davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITY NATIONAL BANK (NY)

I have been told that my credit card application has been declined through email from a banker at City National Bank, so I am waiting for the official decline/rejection letter, but it has been 22 days and I didn't get the decline/rejection letter. I tried to contact the bank who told me the application is not approved and tried to ask the official mail twice. He never replies it me anymore. 

XX/XX/2019 : I have been told my credit card application is not approved by XXXX XXXX XXXX, Vice President/Relationship Manager from City National Bank. 

XX/XX/2019 : I didn't get the official decline letter, so I follow up with XXXX and told him I didn't get the decline letter. He didn't reply me. 

XX/XX/2019 : I still didn't get the official decline letter, so I follow up with XXXX again and he didn't reply to me. 

As of today XX/XX/2019, I still didn't get the official decline letter.
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

I have a collection on my credit from XXXX for about {$230.00}, but there was already a payment made to them and settled the price for over {$500.00} that I've already paid. I havent had XXXX in years and already made my payment to them to zero out the balance of what was owed and I absolutely refuse to pay anything else do to the fact and this already being established and now a new charge appears out of no where after I've already paid everything I owe to them after not having service with them in 2 years or longer.
Consumer complaint received 2021-02-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been fighting with Capitol One for some time now. There was account open under my name that wasnt me. I have even filed a police report and sent them the copy and they wont remove it.What do I have to do to have this remove? Im attaching a copy of my police so hopefully you can help me in this matter.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (DC)

This is regarding my student loans amounts : {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} .. these loans are reporting incorrectly on my credit report. 
i paid off these loans a while back but they are still appearing on my credit report. Please take them off my credit report immediately. 

thank you
Consumer complaint received 2019-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (SC)

I noticed right after got the loan that my paydays were wrong. So..I reached out to them to try and get them fixed. I was told that I had to email the support team to get this handled. They take out a membership fee and the actual loan payment seperate. They fixed the membership part..so that comes out now on the correct date..but the loan payment does not. I have been calling..and emailing. When called they told me to reach out via email..I have accrued so many insuffiecint fund fees of {$35.00} +..because it's like a trickle affect.until I can't afford tto pay the loan anymore..No one will help me with this matter. I'm frustrated and need help.
Consumer complaint received 2022-01-10
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. (NC)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Consumer complaint received 2022-10-06
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. (TN)

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 Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. section 2,3 5 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 record of comradiarmac which 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 XXXX 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. Also the inaccurate information on my names and addresses Ive disputed to no avail. Multiple hours spent calling all 3 agencies and nothing. Disgrace to Me as a Human and The Consumer Laws that Protect Me. 

Accounts : XXXX $ XXXX XXXX $ XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX hard inquiry XXXX XXXX XXXX  XXXX Hardy inquiry XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX All Hard and Soft Inquiries Must Go as I have No Written Permission Period All My Right Were Vilated Under Laws 15 USC 1681 Section 6060029
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (NY)

This is not the first time. 
Citi provides the return protection, and I filed a claim on XX/XX/2019. I receive the email acknoledging receipt of documentation. 
The email states I should hear back in maximum 14 days ( 2 weeks ).

It has been already 3 weeks, with no updates.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of DisputeXXXX Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$120.00}.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-02
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. (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 Account, 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 2023-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (OH)

Capio Partners LLCXXXX XXXX XXXX XXXX XXXX XXXX is illegally operating in the state of Ohio XXXX 
They are not licensed with the XXXX in the State of Ohio. 
I have never had contact with them and all of a sudden I am being harassed at work.
Consumer complaint received 2022-01-10
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-09
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. (WA)

on XX/XX/21 I got an alert that someone had run a hard inquiry on my credit which I never authorized or have an idea of the person this report showed up on my Equifax credit report as XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (HI)

On XX/XX/XXXX, I used PayPal XXXX XXXX service to make a payment of {$1600.00} and {$1200.00} to a XXXX credit card. PayPal claims payments usually take up to XXXX business days. The payments didn't post until XX/XX/XXXX. After searching around on the internet about the problem I found out that there were many other people experiencing the same problem with funds that were held up from XXXX/XXXX - XX/XX/XXXX. 

First I chatted with XXXX on XX/XX/XXXX and asked them to investigate the missing payments. Then I contacted XXXX also on XX/XX/XXXX, the PayPal subsidiary that handles money payments. They told me the payments I made show as sent and that I should let XXXX conclude it's investigation and if that didn't work I could dispute the payments with XXXX. 

Today when I discovered this post by searching the internet : https : XXXX # XXXX - I found out that the payment company that PayPal/XXXX  use XXXX XXXX XXXX called XXXX. Apparently many other people in that post/thread as well as other threads on the internet have complained about their XX/XX/XXXX payments also being delayed until today, XX/XX/XXXX. I didn't contact XXXX, because by the time I discovered the company resposible, other customers had called and alerted them about the problem and they fixed it. 

The PayPal XXXX XXXX service has been very handy for me in the past, but delays in their payment handling have been more frequent and longer. I want to continue using their service but I'd like to know why my money is being held more frequently and longer. I've experienced 7 day delays in the past but 16 days for them to process a payment is worrisome. I am concerned as to why they are holding the money so long and whether it is truly just a mistake on their part or whether there's more to it.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (IL)

Today my car was repossessed for a second time, even though the account was brought current and monthly payments have been made. My issues began with this account after the initial XXXX occurred on XX/XX/2022, in which I was given 21 days ( XX/XX/XXXX ) to pay the amount of {$2300.00}. The payment also included my next monthly payment. After the payment was successfully made on Friday, XX/XX/2022, the vehicle was returned to me. Subsequently, two additional monthly payments were made and both were posted to my bank account on XX/XX/XXXX and then XX/XX/XXXX. There have been problems when trying to reach customer service by phone. Due to the phone system experiencing system difficulties, I'm unable to reach anyone directly for assistance. This vehicle is my family 's only means of transportation and has caused me a great deal of inconvenience with it being repossessed again.
Consumer complaint received 2022-10-06
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-13
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. (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, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
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 an 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 or 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 2021-05-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (IL)

I received an alert on two of my credit bureau. The alerts stated that the Creditors name is AFNI at XXXX XXXX XXXX, XXXX, IL XXXX. Showing that is have an Account Balance of {$94.00}, Payment Status : Collection/Chargeoff, XXXX XXXX XXXX : XXXX  XXXX Other, & XXXX XXXXt : Placed for collection. It only shows a partial account number on one of the alerts and shows it was added to my credit report report on XX/XX/2021 on one site and XX/XX/2021 on the other site. I dont owe {$94.00} to any company and have a good credit score currently at XXXX on XXXX and XXXX on XXXX I dont want any false information to damage them.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (WV)

I noticed on XX/XX/XXXX that the money I received from XXXX XXXX was being pulled back off my account by XXXX. I stopped after I received my deposit, but I noticed the next day that there were multiple charges after my withdrawal that adds up to XXXX. I contacted current bank and was told to contact XXXX which I did. I was told that they didn't see the transactions that I was referring to. Then I contacted current back, and was told I would need to file a dispute, but was not able to file the dispute until the transactions was cleared. I waited until the next day XX/XX/XXXX and filed the dispute. Then I waited 7 days for them to tell me that there " investigation " concluded that they found no wrong. I didn't even get a explanation as to why nothing.
Consumer complaint received 2022-01-10
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. (CA)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2023-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I filed a TEPSLF and PSLF application with MOHELA on XX/XX/XXXX. This certification certified my employment with the Social Security Administration from XX/XX/XXXX to the date of the application filing XXXX XXXX ( I have attached a copy ). I patiently waited for the Department of Education to certify my qualifying payments -- which just happened yesterday XX/XX/XXXX. I have 127 qualifying payments per that official count, however, MOHELA claims that only 119 of those are counted toward forgiveness because they do not have employment certification for the XX/XX/XXXX payment which would put me at 120 payments and therefore mean that my loans are completely forgiven under TEPSLF/PSLF. Thus, the failure to process my paperwork submitted nearly six months ago is what is standing between me and having my loans forgiven nearly 8 months ago.