davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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 ()

XX/XX/XXXX : My PayPal account was permanently suspended. 

XXXX, XXXX : After a three hour conversation with a supervisor at PayPal, they *did not divulge to me the reasons for their decision*. I was repeatedly told : " PayPal is under no obligation to tell you the reasons for their decision '' and " PayPal never makes mistakes. '' I was given no reason for the permanent suspension. And I have no idea why - I have not violated any of PayPal 's policies. 

XX/XX/XXXX : PayPal informs me they will be freezing my funds for 180 days. So, I can not use their service, nor can I withdraw my balance. Absolutely no reason has been given. 

XX/XX/XXXX : Complaint made with the XXXX XXXX XXXX After a few email exchanges, nothing was resolved and PayPal continued to withhold my funds. 

XX/XX/XXXX : I realize my account is still active. I no longer wish to be associated with PayPal. I attempt to close my account. I am unable to do so. 

XX/XX/XXXX : After a three hour conversation with PayPal, I am told they can not close my account. 

This means PayPal still has access to my bank account. 

They have suggested I change my bank account. 

I find this unacceptable. I do not wish to be associated in any way whatsoever with this irreputable company, nor do I wish for them to have access to my bank account. I do not trust this company at all.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MORTGAGE SOLUTIONS OF COLORADO (FL)

I attempted to dispute the error on my credit report with Mortgage solutions in XXXX XXXX after this dispute my credit report was altered to now show XX/XX/XXXX as a late payment. Below I have attached the previous credit report and a current credit report pulled today showing entirely different information made after my dispute. I also attached bank statements with the transaction for each month showing the payments being made on time to Mortgage solutions. 

XX/XX/XXXX and every payment back until XX/XX/XXXX was paid on time over the phone with Mortgage solutions financial via wire trans action for 6 months as shown in the bank statements.
Consumer complaint received 2020-12-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (TX)

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been CORRECT & VERIFIED?. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Im really worried that some of the information on my credit report on this account may be reported inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. 

It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on? 

Id like to see the following documents so that I can compare them to the information on my credit report. I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note
Consumer complaint received 2020-12-22
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. (GA)

Within the past month I noticed hard inquiries on my credit reports with the three main bureaus, Equifax,XX/XX/XXXX and XX/XX/XXXXwhich I have not authorized. 

In exercising my legal right under the Fair Credit Reporting Act, Section 609, to request information regarding said hard inquiries on my credit reports, I mailed details of each of the unauthorized hard inquiries to the respective credit bureaus. 

As per Sec. 609 of the FCRA, I am legally entitled to see the source of the information, which is the original contract that contains my signature. If the reporting agency is unable to verify the account with the original contract, containing my signature the unverified information must be immediately removed. 

Despite having been notified by me in mail with sufficient documentation substantiating my true identity, Equifax, XX/XX/XXXX and XX/XX/XXXX have all failed to remove the unverified information from my respective credit reports.
Consumer complaint received 2022-10-19
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

My mortgage loan was transferred from XXXX XXXX  to XXXX XXXX XXXX on XX/XX/XXXX while on a forbearance plan due to hardships associated with XXXX. Immediately upon receiving my loan, XXXX XXXX  and community loan servicing ( cls ) reported me 120+ days late. They did this for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon complaining, XXXX XXXX  corrected their error. But, CLS did not. I reached out to them and they said they had never done that and they send me a letter in XX/XX/XXXX confirming that. CLS loans were then transferred to XXXX, and as of today, I have tried to fix this issue but they cant resolve it because they say that XXXX must correct it not them. I have filed reports with the bureaus, I have escalated through XXXX, and they wont help either. This has created tremendous hardship because I cant refinance due to my credit being impacted by these 3 x 120+ Lates. Help!!!! Please. Someone needs to hold Community loan servicing and XXXX XXXX accountable to report credit accurately. Please help.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

The credit reporting agency is reporting me as deceased and I am unable to obtain credit. I sent a copy of my drivers license, social security card, bank statement and recent check stubs and the information has yet to be corrected. I made initial contact XXXX of 2020.
Consumer complaint received 2017-05-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On  XXXX   XXXX ,  2017, I rec eived a claim from  XXXX   XXXX   XXXX   XXXX  stating I owe a debt of {$7500.00} for the remaining balance of my Toyota payment. The letter states I will be sued if I do not make a full payment or a payment arrangement. I called numerous times and finally a week after I got the letter, got through with an employee at the firm to make a payment arrangement. They did not want to execpt my arrangement because they stated it was n't enough and belittled me and used disrespectful name calling to myself. I asked to speak to a superior and the gentleman stated he was the superior. The employees name was  XXXX   XXXX . He was highly disrespectful and told me that my arrangement of {$100.00} a month was n't good and wante d 10 times th e amount which I can not afford. I am willing to make an arrangement of {$100.00} a month because that is all I can afford. Then  XXXX   XXXX  told me to pay whatever I want and disconnected the phone on me. All I am trying to do is make my payment arrangement on m y Toyota acco unt so I can get this off my chest and not have to appear in court.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: OPORTUN FINANCIAL CORPORATION (NC)

XX/XX/2022 Oportun Credit Card/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX / ( XXXX ) XXXX To whom it may concern ; Hello. My name is XXXX XXXX. I am writing to lodge a formal complaint against the Oportun Credit Card issued by XXXX XXXX. 
I have been an approved member of the Oportun Credit Card for a number of months ; however, I still have yet to receive a Credit Card via the United States Postal Service mail. 

I have spoken with the outsourced Oportun Credit Card customer service center many times and have been told each time that a new card would be issued. 
I still do not have a credit card to use. 
I have filed numerous XXXX XXXX XXXX complaints as well, to no avail or response from Oportun. 
Since the opening of the credit account, Oportun has charged me {$29.00}, labeled as an annual fee. I believe this is a case of credit card issuer fraud. 

I am hoping that this complaint to XXXX XXXX  will be able to resolve my plight. 

I am a member of other XXXX XXXX  credit products- in good standing. So, it is very troublesome when I think of the piss-poor service that I have received from Oportun. 
I would recommend that XXXX XXXX  rethink their relationship with this card issuer, if they do not have the skillset to professionally operate their business to high consumer standards. 

I am demanding a fee-free expedited delivery of a credit card to my home address, to be delivered via XXXX or XXXX at once! 

I expect to hear from XXXX XXXX or Oportun via telephone call immediately upon receipt of this complaint. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I received an email offer to upgrade my credit card if I responded by as certain date. I complied with their procedures and submitted the upgrade request which was approved. As part of the promotional offer they were suppose to give a {$300.00} statement credit and an additional XXXX miles to my airline after I passed a purchase limit. 

When I did not receive the promotion offer I called in XXXX, XXXX  and asked what happened. They first indicted that they could not find the offer to me. When I was able to provide them reservation number provided they then told me that I did not comply with the requirements. I then asked to speak to a supervisor. When he returned the call he provided me the same information. He said he would submit it for review and if it was approved I would find out when the next statement came out for the credit and when I received my monthly miles statement from the airline. 

What really drove me crazy is when I was asked to submit documentation of my request they had a standard block on what you were writing about that included " not receiving promotional offer ''. 

As of this date nothing has happened.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Acct name Acct # n accordance with the Fair Credit Reporting Act XXXX  Account XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my profound disappointment and indignation at Equifax 's blatant disregard for legal compliance by rejecting my request to block inaccurate information and unauthorized transactions from my credit file. This blatant display of negligence and indifference toward consumer rights is entirely unacceptable. Equifax 's failure to take appropriate measures to rectify the inaccuracies in my credit file not only constitutes a violation of the law but also undermines the credibility of the credit reporting system.
Consumer complaint received 2019-03-24
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: Navient Solutions, LLC. (CA)

I find out that my information has been used fraudulent by a phone call the last call I received was on XX/XX/XXXX, I check my credit I had the issue before in XXXX, I dispute the fraudulent account, I did not received any money to go to school in XXXX, or XXXX, The Company Nanvient, ask me to send some papers with my identification, I been sending the same information, for 9 years now, They and XXXX refuse to remove it from my credit report, and is affecting me know, I have to move to another place the Landlord got so sick and has to sell the property, due to the negative of the student loan my score is low, I submit a request to XXXX with a police report, they refuse to delete it from my credit report, I submit the same request to XXXX and XXXX XXXX, they work well with me and help me to resolve the Issue, I been calling and sending proofs to XXXX  and Nanvient, but they refuse to remove those accounts from my credit. 
I request please for them to remove those student loans that I did not apply for or get any money from any one.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

Until recently, I was a customer of Chime ( Website : www.chime.com ), an online financial institution that offers checking and savings accounts. The deposits are routed through XXXXXX/XX/XXXX XXXX Routing Number XXXX ) and XX/XX/XXXX ( Routing number XXXX ). 

On Monday XX/XX/XXXX, I received an email from the bank, asking for my employer and source of income. Later that afternoon, I responded with the requested information. 

On Thursday XX/XX/XXXX, I received another email from them, stating that they need documents supporting my answer, to which I responded that I am not willing to provide because of privacy concerns. The email stated that if I refuse to respond, my account may be suspended or closed, so I asked for a way to close my account and transfer my balance. I did not get a response. At the time, the total of my deposits amounted to {$210000.00} Expecting the account to be closed, I started moving money to an external linked account. Chime only allows transferring up to {$10000.00} each business day. 

On Tuesday XX/XX/XXXX, my account was suspended without any further notice, and I currently have no way of accessing my money or any monthly statements. I have repeatedly sent them emails and as of now have not received a response. Furthermore, I have sent them the documents they were requesting in the first place, in hopes of just getting my money back. I have repeatedly called them, and I am always told to expect an email response, as the call center does not handle such complaints. I have not received any correspondence since XX/XX/XXXX despite also sending them multiple emails. Since suspending the account, they are in possession of the remaining balance, which amounts to {$170000.00}
Consumer complaint received 2022-05-13
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. (FL)

The Credit bureau Transunion stated my account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX were properly investigated but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. They dont seem to be practicing Metro 2 Compliance! This is a clear FCRA violation and is grounds for deletion. They also violated my rights under 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 Also, they were asked several times to provide the information below and failed to do so.

1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and collections ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to '' promptly DELETE all inaccurate information. ''
Consumer complaint received 2020-12-19
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: CITIBANK, N.A. (WI)

I made a purchase on XXXX on XX/XX/21 for {$280.00}. Because of covid I had to cancel and I was in a dispute with the host. XXXX and the host refused to refund that amount so I filed a credit card dispute, During the initial stages XXXX agreed to refund {$46.00}. These created some confusion because there ended up being 2 credits and 1 debit on my account for {$46.00} because I called to reduce the total dispute by {$46.00} because they voluntarily refunded that. After dozens of back and forth with both companies XXXX decided to refund that dispute on XX/XX/XXXX, This coincides with the time of Citi stating in my disputes that they resolved the case in my favor and were going to grant the payment of {$280.00}. But, with the reduction of {$46.00} it should have been {$230.00}. But instead of that they refunded two credits of {$20.00} and {$26.00}, if you do that math it is {$46.00}. This means, between the two {$46.00} credits I received {$93.00} back, which is number not related to anything with the dispute. So, with that said, Citi owes me {$280.00} - {$46.00} - {$46.00} = {$180.00} still. I have called Citi several times to inquire on this but all they do is say that they will send an audit to the team that made that error. Please send me {$180.00} via check or credit to my card.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My name is XXXX XXXX, on XX/XX/2022 I deposited a check in the amount of {$7900.00}, issued by XXXX XXXX XXXX to myself and XXXX XXXX. A few days later I attempted to use my debit card, but the transaction was declined. I called customer service and to my surprise I learned that my account had been frozen because the check I deposited hadnt been signed by XXXX XXXX. Ive spoken with several customer service agents via phone, Ive visited my local branch several times to get this matter resolved. XXXX XXXX XXXX cant stop payment on the because it has already cleared, Ive done a conference call with Capital One and XXXX XXXX XXXX, Capital One still refuses to provide a legal/ substitute copy of the check, so that XXXX XXXX  can sign off and the funds can be released. 

Ive spoke to XXXX XXXX  and the stated that it is a fairly simple process, they dont understand why Capital One is make this so difficult. 

I have been a loyal patron of Capital One bank for the last 18 years, and my hope is that one of you will assist me in this matter, and finally get it resolved. 

If you have any further questions free to contact me at XXXX. I look forward to working with you in resolving this matter.
Consumer complaint received 2019-10-10
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: EQUIFAX, INC. (IL)

I have reached out to XXXX several times to have this inaccurate inquiry removed from my Equifax credit report. i sent certified mail on XX/XX/XXXX, XXXX it has now been over 30 days and i still havent received a response
Consumer complaint received 2018-01-31
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: NCB Management Services Inc. (OK)

XXXX and XXXX a is reporting XXXX XXXX and NBC Management as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.