX XXXX Experian has deleted XXXX XXXX XXXX  XXXX has deleted no inaccuracies
Consumer complaint received 2019-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

To Whom It May Concern, This letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Also known as XXXX XXXX XXXX, XXXX   XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address 3 : XXXX XXXX XXXX XXXX, LA XXXX Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2020-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

The lender Bank of America placed insurance of my property and I was never fully explained how it worked. My old policy was somewhere around {$990.00} and Bank of America said that lender placed insurance would be slightly higher than what I could purchase myself but their policy was lower than what I was paying. I thought why shop around since lender placed is lower than what I was paying, I never was explained that lender placed insurance would only cover the structure of the house because that was all Bank of America had interest in. On XX/XX/2020 my truck was stolen while parked on the property of my residence with many of my belongings including many of my childrens XXXX presents. My truck was recovered with none of my belongings in it. Ive tried to file a claim with XXXX insurance company to no avail both for the contents of the truck and the truck as a structure. Which to my unsterdanding a vehicle is an extension of a persons home unless it is occupied. Therefore if insurance doesnt want to cover the contents of the truck they should honor the policy saying the policy covers structure on the property and the policy covers malicious activity and vandalism with {$1000.00} deductible. My truck received just above {$8000.00} damage from when it was stolen. I would be happy to take to a body shop to get an estimate for damages.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

Om XX/XX/20 I bought a washer and dryer off XXXX. Contacted the store VIA messages and asked condition -- they stated good and working also comes with a two month warranty. when they arrived they were broken and the company has refused to come get them and return my funds or fix them. Ifield a dispute with my bank and was told I lost the claim, I summitted screenshots and calls ... they company scammed us. Lied to us and my bank did nothing to help .... I sent all proof within 1 day of the dispute. PLS HELP ME CFPB
Consumer complaint received 2020-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

This is a recurring issue where Paypal freezes the funds of a seller on XXXX  months after a sale and shipment. They claim the buyer has opened an unauthorized transaction complaint. Such a complaint is solely between the buyer and Paypal around the security of the Paypal account. It does not involve the seller as the seller ships an item when Paypal instructs them to. Paypal should not involve the seller when a completed shipment is evident. The seller should not lose money or have it frozen. 

Paypal engages in aiding and abetting its customers in perpetrating fraudulent transactions against sellers of goods on XXXX  and illegally seizing funds from sellers. 

I sold an item to XXXX XXXX of XXXX FL on XXXX  in late XXXX. They made their payment to me via Paypal. On XX/XX/XXXX, Paypal sent me an email saying the buyer claims the item purchase was not authorized by them. Paypal wanted me to provide them tracking information of the item, even though they have always possessed this information since the time of shipment, and i can see it on their site. Additionally the buyer should have made such a claim through ebay if their claim is legitimate, which is what paypal 's own process says to do for ebay purchases. But Paypal allows its customers to not follow the documented process. And they ask the seller for data they already possess and display. If the seller fails to respond, they lose the money automatically, even if they believe the issue is already addressed by the fact paypal already has the data. 

Paypal has seized my funds even though the item is shown as being delivered, and Paypal and ebay both originally advised me of the sale and where and to whom I was to ship to, which means it was authorized. Paypal already has all the info they request from me and can remove me from the matter, though I never should have been a party in the " dispute ''. However, they have a process in place where i would lose the money if I had failed to " respond ''. Government needs to stop this process which has many sellers have money stolen from them by paypal in conjunction with buyers committing fraud. 

I have a lot more to add to this complaint, but the form to submit only allows so many characters. Please reach out to me for more information, as this is absolutely a process that Paypal uses to assist buyers in defrauding sellers, and has refused to change their process. I have had this happen before with paypal. 

Paypal Case ID XXXX Original transaction ID XXXX
Consumer complaint received 2021-06-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent XXXX  that the last date active arent accurate with my credit report and That I need the Original contract Pay off disclosure Interest rate disclosure Balance history Payment history From this accounts XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (SC)

I got a letter in XXXX  stating that Santander Consumer USA reported to the IRS that I owed them a balance of {$15000.00} for a vehicle that i have the title for since XXXX. When I received the letter, my first thought was someone was trying to hack me, so I didn't respond. Here come tax year XXXX and my taxes are being taken for something that I already owned and have a title too. Santander have been trying to rip folks off for years, I have ready so many stories about cases they have going on for this same thing. They need to be dealt with, so that it wont happen to us citizens that's trying to make a living with the little that we have.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a dispute to Experian regarding an unauthorized XXXX  XXXX XXXX account # XXXX. Experian has thirty 30 days to respond or delete the item. They have not done so.
Consumer complaint received 2020-12-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. XXXX has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting XXXX to remove the past due derogatory flag from my credit report from all three agencies immediately.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION ()

I began my application process for a new mortgage with Amerisave but was really disappointed with the service I received. My contact there was unprofessional, frequently mixing up my information with another customers, calling me from his cell phone without telling me his NMLS ID, and just generally being sloppy. I discussed with Amerisave that I wanted to move my application elsewhere, and they agreed to refund me my {$500.00} application deposit. I have spent the past 6 weeks trying to get that refund and my emails have been consistently ignored. I have tried escalating this over the phone and they keep promising that they will refund me, but never do.
Consumer complaint received 2023-03-08
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. (OK)

in accordance with the fair credit reporting act XXXX XXXX Account XXXX 15U.S.C 1681 section 602A. 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 1666b A creditor may not treat a payment on my credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have transferred an amount of {$3000.00} to a phone number which is my friend 's phone number and he is no longer using it. It is his old phone number and in error funds were transferred to an older phone number. This transaction is done using XXXX XXXX Bank Of America app. I immediately reported the issue to the bank. But the phone number is already taken by some other person and that person is also using XXXX. So the funds were immediately transferred. I have filed a claim with the bank but they have not done anything. They wanted me to settle this outside the bank. I have spoken to the other party to whom I have transferred funds as I have the phone number and they are willing to transfer the funds to the bank and not to me as they are seeing many frauds happening these days.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one was contacted serval times via mail and by email to the CEO. This credit card company is in violation of the law. Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL subject to subsection. ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 18B1 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly.

( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s-3 of this tile, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They have failed to respond or continue the process of deletion. Proof of letter has been attached. This was also reported to the better business bureau.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (MO)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (CT)

I've had fortiva for 3 years been an excellent customer always made on time payments. Numerous calls to their outsourced customer service agents that reads from a script barely understand English which I end up having to discontinue call. Fortiva continues to charge me very high monthly account maintenance. Monthly interest rates on top of XXXX charge every year. Ive never had a credit increase and these charges continueto rise. I received email from fortiva which states these high monthly charges reduces after 1 year and my account will be reviewed that never happened. Horrible experience no customer service assistant to redeem issues
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

In XXXX of XXXX I fell and XXXX XXXX. I was a XXXX contract employee and could not get XXXX. I had a hard time working and even needed XXXX. I unfortunately fell on hard fiscal times and missed several payments on multiple credit cards. 
I spoke with Discover in XX/XX/XXXX. I had missed several payments and was over my {$5000.00} limit. 
I was given 2 options as to what I could do about my missed payments. Option 1 was close my account and enter in to a low interest payment program for the term of the repayment. The 2nd option was I go in to a repayment program and after 12 months, I was told I would get my card back. I even asked if I make all my payments for 12 months would I get my card back and was told I would. 
In XX/XX/XXXX after making every single payment on time I wasn't given my card back. I called Discover and was told that they would have to do a review to get my card back. I wasnt told this in XXXX of XXXX. I was also taken out of the repayment program and my interest fees were doubled as was my minimum monthly payment. ( From {$75.00} to {$150.00} ). Even with this hardship of double the amount of my payments I still made my payments every month. This added {$75.00} additional payment lead to many hardships for me. There were months were I couldnt even buy food. I still held up my end of the deal and made every payment. 


In XXXX of XXXX I began to try to repay all of my debt. By XXXX of XXXX I paid down most of my debt, including Discover. 
On XX/XX/XXXX I received an email that my discover card was being closed. Even though I did all they had asked of me. If I wasn't lied to in XXXX I would have taken the option to close my card then and taken the other program with lower interest for the entire program. 
Discover 's dishonest tactics ended up causing significant hardships as well as over {$1000.00} in additional fees.
Consumer complaint received 2020-12-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. PennyMac has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting PennyMac to remove the past due derogatory flag from my credit report from all three agencies immediately.
Consumer complaint received 2020-12-28
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. (NC)

I have contacted All three credit bureaus regarding miss information on my credit report someone has tampered into my credit report and change my information including my name my last name date of birth address is in Social Security numbers. Having a copy of my credit report from four years ago and none of this information was on my credit report this is been recently done and I believe I know who is involved. I have put a freeze on my credit report and it seems to be unlocked several times and I have locked it again. Someone is repeatedly putting several addresses changing the names the numbers on my credit report and Ive asked a credit with bureau by certified mail to change my information to the correct information including my name date of birth social security number and phone numbers including my address. This is fraud and unacceptable
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (MD)

ACCORDING TO THE FCRA I DON'T RECOGNIZE THIS ITEM THERE FORE, THEY NEED TO BE REMOVED/DELETED FROM MY CREDIT REPORT DELETE THESE INQUIRY XXXX XXXX XXXX ( REMOVE/DELETE FROM CREDIT REPORT ) THESE HARD INQUIRIES I DID NOT AUTHORIZE THESE HARD INQURIES, THIS IS DUE TO FRAUD AND IDENTITY THEFT! ACCORDING TO THE FCRA I HAVE RIGHTS PLEASE REMOVE THESE OFF MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2021-03-15
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-05-24
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. (SC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX Balance {$15000.00}