davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

IN REGARDS TO : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I REQUESTED THAT THE COMPANY DO A DEBT VERIFICATION AND VALIDATION AFTER I SEEN THIS REPORTING ON MY CREDIT FILE. I NOYFIED THE COMPANY THROUGH LETTER CERITFIED ON XXXX XXXX RECEVIED BY AGENT XXXX XXXX.I EXPRESSED IN THE DEBT VALIDATION LETTER AND DEBT VERIFICATION THAT I AM VICTIM OF IDENTITY THEFT AND THIS ACCOUNT THAT THEIR CONTINUING TO TRY TO COLLECT ON IS CLEARLY NOT MINES, AND CEASE AND DESIST REPORTING IT TO THE CREDIT BUREAUS. 
MY REQUEST AND DOCUMENTATION OF THE ADDRESS THEY ARE REPORTING WITH THE ACCOUNT I HAVE NEVER LIVED AT WHICH MAKES NO SENSE I'VE HAD SEVERAL ITEMS IM FIGHTING ALONG WITH THEM FROM THIS SAME ADDRESS. IT HAS CLEARLY GONE UPON DEAF EARS. TRANSWORLD SYSYTEMS HAS YET TO PROVIDE ME WITH A ORIGINAL CONTRACT OF SOME SORT THAT HAS MY ORIGINAL SIGNATURE AND DO NOT PROVIDE ME WITH A BOLIER POINT BILLING STATEMENT OF CHARGES. ONCE AGAIN I'M SO UPSET ABOUT THIS AND IT'S APPARENT THAT WHEN YOU ARE A TRUE VICTIM OF IDENTITY THEFT AND YOUR IDENTITY HAS BEEN STOLEN NO ONE SEEMS TO CARE. THESE THEIVES WILL GO AS FAR AS TO PAY THE BILLS TO LIVE AS YOU.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XX/XX/XXXX, I purchased a car from XXXX XXXX XXXX, they reached out to CREDIT ACCEPTANCE CORPORATATION for and extension of credit. The consumer credit contract interest rates are in violation of the NJSA 31:1-1 CIVIL USURY, which the maximum legal rate in NJ is 16 % per annum if there's a written contract. The contract in question has a 22.99 % interest rate. CREDIT ACCEPTANCE CORPORATATION has continuously engages in these deceptive practices as referenced in CFBP/NY Attorney general lawsuit. since XXXX CREDIT ACCEPTANCE CORPORATATION has issued consumer credit contract with an average of 22.99 % or 23.99 % interest rate, completely and willfully disregarding the individual state statutes on civil usury. Ultimately as the NY Attorney General stated setting the consumer up to fail.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OK)

I traded my vehicle early XXXX and was ensured my vehicle would be paid off before it was reported late on my credit. As I waited for my vehicle to be paid the deadline was getting close. I called Kia Motor finance on XXXX XXXX ( they have recorded calls by the way ) and they told me that they had not received the pay off from the dealer I traded at. This was not true because this is the date they received the payoff check. I believe this was when it was 28 days late. Anyhow, They told me that I could pay on the XXXX since they still hadnt received the payoff from my dealer and my account would still be not late which is what I ended up doing. Turns out they reported me 30 days late anyways. This dropped my score over 70 points at a time that I am trying to buy a house. This is not right and I would love to get it resolved. On my payment history on the website it says they received the pay off on XX/XX/2023 which was not 30 days late either.
Consumer complaint received 2022-06-13
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. (CA)

I am a XXXX Vet trying to fix my credit. Transunion is using stall tactics to provide me a service I am entitled to. I am sending my disputes and I'm having no luck. They are sending me a letter about me having a third party doing my credit. Something like that. I am trying to get a refi on my home and these inaccuracies are stressing me out. I hand write all my letters so I don't see how they think that.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit reporting act. Tye list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always 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 items 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX  accounts # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (FL)

Afni, a subrogation  department, has been contacting me for the payment of {$35000.00}. According to Afni, I owe this money to the insurance company XXXX due to a traffic accident, but they haven't been able to provide an explanation of where this amount comes from. They also discussed a possible driver 's license suspension, which I consider a threat. It is worth noting that XXXX hasn't personally contacted me regarding this. On the XXXX of XXXX, I sent a letter to Afni by certified mail asking for these details, but they sent the same initial letter with no answer to what I asked for. This has been causing me a lot of stress.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, 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. (NY)

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

XXXX shows that I have XXXX accounts with a delinquent status, but at most I have XXXX accounts that are delinquent. I suspect that Wells Fargo is incorrectly reporting a closed student loan account as currently being 60 days delinquent, but XXXX will not assist me in resolving the error.
Consumer complaint received 2018-04-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (DC)

well. I have XXXX credit score and income sourse from XXXX XXXX and i have shown that information to this company afer was highly preaproved however XXXX XXXX compared other borrower like me and then after feeling completing all sharing all my fanaciol information with XXXX afilated of XXXX they sent me an email telling that they could not figureout my income source, after all not even also this company asked me to share my private banking information and create a hard inquiries on my credit record without and any reliable results therefore I never tried to share or compremise my banking information unless otherwise was nesecery since and was preaproved and then denied but nothing more than real discremation. Thank you.
Consumer complaint received 2021-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XXXX I sent dispute letters to XXXX, TransUnion, and XXXX disputing several accounts that I believe to be innaccurate erroneous or outdated and haven't heard anything back on the investigation. Also mailed out to them again on XXXX asking for a response or comply.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX I filed a Dispute with XXXX regarding incorrect information on my credit report regarding account : ( Santander ). 

It shows a Last Payment Date as of XX/XX/XXXX. However, I never made a payment to Santander in XXXX. The report shows the account was Charged XXXX in XX/XX/XXXX. In addition, the payment amount on the report shows {$0.00}. How can they report a payment on a closed account? 

I asked XXXX to investigate and to provide proof that I made a payment, and the amount of payment. I asked that they provide a copy of the check. I requested that if they could not provide proof that I made a payment to Santander in XXXX of XXXX that the account be deleted. 

The result of the dispute with XXXX was The information you disputed has been updated However, there was no change made on the account. As a matter of fact, The Date Reported is XX/XX/XXXX, and the comment section of the report should reflect the account is being disputed by consumer but its blank. 

In addition to that. The account is not reporting accurately as it says " sold to XXXX XXXX, but the contact information leads back to Santander. How can it be sold to another company but Santander is the one reporting?

My rights under the FCRA and or the FDCP have been violated and I want the account deleted from my report immediately for inaccurate and misleading data.
Consumer complaint received 2022-06-13
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 (OH)

On XX/XX/XXXX, I had a customer make a transaction through my business venmo account for the amount of {$2200.00} and then another payment made on XX/XX/XXXX in the amount of {$2800.00} for items that i was shipping to him. Everything was okay, i shipped out the items to the customer and they were delivered to him on XX/XX/XXXX. On XX/XX/XXXX, I got an email stating that the customer is disputing the charges and he did not receive the items. So i provided venmo with all the necessary information needed to support this persons dispute, in reality he was trying to scam me. Long story short when he disputed these transactions it sent my account to be frozen because you cant accrue disputes through your business account or you can have your account frozen and they hold the money for XXXX for " liability reasons '' .They investigated my customers claim and denied the claim and deemed it in favor of me due to me being able to provide, the tracking info and it being delivered to his house, itemized receipts of the items and the cost. So needless to say, i have now shipped and this customer has received {$5000.00} in items that i have not gotten paid for and dont have the items any longer. I can not get anything other than the same copy and paste scripted answer from anyone i talk to. Why are the funds being held still for liability reasoning when these transactions are the only two transactions made. Venmo denied his claim and deemed my favor which the funds remain mine. My account initially was froze because of this customer disputing these charges but in reality he tried to receive my items and then once they delivered, he tried to dispute the charges and say he didnt receive it. So why is it that i am being told to wait when this customer caused the funds to be frozen but the dispute was denied so after the dispute investigation the funds for these transactions should be released to me. Im so sick of dealing with this platform. Its nothing but issues along with a bunch of others based on my research.
Consumer complaint received 2021-11-22
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. (FL)

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 2019-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SLM CORPORATION (CA)

Sallie Mae Bank negligently permitted an unauthorized individual to remove over a half million dollars from my money market account starting XX/XX/2019. This happened over more than a month with huge amounts being fraudulently withdrawn day after day, after day, sometimes more than once a day. They were totally unaware that it was going on for weeks, they never notified me and I had to notify them about the problem. 
After I notified them, they froze my account, including non stolen funds, and I have not been able to get at my money for weeks. Sallie Mae was very unhelpful, never contacted me to get the account restored, refused to permit me to escalate the matter, and their consumer advocacy arm did nothing. They said they were working hard at it but blamed it on their 'new system '. They did not follow through with what they assured me they would do. They waited weeks to send me needed documents to sign instead of doing so immediately, thus keeping me from my funds now, weeks later. I felt they were totally protecting themselves and looking out only for their interests and had no regard for their customer. Law enforcement and other banks who reviewed the matter could not believe how ineffective their fraud prevention was. Officers of the bank did not respond to me despite numerous emails and calls. I feel no one should feel safe leaving their funds at Sallie Mae. Even trying to contact them was a nightmare with no one answering phones for long periods of time and then telling me only that the account was frozen. I still do not have access to my money and have had no reassurance that I would be fully compensated for their negligence.
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (NC)

I am XXXX XXXX  of University XXXX XXXX XXXX, XXXX XXXX XXXX. During this summer, I tried to do internship to enhance my knowledge on the subject. I applied in a dozen institutions for scholarship or paid internship but could not be that lucky. 
One day I got an information about the internship option at XXXX XXXX ( US : XXXX ( XXXX ) XXXX ) and contacted them for the internship opportunity in various parts in the country and abroad. After selection process they asked me to go to XXXX with XXXX ( XXXX? ) for the internship. 

After few days had passed, I didnt get any follow up with them regarding VISA for XXXX because I still have Passport from XXXX ( I am XXXX  XXXX  in the USA and eligible for applying XXXX in next XXXX ). During this time, I consulted with my father who was out of country for an important work and explained the situation. He recommended me not to go further with XXXX XXXX because they do not have experiences sending students abroad because they never talk about VISA. I also came to know that getting XXXX VISA for XXXX Passport is not easy and I had to apply two months in advance. At the same time, I was also not feeling well due to unnecessary pressure of internship. 
Finally, I sent an e-mail to the organizer saying that I am not going for the internship due to my medical reason and asked me to return by advance payment of USD XXXX. 

Instead of returning my money, they forced me to pay internship expenses of USD XXXX. Three weeks back, I got a call from phone number XXXX ( XXXX ) XXXX. I also received letter of dated XX/XX/2019 from Cedars Business Services ( it seems from the letter that this is debt collector ) for the money again last week. I felt really bad about it and decided to request your help to refund the money I paid in advance. They have also started calling my father for this issue and he has been mentally disturbed because he did not do anything except his advice to me regarding the internship. 

It would be highly appreciated ; if could give your expertise advise. Your action to save me this unnecessary hassle will help me to pursue higher education for building a strong nation. 

If you have any question, need further clarification, I will be available to meet you in your convenience time.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My Citibank checking account was blocked the following day after I deposited a check into an ATM back on XX/XX/2021 for {$18000.00}. I thought there must be a mistake since the check is good, so I called Citibank 24/7 phone line for help. The representative told me that my check deposited was automatically marked as suspicious by the fraud system, which is ridiculous. I explained to the rep that check is legitimate, gave him the check issuer 's name, purpose of check, and told him to verify it as soon as possible. However, the rep informed me that he was not able to know the exact time when the review process will be over, and told me to wait. This is what got me irritated. This can be done in a day or two, yet the bank still held all of my money with no access to my account for weeks. This is a shady policy that must be addressed so that is why I am filing a complaint here at CFPB. I have never been treated this way depositing checks at other banks. I have multiple banks so it will not hurt me much, but for those other customers who rely on the fund to pay bills then this can be a disaster. 

If I do not see my account block be removed soon, then I will be putting my money elsewhere. Such immoral policy to hold a check fund for so long with No access to bank account for normal activities.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

IN MID XXXX I TRIED TO START AN INVESTIGATION ON MY NEIMAN MARCUS CREDIT CARD ACCOUNT. I WAS GIVEN THE RUN AROUND AND MISS INFORMATION FOR A WEEK. I FINALLY SPOKE WITH XXXX IN THE CREDIT DEPT WHO TOLD ME TO OVERNIGHT A LETTER TO XXXX AT XXXX. XXXX XXXX, XXXX, TX XXXX. THE LEETER WAS DELIVERED ON XXXX XXXX, XXXX. NUMEROUS PHONES WERE MADE. I SPOKE WITH MS. XXXX, XXXX, XXXX, AND XXXX. ON XX/XX/XXXX I WAS TRANSFERED 7 TIMES BETWEEN NEIMANS AND CAPITAL   ONE WITH NO ANSWERS AFTER BEING ON THE PHONE FOR OVER 1HOUR. 

MY ISSUE IS THAT I AM TRYING TO REFINANCE MY HOME AND TAKE MY EX HUSBAND OFF OF MY MORTGAGE. THE ONLY THING HOLDING ME BACK AT THIS POINT IS 1 30DAY LATE PAYMENT TO NEIMANS FROM XX/XX/XXXX. THIS WAS AVERY STRESSFUL TIME FOR ME. MY DAUGHTER CAN BACK FROM XXXX AFTER THE HOLIDAYS AND HAD HER XXXX  XXXX XXXX XXXX. 3DAYS LATER SHE BECAME XXXX  XXXX  AND I HAD TO TAKE HER TO THE EMERGENCY ROOM. SHE HAD XXXX  XXXX  XXXX  SYMPTOMS INCLUDING XXXX  XXXX, XXXX  XXXX, AND XXXX. THIS WAS BEFORE WE KNEW A LOT ABOUT XXXX  XXXX  OR THAT IT WAS IN THE USA. BECAUSE I WORK IN XXXX I WAS AWARE THAT XXXX  AND MY XX/XX/XXXX XXXX  XXXX  FOR THE XXXX  IN XXXX. 

ALL I AM ASKING IS FOR THIS ONE MARK TO BE REMOVED SO THAT I CAN GO ON WITH MY LIFE AS A SINGLE MOM THAT HAS PUT XXXX  GREAT CHILDREN THROUGH COLLEGE SINGLE HANDEDLY AND AM NOW READY FOR MY NEXT CHAPTER.
Consumer complaint received 2020-12-14
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. (MI)

Years ago I had a XXXX credit card.XXXX went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a shop your way card from XXXX that showed up on my credit reports.I never signed up for a shop your way card through XXXX nor did i ask for my XXXX card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the shop your way card when they said it was denied.XXXX needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/2020 at XXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XXXX valid thru ... XXXX account closed on ... XXXX or XX/XX/2020
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived at this address. 

I would like for it to be removed from my credit bureau on Equifax and any other credit reports.
Consumer complaint received 2022-08-13
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.