davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
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: BMO Bank, N.A. (GA)

I purchased my car insurance through my XXXX  XXXX XXXX Harris Credit Card. 

My car insurance gave me a refund through the credit card for nearly the full amount. I carried a credit balance on the card for months. 

on XXXX the XXXX of this year I noticed that BMO harris mastercard had posted a " Credit card Balance refund '' for {$340.00} which was the outstanding credit balance I had on the card. 

I called and inquired. I was told they mailed me a check for the amount. I verified they had the correct address. 

i never received the check. Never cashed it. I called back. They said they would mail me an affidavit to complete and return so they could re-issue the check. 

I never received any mail. Called back again. Verified address every time. I repeated this process 3 times, never received any letter. They are not sending me this document to reissue the check. 

I escalated to a VP i knew. He said he would help. I got an email from them today with an " attachment '' asking me to fill it out and return the document " notarized '' to them. The attachment was obviously incorrect and did not have any area for me to fill out. Almost as if they attached random documents they had on their computer. 

This process is ridiculous. This lender has stolen from me and refuses to give me my money back. I keep getting passed around and I refuse to go to a different local bank to notarize a document where I swear I haven't received or cashed their check. A document that they can't even provide. They should know if i had received and cashed their check. The only checking account I have is with this bank as well. I am stuck. They have stolen from me.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I was checking my credit report and my credit information has been breached and I have reached out to transunion to dispute the inquiries that are unknown to my knowledge. and they have not responded and still have not removed them. I have filed a ftc report and my reference number is XXXX and the confirmation is XXXX and these inquiries should be removed immediately : 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 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 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because XXXX  is reporting that my highest balance XXXX $ and TransUnion is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (HI)

I have an education loan with XXXX XXXX XXXX XXXX XXXX and it was serviced via XXXX XXXX XXXX XXXX XXXX. 

I have been flagged for a delinquent account for which I received no notice. I went into the XXXX account back in XXXX to turn off the auto-pay of a bank account that we no longer use and was hoping to change to a new bank account ; however, they do not allow you to simply switch it over. So I was made to come back at a later date. Forgive me if I may have forgotten to do the new auto pay, but I did not ; however, my communication with XXXX did not change at all. My emails remained identical to had I been current with the loan. This does not seem logical, especially given the consequences of credit reporting. 

At no point did I receive an external communication stating that my account was " late '' or " delinquent. '' XXXX XXXX can confirm this and they state that these notices were posted to my XXXX account ( not my email linked to the account ). My issue is that there is nothing in the external communications to let me know that this account was late or delinquent - I have posted the email inbox here with my communications from XXXX. I do not understand how this is logical or fair. XXXX or others let one know in the headline of the external email what the communication pertains to. XXXX doesn't, nor do they ramp up communication if the account is delinquent. They flag your account ( a XXXX year mark ) without any warning. 

And please can we forget phone calls - everyone in america gets a robocall every 10 minutes, so that form of communication has been diluted down to be made completely ineffective. They suggest they " called twice '' but that is hard to believe amongst the chatter of robocalls. Email is preferred and the viable line of communication. 

I would like to dispute the flag on my account but more so to help others who deal with XXXX. Please hold these service providers responsible for clear communication so that the next customer is made aware that their account is about to be irreparably flagged.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
CONSERVE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXXBalance : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

I received a fraud alert from Citibank on XX/XX/2019 alerting me of a fraudulent ATM withdrawal from my checking account. On receiving the alert from my bank, I contacted the bank and found out that there had been an attempted cash withdrawal made from my account from another area in the state while I was at home that morning. The bank representative canceled the debit card immediately and asked me to verify previous transactions made from my account. At that point, I found that there were several fraudulent ATM withdrawals made from my checking account over the past few weeks beginning on XX/XX/2019 ( Three withdrawals totaling {$600.00}, and one deposit of {$200.00} ). I then filed a claim with the bank to reimburse my money for these fraudulent withdrawals. After reviewing my claim, the bank notified me on XX/XX/2019 that they were unable to honor my request for reimbursement due to the debit card being in my possession and the activity was consistent with my normal banking activities. 
I filed a police report on XX/XX/2019 regarding this incident.
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

I endorsed the monthly statement and attached coupon for the car which made it an asset-backed security and sent it back to the Westlake financial securitization department via registered mail and it was received over 30 days ago. I have received no response from Westlake at all. This should have been discharged/paid off by now.
Consumer complaint received 2020-04-29
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. (TX)

Im writing this because of Non-Compliance of credit bureau to complete investigation. I sent off letters to have account investigated that are incorrect and they came back as verified accounts. No way these accounts have been investigated if they were then all the information reported would match on my credit reports. How is the same data furniture reporting different across all the reports?
Consumer complaint received 2020-11-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (SC)

On XX/XX/2020 : I received an email from PayPal notifying me of the Permanent Account Limitation on my account with no valid justification or reason for the decision that was made and the action taken relative to my account.

The email notification also did not provide me with any direction or ability to resolve this matter, which is a part of PayPals user agreement and a potential violation on behalf of PayPal, which could deem the user agreement between the two parties null and void.

PayPal shutdown this account instantly and without merit and is holding my available funds for 6 months with no explanation or factual basis stated to justify the right to govern the transfer of my available funds to my linked bank account. 
I have communicated through the resolution center on numerous occasions requesting factual evidence related to this issue and for a solution to resolve this matter with no success.

PayPal Inc. refuses to provide any valid/factual violation to justify PayPals decision regarding my account and PayPal refuses to release the balance of funds for transfer to my linked bank account. 

Prior to this current matter, I have never received any communication or notification from PayPal concerning any negative activity associated with this account in reference to fraudulent activity, high risk behavior or any other matter that has violated PayPals user agreements and represents any associated risks for PayPal in the 9+ years the account has been active.

The balance of funds in the account present no associated risk for PayPal as the funds were processed via customer credit card payments not PayPal account balances and the funds are backed by legal binding
sales contracts for services rendered and would be governed by the state of South Carolina should any dispute arise. Therefore, PayPal does not have the right to govern the funds at this point, leaving no valid or credible reason for the funds to be held in the account and not be released for transfer to my linked bank account immediately.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2020, I applied for a joint credit card with my partner for Care Credit. We submitted the online application, and were then told to call a 800 number to complete the process. We called the number, and they asked my partner only to verify his identity online using his phone. He was told to take a video of himself and submit a picture of his identification card ( driver 's license ). 

On XX/XX/2020, he attempted to complete the identity verification on his XXXX, but was unable to access the websits using his XXXX browser. We again contacted the phone number, and they told us repeatedly that we had visited the wrong website. We had visited the correct website. The call was disconnected as the representative tried to transfer us to an alternative agent. We attempted to use the XXXX to verify his identity again, using XXXX XXXX as the browser. The website worked on XXXX XXXX. 

While using the website to verify his identity through pictures, he was able to successfully complete the video of his face and the picture of the front of his ID. The system would not accept the multiple pictures he attempted to take of the back of his ID, and he was locked out of the verification process. 

We called again to speak to a representative to settle the matter. The first representative told us that our application had been declined. Once connected to another representative upon request, she opened the online system back up for him to verify his identity, and suggested he take the video of his face against a plain wall. 

My partner again then tried to complete the online verification, but was met with the same problem. He had 1 attempt left to verify the back of his ID, and so rather than use the attempt we decided to call again to see if a representative could explain what we were doing wrong or to provide us with another opportunity to verify his identity. 

Upon connection with XXXX, XXXX left us on a silent hold for approximately 4 minutes while he looked into our account after verifying our identities on the phone. He then told us our application was declined, and that the previous representative should not have allowed my partner another chance to verify his identity. We inquired about an alternative method to verify his identity, and the representative disclosed that there as an alternative method but he could not provide more information as we must have a processing application to do so. We were never informed of any type of alternative identity verification process at any of the 3 times we had called previously, two of which  were to notify representatives that we were struggling with the identification system. 

In conclusion, the application process was never completed because my partner never had the opportunity to verify his identity. Nevertheless, we were declined anyways.
Consumer complaint received 2020-04-29
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. (AR)

I decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPTEDXXXX  XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$63.00} XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2020-04-29
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. (AR)

I decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPTEDXXXX XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX XXXX {$63.00} XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (AL)

i was written a check by a customer who has pnc bank, the check was for XXXX i tried opening and account earlier that day they said i have to do it online or make an appointment for next week. i had to pay bills so i had to cash the check and they charged me {$27.00} to cash a {$1300.00} dollar check. This does not seem right to me
Consumer complaint received 2018-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

In XX/XX/XXXX, I contacted One Main Financial. I contacted them because after paying them {$9600.00}, I only borrowed {$4900.00} from them in XX/XX/XXXX. My balance is {$8800.00}. Which after doing the math totals around {$18000.00} on a {$4900.00} loan. For them that is an investment of {$13000.00}. I used this loan to pay for my classes at XXXX XXXX through XXXX XXXX XXXX. I contacted XXXX XXXX who is my attorney. He has reached out to them for a settlement but they said they do not settle. I have a lien on my car with this loan, it is a XXXX XXXX XXXX ex with XXXX miles on it. It is valued between $ XXXX {$3000.00}. I have been doing business with them on and off since XXXX, they went through multiple names including, XXXX XXXX XXXX, Spring leaf Financial, and now One Main Financial. I am living paycheck to paycheck and this loan is a burden on me and my family, I am desperately seeking any and all help please. My attorney said they do not want the car just the remaining balance of {$8800.00}. It seems the more I keep paying them the worse the balance gets. My balance was the same this time last year. I think there is something wrong.
Consumer complaint received 2022-12-17
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. (TX)

XXXX, Transunion and XXXX has violated my federally protected consumer right to privacy, confidentiality and agencies not reporting 100 % accurate information under 15 U.S.C 1681. 
Since l submitted Since l submitted complaints to Consumer Financial Protection Bureau ( CFPB ) Complaints XXXX for XXXX ID # XXXX, XXXX ID # XXXX and Transunion ID # XXXX the agencys has reach out to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  which is XXXX out The several reporting companies l complaint to CFPB on XXXX concerning reporting inaccurate informations. The companys had changed their information to corrected the information reporting and sent the information back to XXXX, XXXX and Transunion. Over the past several years l have disputing a lot of the inaccuracies information with the companys and credit bureau agencys until l filed the complaints with the CFPB thats when the Credit Bureau and Companys is now starting to correct the inaccuracy information been reported by the companys. Im uploading he changed they made because l filed the XX/XX/2022. There are several more companys that l addressed in my complaints on XXXX waiting to hear from the credit bureaus when changes going to occur. The inaccuracy information had impacted my life and Improper use of my report l did not give the Credit Bureaus written permission to furnish my account or my information. I have the right to privacy 15 U.S.C 1681.

Improper use of my report and furnish inaccurate information has violated my right. 15 USC 1681 section 602 A. States l have the right to privacy. 15 USC 1681 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedated the report by more than Seven years. 15 US C 1681 s-2 ( A ) ( 1 ) A person shall furnish any relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Im demanding that the accounts in the complaints ID # XXXX, # XXXX XXXX and # XXXX XXXX be permanently and immediately removed from my report in accordance with 15 USC 1681