davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/XXXX, a friend wanted to send me {$180.00} via VENMO, I had just set up an account roughly a day or so before that, I followed the steps per the app, listing my card information. However, after the money showed up in my " Wallet '' I was unable to transfer to my card. I called my cardholder they had no idea what could be the problem, but suggested I do it as a bank transfer. So I added the bank routing information and the account number and was told I would see two transfers on XX/XX/XXXX. On XX/XX/XXXX two pending items showed for XXXX amounts, I tried entering those amounts but the system wouldn't take them. I tried requesting help, ultimately I called. Finally, on XX/XX/XXXX a XXXX and a XXXX transfer occurred I went back into the system and verified my bank account. I received an email XX/XX/XXXX, that confirmed my bank verification. I again attempted to transfer my funds only to then receive a request dated that day for a Photo ID, along with a statement the account was frozen. I followed the email instructions on the very next day, Monday XX/XX/XXXX, I then called to make sure allowing for time to confirm, that the did in fact receive it, as they use a link service to have you send it. I was told nope, I would need to resend. So I again resent my id, only this time I screenshot the link page verifying they received the communication. Now mind you I was told my case was being expedited previously. I called back on the XXXX, and was told to give it 6-7 days for the " account specialist '' to review. I received a request for Customer Service Surveys, which I filled out honestly, a statement of activity for a timeframe prior to my account existing, I logged in a few times to see if it was resolved to no avail. On XX/XX/XXXX I once again called to be told to " give it one more day '', I asked several questions as to exactly what happens if nothing happens, which basically is what Venmo 's Customer Service is a glorified can't do much dept. And then bang at XXXX on the XXXX ( XXXX minutes after you can no longer call ) I received and email stating my account has been permanently terminated for reasons only they know, because I somehow violated the user agreement, thank you XXXX XXXX No here is how to request your funds, here is what to do NOTHING! I only found this by locating a TV station that had tried to help others in my situation. I have all my emails and screenshots, I live on social security as I am a XXXX old, retired XXXX ( I have XXXX as well as XXXX, and other health complications ) person living on minimal income the funds in question represent 10 % of my monthly income, I would appreciate help in resolving this matter... I can be reached at XXXX. Thanking you in advance
Consumer complaint received 2019-06-28
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. (FL)

There exist an undocumented and supported public record on my credit report in regards to a federal bankruptcy. I am submitting documentation to support the credit bureaus are fraudulently and falsely stating they have verified the source of the information from the federal bankruptcy courts, which is a " false statement! '' The attached communication from the United States Federal Bankruptcy Court of the XXXX   District of Florida to the XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) clearly states the court does not provide information to the credit bureaus to include Equifax, XXXX and XXXX. 
Also, these companies are using a practice that targets XXXX XXXX to the extent there exist a less of standard to verify credit dispute issues. In this matter there is no verification from any creditor or business there exist a debt associated with a federal bankruptcy. As well as there does not exist a verification through the use of my SOCIAL SECURITY NUMBER from the source of the public record. 
I am attaching documentation that reveals the falsehoods of these three credit companies.
Consumer complaint received 2018-04-27
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a car loan with Bank of America that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (CA)

I reviewed my credit reports from Experian, XXXX and XXXX and noticed that the reports have credit inquiries that I did not authorize. ( Provide details about every inquiry including the date and the name of the company. Mention why you believe the inquiry is incorrect ). 

I did not make the following inquiries and I believe that these inquiries are fraudulent because I did not have access to telephone, internet, a computer or a smartphone during these dates : 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 I request you to investigate and remove the inquiries as soon as possible. I will be applying for an auto loan through my credit union. I may not be able to gain transportation because my credit score does not display my accurate credit standing. In case you come across data that doesnt align with my complaint, I request you to please send me the information. 

Thank you for your diligence in looking into this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-18
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: Affirm Holdings, Inc (IL)

I opened an account with affirm in XX/XX/2022 since then I had on-time payments that could have greatly improved my credit however instead of the latter affirm only reported to XXXX and only when I was late on XXXXXXXX XXXX payment but they did not have any positive information posted before or after and they refused to update my account on XXXX website they told me every XXXX  days that was XX/XX/XXXX when I spoke to someone my credit report is now missing XXXX and XXXX payments and they refuse to update or follow up with me about this matter
Consumer complaint received 2021-04-18
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-22
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. (NY)

After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me.
Consumer complaint received 2023-08-15
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. (TX)

Experian needs to remove any late payments associated with XXXX XXXX XXXX XXXXXXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B, and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A Financial al institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide proof that XXXX XXXX is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

XX/XX/XXXX I contacted XXXX  to dispute the dates on collection account. They replied XX/XX/XXXX, after 30 days and stated they meet FCRA requirements. I contacted XXXX on XX/XX/XXXX, and the representative stated " I don't have verification of your account the collection agency and send us proof ''. He stated they got my information from National Credit Adjusters. He also stated, XXXX is not violating my rights by not showing me validated proof of the account. The XXXX representative refused to remove the account.
Consumer complaint received 2021-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical & Professional Collection Services, Inc. NC. (IN)

on XXXX of XXXX contact them about the debt they say I owe them and the original creditor had a very small balance than this company say I owe them. They have use this to hurt my credit. They would not even accept a pay for deletion to remove the from my credit file. This debt was in XXXX reported.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

To whom it may concern : I initiated a refinance with TD Bank on XXXX XXXX, 2020, with a 30-day closing. It has been 90 days, and my closing has been postponed 8 times, loan team is unresponsive to my attempts to reach them, and fails to share vital information. All requested documentation has been provided on my end within 2-3 hours of request, and failure to process the documentation in a timely manner rests solely with TD. I am supposed to be closing today, and no one has been in touch to provide information on said closing, nor to inform me of a further delay in the process. 

Thank you!
Consumer complaint received 2019-03-09
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. (MI)

I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft report.
Consumer complaint received 2021-10-18
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB:XX/XX/XXXX SSN:XXXX XXXX I have some unknown addresses and several misspellings of my name that need to be removed at once. The following names are not mine please delete them : XXXX XXXX, XXXX XXXX, XXXX SHABAYY, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PLEASE DELETE THE UNKNOWN SS XXXX. I have been dealing with this issue for a while and I need is to be resolved asap!
Consumer complaint received 2018-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (CA)

I applied for a loan on XX/XX/XXXX. I was told that I was pre-approved for a loan of {$10000.00} & I just need to upload the necessary documents.. I uploaded paystubs, bank statements, give 3 way party verification to another party so they can verify this information which they did. On Wednesday, I was called and asked if I could provide 2 additional paystubs, which I did. Then I was asked if could upload 2 months bank statements which I did on XX/XX/18, I never got word again. I went online to the site on XX/XX/18 and it said my application was closed out. I called and said I never received any information on my loan application after I gave all my personal information. They said they emailed me, but I never received an email from them. The would not tell me why it was declined. I work in lending, & this is not how you " Adverse Action '' a customer. Now what I want to know, after giving them all the information that they requested in the form of paystubs from my employer ( which is direct deposit, bank statements with XXXX & 3rd party verification, along with Social Security # & other personal information, how did they come to this determination. Why are the collecting this data in the first place if they are going to decline a customer. 3rd ) What are the reasons. 1 ) It can't be credit & 2 ) It can't be income & 3 ) It cant be  documentation. So what kind of scam is this company running. I want answers
Consumer complaint received 2021-04-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the accuracy of an account balance with XXXX/XXXX. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on XXXX, XXXX and Transunion reports. 
Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments. 

Furthermore the creditor reports " XXXX '' CHARGE-OFFS on XXXX  and Transunion. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account immediately.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OR)

Discover Financial Services LLC incorrectly reported my credit card as being 30+ days late in the month of XX/XX/2021. Their own records reflect that I made 2 payments in XX/XX/2021 ( One of which was the XXXX payment ), a payment on XX/XX/XXXX, and another payment on XX/XX/XXXX. I have repeatedly notified Discover Financial Services LLC who admits the information is incorrect, but repeatedly reports that they will not willingly remove the information from my credit report. They have been given over 60 days to correct the issue but willfully refuse to remove their fraudulent reporting, despite several communications from their agents admitting this was done in error. I have requested multiple times that I be contacted by a manager or supervisor and they again refuse to do so. They are well aware of the problem, but refuse to rectify it. I have attached a copy of a communication from Discover 's agent admitting my account was never late. I have also attached a copy of a screen shot of Discover 's website proving my payments were made frequently and on time.
Consumer complaint received 2023-07-25
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. (PA)

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 2022-12-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MS)

I set up an autopay arrangement on Ally 's website but not one payment was drafted and after 4 months I checked and the account had been charged off. I called to ask what happened and why has no payment been drafted and I was told that my account is charged off and there is nothing I can do to get it back. This is WRONG and I want my account reinstated so that I can finish paying my car off.
Consumer complaint received 2020-11-11
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: Santander Consumer USA Holdings Inc. (SC)

I provided all the proof needed to show Santander Consumer USA was chasing me for a debt from the fraudster who used my social security number for years until my wife passed away back in 2018. I contacted this company and they told me they were denying my claim, even with a stamped certified, notarized police report that this was NOT me, and I was a victim. This company lied its XXXX off in reply to my other complaint. I am including that letter of lies from them, and a shot of the account on MY CREDIT FILE, even though the fraudster had a different name, state, and address than me. Plus different work info. This company lies and placed that account back into my file after I gave this company my correct information. That is ILLEGAL. Taking my info after my ID THEFT claim, and putting it into the FRAUDULENT account. Stop them, demand this company to remove that fraud account from my SOCIAL SECURITY number innediately.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I requested a credit increase on the XX/XX/2019. My account with capitol one is in excellent standing I pay my monthly bills and do not go above my credit limit. 
I felt discriminated when I received a letter from capitol one day my application was rejected and unable to give credit increase
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MS)

I have an account with XXXX XXXX during the time after I would make arrangements I would still get calls from someone else that had no idea what the arrangements were this continued or they would change the amount I would pay and my account would default. I assume that they had so many people handling a lot of accounts and really did not know who was in charge in one week I have 7 different representatives contact me with 7 different terms and one rep did not know what the other rep was doing which is really sad. So I finally got one person this I thought well I signed a contract where my debt was {$1500.00} less and we settled for {$4500.00} with payments of {$180.00} per month. I did not hear from them after this so I thought this was the end of that well. I did not sign something and had to redo the contract so hopefully the {$180.00} would come out. Well that did not happen and I ended up being contacted by I.C. Systems Inc saying I owe {$5900.00}