davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Good evening, Paypal closed my account without any reason or warning, i tried contacting them trought on-site support, phone call, XXXX and they refused to assist me or tell me the reason why, also on-site support told me to open a new account ( I have proof of it ), which invalidates the purpose of them permanently limiting my account in the first place. 
They assured me that it was done manually, not by a robot, but the limitation happened on sunday, which im sure PayPal doesn't work on I provided all my private documents that they required on time. 
I rely on PayPal for my bussiness, currently there are no alternatives that i can use, or that exists. 


My email is - XXXX I got permanently limited on XXXX. XXXX Thank you in advance, if you need more information or documents please let me know. 

Best regards, XXXX
Consumer complaint received 2016-01-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (SC)

Being harassed.. phone calls and threats. Told Wells Fargo Dealers services that I was unemployed for 2 months and I will send what I can send. Threats are not the way today treat individuals that have been unemployed. Did n't anticipate being unemployed. Talked to them and told them I will pay what I can pay because for 2 months all my bills are behind and just now getting a job and getting back on my feet.
Consumer complaint received 2022-11-30
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. (FL)

.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. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct XXXX XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX  XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX  Acct # XXXX Acct name : XXXX XXXX  XXXX Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX XXXX XXXX  Acct 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 2022-01-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (SC)

I have been in a constant dispute with OneMain over an account I discovered reporting on my account. The account has been charged off and is even reporting as a charge off but OneMain continues to report a past due balance even tho they have clearly stated that this account has been written off. They have stated time and time again that they can only report information accurately and my scores have been severely impacted by this lie and inaccurate reporting.
Consumer complaint received 2022-11-30
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. (FL)

.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 XXXX XXXX XXXX. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct XXXX XXXX Acct name : XXXX Acct # XXXX Acct name XXXX XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX  Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX Acct # XXXX Acct name : XXXX XXXX XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX BANK, Acct # XXXX Acct name : XXXX XXXX XXXX  Acct 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 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

From XXXX XXXX thru XXXX XXXX Bank of America allowed fraudulent charges to accumulate on cc ending in XXXX, they closed that card and transferred the charges to cc ending in XXXX. A total of 434 charges at XXXX each for the same company in CA. They cleared 119 charges but refuse to clear the additional 315 charges, interest and penalties. I have been trying to resolve this for 2 months. No further communications from BOA, attempts to contact the fraud dept, appears to be a phone with a recording and no response. How do I get their attention to resolve this? I have had my credit score drop XXXX points due to this issue. A surge in spending and past due payments are being attached to my credit report. {$13000.00} of fraud is still on this closed cc. I plan to no longer use BOA but can not leave until I get this to a O balance. Thanks
Consumer complaint received 2023-06-29
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: PENTAGON FEDERAL CREDIT UNION (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

My wife and I opened a few accounts at Santander accounts and they blocked online access. My husband called for his accounts and was told I had to go in branch which doesnt work as the location is too far away. My wife has gotten calls she has a negative balance but we cant see why because we are blocked. The other option they gave me was to mail a notarized letter which I cant get right away. Im concerned as this could go against my credit as there is s negative balance. I would like my accounts to be closed and the money returned to me by check at the mailing address they have on file. Both myself and my wife.
Consumer complaint received 2022-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OK)

I took out 8 different loans with XXXX. The loan is being serviced by American Education Services ( AES ) all with variable interest rates. The lending institution changes the rates whenever they wish and I have no say over it. 
I am trying to do a final payoff but have requested a copy of my promissory notes in order to see how much I requested, what was disbursed, and how the interest rates changed throughout the history of the loan before I make the final payoff. 
They have not sent me a copy of my original application nor a breakdown of interest rates throughout the history of the loans. 
They have only sent me what they disbursed, which does not seem accurate, and what I have paid in interest but not showed what the actual interest rate is. 
This is so frustrating because in the meantime my principal and interest amounts keep going up everyday. 
This is horrible customer service and a horrible lending institution.
Consumer complaint received 2019-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (IN)

I tried to pay the loan off in full on XXXX XXXX.  I wanted to use another bank account and when I entered the new account number that starts with a leading XXXX XXXX, I could not save it.  I dropped the leading XXXX and it saved.  I made the payment and sent a secure message to Lending Club/XXXX XXXX   telling them about the issue.  I received a response back that did not address the issue.  I have since been able to make the full payment of XXXX.  However I have now been charged a XXXX  fee.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

On XX/XX/2019 XXXX XXXX Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to XXXX XXXX which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus XXXX  and Experian. These reported late payments should not be reported to my closed account.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

On XX/XX/2019 XXXX XXXX Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to XXXX XXXX which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus Equifax and XXXX. These reported late payments should not be reported to my closed account.
Consumer complaint received 2016-08-25
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services (TX)

He called and he started threatening me. He asked why I had n't paid for it since may when I said I did n't work and he called me a XXXX. He started saying that I was never going to have credit and that as a XXXX XXXX XXXX I cant even keep a bill that I was supposed to pay and that he could do it his self. He started calling me a bum and disrespecting me which is n't right never gave me the opportunity to say if I wanted to take care of it. I informed him that I do work.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I received a check from XXXX XXXX XXXX in the amount of XXXX and I did a mobile deposit online and I had very little amount of money available for use and I called Citibank checking account and see if they can speed up the process or call XXXX XXXX on three way to verify the funds but they refused and told me I need to go to the branch and there is no branch in Texas and I was told I need to wait 3 business days for the money to be cleared and but if Citi look at my previous deposits I did in the past I had those checks clear without any problems or no check returns at all ... now that money is on hold I have to wait three business days which I hate to do and Im considering closing my account in XX/XX/2020 cause deposit process takes too long and Im angry over this ....
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with XXXX. I spoke to XXXX after all loans were paid, and was told my loan would be reported as, closed, and paid. XXXX still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with XXXX but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with XXXX. I spoke to XXXX after all loans were paid, and was told my loan would be reported as, closed, and paid. XXXX still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with XXXX but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (AZ)

Collections Agency = EOS CCA ( Original creditor = XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/2018 Amount : {$160.00} This debt is not mine nor have I ever received any type of documentation or communication regarding this matter. This is in direct violation of collection activities and FDCPA governance.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

I have a new mortgage that was taken out through XXXX ( XXXX XXXX XXXX XXXX ). Their service was great. I was advised by them that my loan would be sold to a mortgage servicer once I closed, which was fine. I was also advised on the benefits of setting up bi-weekly payments, which for me is how I have to pay my mortgage to make it fit into our budget. I am the sole provider for a family of XXXX and I make enough for the family to survive and be able to save just enough. Once I received my first bill from Rushmore Loan Management Services I  immediately called, more than a month before my payment was due to setup automatic bi-weekly payments on my paydates. I was dismayed when the customer service agent advised that their company does not offer bi-weekly payments and that if I made bi-weekly payments they would hold the funds and not apply it to the mortgage until a full payment was received which is ludicrous. If any payment is made it should immediately be applied to the loan regardless of the amount. Additionally, I should have the option as advised by XXXX XXXX to make bi-weekly payments. The customer service agent stated that they have received several complaints from their customers for a lack of offering bi-weekly payments and that their management staff was 'looking into it '. I hope this complaint serves as motivation to 'look into it ' a little deeper. If a response is not received I will follow up this complaint with complaints to many other government agencies that may have jurisdiction over Rushmore Loan Management Services.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (TX)

This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my  XXXX  nor  XXXX  reports reflect this information. In fact, both show that as recently as  XXXX   XXXX ,    2017, the account was still reporting a {$360.00} balance owed and is still in collection status.      This account does not appear on my  XXXX  file.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I have a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX, XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never days late.
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account.After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. 
On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I went on chat with XXXX and explained that I did not receive my points. XXXX informed me that my bonus was denied for the following reason : " There was not a AAdvantage Points promotion offered in conjunction with the opening of your account. '' Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. They have also charged me two months worth of service charge fees because I kept my account open due to Citi lying to me, so I believe I would receive the AAdvantage bonus points.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX  2017 - 30/60 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-02-11
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. (TX)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit file. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit