davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours (NV)

This is a company that is an app that you download on your phone and you can borrow money. You can also earn money by making purchases and getting gas and things like that. I did in fact use their service a couple times this past year as I have used their service before over a couple years ago. I noticed that I was starting to have credits come into my account and then taken back out from them. I tried to contact them and the only way to get a hold of them is through their chat. I constantly ask them to delete my bank account information. And they told me they could not. I was told to just delete the app but deleting the app does not stop them from having access to my bank. 
They say they do not have phone communications in case they need screenshots and things. I contacted them to let them know that the activity that they were doing on my account was not authorized by me. They were ignoring what I was telling them so I ended up contacting my bank. My bank started a dispute and they actually credited me with a provisional credit the amount that Earnin had taken from me. During this process I have been continuously contacting Earnin through the chat and I finally got them to contact me through email. But half the time they do not respond properly to what you were saying because youre basically talking to a robot. 
The responses to the chat and through the email seem robotic. I have taken screenshots of most of our conversations once I realize things were not going my way. I told them many times I felt they were they were being fraudulent and that I was going to report them. 
They just were not responsive to what I was telling them. They were telling me that any charges me to my account had to have been my fault. 
Now today I received a letter from my bank telling me I needed to provide proof that I attempted to cancel with Earnin because they manage to somehow create a spreadsheet showing credits and debits from them. Of course there are credits and debits from them but that does not mean that I did those. I feel like somebody at the company is somehow making extra money doing credits and debits from peoples accounts. The spreadsheet earnings sent to my bank looks like something anybody could type up. Theres no heading theres no anything that would really prove that I did those transactions. So now Im concerned that my bank is going to deny my initial claim and make me give back all that money meaning I am now out money twice because of this company.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

As of today, XX/XX/2022, the account balance is zero and has been paid in full as for the rest of my over 35 current active credit card accounts. However, XXXX  XXXX purposely provided to XXXX and Experian fraudulent payment history information earlier today on XX/XX/2022, which caused my perfect credit scores to drop about 80 points causing both financial and emotional harm and damages as a result of its illegal reporting to the national credit bureaus in violation of both FCBA and FCRA including the stipulations of 15 USC XXXX XXXX, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) and 1666e. 

See attached XXXX XXXX bank statement. 

The reported errors to all credit bureaus and creditors must be IMMEDIATELY CORRECTED AND REMOVED!!
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-03-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : Chapter XXXX Bankruptcy / XXXX / {$0.00}
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Synchrony bank closed all my accounts with them on XX/XX/2020 with no warning, I had actually used one of the cards earlier in the day. My sams club card had 11 months of cash back rewards they say are forfeited because the account was closed even though it was closed by them. They actually increased my credit limits among 3 cards in the approximate amount of XXXX the previous week I asked for the limit increase because of XXXX shopping. My care credit card was on a 6 moth interest free program as was several of my XXXX purchases on Amazon store card and pay pal credit. My credit file.has went up in the past week as a matter of fact I had a score increase on 1 reporting agency of 1 point on XX/XX/XXXX XXXX
Consumer complaint received 2019-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (OR)

On XX/XX/19 I applied for a consolidation loan. I was told that there was 3 steps to complete I have downloaded all required documents. The last task as they call it was to do a verification call. I have tried several times to do this last task each time I am told to complete the instructions but not told what exactly these instructions are. I have tried to work with them but they refuse to help and complete the loan request.
Consumer complaint received 2021-10-11
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. (MO)

In XXXX XXXX sued me for an outstanding credit card balance of {$2500.00}. XXXX that had went to collection. Through my attorney and XXXX 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every XXXX weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I attempted another dispute in XX/XX/XXXX and again the dispute came back verified. Since this account was involved a legal case I believe that if XXXX and Equifax had done their due diligence in investigating my disputes. They should have received proper status from XXXX bank. As of today XX/XX/XXXX The account status remains incorrect.
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (FL)

XXXX XX/XX/XXXX, I purchased a XXXX XXXX XXXX vehicle for XXXX, XXXX which was XXXX dollars over actual value. At the time I was XXXX and had no idea what I was doing. I was suffering from XXXX XXXX and was using XXXX  and was taken advantage of by the dealer and the lender. I contacted the dealer twice and received no response and received no assistance from the lender Wells Fargo. My account number with Wells Fargo ( XXXX ) is XXXX. I can not pay this loan as i am unable to work as i am currently under the care of a XXXX 

XXXX XXXX XXXX XXXX ct XXXX fl XXXX XXXX
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (AL)

I had made a online payment of {$150000.00} towards principal on my loan with PrimeLending via online system. The amount was deducted from my bank account that was used to make the payment on XX/XX/2020 but has not been applied to the loan. On XX/XX/2020 PrimeLending transferred the loan to XXXX for servicing. Prime lending claim that the amount of {$150000.00} was sent to XXXX on XX/XX/XXXX. XXXX  claim that they have not received the amount. The amount does not reflect in my account and I am being charged interest on it.
Consumer complaint received 2020-12-03
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. (VA)

All three credit bureaus claim they verified this inaccurate bankruptcy thru 3 party vendor XXXX..which I contacted them for verification of this bankruptcy in which they couldnt verify the accuracy of this bankruptcy and its no longer in there system. They are in violation of the federal reporting laws, they reporting this outdated inaccurate bankruptcy on my credit report and again im requesting there method of verification of this bankruptcy
Consumer complaint received 2021-05-01
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: Experian Information Solutions Inc. (PA)

XX/XX/2021 I sent a dispute letter on inaccurate and unknown accounts on my credit report. It's been over 60 days and XXXX XXXX and Experian did not respond. I feel like I'm being ignored of my disputes. According to 611 ( a ) says failure to investigate these items 30 days they should delete immediately. It has been over 60 days. I demand these accounts to be deleted or will file for litigation due to the anxiety you caused me. My information was impacted by the XXXX  breach and may have gotten in the hands of the wrong person
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AZ)

Please see attached screenshot of Citicards CBNA reporting a negative on all three credit reports. This was a secured card, I paid monthly ON TIME and then closed the account. I have disputed that they have reported this secured card repeatedly and yet they do not update it as resolved to reflect accurately the series of events. 

This card was closed by me. I requested they close the account and send me my security deposit of {$300.00}. The whole point of the secured card was to build my credit and I paid monthly on time. Eventually I closed the account and requested my secured deposit of {$300.00} back. 

For some reason, the deposit return took 3 months to return and to for them to close the account only to find out a couple months later they reported it NEGATIVELY which is a LIE. I opened the account, paid on time, closed the account and requested my deposit back, AT NO TIME WAS I DELINQUENT IN MY PAYMENTS! NOT ONCE!
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MT)

All Other Agencies are reporting a Fico Score except Experian. So when I have tried to apply for a loan from a bank I have been told several times that I do n't have a credit score?
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 I deposited {$1800.00} in the XXXX ATM of Bank of America. XXXX XXXX branch, XXXX XXXX, New Jersey. 

But unfortunately it was more than XXXX bills and because of that machine stuck after accepting my money. 

ATM on the spot gave me {$300.00} deposit and I was still missing {$1500.00} and describe in the receipt that call to XXXX. 

Next day I call to the number mentioned above and claim for my missing deposit of {$1500.00}. But the customer care representative miscalculated claim amount and she put just {$300.00} instead of {$1500.00}. 

So on XXXX XXXX I got my claim number and temperory credit amount of {$300.00} On XXXX XXXX, I got the letter from BOA stating that the temperory credit of {$300.00} is your permanent credit. 

So I am still missing my {$1200.00} For that I called till date more than 6 times to BOA, but still not getting any answer. 

When I called on XXXX XXXX, I reopened my claim again ( re escalating the claim ). 

Even after 45 days completed and I called on XXXX XXXX still they dont have any answer. 

So I request you to please look into the matter seriously and please tell to BOA to give me my money back of {$1200.00}
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (FL)

Monday, XX/XX/2021, I requested, online, a withdrawal of all my crypto-currency for a value of USD {$1500.00}. It was supposed to be transferred to my bank account automatically. 

As of today, Tuesday, XX/XX/2021, I did not receive anything yet. It's been ten days that I have been waiting for my money. My bank charged me twelve times {$34.00} fee for insufficient funds. I did not pay my mortgage last week because I did not receive this amount. If I knew that would take forever, I would have requested a withdrawal a long time ago. 

Their customer services are by chat online, and I requested that a supervisor call me back because of this significant issue. Still, the chat representative wrote me that nobody was available. According to the representative, the problem is that there's an internal issue to transfer the money. He added that it will be deposited as soon as possible. As soon as possible means nothing. They don't care, and they don't even talk to their clients, they chat. 

THEY ARE KEEPING MY MONEY HOSTAGE FOR MORE THAN 10 DAYS WITHOUT ANY EXPLANATIONS, AND THAT CAUSED AND STILL CAUSING ME FINANCIAL HARDSHIP AND EXTREME LEVELS OF STRESS. I CAN NOT SLEEP, AND I DON'T KNOW WHAT THE MORTGAGE COMPANY WILL DO WITH MY CASE DUE TO CRYPTO.COM
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am suffering with a bad credit score because of incorrect reporting of late payments. I have been deferring my loans and on time every year since I have graduated. I was finally able to get my degree and have been searching for employment but I have found out that some places that I am applying for will not hire me because of my bad credit score. I have not debt except student loans and this information is inaccurate. By law, the bureaus are only to report accurate and factual information. I need this investigated and corrected.
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I paid for a repossession fee back in XX/XX/2018. The amount was {$750.00}. 

Immediately after, I was billed for a 2nd repossession fee in the same amount of {$750.00}. This has been on my credit report for 18 months now. 

I have reached out multiple times to the company to resolve the issue. They have already admitted fault, but still refuse to remove the additional fee. They tell me to call another department who was unable to remove it from my account. The latest communication was XX/XX/XXXX where they said they would adjust {$700.00} off my account, which means they are keeping an extra {$48.00} for no reason. 

I am unable to trade in the car or pay off the loan without paying that {$750.00} fee. I am stuck with the car, which I have been planning on trading in for months. I have filed multiple complaints with their customer service department since last XX/XX/XXXX, and nothing has been done. My credit is being affected as well as the freedom to do what I want with the car.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (AZ)

This company AFNI, INC which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Consumer complaint received 2019-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please reverse the late payment reported on the particular account : XXXX XXXX The account was never past due, I never made a late payment to this company ever please change this, I have a good relationship with this company.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

Received almost 50 percent interest on the Home Depot Store Credit Card. Made attempts to discuss options and resolve with merchant, but was unable to speak with a helpful person. Total balance due on the home depot card is beyond what is manageable. Balance has more than doubled and seems impossible to maintain.
Consumer complaint received 2021-10-12
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: Rocket Mortgage, LLC (TX)

XX/XX/2021 Rocket mortgage ran mine and my wifes credit without consent. I explicitly stated that I did not want my credit ran and this time for a refinance. They instead pulled both of our socials from there information ( Im a current customer ) and did it anyways.
Consumer complaint received 2021-05-01
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 (IL)

PayPal has close my account for no reason and refuse to help me get my money and getting my account up and going Im not assure this a mistake because they have refuse to even try to help me come up with excuses sayings its final it my appeal has been denied and stuff and I needed my money for paying off my credit card I think you know how I feel my PayPal email XXXX XXXX
Consumer complaint received 2021-05-01
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: Experian Information Solutions Inc. (FL)

I checked my credit report and I noticed that there was an error on my credit report due to missing information, my phone number is not on my report. 

Please add my phone number XXXX to credit profile, I am having trouble identifying myself because of this missing information.