davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (TX)

Paypal intends to collect amounts not owed and sent the account to a collection agency. 
The Consumer has been spending in legal fees to prepare for civil and criminal investigation as applicable, since it is so clear. This comes from certain purchase at XXXX XXXX which was cancelled, and refunded. 

Paypal seems not to know how to read English, and seems that doesn't know that {$2400.00} - {$2400.00} = XXXX and not {$2400.00} Paypal does not validate the supposed debt and attached you will find the validation with their very own statements of account, and the XXXX XXXX statements of account. 

If they did not send a double refund, to me, they do not have any right to claim a duplicate one. XXXX XXXX refunded once, XXXX XXXX issued a temporary refund until PayPal refunded, and reversed it after Paypal refunded. 

Attached you will find the validation of no debt and the evidence of PayPal intending to defraud the Consumer, with a general adjustment to the account when they did not pay that amount to any of the 3 other parties ( consumer, XXXX XXXX, XXXX ).
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XX/XX/2022, I met with an Accredited Financial Counselor with the XXXX  of the XXXX at XXXX XXXX XXXX. I saw her for assistance with my security clearance as I had delinquent debt. During this session we determined how much I could reasonably afford to repay on my delinquent accounts. I called one of the creditors, TD Auto Finance. My counselor was on the call. I spoke with XXXX @ XXXX @ XXXX. He informed me that no one except myself could remain on the call. I continued with other creditors and called TD Auto Finance back at XXXX. I reached XXXX XXXX XXXX (? ). I explained the reason for my call. She stated that my loan was {$12000.00} at an interest rate of 7 %. I immediately asked her to lower it due to the SCRA rate of 6 %. She stated she never heard of this and would not reduce my interest. I asked again for her to lower it and she said she would ask her supervisor. Again, she returned to the call stating she could not reduce the interest. I continued to try to negotiate a possible settlement with payments. She kept referring to a payment that was impossible for my family to afford. I told her that I could only afford {$170.00} at this time. She stated that was not enough and said she would not set me up on a payment plan for that amount. When I explained to her that I could not afford payments over {$600.00} she offered a settlement of {$6400.00} that I could not afford to pay. I asked her for the payment address, and she did provide it however, she told me that I should not send in payments of {$170.00} because that was not acceptable. She outright refused to take my {$170.00} payment. 
After my call ended with TD Auto Finance, my counselor suggested I file this complaint and for my wife to send in payment every single month until this complaint is resolved.
Consumer complaint received 2020-10-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (LA)

This decision has come to the observation of the type of financing and payment in installments for each month. It is not possible for a simple {$900.00} loan to generate 10 payments of {$460.00} each month, creating a debit of {$4600.00}. There is no way in the world to understand and interpret that. Gold in kilograms is cheaper than your type of financing.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO (CA)

I do not HAVE A BANCO POPULAR Credit Card!!!! I have a " XXXX XXXX '' Card and Banco Popular has been fraudulantly reporting charges on my account as a representative of XXXX XXXX and they are not XXXX XXXX. XXXX XXXX is my mortgage company and does not offer credit cards.
Consumer complaint received 2023-01-07
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. (MD)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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  Balance : {$0.00}
Consumer complaint received 2020-10-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : Fraudulent inquiries XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Fraudulent Account XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  / XXXX, Account Number : XXXX I am attaching the formal request I sent them and identity theft report from FTC too for your consideration.
Consumer complaint received 2024-02-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (CA)

We hope this email finds you well. We applied for the Stated Income Business Loan, Stated Income Business Line of Credit and Stated Income Business Credit Card that Navy Federal offers as far as no doc loans for start up businesses. We received an adverse action denial and we would like the governing factors that were involved in making this decision. Our business is properly structured, no debts, XXXX credit is cleared and debt to income ratio low and our business has an XXXX XXXX  score making my business a low risk loan so we are bewildered as to what the actual factors were in our loan denial. We asked for a {$25000.00} term loan, {$5000.00} credit line and a business credit card as instructed to do so by your staff after we discussed our credit. 

When we initially obtained our Navy Federal accounts we were promised by staff that WE WOULD NEVER GET A LOAN, CREDIT CARDS OR ANY SERVICES WE MAY APPLY FOR, nor are we allowed access to underwriters because quote, " there are none '', or " they don't speak to customers '', " the business agent decides on the loan there are no underwriters '' but Navy Federal and it's staff have GUARANTEED THEY will deliberately run hard inquiries on our credit intentionally to destroy our credit as we were asked how did we apply and " I thought we ran this already '' given and even though we meet the minimum criteria. When we ask questions we are given emotional and unprofessional feedback and questions left unanswered and left frustrated when we are witnessing our non-racial business friends getting funded immediately and without issues or having to meet any requirements with less credit and not having to meet any requirements at all. 

The adverse actions violates Title 15 subsection 1611 False and Misleading denial of my credit- the entire consumer transaction is predicated on your unlimited credit, 12 U.S.C.1431 denial of securities and denied credit before consideration and then encouraged to apply to only be denied again more false misrepresentation, 15 U.S.C. 1691-1691f we can not be discriminated against or credit used against us, 12 U.S.C. 1451 ( d ) and 42 U.S.C.12203 ( a ) ( b ) ( c ). It is against the law to use our credit against us, Retaliate against us, deny us our securities, discriminate against us, or interfere with commerce in which you have and a labyrinth of SEC Laws, EOCA and California Regulations governing Credit Unions. 
IT IS ILLEGAL TO TELL ME THAT " I KNOW TOO MUCH, I HAVE NEVER HEARD ANYBODY THAT KNOWS AS MUCH AS YOU DO " NAVY FEDERAL STAFF AND THEN RETALIATE AND DENY MY CREDIT BEFORE CONSIDERATION. 
My intentions for Navy Federal, as I have always established, is to maintain a friendly and professional business relationship but we are unable to do so due to unprofessionalism, retaliation, misleading and misrepresentation, intentional misinformation, discrimination and lending discrimination.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-01-07
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. (MD)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (GA)

The mobile Bank is an in-app authority only so when I had lost my phone I was locked out of the app as to the two-step verification through the phone the same with my email so I was unable to get in touch with the company at all the company in hand is Current mobile Bank. After about a month the company came out with a XXXX number I finally called the number and was able to get into the account and saw that {$3000.00} had been direct deposited and spent without my permission. I had to take a discrepancy charge. As I had to get a new phone I lost that email due to to set verification but was able to keep the current account and 2 months later have still not heard anything about the investigation.
Consumer complaint received 2020-08-04
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. (WA)

We hold our current FHA mortgage with XXXX XXXX XXXX. We have paid on time since the inception of our loan XX/XX/XXXX. 

We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again. 

We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor. 

On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. 

We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late. 

At this time, we called XXXX XXXX XXXX  to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XX/XX/XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online. 

They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. XXXX stated that even though they have record of our payment on the XX/XX/XXXX, they will not update the credit reports to show an on-time payment. 

At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by XXXX, and on XX/XX/XXXX XX/XX/XXXX investigated and deleted the late payment from our credit files. 

Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. 
We have never been 30 days late on any mortgage. 

Please help us to ensure that we are able to hold XXXX to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. 

Attached : payment confirmation on the XX/XX/XXXX,  Confirmation of increased credit score when XXXX removed the 30 day late payment. Letter to credit bureaus.
Consumer complaint received 2020-10-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : Fraudulent inquiries XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Fraudulent Account XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  / XXXX, Account Number : XXXX I am attaching the formal request I sent them and identity theft report from FTC too for your consideration.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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.

has violated my rights. Or a list of inquiries : 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 2020-10-01
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Flagstar Bank, N.A. (FL)

I called the company to dispute an Transaction that was done on my business credit card. I advised the company that I did not make that purchase. This purchase was done back in 2018 for the amount of {$10000.00}. The company was investigating my complaint. They gave me back the credit while they investigated. They investigated for a whole year and then came back with the results that I made the purchase because of a credit that was given to me. I advised them that I did not make this purchase.I was not aware of a credit that was credit to the business card by this particular company. I did not know of this company in question.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NM)

I called the lender and requested that they remove the late payment due to XXXX from my credit report. My state had at the time shelter in place, at the time of the missed payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track.
Consumer complaint received 2023-06-21
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: TD BANK US HOLDING COMPANY (TX)

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights I privacy pursue to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2024-04-17
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: SUNRISE CREDIT SERVICES, INC (MS)

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 XXXX  ) These companies have denied me resolutions and I have chosen to put it on my credit to do damage. I have offered resolutions, and none have been accepted. I was charged for phones I never did receive and service I never used. I was also charged for phones in my father 's name, and he has since passed away during that time and I notified them of this horrible experience.
Consumer complaint received 2022-11-06
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. (FL)

Dear reader, I am reporting a complaint and potentially I may even file a law suit against XXXX, XXXX, and Equifax. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these XXXX are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.