davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There are numerous inaccurate and unauthenticated items on my credit report. As a result I am suffering from XXXX XXXX XXXX XXXX. This is affecting my day to day life and I am struggling to be present with my kids because of this ; it is occupying my mind 24/7. Clearly the agencies are not concerned with the repercussions on their failure to ensure the accuracy of their reporting and now here I am being affected by their errors.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax is listing my XXXX Credit Card from XXXX XXXX as delinquent {$15.00}, which is incorrect - this is due to XXXX XXXX   error, they forgot to reverse the charge.
Consumer complaint received 2016-10-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (NY)

The financial institution I am dealing with, Citibank, has missapplied funds which I sent in a timely manner to pay this loan and I can not seem to get any help removing late charges I was charged due to their mistake. I have sent payment which was supposed to be credited to this account and was mistakenly credited to an old, closed account which Citibank could not transfer to the right account. As soon as I was made aware of their mistake I requested a refund and sent another payment which was credited correctly, however, there were 2 times this happened and I was charged late fees I would like refunded as I was at no fault in this matter. I have sent letters and made numerous calls without any luck.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 1681 Section 604 A Section 2 : It also states a customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2020-07-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I did back in XXXX apply for a payday loan with CheckSmart to help my mother with her medical bills back then. I was also working as a XXXX XXXX XXXX so I had the financial means to pay the loan back in which I did. I received a phone call from a guy named XXXX and his voice message he left me said that he had some information in his office about me that I wasnt aware of and for me to call the number he provided. When I called the number a young lady who would not give me her name answered the phone. She never said a business name when she answered the phone and neither did XXXX leave the business name In the voicemail. She told me what the call Was about and with a lot of forceful authority in her voice said why havent I paid the balance? I stated its been 13 years since I paid that off and the original building I went to for the loan isnt there and hasnt been there since XXXX. She was really smart mouthed and rude and when I called her on it, she said that she didnt have time for me to ask her questions and for me to have a good day and then hung up the phone.
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-08-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I on XX/XX/2019 I obtained a loan from check smart financial/Cash Central in the amount of XXXX which was credited to my checking account. I had requested that the loan repayment be extended to XX/XX/XXXX. I then contacted them on XXXX by phone and requested that they revoke all ACH and debit transactions to my checking account and that I would make other arrangements to pay back the loan. The representative informed me that she would place a temporary hold for ten days, but that I needed to submit a request in writing within those ten days to make the revocation permanent. She provided me with an email address to submit the request. On XX/XX/2019, I submitted a written request to stop all ACH and debit withdrawals from my checking account. However, on XX/XX/2019 the company debited my checking account for XXXX. I attempted to resolve the issue by contacting them, however, they refused to credit the money back to my account. I then contacted my bank, XXXX and they issued me a temporary credit for XXXX. However, on XX/XX/2019, XXXX back reversed the claim and charged me XXXX. I contacted the bank and they told me that payday lender presented a loan document stating that I owed the money. However, Im not disputing the loan, I disputing their right and ability to take funds from my account when I specifically requested in writing that they stop all ACH abs debits from my checking account. According to consumer finance : You have the right to stop a payday lender from taking automatic electronic payments from your account, even if you previously allowed them. You may have signed a payment authorization, which is sometimes called an ACH Authorization. This gives the payday lender the ability to debit your account when your payment is due. According to Consumer Finance I am well within my rights to request that they revoke payments and I took proper procedures to make the  request. I have a copy of the written request and a picture of my call log making the initial verbal request as proof. I have exhausted all other options and efforts ; and submitting a complaint is the only option I have at this point.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Filed and attempted multiple disputes on XX/XX/ hence no reply or action by company. I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give XXXX, Experian and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response XXXX, Experian and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information updated and corrected.
Consumer complaint received 2018-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/2017 Capital One Auto Finance -Inquiry XX/XX/2017 XXXX XXXX -Inquiry XX/XX/2017 XXXX XXXX XXXX -Inquiry XX/XX/2017 XXXX -Inquiry XX/XX/2017 XXXX XXXX  and XXXX -Inquiry XX/XX/2017 XXXX/XXXX  XXXX - Inquiry XX/XX/2017 XXXX  XXXX XXXX  -Inquiry XX/XX/2017 XXXX -Inquiry XX/XX/2017 XXXX  XXXX  XXXX XXXX
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (DC)

Our condo ( purchased in XX/XX/XXXX ) has had two tax bills due since the loan origination date. We have paid both tax bills ourselves since no tax payment was issued by Suntrust in XXXX to the District of Columbia tax authority. 

We made the first property tax payment ourselves in XX/XX/XXXX, after realizing Suntrust had failed to make that payment. Due to the payment being made late, we paid a penalty. However, a payment of {$2600.00} is indicated as being paid in our escrow statement in XX/XX/XXXX, and that amount was deducted from our escrow balance. A review of our condo 's real property tax payments in the DC tax database confirms that no payment of {$2600.00} was paid by Suntrust, nor was a tax amount that high due to the city. It appears that Suntrust made payment on the incorrect parcel. If you search our address, except use the " XXXX '' block modifier, you can see a payment of {$2600.00} applied on the date in question. We notified Suntrust of our complaint on XX/XX/XXXX. We were promised a resolution in ten calendar days. After that time, no follow up occurred. I made multiple phone calls seeking resolution and have consistently been told someone will call me tomorrow or the next day. No calls have been received to date, except the initial confirmation call on XX/XX/XXXX. WE submitted a Qualified Request on XX/XX/XXXX and have not received a response or confirmation of receipt. 

We are currently owed {$3600.00} by Suntrust This total is comprised of the false {$2600.00} charge allegedly submitted to the DC property tax authority in XX/XX/XXXX, which was clearly never paid pursuant to publicly available records, the {$130.00} in interest and penalty that we paid due to Suntrust 's failure to pay our second half XXXX tax bill, and the duplicate {$850.00} payment made in XX/XX/XXXX. 

This is just one of a long line of problems we have had throughout the lending process.
Consumer complaint received 2015-12-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (DC)

My account with XXXX XXXX is paid completely and closed XX/XX/XXXX. As a matter of fact, they sent me a check back for overpaid owed money {$600.00}. Yet some how the account was reported as charged off XX/XX/XXXX, despite that it is been paid and closed XX/XX/XXXX The account has been sold to XXXX different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and XXXX XXXX but got no where. I am attaching all document for your information.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I initiated a balance transfer on XX/XX/2019. I transferred {$1200.00} from my XXXX card to Capital One to bring down the Capital One balance. The money left XXXX and posted to my account on XX/XX/XXXX. The balance is still not posted to Capital One. I reached out to both companies several times, and Capital One said it was posted to an account that does not exist on XX/XX/XXXX. They got the correct number from XXXX while they were on the line with me. They have said this would be resolved in three to five business days. It has still not been resolved.
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX 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 1681 Section 604 A Section 2 : It also states a customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monarch Recovery Holdings, Inc. (NY)

I moved out of my apartment on XX/XX/XXXX. Responsibility for gas service ended on that date. XXXX XXXX sent me to collection for {$190.00} for XXXX XXXX. I wrote to Allied and sent a letter from XXXX XXXX where they took responsibility. I sent a letter on XX/XX/XXXX with the back-up and Allied did not respond and this month it appeared on my credit report.
Consumer complaint received 2020-07-31
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: DISCOVER BANK (FL)

I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.
Consumer complaint received 2024-02-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm asking the credit bureau to fix the negative status on these accounts. My husband handled the bills, but since his passing in 2019, I wasn't aware of the steps. Despite talking to the banks and them agreeing to update the status, the credit bureau verified the information. I've tried multiple times to dispute and get proof, but there's been no response, violating the FCRA. Please delete the late dates as they're unverifiable and causing distress after my husband 's death in 2019.
Consumer complaint received 2022-03-07
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 (WI)

My full name is XXXX XXXX XXXX Im from the United States PayPal permanently limited my account on XX/XX/2021, I never violated the acceptable use policy. 

PayPal arbitrarily debited my entire balance of {$11000.00} with the Transaction ID : XXXX Under the common law liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

Previously PayPal said I violated the bogus prefabricated Acceptable use policy, in accepting payments. 

1- PayPal allegations are false as they are not a partner with my business and they don't know the nature of my business. Copyright infringements and trademark violations stated by PayPal are nonexistent.

2- PayPal failed to provide a valid court order or a copyright/trademark infringement complaint to justify how they unlawfully seized my money. 
3- All disputes with my clients have been already resolved and the remaining balance was my hard earned money.

4- My business activities were allowed under the law, the service I provide is legal. There is no law that prohibit the service provided to my customers.

5- PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation.

6- PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reached ZERO! 
7- I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment.

I will be joining a class action lawsuit against PayPal, if this issue is not resolved promptly. 
I have tried to resolve this many times with PayPal and they always give me bot prefabricated responses.
Consumer complaint received 2020-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (NJ)

I opened up a XXXX XXXX  Account by XXXX and when I went to connect my PNC Virtual Wallet bank account to the XXXX XXXX Account, in order to add funds to the new account I was presented with an error. I was informed that PNC had made some recent changes that they are currently having connection issues with PNC Bank and that if I try to connect I will unlikely to succeed. This now prevents connecting my account with certain accounts, which apparently the XXXX XXXX account by XXXX being one. I believe this is absoIutely rediculous that I am unable to connect MY PNC Virtual Wallet account with a trusted XXXX XXXX account by XXXX and be unable to utilize this service now. This is now preventing me from getting up to 30 % off XXXX product purchases if I was able to add funds to use my account. I am extremely displeased with this inconvenience!
Consumer complaint received 2023-01-05
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. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-21
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. (DE)

Account XXXX XXXX XXXX XXXX XXXX Account number XX/XX/XXXX Date Opened Collection account. {$1500.00} past due as of XX/XX/XXXX. 

I have disputed this several times, however, Experian keeps allowing it to stay, but has never once shown me any proof that i am responsible for this account. I have had state medical coverage for years. I should in no way be held responsible for this balance when state insurance covers anything! What i also don't remember is even going to the hospital around this time. That's what information i have requested. Proof that Experian obtained anything signed by me, from this creditor. It's been almost a year and still no proof. This needs to be removed from my credit asap!
Consumer complaint received 2015-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robinson, Reagan and Young PLLC (CO)

Promised to completely remove debt collection record if debt was not valid. Did not remove automatically as promised. Cited computer coding error from XXXX. Would not apologize. Said they did nothing wrong. 

Debt was sent to them for collection from XXXX. Called to tell them that it was already paid. They reported to credit bureau before I sent proof. They promised to remove completely if debt had been paid. Checked my credit report said and XXXX bureau had marked as closed and XXXX showed a zero balance. Called today to complain and they blamed XXXX. Would not apologize nor send me a letter that debt had been satisfied. 

If I had not called, it would still appear on my report.
Consumer complaint received 2022-03-07
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. (FL)

MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.
Consumer complaint received 2022-03-07
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. (FL)

MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

The XXXX  time my debit card has been declined and I have money in my account. USAA continues to put unwanted and unauthorized restrictions on my account. This is the XXXX time. The XXXX  time it was a deposit only restriction, now USAA put a credit only on my debit card. I did not authorize this, again. Please help.