davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-12
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have been a Venmo user for over 3 years. I opened my first personal account with Venmo two years ago which I used to send money to family and friends and later on I went on to open a Venmo business account as I do Focus Groups to make a living making me an independent contractor however, I was not aware that I could not have two accounts and it was against Venmo policy. My business account was recently frozen with over {$900.00} in it and over {$200.00} in my personal account and I have spoken with more than one supervisor and I was told before an account specialists looked into my case that the two accounts would be combined contingent upon me providing my State ID.

As of now, I received an email from a Venmo account specialist stating I can no longer use there services and my funds will be held for 180 days ( 6 months ). I have no money for my bills and my electricity has been shut off because of this. I will be taking legal action against Venmo
Consumer complaint received 2022-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have right to privacy.

15 USC 1681 section 604 A section 2 : It also states on a consumer rights furnished account without my written instructions.

15 USC 1666B a credit may not treat a payment on a credit card and open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-12
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: DISCOVER BANK (CA)

In accordance with the Fair Credit Reporting Act the following Accounts, have violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1681 ( 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. 1681-2 ( 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.

In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report. 

XXXX stated the Discover account XXXX opened XX/XX/2018 was properly investigated but how is that possible if I never applied for the Discover account XXXX XX/XX/2018 and have sent them a letter from Discover in which it states the account was opened fraudulently? I have also filed a police report and a FTC report.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-01-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (SC)

I am not liable for the debt with ONEMAIN as my information was sold. They did not provide with the original contact as requested. I believe I was a victim of identity theft as I dont and never had revolving credit. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Failing that, the item must be deleted from my credit report as soon as possible as I am not liable for the debt with ONEMAIN.
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

I have no knowledge of these inquiries, my social security number has been compromised and because of this illegal activity according to 15 USC 1681c-2, I expect to have all inquiries removed within 4 business days.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (OR)

Our loan got transferred to Mr. Cooper on XXXX XXXX. We werent able to access the account until XX/XX/2023 to make a payment. The payment was made on this date for {$2500.00}. On XX/XX/2023, another payment was taken out of our account for {$2500.00}. Thus over drafting out account by {$300.00}. We got charged by our bank account {$30.00} for over draft fees. On XX/XX/2023 I messaged Mr. Cooper regarding the overpayment and reimbursement oh the account. When I called the number to verify information, they were unable to do this and needed to call my bank to reimburse my account. They then tried to blame myself for their error of over drafting the account. They then told my husband that the second payment would go towards our XXXX payment. However, on the app it states that the next payment for our mortgage is coming out on XXXX XXXX. I asked if they would cover the over draft fee and they declined.
Consumer complaint received 2022-06-02
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. (TX)

I have been monitoring my credit report with Experian for about a year and I check my report often and I notice a few day ago a debt collection agency popping up out the blue states it been there but it was not so on there before I disputed XXXX XXXX for XXXXXX/XX/XXXX which XXXX XXXX reported for the sameXX/XX/XXXX Which I spoke with XXXX has a different amount so they say it was not a duplicate I only had 1 past due account with XX/XX/XXXX and the number listed to contact XXXX XXXX is a recording
Consumer complaint received 2024-01-25
Product: Credit reporting 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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-08-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc. (OH)

I have filed complaints previously, the Attorney Generals ' office suggested I file with your company since they are unable to resolve. This company does not apply extra payments to principal, notes my next payment is not due until XX/XX/2024, yet charges me late fees. There have been MANY late fees although I have no payment due! The additional payments are CLEARLY outlined to be applied to the principle. I have documentation of checks indicating " apply to principal '' I have downloaded statements from their website, I have screenshots of their information indicating the next payment isn't due until 2024. I have contacted them MANY times and no one can seem to answer why I get late fees, why the additional payments are not applied to the principal, and even after calling they are not corrected to apply to the principal. Additionally, there is a " prepayment penalty amount '' listed on my mortgage statements. When I obtained this mortgage I SPECIFICALLY shopped and obtained a mortgage that does NOT have prepayment penalties as I intended to pay it off early. It has been literally YEARS of trying to resolve these issues. But now I have documentation.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I received my credit report on XX/XX/2023, and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.
Consumer complaint received 2023-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

During pandemic, XXXX XXXX financial aid office did not advise students to apply for federal loans and encoursged students to sign ECSI health profession loans without clarifying the terms and conditions. This lead me to borrow XXXX $ per year for the four years I attended XXXX XXXX. Only in 2021, they made students sign electronic master promissory note that indicated this is institutional loan ( private loans ). This was XXXX $ instead of XXXX $ they offered each year. Other master promissory papers signed were expired and the school financial aid counselors did not help or clarify. They just advertised for this loan and placed on students accounts.Today, I have a total of XXXX $ XXXX loans with ECSI. ECSI customer service are not knowledgeable or trained and they are unable to clarify the loan type and deferment options. They do not give the phone to their supervisors either after I request. ECSI gave me multiple different wrong information stating my XXXX loan with them is XXXX, indirect loan and they also claim to be PRIVATE more recently and they are threatening with COLLECTION AGENCY without clarifying my loan type and my options to me. It is also very suspicious how they have federal terms apply to my loans and the use of federal forms when referring to my loan with them but all of a sudden stating they are strictly private and they threaten my academics, and my credit and etc. PLEASE KINDLY CONSIDER HELPING ME WITH ECSI. THEY ARE CAUSING ME GREAT DISTRESS THREATENING WITH COLLECTION AGENCY. THANK YOU FOR CONSIDERING HELPING ME DEAL WITH ECSI. 

Best regards, XXXX XXXX
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC. (MD)

I thought I had purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, MD. which Ally Financial chose to finance to me, XXXX XXXX XXXX. I never made a payment on this vehicle because it was financed at 11.1 % interest rate. Then I discovered the vehicle 's lien and MVA Tags were never transferred into my name along with an expired registration. I contacted Ally Financial on XX/XX/XXXX @ XXXX, on XX/XX/XXXX @ XXXX, on XX/XX/XXXX @ XXXX asking to speak to a manager about this vehicle not being in my name and even the MVA said they considered the vehicle & tags stolen and on top of it the temporary registration had expired on XX/XX/XXXX. I had filed a complaint against the above named dealer with the MVA here in Maryland. My MVA Investigator is XXXX XXXX who can not share his findings with the dealership with me-only the MVA. Last Thursday @ approximately XXXX XXXX  a man was on my property with a flashlight my wife thought he was a thief trying to steal the XXXX. When our XXXX light came on -he took off and jumped into a pick-up parked next door. The tow truck owner came by about XXXXXXXX XXXX and this was his statement to me : You better keep your XXXX parked behind the XXXX or I'll pull it out of you driveway. I explained to him the vehicle was on private property and the car dealership had pushed the title through the MVA 114 days after the XX/XX/XXXX date which put the XXXX in my name and he would be stealing the vehicle. On Saturday around I ran an errand @ XXXXXXXX XXXX and this tow truck driver hired by Ally Financial pulled the vehicle out of my driveway with the emergency brake on and has destroyed my asphalt driveway and concrete entrance to it. I want Ally Financial to reimburse for the XXXX Vehicle for {$63000.00} and the full cost to have my entire driveway replaced [ no patch job will fix it ] and the tow truck company and accomplices be held legally for coming onto private property and stealing the vehicle and destroying my entire driveway. I e-mailed Ally Financial on Saturday about this entire situation and like all the other times I've contacted them-NO RESPONSE!! I now need the CFPB to get involved.
Consumer complaint received 2023-05-30
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 — Was not notified of investigation status or results
Company: Rent Recovery Solutions (TX)

I'm having difficulty when I contact the RENTCOVER SOLUTIONS at ( XXXX ) XXXX to rectify the situation which is in error by submitting the court report and fact statement. 
I also had contact the XXXX credit report company. I uploaded the information to their site and sent the information via register mail on XXXX to XXXX XXXX XXXX as XXXX demands it in order to resolve the issue on my credit report The XXXX will say I should contact collection agency ( which they don't responded ) and I can't get straight answer from XXXX after uploading the court report paper. 
I called XXXX since they indicate my dispute result is not available on line and I must call them to this number, but its no way you reach any one life to resolve your issue in XXXX or the collection agency after sending all the information requested, via mail or phone.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using XXXX and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX XXXX and XXXX. I've tried recovering my funds from Chase Bank, XXXX and XXXX but they all denied my claim.
Consumer complaint received 2022-12-12
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. (MA)

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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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 2023-05-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was issued a credit card from XXXX about a year ago. I was approved for a credit limit of {$9500.00}. I paid more than my minimum payments that were due for most of the year without ever being late. I believe my balance will reflect that I paid more than the minimum amount due within the year I had my card with XXXX. 

About 3 months ago, XXXX sent me an email asking for personal information regarding my income taxes. I thought it was kind of suspicious, seeing that I had been my all of my payments in a timely manner. 

They sent me the email and before I could respond to their request, within a few hours, they blocked my credit card. They never even gave me a chance to respond before initiating a block that caused me unnecessary inconvenience and embarrassment, as I had tried to use my card in the interim. 

Since they have blocked my card, I have made 2-3 timely payments and they informed me they were closing my account. Needless to say, this has affected my credit in a negative way even though I have never been delinquent with XXXX. 

I believe this is unfair because had they given me time to respond, I would have and we would never have had an issue. I did get very upset and was very slow and never did respond to their request for more information because I felt I was not being treated fairly. 

Please let me know if there is anything you can do to offset the already published views of my other creditors for being cast negatively, even though, I have never been late with this or any of my credit cards.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2023-06-05
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. (CA)

This is my XXXXth 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. 
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Consumer complaint received 2022-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I C systems # XXXX keeps sending a bill for XXXX. This original medical bill was from XXXX XXXX XXXX  XXXX This bill was paid in full by insurance and shows a XXXX balance. I C systems keeps validating this debt and sends me a bill from XXXX XXXX XXXX XXXX. with a XXXX balance. I C systems also is using my medical information to validate a XXXX balance.