davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

I purchased an online course from XXXX using PayPal Credit for funding. Purchase amount {$340.00}. XXXX mislead me to believe I could start the course immediately as it is an online, not live, course. I purchased the course on XX/XX/21. After paying for the course the earliest course start date was XX/XX/21. I could not access the course I paid for so I reached out to XXXX customer support. They resolved the connection issued but that pushed my course start date to XX/XX/21. At no time was I ever advised of their refund policy. 

Once I was able to access the course I viewed several days of the course. I found it to be a terrible, wordy, poorly executed course and asked XXXX, for a refund on XX/XX/21. This request was made through their website via the " live chat '' which is actually a bot. XXXX replied to my request on XX/XX/21 denying my request for a refund stating their refund policy is valid for 15 days from date of purchase. At no time was this policy provided to me. It was not in any document I signed during the purchase. It's not on the " welcome '' e-mail. Nor is it on my receipt of purchase. 

Since I could not access the course for days from date of purchase this had already absorbed days of their 15 day policy which I also find deceitful. 

I've disputed the charges with Paypal Credit which is financed by Sychrony Bank. They obtained minimal information from XXXX, which did not prove that I was provided their refund information, and sided with XXXX. 

I provided additional information to Paypal Credit to further review and dispute the charges. Paypal continues to delay the investigation. They have stated additional documents from XXXX were provided but they have not shares these with me as an attachment to a document as they stated. No attachment was provided. 

Paypal has stated in letters to me that I would not have to make payments during the dispute process yet they continue to require payment. I've made all payments on time. 

My complaint is with both XXXX and Paypal Credit/Sychrony Bank.
Consumer complaint received 2019-12-17
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: EQUIFAX, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

Their has been unauthorized use of my credit report. I submitted a debt validation letter on XX/XX/21 in regards to this alleged debt with National Credit System. This alleged debt has never been validated and I demand it be removed from my credit report. This is unacceptable and in violation of the FDCPA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft according to the FDCPA. No one is supposed to report to my credit report without permissible purpose. I never authorized or gave permissible purpose this company National Credit System to report on my credit report which is a violation of my consumer rights.I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Im a victim of identity theft and someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate this account. I do not validate this account. Therefore, the following account must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over XXXX days with no compliance to the Fair Credit Reporting Act XXXX FCRA XXXX XXXX. XXXX ) enacted by the United States XXXX. By their findings, it is now my legal right to have these accounts and inquiries XXXX FCRA XXXX XXXX. XXXX ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2021-08-01
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. (AZ)

The Credit bureaus seem to throw my letters out or do not do anything on my file. 
My name and alias names need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OH)

XX/XX/XXXX, XXXX, & XXXX I sent emails to XXXX XXXX and XXXX XXXX requesting for my XXXX as I stated that : Amount written off : {$5400.00} Paid : {$20000.00} principal {$6000.00} interest accrued Contract Total paid XXXX {>= $1,000,000} financed Principal Paid : {$20000.00} 1 ) the vehicle needs {$14000.00} of work done. The vehicle is not worth that amount. 

XXXX ) Ally Financial has written-off the account. The amount owed is for interest and past due charges, not for the vehicle value. 

XXXX ) Spoke with XXXX on XX/XX/XXXX. He said they will not take the vehicle because it would be useless. Also stated, I expressed to them that the vehicle needs to be removed from my property because its a violation within my property management company to have abandoned, unused vehicles for an extended period which will create an expensive fine. 

I will not pay for interest that was written off and the value of the vehicle has been paid already and Ally refused to take the vehicle. 



The XXXX XXXX XXXX has been wrote off since XXXX. 

Please release the title and send a XXXX. 

At this point I will be filing bankruptcy if cant get resolved.
Consumer complaint received 2021-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (VA)

I purchased a car through Carvana and it has been an absolute nightmare and I wish I could return the car. I have provided a Limited Power of Attorney THREE TIMES. Carvana has lost the paperwork THREE TIMES. I did the first Limited Power of Attorney online through an app that they provided so that I could then get my car registration. They said it was done wrong, which was NOT MY FAULT. It was the notary THEY HIRED. Then they sent me the paperwork via XXXX and I had to have it notarized again, which caused me to have to leave work early. I got it notarized and took it to XXXX. It was received and someone signed for it. Carvana LOST THE PAPERWORK and now they expect me to get it notarized AGAIN. Meanwhile, I am unable to park in my apartment complex because I need the permanent registration to get a parking sticker. I am frustrated and want this fixed NOW. The people at Carvana are inept and they should not be in business. I want this fixed IMMEDIATELY.
Consumer complaint received 2021-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX!! This is my second XXXX time doing this XXXX. I tried to call and cant even get in touch with some one to confirm my XXXX identity. I am now a third party. That is bull XXXX. These false reporting accounts on my credit report has been an extreme distress to me and my family. I need them removed immediately.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Affirm Holdings, Inc (CA)

I been reported to a credit report company, XXXX  for no reson. 
I never offer to do business with Affirm, represented by XXXX XXXX XXXX 
I never purchase anything but I was asked to do monthly payments which of course I refuse to do. Because that, after 4 months of traying every state in the country, every P.O.Box and not getting the money they wanted they repirted me to credit bureau, XXXX. 

I am srbding this complaint to bureau of XXXX as I need someone to check this scam for me.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IN)

I received notification that my credit balance on my mortgage increased from XXXX XXXX and XXXX. That is not possible because I have consistently paid my mortgage on time. I called Wells Fargo and still have not received resolution. This has brought down my credit score significantly.
Consumer complaint received 2021-07-31
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. (TX)

My consumer rights have been violated by Experian, XXXX, and XXXX  for Account # XXXX. In accordance with the requirements of the FCRA ; U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Account # XXXX was added to my report in XXXX and was removed in XX/XX/XXXX. This collection account was reinserted on all three credit reports on XX/XX/XXXX. I received no such notification of the account being inserted back onto my reports. This is a violation of the FCRA. 

The pictures show the account was reported on my credit reports on XX/XX/XXXX. The account was subsequently removed in XX/XX/XXXX. And The last photo showing the account was reported back on my credit file on XX/XX/XXXX with a new and different balance.
Consumer complaint received 2024-03-19
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. (GA)

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-01-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Last Verified : XX/XX/2021 Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence I reported this as not my account and ask them to send me verification and they did not provide the information.
Consumer complaint received 2021-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My consumer rights have been violated by XXXX, Transunion, and XXXX  for Account # XXXX. In accordance with the requirements of the FCRA ; U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Account # XXXX was added to my report in XXXX and was removed in XX/XX/XXXX. This collection account was reinserted on all three credit reports on XX/XX/XXXX. I received no such notification of the account being inserted back onto my reports. This is a violation of the FCRA. 

The pictures show the account was reported on my credit reports on XX/XX/XXXX. The account was subsequently removed in XX/XX/XXXX. And The last photo showing the account was reported back on my credit file on XX/XX/XXXX with a new and different balance.
Consumer complaint received 2022-01-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX  XXXX Account # XXXX This is not my account they never sent me and verification Last Verified : XX/XX/2021 Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Consumer complaint received 2021-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

On XX/XX/2021 and XX/XX/2021, I sent a certified letters to the American Adjustment Bureau. I have not received anything from them bearing my signature only an itemized list ( enclosed ) from XXXX XXXX XXXX XXXX. Enclosed is my credit report and they have still been reporting this inaccurate item as of XX/XX/2021.
Consumer complaint received 2022-01-02
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. (TX)

On XXXX, I filed a FTC report due to fraudulent accounts on my credit report. There were different social security number and some addresses that didn't belong to me reporting on my profile as well. I filed a dispute with XXXX, Equifax and XXXX along with FTC report, some accounts were removed but not all. I also noticed several Inquiries were not removed from report. 

I am asking for all accounts to be removed, due to these accounts are not associated with me and is keeping me from applying for credit. 

XXXX XXXX XXXX XXXX  XXXX letter is attached to prove this company Deleted account but its still reporting on my profile. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Direct Cash LLC (TX)

I did not see my complaint listed so I just selected one. I qualified for a loan with direct cash in every way, checking balance, length of employment, verified bank and multiple direct deposits from employer, etc but at the end was denied only because of what I do for a living. They need to publish in bold letters on their website they don't lend to people who work n my field. I stopped looking for the funds i needed because I was told I was approved. XXXX  I am going t be homeless
Consumer complaint received 2021-08-01
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2022-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX, I filed a FTC report due to fraudulent accounts on my credit report. There were different social security number and some addresses that didn't belong to me reporting on my profile as well. I filed a dispute with TransUnion, XXXX and XXXX along with FTC report, some accounts were removed but not all. I also noticed several Inquiries were not removed from report. 

I am asking for all accounts to be removed, due to these accounts are not associated with me and is keeping me from applying for credit. 

XXXX XXXX  XXXX XXXX XXXXXXXX letter is attached to prove this company Deleted account but its still reporting on my profile. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (CA)

Academy Mortgage was my former mortgager. I refinance my loan and it was paid in full on the XX/XX/2021. My new lender does not require an escrow account and I've been waiting for a check from Academy Mortgage in the amount of {$5000.00}. 

I researched and learned that the lender is required to return these funds within 30 days of loan closing. To date, I've received nothing from Academy Mortgage and it has been 38 days since my loan was paid off. Every time I call, I get the same XXXX, " Your check is in the mail. ''
Consumer complaint received 2021-08-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom it XXXX concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all Navient accounts be remove and deleted from " Transunion '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the XXXX had the creditor Navient account deleted from my Equifax profile, but the same account is still being report erroneously on Transunion. THIS AGIAN VIALOTES THE " FCRA ''!!!