davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IA)

( paid before it was due online ) XX/XX/2018-i paid {$50.00} to Discover ( I am XXXX and am having problems with my bills, so I got legal advice that said to pay them something and pay on time ) { also, they previously not only let me go over luimit, but apparently confused me about things including about what was owed and " we '' thought I also had a 18 deferred interest rate aswell-note : someone helped me apply for this card originally because they thougt the 5 % ,3 % etc onpurcahese would be a good thing And Help My Credit, but apparently those purchases got 'fudged ' and it was never clear what actually qualified } Then they kept trying to get me to get aloan with them even I wasn't paying it off, but paying what they asked ( which was harder and harder and it kept going up even before a year ) and there were purchase I didn't make, but didn't know how ot dispute. Anyway, i went to frreelegal help and they said to pay at least {$50.00}. 
( tried to pay before it was due as well ) XX/XX/2018-i tried to pay {$50.00}. They wouldn't let me and I saw that they said I not only didn't pay in XXXX, but that I was also late. ( which apparently causeing problems with my credit now ) I have never been late on this card, we even made pre payments in the months before due { .example :. I paid them in late XXXX on a bill due in XXXX. } so I kept trying to pay them and they wouldn't let me. Then they started putting up options-like pay this amount for 12 months at different %, etc. So even though {$130.00} was too high, it was best option, even if it wasn't. I had too not pay on another bill for home needs. 
Then I started getting emails that my credit score had been changed and that there was activity on it. Which others were trying to keep from happening. 
XX/XX/2018-i went on to try and pay the again and they said min due was almost {$400.00} and that I was still late, and it was keeping me from paying the ' {$130.00} payments they bullied me into paying in XXXX ' Some chat person came on and I told them I have never been late and thety started condescending me again and not answereing my questions again. I finally, just said, well I guess im niot paying you and I will be respoprting you to XXXX, etc and also that I guess ill have to have the Debt creditr people help me now. ALL I wanted was tio have beter credit and to just live and be a good American. They left me no choice. now I have tio have a debvt consolidation company come in ( I really don't even owe them most of what they say-most is interest and other'possible fraud ' of someone else. I need help, they has caused me XXXX XXXX XXXX, etc. They have made the Credit reporting people now destroy my credit.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services (MI)

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- -XXXX XXXX XXXX, on XX/XX/2023 -- -Mercedes-B, on XX/XX/2023 -- -XXXX XXXX, on XX/XX/2023
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX  did stand-by cash for XXXX and did auto pay with them payment wasn't due yet I paid in full before due date but they reported to eqiufax that I still had a outstanding balance of the XXXX that I owe 100 % and that XXXX was paid on the loan still in my credit report with credit bureau but on Bank state ment says paid in good standing they reported this to credit bureau before due date plus I had auto pay set -up was never taken out of my account so when they reported it before due date as not paid it dropped my credit score XXXX points tried fixing with everyone but getting nothing in compliance I have to wait now to get results I file dispute with credit company all I got was someone that verily could talk XXXX and couldn't understand they problems properly as this was Bank mistake not mine I'm writing this so it doesn't happen to someone else and I want it to change credit bureaus that don't care about your score or how much they decreased it.
Consumer complaint received 2022-05-05
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: Global Lending Services LLC (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

I rented a card in XXXX XXXX onXX/XX/XXXX toXX/XX/XXXX.
The rental card was foXXXX XXXX per week and we paid cash. They ask me for copy of the passport driver license and credit card to secured that I will return the car.
The car have break problems and returned 15 minutes later.
They did n't have a similar car and they gave me an upgrade for XXXX additionals.
To my surprise onXX/XX/XXXX i saw two credit card charges one for XXXX and another for XXXX. I call the Wells Fargo and told them that those charges were not authorized by me and hold payment until they investigate.
On Monday was another charge for XXXX and also told the bank that is fraud.
They are refusing the reverse those charges I ask them to contact the merchant and request an authorization from me and they are refusing.
The card number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act the XXXX XXXX ( XXXX ) Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX ) Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-14
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 ()

PayPal closed my account all of a sudden and they are not really willing to help me get it back. I assume that everything they did was a mistake but months had passed and I still didn't receive any help from them. The email linked to my paypal account is XXXX XXXX
Consumer complaint received 2019-07-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit acceptance! Repo my car after I told them that my checking account was overdrawn however they want me to pay a certain amount to get my car releases I never been late making car payments They are big scammers and have XXXX customer service attitude
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-05-05
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: WELLS FARGO & COMPANY (WI)

In accordance with the fair credit reporting act Amex/DSNB Account # XXXX, XXXX XXXX Account # XXXX and First Centennial/DOVEN account # 310146has violated my rights. 

1

5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as
late for any purpose.
Consumer complaint received 2022-05-05
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: FIRST CENTENNIAL MORTGAGE CORP (WI)

In accordance with the fair credit reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX and First CentennialXXXX account # XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion continues to report a collection agency and at this time it's XXXX XXXX. 
Prior to that, it was XXXX XXXX. I disputed it early in the year and it was removed by them but again just recently it popped back up on my credit report. I call them today and talked to a dispute specialist who said i can dispute it again ( really not comprehending the problem of different companies at different times placing this on my credit report with them ) which does no good. I'm tired of being hassled by some imaginary debt back in XXXX and them providing no assistance in understanding the true issue. Now, just yesterday I received a notice from another company called XXXX XXXX XXXX XXXX XXXX claiming I owe them and most likely report it to Transunion as well. The other two bureaus, XXXX and XXXX   don't report this random debt but Transunion doesn't care. I'm was in the middle of a refinance on my home when i was blindsided with this because it dropped my score by 8 points according to XXXX where I have a premium account to monitor such activity. 

Also, i pulled up and read the 2003 Fair Accurate Credit Transaction law and in section 611-15 section B, paragraph i-iii states that the credit bureau agency shall notify in the consumer of reinsertion not later than 5 business days after the reinsertion. I was never notified by Transunion, or XXXX XXXX, XXXX, XXXX, XXXX XXXX and everytime they make a report my credit score drops by 8-12 points. Please help so i don't have to get an attorney involved.
Consumer complaint received 2017-08-31
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: CITIBANK, N.A. (NY)

I applied and was approved for CitiBusiness AAdvantage Platinum Select credit card on XXXX XXXX XXXX. As the part of the new account, I was supposed to receive XXXX bonus miles after spending {$3000.00} in 3 months after account opening. 

Terms said that business does not qualify for bonus miles if a CitiBusiness AAdvantage account has been opened or closed in last 24 months. I have attached the screen shot of the application and its terms. I HAVE NOT opened or closed a CitiBusiness AAdvantage credit card in last 24 months but representatives that I spoke with over the phone and via email keep suggesting that I do n't qualify for the bonus because I have opened or closed CitiBusiness AAdvantage credit card in last 24 months. I have repeatedly told them that I have not opened and closed a business credit card in last 24 months. On my last phone call I spoke to the supervisor XXXX XXXX XXXX ) and she told me that I am not going to get the bonus for the CitiBusiness AAdvantage credit card because I recently opened a personal credit card. 

That is absolutely false advertising when terms of credit card clearly state that I can not have opened or closed a business credit card with no mention of personal card. Supervisor XXXX proceeded to tell me that I do n't know what the terms say but Citi does not issue bonus miles for Business Card if you have even opened a personal credit card. This is grossly unfair and fraudulent advertising of trying to falsely get consumer to open new accounts and then not honor the terms of the bonus even when consumer has done everything expected under the terms of account opening.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. XXXX  XXXX XXXX left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from XXXX admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. XXXXXXXX XXXX XXXX  has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they XXXX XXXX XXXX ) are now also reporting to my credit as a new foreclosure.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (FL)

On XX/XX/XXXX, Hurricane Irma damaged my town, in Southwest Florida. It resulted in me losing my job. I was unemployed a few months. I fell behind. They allowed me to do a repayment plan. They waited for 3 months after the disaster to report payment history on customers ( XX/XX/XXXX ). From that point forward they reported me late at 120+ days even though I was paying. My issue isn't that though! I was grateful for this assistance. My issue is that I am now paid up to date and they said they will not report it to the credit bureau because I am in a disaster zone. Well, that " benefit '' has been lifted for over 6 months now! They reported me badly all during those repayment months and now that I am completely up to date ( I have XX/XX/XXXX paid as well ),  they will not report me current. It shows I haven't paid since XXXX. The disaster excuse is completely an excuse and a lie. When I review the payment history on their website, they take my payments and put them in an " Unapplied Funds '' account. I keep asking that they to not do that, and to pay my mortgage. They claim they are considering it payment for mortgage. There is a major clerical error going on and it's not only hurting me, it's hurting my mother 's credit who co-signed for my mortgage. She is moving into a community that does credit checks. Her credit is in the 500 's because of this! Why are they punishing hurricane victims this way? I made no claims against my insurance policy. I never have! Not reporting on bad credit scenarios is one thing. But those hat are paying should not be punished this way! I am very concerned that if they have this many errors going on, I will likely be file lis pendens upon, and be in a foreclosure status soon.
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CO)

I had a phone call from XXXX XXXX asking for my date of birth, I did not respond and hung up. A day after, I received written notice from Mercantile Adjustment Bureau trying to collect a debt on behalf of XXXX XXXX. I do not owe any money to XXXX XXXX. I suspect fraud and/or identity theft.
Consumer complaint received 2023-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

My loans were transfered from Great Lakes Borrower Service to NelNet recently. Under GreatLakes my loans were placed into PAYE repayment plan on XX/XX/XXXX. The estimated payment was 0 . Around XXXX of this year, XXXX, I recieved a call from Great Lakes stating loan repayment would soon resume and that my estimated payment was still 0 , that I would need to update my income in XXXX. Upon transfer to NelNet the account now shows that half the loans are no longer under the PAYE program and are now reflecting a monthly payment of {$4700.00}. I am currently unemployed and my loans should still be on the PAYE plan and no changes were ever requested or authorized to this repayment schedule. 

I reached out through the NelNet email contact form on their website immediately in XXXX when the loans were transfered. I have never recieved a reply and now nelnet removed their email contact option making in impossible to contact them in writing.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

I contacted them when we first got the loan back in XXXX after we made a few payments. I told OneMain Financial why isnt our money we are paying not bringing our balance down. I told OneMain Financial that this isnt right you all didnt disclose this high interest rate in the loan disclosures neither did OneMain Financial send us loan disclosures of this high interest rate. I asked OneMain Financial to reduce our interest on our loan and they said they couldnt in XXXX.Our loan payment is {$780.00} a month and only about {$9.00} goes to principal. This isnt fair lending practices. We did get behind in XX/XX/XXXX on our loan and OneMain Financial began calling and harass my relatives telling them that they needed a payment for my husband and telling our information about our account at OneMain Financial. These lending practices and harassing calls from OneMain Financial is very unethical.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

{$2500.00} was scammed from me using Zelle. I contacted XXXX bank who failed to reimburse me because the withdrawals were approved by me. 

I was trying to sell an item on XXXX market place. Buyer supposedly sent the money with Zelle. I got an email from scammers telling me I had to create a merchant account by refunding the money to the buyer, I never saw the initial payment to me. Who I thought was customer service for Zelle kept telling me I needed to refund more money due to a problem get the account established and my bank not working properly. 

This happened XX/XX/XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.