davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I made a purchase on XX/XX/XXXX for {$69.00} through a vendor ( XXXX XXXX ) that promised ( and still promises ) expedited 3-7 day delivery for customers in the United States and XXXX. I paid for the product through PayPal. After a few days without a product update, I contacted the vendor for a product update, but the email they had provided bounced back. I followed up with PayPal, who opened up a dispute, followed up with the vendor themselves, and promised to automatically resolve the dispute in my favor if I did not receive the product by XX/XX/XXXX. On XX/XX/XXXX, I followed up with PayPal to notify them that I had not received the product and to ensure they resolved the dispute in my favor. Instead, they told me they could not refund the amount I paid because their policy is to wait 20 days after any movement of the product. Between my initial outreach and XX/XX/XXXX, shipping information was made available for the product ( on XX/XX/XXXX ) and so PayPal now said that I had to wait 20 days from XXXX XXXX before I could get a refund. They asked for me to wait an additional 7-8 days ( after XXXX XXXX ), which I did. As of yet, I have not received the product. The 3-7 day expedited shipping is clearly not being provided. PayPal continues to tell me they can not return my funds, despite the fact that the vendor has not provided the product in the promised timeframe, and PayPal has not resolved the dispute in their promised timeframe.
Consumer complaint received 2020-12-23
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. (NY)

My child support payments were all paid and should have reflected paid in full with Experian but Experian failed to do an investigation, they did not update the status.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have been with XXXX XXXX via " XXXX XXXX '' which is a line of medically related credit. I always made my payments on time, online, using my same bank. When it came down to the last payment owed, XXXX XXXX  said that my payment was declined. I never wait until the due date to make payments, so I went and made sure the money was in fact there and that the account were accurate, and resubmitted the payment. Some days later I got another email saying the payment was declined. I looked online and XXXX XXXX showed no balance, so I assumed the email was an old communication. But then I got ANOTHER email saying that my account was now flagged as delinquent. So again I went online to see what I could see about WHY the payment wasn't being processed. I submitted the payment AGAIN, but this time I also opted to speak directly to an agent immediately following my online submission. He suggested that the previous payments didn't go through due to insufficient funds, which was never the case. He also implied my own human error in entering the account information, which also wasn't the case as I had saved the account information on throt system for fast easy payments. He said he could see the payment attempts. I asked if there could have been an error on their side of the automated process, and if we could please go ahead with a manual payment to insure it would not be rejected again. I also asked what could be done about the credit reporting, as I have never made a late payment to them or to ANY account. He said that I would have to take it up with a credit reporting agency. Then XXXX XXXX  closed my account, citing dishonored payments as the reason! This is unfair credit reporting, as it wasn't my fault their system stopped accepting payments randomly at the last payment due! Please note that the account has been settled in full.
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX C/O MITCHELL D. BLUM & ASSOC. LLC I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXXXXXXfailed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-12-23
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found numerous inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA and Regulation V states that inaccurate or incomplete information must be investigated and fixed if found by the consumer. I have requested for validation of said accounts, yet have not received any evidence or seen any changes to rectify these errors. Under the FCRA, consumers have the right to request validation of debts and have inaccuracies promptly corrected. Hence my complaint here to address these violations and request a thorough investigation into the matter. Having such derogatory items on my credit report has been nothing but a burden for me, impacting my financial well-being and opportunities.
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (WA)

Vehicle payment is due on the XXXX of each month. Currently only 8 days late as of today XX/XX/2020. Santander Consumer USA keeps leaving messages and threatening to repo vehicle. They called 8 times in one day! Spoke with them today and they tried to bring up personal financial information like SSI/XXXX payments. We told them we are making a payment by tomorrow XX/XX/2020. This is the first time we have been late and we just bought the vehicle summer of this year. This is harassment and predatory lending!
Consumer complaint received 2020-12-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I thought I was in a program to stop payments during pandemic. Start later when Im not unemployed due to Covid. Im at high rush due to XXXX and XXXX XXXX for two parents with XXXX and a XXXX. I thought payments would go in the back of my loan not in a foreclosure process.
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

The account in question in discussion is Toyota Motor Account # XXXX the issue at hand is a late in XX/XX/2020, I was unable to make a payment due to Covid-19. When I was able to I did make the payment immediately.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My specific complaint is that Capital One Credit Cards apparently changed to a " floating : '' billing cycle and this make it impossible to know the exact end of the billing cycle each month. Used to be the XXXX, now it apparently floats and they indicate nowhere on the statement of the app what the closing date for the next month is. I've worked very hard to maintain XXXX balances and this changes has caused me to have a balance for this month. The lack of transparency on when the billing cycle closes is very problematic for the consumer. I called them and they basically told me to go kick rocks.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (NV)

On XXXX/XXXX my vehicle was repossessed by Bridgecrest as well as a company named XXXX XXXX which was contracted by a company named XXXX XXXX XXXX  based in Michigan. My vehicle was repossessed while in front of my apartment. The repossession was a wrongful repossession as well as a breach of the peace occurred by the agent brandishing weapons to me and my XXXX XXXX XXXX XXXX  who was in the vehicle. The vehicle was returned to me today, with no balance due as the loan servicer admitted the vehicle was taken illegally and unjustly. I am looking for them to pay for my lost wages as I lost out on working as I use my vehicle for work as well as my rental and taxi expenses. I also was forced to go through the humility in front of my neighbors as well as having the finance company lie to me about payment status. The towing company also damaged my vehicle from my front bumper to my suspension to my transmission and tires from dragging an awd vehicle and not towing it correctly. They also stole my medication from the vehicle which is a controlled substance.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Equifax refuses to investigate credit inquires I have disputed this with the cfpb multiple times and no change from Equifax Equifax continues to state that I must contact the creditor if I disagree with the inquiry but Equifax continues to display inaccurate info at the expense of my credit score and credit reputation
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

It started on XX/XX/2020 I arrived on vacation with my family at XXXX used my debit cards fine, but by XXXX than evening I had a " {$880000.00} '' hold on my account. I call that evening, no one know nothing. 
Woke up the next morning a Friday, called all day no one still knew nothing. I was forwarded to a recording that says the account was hold for my protection and was not in danger of closing. 
Called all day Saturday, was forwarded again to all departments no one knew nothing again.. But meanwhile my family and i can't eat or drink because I have no money .... 
Called Monday nothing again, Called Tuesday nothing but ... XXXX Now my online access is gone and my account is closing because of fraud! No phone call, no email, Nothing! I am without money, food and my family will not be having a XXXX XXXX. 
Bank Of America needs to stop as they are playing with people lives.
Consumer complaint received 2023-07-09
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: Westlake Services, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : NOWCOM/WESTLAKE FINANC XX/XX/2021 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b.

I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary. 

According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft. 

I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}. 

Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XXXX, XXXX, I looked at my credit report, On XXXX XXXX I XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX sent a letter to EXPERIAN asking them to reinvestigate this Accounts : XXXX. ) XXXX XXXX XXXX XXXX  Acct # XXXX XXXX. ) XXXX Acct XXXX : XXXX On XXXX XXXX ( EXPERIAN sent me back their investigation and said these accounts are complete and accurate. ) AS OF TODAY, XXXX XXXX, I looked at my report and notice these accounts are still the same!!! 

And according to 15 USC 1681i 5, they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) IN GENERAL If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL... 
( I ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPIATE, BASED OF THE RESULTS OF THE INVESTIGATION ; AND ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFO HAS BEEN DELETED OR MODIFIED FROM THE FILE OF THE CONSUMER. 

AND ACCORDING TO 15 USC 1681eb THEY ARE SUPPOSE TO ENSURE THIS ( b ) ACCURACY OF REPORT. 
WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL.. FOLLOW REASONABLE PROCEDURE TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

AND ACCORDING TO 15 USC 1681 s-2 THIS OS SUPPOSE TO HAPPEN ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. 

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. 

( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS. 
A PERSON SHALL NOT FURNISH INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF- ( i ) THE PERSON HAS BEEN NOTIFIED BY THE CONSUMER, AT THE ADRESS SPECIFIED BY THE PERSON FOR SUCH NOTICES, THAT SPECIFIC INFORMATION IS INACCURATE ; AND ( ii ) THE INFORMATION IS, IN FACT, INACCURATE. 

EXPERIAN really DID NOT reinvestigate. THEY LIED ON AN OFFICIAL DOCUMENT SAYING THEY DID SOMETHING THEY DID NOT ACTUAL DO AND I HAVE ENOUGH EVIDENCE TO PROVE MY CASE.
Consumer complaint received 2020-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ascend Consumer Finance, Inc. (CA)

Ascend Financial does not have a valid contact information on their website. I have written letters and called every phone number that is associated with this company. Email is invalid and I can't seem to either get the loan paid off or removed from my report. At one time I thought I paid it off with a collection agency but don't have any information on them as I have done research to find they don't exist. This loan was for the amount of {$6000.00} opened on XX/XX/XXXX and last known payment on XX/XX/XXXX. A balance of {$4700.00} is still outstanding. I made payments of {$260.00} to an agency that I thought was applying those payments to this loan as I was told the loan was paid in full. I still find this account on my report and outstanding balance. This is their information listed on their website : ASCEND CONSUMER FINANCE, XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone # : XXXX XXXX XXXX
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I reviewed my Chex system report which resulted in finding out that the unauthorized accounts were opened in my name. All Accounts shown for XXXX XXXX XXXX XXXX are not related to my doings. I have requested to have this removed immediately and still no action has been taken. An also the account that's shown for XXXX XXXX has been paid off since 2018. I advised Chex systems about the outdated information that's reporting and they have yet to remove or resolve this matter.
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Soja Management Services, LLC (FL)

I was recently contacted by the company claiming that I owed {$24000.00}, However, I feel that I have been defrauded. The amount I was told originally was {$290.00} and after I had the car, the amount changed and I told them that I was not happy with the amount. They would not tell me my APR. They kept asking me to sign documents and I was not comfortable. I did not receive any documents in the mail or by email regarding any bill. I have contacted them twice requesting documenation, and have not received a response. 

They since have taken the car as a repossession a few days after they claim it was due without my knowledge. I received a bill of {$24000.00} that I do not feel responsible because I have been trying to give it back since I did not sign anything because I was not provided or disclosed an APR and I was promised one amount and told another after I had possession of the vehicle. I was lied to about how much I would pay. I was also given a damaged car and was promised that it would be fixed I am XXXX and have a learners permit. multiple times and I was called in to sign multiple documents. I was not contacted regarding payment of the vehicle.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

Citi sent me a letter and fraudulently closed my credit card account that I have had since 2018 stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very XXXX  that the card was shutdown.