davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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)

The beginning of XXXX my new balanced and a current status was marked on my XXXX Credit Report and XXXX as current and paid. On TransUnion my balance was updated and not my status. This has left me in a derogatory status on TransUnion and if not corrected will lead to my whole family being homeless. We have a chance for a home when that one remark is removed off of TransUnion as missed payment and currently late with an updated balance of XXXX from XXXX
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

Tried to contact them about issues they dont care still saying pay and this isnt my bill! Fraudulent activitys also the price goes up every day with this company! Every time I call they add more to that account! Why they wont free my name? Let me go! The company has no rights to charges through fraudulent activities! The customer service keeps calling saying bad things not caring to anything I say! Very mean and not professional about there business! They just trying to XXXX who they can! Online activities thats pushed through fraudulent activities they should be sued
Consumer complaint received 2019-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

A Capital One 360 checking account was opened as a result of a data breach, opened sometime in XX/XX/XXXX, closed by Capital One in XX/XX/XXXX. I learned of the account after receiving information in the mail showing account was opened in my name. The account was closed sometime in XX/XX/XXXX, a close out check for funds totaling XXXX was not received. The initial check sent to me on XX/XX/XXXX had a stop payment placed on it, which was premature by one or more Capital One reps. A second check was sent via XXXX, I received an email notification from XXXX showing a 2nd day air package sent to me from Capital One. I was in XXXX XXXX at the time and was not at home to receive, sign it, cash it. I left for vacation on XX/XX/XXXX, was in XXXX XXXX until XXXX. When I arrived home on XX/XX/XXXX, the package was nowhere to be found. A XXXX with Capital One leadership team informed me another party had intercepted the check, signed and cashed it. He had a copy of the check mailed to me, the signature on it is not mine, cashed at a XXXX XXXX XXXX  which I do not have an account at. I've provided this information to numerous Capital One reps, none of whom will acknowledge it or even look into. I've shown a copy of my itinerary from XXXX, as well as a statement from front desk personnel showing I was checked in XXXX XXXX at time of check delivery/cashing. Further, I provided a statement from XXXX XXXX, who was my driver to XXXX XXXX in XXXX, MA. I also provided an accounting from XXXX showing there was no funds transfer to my account for said amount, XXXX. The last Capital One management team member, XXXX, stated it appears the check was cashed in my name by someone else and it should be reissued. Capital One Executive Office does not agree and or sees it differently than their own manager, refuses to look into lost funds I am owed.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Navient Solutions, LLC. (OK)

Navient Student loan company stated, They were taking over my student loans and was funded by Department of education, which is a complete utterly lie! Now this had devastate my credit score. Also I have paid thousands of dollars into a company that doesnt exist!
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

The law requires Equifax to provide a feature to place/lift security freezes on credit reports. 

I have created an account on myEquifax.com as required by the company, but the feature to place/lift a security freeze is not working. 

I have contacted the company dozens of time. They spend weeks/months to investigate and close the complaint simply stating the status of security freezes on my account. They do not address the problem, of being unable to CHANGE THIS STATUS online. They have been aware of this problem for nearly six months.
Consumer complaint received 2021-11-16
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. (DE)

This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with the credit repair process. The personal information about the different addresses being linked to my profile is erroneous. Please supply any documents or papers that show that I have lived to these specific addresses mentioned. 
XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

Toyota Financial Services repeatedly continues to report to credit bureaus that my account is delinquent, at present 6 payments, 30-59 days late. I may have been a few days late on a payment occasionally buy never, never 30 days late. The situation has been corrected by Toyota, my account has been monitored by them to assure this falso reporting will not happen again but repeatedly it does. XX/XX/2020 I received a letter from Toyota stating that corrections were made in their system again and reported to all credit bureaus, by XX/XX/XXXX, the correction showed on my credit reports. XX/XX/XXXX, I was notified by XXXX XXXX thru an email that Toyota was reporting me with 6 months of payments 30-59 days late. I have gone round and round with Toyota and XXXX XXXX, both say it is the others fault. I have filed dispute after dispute and they are settled and corrected only to resurface again. I need help and I am at a loss as to what to do. Help please!
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated (SC)

Called sovereign mortgage company. They did a hard credit report without my XXXX. I was just asking about rates and closing costs. Talked to XXXX XXXX and XXXX XXXX. They were supposed to send a transcript of the cal 2 weeks ago. We have called back 5 times with no return call. We want the hard credit strike removed.
Consumer complaint received 2020-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019, Paypal sent me an email informing me that my account has been permanently limited and that I can no longer do business with Paypal because Paypal had detected activity that violates Paypal 's buyer protection policies. After researching the matter, I discovered that I had in no way violated Paypal 's buyer protection policies and that it was not possible for me to have violated Paypal 's buyer protection policies because I never had any transaction dispute claims filed for any of my transactions. I immediately tried to notify Paypal about this matter over the phone, and was shocked by the tone-deaf response of Paypal customer service whom insisted that the decision was final and could not be overturned despite the fact that their accusation was false and could be easily be proven false with a review of my account 's transaction history. Due to Paypal 's unwillingness to address the problem and acknowledge their error for permanently limiting my account I filed a complaint with the XXXX XXXX XXXX to hopefully get an amicable and viable resolution. In my complaint I specifically addressed the reason for Paypal 's decision to permanently limit my account, and disputed their claim that I had violated Paypal 's buyer protection policies. The response I received from Paypal for my complaint was outrageous, due to the fact that Paypal failed to address the nature of my complaint by refusing to acknowledge that they made an error in accusing me of violating policies that I clearly did not. Furthermore, Paypal 's response to my complaint took things one step further in the wrong direction by falsely accusing me of having multiple accounts and sending money to myself. Paypal claimed that the accounts I have been transacting with share the same name, address and social security number. Becoming very concerned about these new accusations, I contacted Paypal to get more information about these other accounts with my name, address and social security number, because I only know of having one account with Paypal. It was eventually disclosed over the phone that Paypal had falsely assumed an account that belongs to my brother was mine. I explained to Paypal that my brother and I have different names, addresses and social security numbers which the representative confirmed. In my last phone conversation with Paypal, the Paypal representative also admitted that I did not violate Paypal 's buy protection policies after a review of my account history but refused to overturn the decision to permanently limit my account. Despite the all the evidence that is available to Paypal, Paypal refuses to acknowledge its error in taking such adverse action against my account for false reasons. It is despicable that Paypal would refuse to restore my account when it is evident that Paypal has not performed its due diligence which resulted in falsely accusing me of things that are untrue and ultimately banning me for life.
Consumer complaint received 2020-02-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (GA)

We paid our mortgage in full on XX/XX/2019. GA statute 44-14-3, Guild is liable to us for failure to Cancel the security deed within 60 days of full payment. As of XX/XX/2019, Guild mortgage had not provided us with copy of security deed cancellation, so I proceeded to send them a demand letter requesting {$500.00} as provided by the same state law.

Guild mortgage refuses to acknowledge and to execute GA law citing that because Guild sent to the clerk on day 58 of 60, they are in compliance with state law. I keep insisting that the 60 days was all the time Guild have to provided to grantor ( us ) with a cancellation of the debt after full payment of the mortgage. 

Your prompt assistance is appreciated!
Consumer complaint received 2021-11-16
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. (NC)

I recently received letters from XXXX XXXX requesting Experian to removed 2 fraudulent accounts from my credit file. When i try to speak to someone at experian the line keeps looping around in circles and i cant get anyone on the phone no matter how many times i try or i call or follow phone prompt instructions. it just keeps going in circle and sometimes the line drops. 

XXXX XXXX sent me 2 letters and i attached it to this dispute to have those fraudulent accounts removed from my credit profile.
Consumer complaint received 2021-11-16
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/22 I left a deposit with a furniture company in XXXX I filed a dispute when I had not received the items and the merchant was asking me to pay the balance in cash. Instead of siding with me the customer, they sided with the merchant who still has not delivered the goods. So now the merchant can sell the items and make more money off them. I am stuck left to pay {$1000.00}
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO. (CA)

I am requesting your help with this matter since I do not know what else to do to resolve an unfair issue with my credit. I have been a victim of fraud and had fraud charges on my account. I did not benefit or have any knowledge of these charges. I tried to solve this issue with Ford Motor Credit by sending a letter ( XX/XX/XXXX ) requesting this FRAUDULENT ITEM to be removed. 

They did not investigate nor respond and also did Not even mark the account on my Credit Report as disputed. This is a violation according to the FCRA. This has caused lot of inconveniences. Please help me get my credit freedom back. I am requesting the following company to remove this fraudulent item from my credit report and also a DELETION LETTER. I will not hesitate taking this case to court if they do not remove this negative mark. 

COMPANY : FORD MOTOR COMPANY Account # : XXXX. 
Date Opened : XX/XX/XXXX. 
Balance {$0.00}. Closed.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (MS)

I have been reaching out to Advanced Resolution Services since XX/XX/2021 requesting a copy of my ARS consumer REPORT. I have yet to receive a report from the company. I have attached another request today with my personal information as well as my signature to request a copy of my ARS consumer REPORT.
Consumer complaint received 2022-10-11
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. (GA)

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. 

per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These accounts XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) 168i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation.

No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? its been way over 30 days and still no results on any investigation Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. 

I thought a cra had 30 days to complete a full investigation please detail me on why the law has been violated?
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named XXXX. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I am writing to follow up on the complaint I filed with your respective organization on XXXX XXXX XXXX concerning a fraudulent incident involving Navy Federal Credit Union as my trusted financial institution, where the fraudulent transactions initially came from before being ultimately received by the scammers. I have also attached my first letter. Unfortunately, Navy Federal Credit Unions response remains unsatisfactory, as they never acknowledged nor responded to my complaint despite the urgent attention it needed and the gravity of the situation.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (MI)

Greetings. I'm writing this letter to dispute and remove some items from my credit report that is NOT permissable by law, and also was shared WITHOUT my written consent. Listed below are some of the items. 
ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- U.S. DEPARTMENT OF EDUCATION ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT NUMBER- XXXX DATE XXXX ACCOUNT NAME- XXXX  XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX XXXX XXXX XX/XX/XXXX ACCOUNT XXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX First and foremost, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, EXQUIFAX, and XXXX, written consent to furnish this information, that would indeed be identity theft. As of the student loans, 15 U.S.C 6802 such financial institution clearly and conspicuously discloses to the consumer, in written form or other form permitted by the regulations prescribed under section 6804 of this title, that such third party. I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I Submit through the mail to XXXX  XXXX  and Trans Union Deletions to credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless
Consumer complaint received 2019-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC (CA)

I was contacted by Glass Mountain Capital about owing a debt on XX/XX/2019. The representative told me about a debt that I was unaware of and needed more documentation. Therefore, I asked for written verification of the debt to be mailed to me as soon as possible. The manager on duty, emailed me some documents, which I was not able to see, so I replied twice for them to be re-sent, with no reply from the representative or collection agency. XX/XX/2019 was the last time I heard from the collection agency ; no phone call or written verification of debt. Under federal law, a collection agency has 5 days to send the verification to the consumer ; however, it wasn't until XX/XX/2019, that the company under its subsidiary name " XXXX '', mailed verification and it was not until XX/XX/2019 that I received written document. Clearly, the time frame is more than five business days and negligence on the part of the company to verify the debt in a lawful and timely manner for the consumer.
Consumer complaint received 2020-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (ID)

On XX/XX/2020, I sent via PayPal, {$10.00} to a friend. ( Both of us are residents and currently located in Idaho, U.S. ) While / previous to sending the money, Paypal asked " Whats this payment for? Sending to a friend or Paying for an item or service? '' I opted for " Sending to a friend - No fee to use your bank to send to friends and family in the U.S '' and used my bank / debit card. Contrary to what I thought would be " No Fee '', I was charged {$.00} On my friends end, I'm not sure what the problem was. She said PayPal required a higher balance or fees or something for her to get the money. She declined and sent the money back to me via payPal.

Now Paypal wants more money from me to get my money back ( back onto my bank card ). Again, contrary to the " no fee '' that it stated for the return if I wait a few days, there would be more charges.

After talking / complaining ( via paypal website messaging ) with Paypal, no resolution.

I then refuted the charges ( original {$10.00} ) with my bank ( on a three-way phone call with paypal and my bank ). PaypaI then explained I could access my money if I entered my checking account number and routing number. I went to do that online ( while we were still on phone ) but Paypal wanted my password to my bank account. Not!

I want my {$10.00} back. ( And someone should XXXX them! )