davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cottonwood Financial Ltd. (TX)

Yesterday, I went to the Cash Store to see XXXX XXXX who is a manager.She was not willing to change date of payment. I told her I have another loan in same day each of monthly. I will have to pay {$65.00} to the Cash Store every month but my main concern they are rip off {$65.00} is too much. I loaned {$190.00} it should be low payment installment. She was refused to move payment XX/XX/XXXX instead of XX/XX/XXXX.But I would still refuse to pay to due XX/XX/XXXX until we agreed. 
Other guy employee said first month to pay {$65.00} then second monthly will be reduce {$58.00} but I did not understand why XXXX was not aware of this. 
I will address to the U.S.Senator office and contact FTC. Loan payment too higher might be not appropriate. 
I will contact you on Monday or Tuesday. 
Ps. I will request make a copy document from Cash Store next week.
Consumer complaint received 2019-09-05
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)

My name is XXXX XXXX and I have lived in my home since 2003. In a recent effort to obtain my annual " free '' credit report, I spotted a wrong address listed in my name as living or having lived in XXXX ... I have never lived in XXXX. 

The problem may be that someone confused my name : XXXX with my daughter 's name : XXXX who does live in XXXX. She has been receiving date sensitive mail in my name at her address. 

Please remove from all 3 credit reporting agencies any address listed for me in XXXX.
Consumer complaint received 2024-05-25
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 (IL)

On XX/XX/XXXX my Venmo Account Was Suspended After My Friend Sent Me XXXX for a Loan. Today is XX/XX/XXXX and its has passsed XXXX  days and they still cant tell me why I cant access my funds or why my account was frozen in the XXXX  place I received a message in XXXX saying that some investigation was over and that I can tracer my funds but that was a lie
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXXXXXBalance {$0.00}
Consumer complaint received 2020-07-25
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX  XXXX  XXXX  appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX  XXXX - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/XXXX
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XX/XX/2017, I fully paid off the balance owed on a closed credit card account with Bank of America. I paid it in full before the due date. 
After I paid my card, the account disappeared from my online statement which I often check because I have an active mortgage with Bank of America. 
Yesterday I received an alert to my credit report that my credit card account with BOA was 90 days  past due! I was infuriated! 
I logged into my account and saw that the card was reinstated under active accounts and they were charging me interest and late fees for an amount of money which had been paid prior to the due date.Since the account was paid in full I have not been billed once for this account. 
I called the lender yesterday and they agreed it should not have been and they are removing it from their accounts. However, they said they could not remove the 90 day late notice from my credit report for 1 to 2 months! That is simply not acceptable! They are absolutely damaging me financially. 
I am looking at new houses to buy this spring and this false report on their error is going to hurt my score.
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION (PR)

PENFED Credit Union has added additional burdens to the auto loan application process. Initial Credit application denies, and then, with spouse, unnecessary discriminatory burdens were added. I explain : The latest, as we submit a well Legible Utility Bill for personal and address verification ( Spouse ), they still withheld approval, until the Utility Bill was submitted in a Color Scheme of same Utility Loan, with same information. 

PENFED assumed that a black and white legible utility bill could perhaps be a fraudulent document, as the shown names of applicants are of XXXX XXXX, and document originating from the XXXX of XXXX XXXX. PENFED demanded, in order to approve loan, that it needed to be " Clear Legible and Color Copy. '' A copy is a copy ( Black, White or Color ), it makes no difference as it contains the same personal/address verification information. PENFED 's overwhelming and discriminatory request falls shorts of standards expected from this banking industry, placing gender, race and other traits aside from a fair application process. 

This assumption clearly discriminates to applicants, Veterans, Female and XXXX 

XXXX XXXX, XXXX  XXXX XXXX, XXXX, ( XXXX ) XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : 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 2021-12-06
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AK)

We recently decided to sell our vehicle, so we had a buyer and we called Ally Auto to get a payoff quote, the lady at first told me she faxed it. The second time I called they said yes we will send it. The third time I called they said they couldn't because of an error on the account, but they would remove it and get the payoff quote sent to the dealership, I called today and recorded it they said they can't give me a payoff quote because I owe a payment. Then suddenly it was they can't because one payment was sent to collections. The dealership in XXXX Alaska also called Ally, my daughter also called and they are refusing payment.
Consumer complaint received 2021-12-06
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX XXXX
Consumer complaint received 2018-10-06
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 (CA)

XXXX XXXX XXXX XXXX service sent 2 people to my house to clean for 3 hours. They only cleaned the house for 2 hours. I was told by the vendor they would credit me back {$40.00}. Bank of America denies my request for assistance because it was done over the telephone and their VISA vendor does not provide receipts via email or US mail. I'm entitled to my {$40.00}. The vendor appears to know this because they have ceased corresponding with me. I've posted feedback on XXXX and XXXX XXXX XXXX but still nothing. Refund 1 hour of cleaning services not rendered in the amount of {$40.00}. My alarm and door entry records proved when they entered and left. I've told Bank of America this and the Vendor. This is why the Vendor agreed to the refund me but didn't for an unknown reason. Bank of America didn't consider those facts ... only a hardcopy receipt ... makes no sense except to rip me off.
Consumer complaint received 2024-05-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

This company has reported the amount on my credit report since XXXX. 
The company bought this debt from an old property manager I rented from XXXX XXXX XXXX. I moved out of this apartment XX/XX/XXXX, and my new lease with my residency started XX/XX/XXXX. After my move out date, the rental property charged me for several things amounting to {$2.00}, XXXX. 
I have reached out to this creditor recently to settle this debt in return to have this removed. I made a phone call to the company on XX/XX/XXXXXXXX XXXX XXXXXXXX ( XXXX ). The agent I spoke with was extremely rude and became agitated when I was not willing to give my personal information regarding my credit card over the phone. I informed her I wanted to see the amount updated, and I will then pay online or mail in a money order or cashiers check. The agent then asked again " You don't have a card? Nothing? Not even a credit card '' -- To rudely pressure me into giving my information by phone without seeing the amount updated. I asked for an email to communicate because I would rather have all communications in writing from here on out. 
Through email, on XX/XX/XXXX, I offered 68 % ( {$2.00}, XXXX ) of the total in return to completely remove this account. My offer was denied and they requested I pay {$2.00}, XXXX in the form of XXXX payments in return for a XXXX  balance letter. They also falsely stated in the email " XXXX XXXX does not purchase our debts and can only offer what the creditor allows to resolve your obligation for a lesser amount ''. Which is incorrect, XXXX XXXX XXXX is a debt collection agency that purchased this debt from another agency to try to collect. 
Along with XXXX XXXX 's unethical practices, I researched their company and found their low star rating and multiple complaints that match the struggles I am having this company. 
After researching this company, I formally requested debt validation. 
There are so many charges on the itemized list sent to me. 
Along with this debt validation letter, there was no authorization signed by the original creditor to collect this debt. 
I recently sent in a final offer ( on XX/XX/XXXX ) with several pieces of evidence to prove this debt is not owed by me.
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc. (GA)

Original debt with the Hospital ( XXXX XXXX XXXX XXXX, XXXX, Ga ) is being paid bi-weekly since services were rendered in 2016. Documentation such as bank statements ... have been provided to National Recovery Services and 1 additional company trying to collect and the original debtor. This information was provided almost 2 1/2 years ago to these three.
Consumer complaint received 2018-03-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I was laid off from the XXXX XXXX XXXX for 17 months and got behind on my payments. My loan was with XXXX XXXX XXXX until XX/XX/XXXX. They sold my loan to XXXX a company out of Virginia. 
I've tried numerous times to do a loss mitigation or a restructuring of my loan but each time I was told that documents were missing. I am currently working now in the oilfield and my pay is reduced but I can pay my mortgage if they will work with me. Again I submitted all docs via XXXX  and received a phone call from XXXX stating all papers were received. Yet two days later I received an Email saying it's incomplete. Missing were 30 days of my pay stubs which I sent. I Emailed them my response got no reply, so I Emailed pay stubs and also XXXX my pay stubs to a XXXX XXXX and XXXX XXXX ( my Point of Contact ). I feel this is a stall tactic to foreclose because of the " missing '' docs. and also I received a letter from an atty representing XXXX that im in default and have 30 days to respond. 
I am frustrated and depressed over this process and have filed this complaint about the handling of my mortgage and in my opinion unfair business practice that needs to be looked into. I've also looked at their online reviews and it's not just me with complaints. 
Please look into this XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My wife filed Bankruptcy in XXXX. She had a vehicle financed through XXXX XXXX XXXX XXXX containing loan # XXXX. She was discharged from her debt in XXXX. The account was closed on her bureaus, but they are still reporting on my bureau as if the account is still opened. I have disputed this matter numerous of times with the bureaus and with XXXX XXXX. I keep getting told by XXXX XXXX to submit letter to them and they will take care of this matter. This was in XX/XX/XXXX again in XXXX XXXX.Needless to say this matter still has not been taken care of.
Consumer complaint received 2018-03-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

At the outset of getting my credit card, the credit card company charged my credit card for two amounts. I did not know these charges would be applied. {$4300.00} was charged on my account without my consent of these two charges. One charge was made to XXXX XXXX and the other charge was made to XXXX XXXX. The effective date was XX/XX/2016 in which the two purchase were made. I do not feel that I owe this amount to this credit card company. The card company is Bank if America, N/A. Or XXXX.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

This information XXXX XXXX XXXX XXXX  is reporting on my credit file is not my bill or account this has been on my credit report for over 5 years and Id affecting my credit inaccurate information this company or hospital is 4hours away from my home I dont know how they got my information by law this not right to report on my credit
Consumer complaint received 2021-12-06
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. (AR)

Today is XX/XX/XXXX and the fraud accounts are still on my credit report with this company. Even after submitting an online FTC report. So again on XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent certified mail with green receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over 8 different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the Original Creditor. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. I'm uploading a new FTC report also. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) if a transaction was authorized by your social security card, the real credit card first defined in the FCRA and TILA, the transaction must be excluded from your consumer report. The company is refusing to delete the accounts, names, and addresses that are not mine and I have no knowledge of. Even after filing the proper documents. This whole ordeal has cost me a loan for 26000 for reporting inaccurate information. I am stressed to the max and now I have XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am taking this matter to court and I am uploading all documents.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXXXX/XX/XXXX
Consumer complaint received 2019-08-27
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)

I received a copy of my credit report and saw several inaccuracies. I disputed the inaccuracies and have yet to receive results from Experian. I disputed on XX/XX/19 where experian came back and said the account remains. I also disputed on XX/XX/19, XX/XX/19, and XX/XX/19. The bureau is reporting that an XXXX XXXX account that has been included in a bankruptcy. I have let them know I NEVER filed bankruptcy. I have even mailed the clerk of court to ask why they would provide that information the credit bureau if that is not true. They returned a letter stating they do not furnish any information to credit bureaus. That letter is attached with this complaint. Experian refuses to remove this inaccurate account from my credit report even though they have not provided and legal documents or any valid reason why the account remains. I have requested a thorough investigation several times so that they can see they are reporting the information they are reporting is WRONG. Under 15 U.S.C. Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of a letter. There is no way they did an investigation and the account still remains with no explanation. They are not adhering to the FCRA by reporting this inaccurate information.