davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

On XX/XX/2023, I reached out to a person on XXXX who goes by the username XXXX to get concert tickets, as they made a post that they were selling tickets to see the XXXX XXXX at XXXX XXXX XXXX on XX/XX/2023. I reached out to them to inquire more. I told them that I was wary of scammers selling tickets, and after assuring me they werent a scammer, they even stated that I can only pay half and then after they send the tickets I can pay the remaining amount in good faith. I was fooled by the human-like interaction I was having, and ended up sending half the payment, {$180.00}, through XXXX. The XXXX account is XXXX. The scammer kept alleging they didnt receive the money, yet it was already taken out of my account so I told them I wasnt sending anymore. After I realized I wasnt getting the tickets I paid for, I told them to refund me my money. They ended up blocking me and putting the scam back up on XXXX after I looked from a different account. They ended up getting suspended on XXXX and the next day, I reached out to my bank, XXXX  XXXX XXXX, to see what I could do to get my funds back. A couple of weeks ago, XXXX  XXXX XXXX stated that they reached out to the bank that the scammer used, CitiBank, to get the funds back and CitiBank refused to cooperate. I filed a complaint against XXXX already, and they did not give me the response I was looking for. I am a college student who has a lack of funds as is, and the money sent for the concert was from my savings and put me into a depression. Therefore, I am now filing a complaint against CitiBank for the {$180.00} dollars I sent to the scammer through XXXX.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

Over the last 6 years i have paid accessed over 2000 dollars in late fees. These fees should be waived. They are also in the middle of a class action lawsuit that was awarded for these types of loans and fees. Please see attached documents.
Consumer complaint received 2021-03-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CURO Intermediate Holdings (TX)

Speedy cash approve me for a loan of XXXX $ on XX/XX/2021. Received my money in my checking account I then received an email this morning XX/XX/2021 saying I was approved for XXXX. It had speedy cash logo they said they were approved by the XXXX, cfpd, and the Fdi. I decided to give speedy cash a call to see if this was legit they said this was 100 % fraud. They have a completely different number than that of speedy cash I have documented proof of all of this and I wouldnt want anyone to fall for this scam. I also sent all the proof to the real speedy cash company.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Advanced Collection Bureau, Inc. (IN)

I have disputed this debt on three different occasions with this company. This company is illegally reporting this account as an open balance, even though they have that it is included in my bankruptcy and nothing is owed. This is affecting the number of accounts I have in collections which is false information because there is nothing to collect on this. I have filed direct disputes with the company. This is illegal. They are reporting a debt as open that there is no way I can resolve as there is no amount of money owed.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No   XXXX   as the creditor account # on this collection notice from Credence and their reference no is   XXXX   I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.
Consumer complaint received 2018-07-12
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I have spoke to XXXX  about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX   as well. The inquiries that need to be removed are the 5 XXXX XXXX XXXX inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from OneMain on : XX/XX/XXXX 1 inquiry from XXXX on XX/XX/XXXX 1 inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.
Consumer complaint received 2022-04-05
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. (NC)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-09-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Hello I applied for a Mortgage loan with Navy Federal Credit Union. I qualified with credit but they stated that I have excessive high balances which denied me. I have 2 XXXX XXXX Cards at {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. My XXXX account was paid off two months ago. I have a XXXX XXXXXXXX XXXX credit card with a {$0.00} balance. I have a Navy Federal Credit card and I charged {$4700.00} from XX/XX/XXXX - XX/XX/XXXX and as of XX/XX/XXXX I have a {$2000.00} balance. Outside of that I have 2 auto loans that has a {$6600.00} balance and {$9900.00} and I have paid a total of {$48000.00} total between those loans since XX/XX/XXXX. I think that I have proven that I am economically viable and an excellent creditor. I am not sure what they are seeing but I do not carry balance on my cards and they only reason I am carrying a balance with the Navy Federal Credit Union credit card is because I am trying to build a relationship with them. They have access to my accounts and see weekly to bi-weekly deposits being made with no MISC spending habits. I would like for my application to be reviewed and my credit to be properly considered for the loan or prove to me where my excessive balances are that you use to deny me. If you look at all the supporting pictures even the {$230.00} balance that was just charged for XXXX has been paid just has yet to reflect to the account because it was done XX/XX/XXXX
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (MD)

After I complained about Pay pal the month of XXXX charging me all these late fees after I sent payment. I received an email that my account was suspended from Paypal. As I look at my account Pay pal did not but how much I owe for the month of XXXX either nor did they send me a bill. 

I received the first bill from Pay pal credit XX/XX/2020 that I owe XXXX for the month of XXXX XXXX. Then I looked in my account on the internet and found that they put as if I missed a payment on XX/XX/2020 for {$91.00}. 

Pay pal is conducting fraud and then charging extra fees to enrich themselves. I want to file a fraud complaint against them as they are misleading me that I didn't owe anything for XX/XX/2020 and malicious intended to suspend my account in XXXX and don't put I owe anything and later implement late payments. In addition, never sent a bill and I received the 1st bill ever on XX/XX/2020.
Consumer complaint received 2021-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

I filed a complaint against Speedy Cash on XX/XX/XXXX to CFPB regarding a failed debt validation from Speedy under complaint # XXXX and a company in which they sold an erroneous debt to, AD Astra Recovery Services. Speedy responded back stating that I took out a loan ONLINE and that the payments were missed. I have asked several times for Speedy Cash and AD Astra to validate this debt according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), and they HAVE NOT done so. This account is fraudulent. I have asked that your company and AD Astra provide me with copies of any papers that show I agreed to pay what you say I owe ; prove the Statute of Limitations has not expired on this account ; AD Astra needs to provide proof that they are licensed to collect in the state of Texas, and to provide me with the license number ( s ) and Registered Agent or Agent of Service. NONE OF THESE ACTIONS WERE COMPLETED WITHIN THE TIME ALLOTTED. Also, within Speedy 's response under complaint # XXXX, they stated that a loan was taken out in XXXX of XXXX and that they tried to contact me in XXXX and XXXX of XXXX, which is absolutely false. Due to this erroneous reporting to the Credit Bureaus, a highly negative impact on my personal credit report has caused me financial harm and damage.
Consumer complaint received 2020-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

For months, I have been having issues with PNC about connecting my account to third party apps. PNC have prevented me from being able to link my accounts and I am sick of it. This needs to be corrected or I have no choice but to leave and go someone else. I understand that they are trying to protect our accounts but if we are given the option to follow the correct steps for apps to have access to our accounts, why not allow these apps to link the accounts. This has been going on for a while and I am sick and tired of this.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-27
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)

I WAS RECIEVING MAIL AND PHONE CALLS ABOUT DEBTS THAT I WAS UNAWARE OF SO I DID MY INVESTIGATION AND CHECK MY CREDIT REPORT AND NOTICE THERE WAS DEBT I KNEW NOTHING ABOUT SOMEONE HAD USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I was THD/CBNA customer since 2018 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account due to COVID-19 pandemic. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (LA)

I use a loan acceleration company to pay my auto loan. They have made all applicable payments on time to Kia Motor Finance. The payments are sent out on the third week of every month. Do to this two payments were received in XXXX. They applied the second XXXX payment to the principal, even tough directions on the check was to apply to XXXX 's payment. I contacted XXXX when this happened and they informed me they would correct it, however they never did. They now have me in collections and want me to make an additional payment, instead of backing the payment out and correcting their mistake.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report, that any finance and other charges related to the fraudulent amount be blocked and removed.
Consumer complaint received 2020-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/20 XXXX in the middle of the night while I was asleep, there was a log in to my Paypal account from a device Paypal did not recognize ( as indicated by their alert email to me ). There were 2 test transactions that deposited and withdrew funds from my account at  XXXX, then proceeded with taking funds from my bank account linked to Paypal at XXXX and XXXX both were NOT done by me and NOT from my computer. These transactions were {$1800.00} & {$2400.00}. I have no prior transactions over {$500.00}. By XXXX upon logging into my email and learning about the security breach, I contacted Paypal via chat. Paypal has no phone number available to call. I filed resolution with Paypal, but Paypal insisted these were authorized transactions and consistent with my payment history and denied reversing the charges. I filed appeal again with Paypal and  they again insisted those charges were authorized. I have since filed a police report with my city ( ase number XXXX ). Paypal breached my account security and allowed money to be stolen from my account. I want Paypal to reverse my these charges and restore my account rights.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have attempted to dispute the incorrect reporting of the XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX accounts on several occasions. The XXXX, XXXX and XXXX XXXX XXXX accounts have been paid and are not reflected as such on my credit report noted on the attached screen shot. They are being reported as " negative '' rather than " paid ''. I am attaching copies of proof of payment of these three accounts. The XXXX XXXX account is over 7 years old and should be removed. The date opened being  reported is the date the collection agency received the account as was verbally confirmed with XXXX XXXX. I have requested that proof of this debt AND the date of delinquency be provided to me by XXXX XXXX in the same conversation and it has been more than 30 days and they have not provided proof of this to me. In addition to this account being over 7 years old, I do not believe that I owe this debt. The incorrect reporting of these items are affecting my ability to obtain a mortgage.
Consumer complaint received 2018-07-13
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. (TN)

This complaint is associated with complaint # XXXX and XXXX. XXXX XXXX and XXXX XXXX revolving account has not giving me a reasonable answer as to why my payment to this account is not being reported in a timely, accurate manner. I have spoken with XXXX XXXX Credit Card and Transunion repeatedly about this concern. I finally was able to speak with XXXX at XXXX XXXX XXXX from XXXX XXXX. He had reached out to the XXXX XXXX Credit Card department that handles disputes, complaint, and reporting agency issues, on my behalf. He followed back up with me todayXX/XX/2018 to tell me that Transunion needs to unfreeze my tradeline because any dispute that I have open will cause my file to not be updated. He explains that this is what has happened in the last three months. My disputes in the past has caused the credit card company and Transunion to block any updates to my account. XXXX XXXX has confirmed this issue is due to Transunion 's system and Transunion has confirmed that the an issue is with XXXX XXXX XXXX system. My account has not been update with my XXXX credit report since XX/XX/2018.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2018-07-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (TX)

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FCU with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.