davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (IL)

I sent a letter on XXXX XXXX to Experian. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2022-10-13
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. (AL)

I sent a letter on XX/XX/XXXX to XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-04-10
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 (NC)

PayPal close my account for not reason and them will not help me with Getting it back up and going. They locked me just because I put my money into my account. I am assume that i respect all agreement of this company. 
But PayPal just made all difficult for me. They ask me for my personal information and i sent to PayPal but they never respond and took my calls. I never had any Dispute or charge back in my account and All my transaction was clear. 
PayPal should provide a good services but they are SCAMER NOW.

I think this Company stole my money violates its terms and conditions in the service agreement and acts to the detriment of users. i am File a report here. PayPal is violating the rights of people by closing Accounts to keep the money and so make the company grow with the Money that they stole. 

This is my email> XXXX PAYPAL SCAMER, PAYPAL SCAMER STOLE MONEY AND DO NOT RESPECT THE PEOPLE. CLOSE PAYPAL. 
HELP ME TO GET MY MONEY BACK.
Consumer complaint received 2022-10-13
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: Lendmark Financial Services (CA)

On XX/XX/2022, Lendmark made an inquiry on my credit score report. I had no knowledge of it. I did not give any consent to do so. 
They offered refinance but said no credit check will happen. I was tricked by the agent. This is fraud.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (OK)

I was involved in a gift card scam and discover doesnt claim that its fraud. And I have an enormous bill in which Im struggling to pay off and in the meantime my interest is accruing. Its over {$10000.00} and Ive tried settling with them but the wont. I could use your help!
Consumer complaint received 2021-03-02
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: National Credit Systems,Inc. (TN)

On XX/XX/2020 XXXX unsure of the exact day ), a derogatory debt was reported on my credit report. I called the lender, which was now in collection with National Credit Systems in XXXX, GA. I talked to a Ms. XXXX XXXX with the credit company. She explained that they had to investigate with the apartment company that the debt was with. She requested I send copies of two ID 's ( driver 's license and social security card ) to verify my address and identity so that they can investigate and remove the error from my report. I sent the information, but nothing happened. After talking to her several times, she finally transferred me to another person without even explaining that she was transferring me. She did this multiple times when I called her. I don't know if this is a scam or someone that is rude. The XXXX has many complaints on this credit company, but they verified that it was a legitimate company. 
Company : National Credit Systems Address : XXXX. XXXX XXXX, XXXX, GA XXXX Phone : XXXX ( ext. XXXX ) Ms. XXXX XXXX
Consumer complaint received 2023-02-24
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : Accounts : XXXX XXXX XXXX XXXXXXXX {$1600.00} {$0.00} XXXX XXXX XXXX XXXX {$220.00} {$220.00XXXX XXXX {$200.00} {$1300.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} {$0.00} XXXX & XXXX XXXX XXXX XXXX {$140.00} {$0.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C. 1681 section A. States that I have the right to privacy.

15 U.S.C. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation (GA)

This company used to constantly call me about the debt. However, they kept changing the balance, which they are still doing. Then, they called one of my family family members twice.. one time leaving a voicemail stating that they are about to sue me and wanted to know if I had a lawyer. During the phone call with my family member where they actually talked to my family family, the representative from World Finance told my family member ( cousin ) that they were about to sue me and needed me or my lawyer to call them as soon as possible. After this, I told the manager at the local office about this incident, who swore that no one in her office would have done this. However, it happened! My aunt was with my cousin when this happened and heard the phone call. I told World Finance that this violates the law and to not contact me about this or I will sue them for violating the Fair Debt Collection Practices Act. After this, I did not receive any more phone calls for months. Then all of a sudden, someone randomly called me on XX/XX/2021. So, this is the 2nd violation by this company, which I can easily sue for, which would outweigh the balance on this account anyway. They have also threatened to sue, which I will countersue at the same time for these violations and also the violations on my credit reports, which they are reporting different information with all credit bureaus and constantly change the balance by {$2.00}, {$3.00}, {$5.00}, {$11.00} up and down every two to three weeks no cause. I have all documents showing these random changes and all credit reports each month showing this information.
Consumer complaint received 2023-02-15
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. (FL)

I A M SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Despite living exclusively in the United States for over 8 years now bank of America keeps sending me threatening notices requesting update in my residency documents because I am a citizen of XXXX. They once refused to accept the document I provided ( simply because it was not in their list of accepted documents ) and put a freeze on my saving and checking account forcing me to close my account with them. I still hold an old credit line with them and the letters keep coming like clockwork with a very short deadline ( few days ) for document submission and they threaten to freeze my access to the credit cards. This has happened over the past 8 years continuously even though I have a clear source of salary from my job which I completely use for my everyday living in the US. I had zero overseas purchase or anything that can be remotely related to a sanctioned country. I kept my legal residence here in the US for all these years and haven't even left the country since my initial arrival in XXXX 

This is a textbook violation of the federal equal credit opportunity act which prohibits creditors from discriminating against credit applicant son the basis of national origin. 

I am working with 4 other creditors and banks in the US and and unlike what they claim, BOA is the only institution that has this unreasonable and discriminatory policy.
Consumer complaint received 2021-06-02
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. (IL)

I have contacted TransUnion several times explaining that incorrect information is being reported in my name. I have never filed for Bankruptcy, this should be deleted along with the accounts that you did not delete with my last dispute for XXXX XXXX & XXXX. They are the only remaining accounts that you did not delete as you deleted & blocked the other accounts as I asked in the last request. I have sent information along with a letter from the courts saying that they do not verify or report to any credit bureau. Please delete this information this is my third request and you keep deleting a few accounts at a time instead of all at one time. Please delete these accounts.
Consumer complaint received 2018-03-04
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. (IL)

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account.
Consumer complaint received 2022-10-13
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$52.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXX FIN XXXX Balance : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (OH)

My husband and I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, in XX/XX/XXXX. We were financed by Santander Consumer, USA. We recently went to a car dealership ( XX/XX/XXXX ), hoping to either refinance our vehicle or be placed in another vehicle because we were making steps to clear up our credit. The manager from the car dealership ( XXXX XXXX XXXX ) came out to speak to us, which I thought was strange. He stated how out of all the years selling cars, he had never seen anything like what he was seeing with our loan from Santander. Our payoff amount is {$22000.00}. We purchased the vehicle ( 3 1/2 years ago ) in which our loan was approx {$23000.00}. Unbeknownst to us the 39 payments that we made from the beginning of the loan, approx {$18000.00}, went solely to interest and only less than {$500.00} went towards the principle of the loan. We spoke with a manager from Santander, XXXX XXXX ( ID # XXXX ) who told us that our contract has a simple interest rate loan, where we pay an enormous amount of interest each day our loan is late. Yes, we have been late in the past. However, within the last 12 months, we worked consistently on our payment, making sure nothing hit our credit. We were never late past the 30 days. We feel like we have been XXXX, manipulated. Yes, we might have been ignorant in going into this contract with Santander. Having a loan for almost 4 years, yes late many times, yes we put some payments towards the end of the loan, BUT $ XXXX WOW!! That's a lot of money, especially when 82 % percent of the payment goes to interest, leaving only {$160.00} going towards principle. Very upsetting and frustrating especially when we are at the verge of getting approved for a loan for our house and the only hardship is now that of this vehicle. Is there anything that can be done? Please help and/or assist us regarding this matter.
Consumer complaint received 2021-06-02
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. (CA)

Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but both have refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.
Consumer complaint received 2021-06-02
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. (NY)

I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. XXXXXXXX XXXX XXXX my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed XXXX XXXX XXXX  about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX | XXXX XXXX NA 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 consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/XXXX I contacted Portfolio Recovery Associates LLC to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX as no settlement could be reached. The second account was with XXXX XXXX acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( Portfolio Recovery ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.
Consumer complaint received 2021-06-02
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. (NY)

I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. XXXX XXXX XXXX, my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed XXXX XXXX XXXX about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (KY)

THEY USED THE POLICE TO EVICT US DURING XXXX. THEN TOLD THE COURTS THAT WE WILLINGLY MOVED OUT AND BROKE THE LEASE. WE HAD 6 MONTHS LEFT AND THEY ARE CHARGING US THE TERMINATION FEE. THEN SENT IT TO COLLECTIONS AND THEY ARE HARRSSING US AND DAMAGING MY REPORTS. 


SUMMARY OF MOVE OUT CHARGES Residents : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX, KY XXXX Move-Out Date : XX/XX/2020 STATEMENT ( ACCOUNT # XXXX ) Charge Amount Move In Fee {$150.00} Rent {$3800.00} Resident Utility Charge {$310.00} Point of Lease Renters Insurance {$43.00} Valet Trash Service {$100.00} Late Fee {$340.00} Legal Fee Income {$190.00} Damage {$270.00} Termination Fee {$4200.00} CHARGE TOTAL : {$9500.00}