davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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. (IL)

I have a personal loan. I open the account in XX/XX/2019. For some reason this account only reports to XXXX. It is missing from XXXX and TransUnion.
Consumer complaint received 2020-01-28
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. (DC)

I have never solicited or sought to acquire an auto loan through XXXX XXXX XXXX XXXX date of the letter I received was XX/XX/2019. I am going to assume they received my information from an unknown source in an attempt to get a car loan. 

The control number is listed as XXXX. 
I want to know why they sent me a letter of which I never inquired about from their organization.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP (CA)

I found out around XXXX time that strangers were ringing my doorbell asking for me. One appeared at my garage while I was inside and wanted to see my identification. I did not show it to them. My husband asked who they were and they did not reveal any information. We received knocks on our front door late evenings and early mornings on Sunday and XXXX XXXX. They would ring the doorbell and knock and ring the door bell. They would wait outside of our house in their car. I was afraid to leave the house and my kids felt disturbed about all of the times they attempted to knock and ring the doorbell over and over. They were different people over multiple times of day. Recently, I was sent a solicitation in XXXX by a debt lawyer to help resolve a collection case that XXXX XXXX has against me that I was unaware. The lawyer even provided the case number from XXXX XXXX County Superior Court against me which I verified. I never received any type of court paperwork notifying me of this legal action from anyone. I believe what XXXX  is doing is unlawful. I need some help in determining what they have done was illegal.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I always make my payment over the weekend during the week that usually the time the credit card is due. Last month I know for sure I had made a payment over the phone. 

I know I'm multiple occasions when I do the payments over the phone, a lot of times there might be problems. Or for some reason those payments could take so many days before it actually registers. 

I do not try to call the representatives, because sometimes it could take long on the phone before anybody answers. So everything is done through automated. 

Apparently last month when I made the payment it never went through. However I was not aware that that payment was not processed. Just a few days ago is when I got notified that the payment never went through which was Weeks later. However due to that action, they reported me late on my credit card. Which I have not been late on the credit card and the very long period of time. That affected my credit report which is affecting me from obtaining any credit. 

I was charged late fees, it's not my fault that there's some trouble at times with their phone system. So I'm looking to have those fees refunded I know they also do not want to negotiate with lowering my interest. So I'm also asking for help on that.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (VA)

Someone claiming to be Current my online banking. Scammed me out of all {$980.00} of my money and I contacted Current and they shut my app down and told me basicallly they couldnt help me and I believe this was an inside job ... my name email and number kept getting changed right before Current shut my online banking down .... when this person took the first batch of money Current said they will log me out all devices so it wont happen again but it did this person took more money and then thats when Current shut my app completely down and said it was being investigated but took days and days to respond with an update and then told me they couldnt help me
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF THE WEST (CA)

We bought a motorhome from a private party on XX/XX/XXXX. The purchase was financed with a loan from Bank of the West. We have paid out installment regularly and timely as it comes due every month, since XX/XX/XXXX we have been in contact over the phone with Bank of the West customer service/ title department asking them to send us the title for the RV instating we, along with the Bank XXXX lien XXXX are the owners so we can renew the registration of the vehicle with the XXXX. We were told in XX/XX/XXXX by the bank that the proper department ( title department ) was working on the transferring of the ownership with the XXXX and that they would renew the registration, but we had to wait. In XX/XX/XXXX the registration for the vehicle expired and we were told by the XXXX the bank had not processed the transfer. 
We have been contacting them weekly by phone as we were not offered any other means to communicate with them, to no avail. In XX/XX/XXXX we were told they couldn't process the paperwork we need to send the smog check certificate. We promptly sent it in. They alleged not to have received it even though we sent it by fax and have the receipt. We resend it. One week later we were told we need it to send a check in the amount of {$1100.00} for the registration, the check we sent was cashed on XX/XX/XXXX, still up to today they have not processed the title. 
The license has been expired since XX/XX/XXXX, the RV sits in our garage, and to this date the only document proving the RV is ours is the Bill of Sale. 
No word from the bank in the last 10 days even though a Bank supervisor is trying to help us solve the problem. 
We are at wits ' end, not knowing what to do.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Not Legal Validation & Re-ageing Debt I wrote Equifax regarding XXXX  ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. Equifax is refusing to remove an account that the original which is XXXX XXXX refusing to Validate. Equifax is in violation continuing to report. 

Also the debt was Re-Aged by Equifax by 2years which is a violation according to the FRCA. Debt should be reporting accurately with factual information.
Consumer complaint received 2020-07-14
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

So in XX/XX/XXXX I requested a payoff amount for my vehicle and when It was given to me, I paid it. I was told by citizen one that its been paid in full and that they will send the title via mail. A couple months later I havent received the title so I called and come to find out the address they sent it to was not the current one so we then proceeded to change it to the current one. In XX/XX/XXXX I still have not received the title and on top of that received a delinquent notice on my credit report. I did some research and found that the delinquency was from citizens one. When I called in I was told that they gave me the wrong pay off amount and that there was a {$17.00} balance that they have been trying to collect. I didnt receive any mail from them because again they had an old address even after I tried changing it the last time I spoke with them. So the supervisor said if I paid the {$17.00} and some late fees that they will fix the delinquency on my credit because it was their fault they gave me the wrong payoff amount and that they didnt change my address when I last spoke with them. A few weeks after that phone call I received a signed document that allowed me to request a duplicate title from the XXXX. Fast forward to XXXX I checked my credit report and I see that the delinquent reports from citizen one is still there. I called in on XX/XX/XXXX to see what was going on and they told me they dont know and that because the account was closed they dont have any notes on the account.
Consumer complaint received 2020-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

Initiated a dispute with PayPal which was initially refunded in the amount of {$39.00} ( Refunded XX/XX/XXXX ). Refund was for a cancelled subscription service that was cancelled under the free trial period and should not have been billed. Initial transaction was erroneously made on XX/XX/XXXX. 

Later, PayPal reversed their credit and placed the paypal account into a negative balance for the transaction amount ( XX/XX/XXXX ). In the course of this, PayPal limited the account and it is unable to be used before satisfying the negative balance that should not be present. 

PayPal 's assigned case number is Case ID : XXXX. PayPal credit mastercard was also billed on XX/XX/XXXX by the same merchant which has a cancelled account, a dispute has been initiated with the servicer of the PayPal Mastercard. 

PayPal has not responded to requests in an expedient manner. PayPal also ignored 2 other small claims ( amts of $ XXXXCAD and $ XXXXCAD ) that were made for items not being delivered.
Consumer complaint received 2023-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I submitted an employment verification form for XXXX to XXXX XXXX ( XXXX ) on XX/XX/XXXX. The employer in question had previously been approved ; this application was for a new twelve-plus months worked. XXXX never verified this employment, but they didnt deny it, either. My loan was then transferred to MOHELA around XX/XX/XXXX. MOHELA also did not verify or deny my eligibility. I thought that perhaps the form had been lost or forgotten in the transition, so I re-submitted it to MOHELA on XX/XX/XXXX. When they did not respond in a timely manner, I inquired via email on XX/XX/XXXX. Several weeks later, MOHELA sent back a generic message asking me to call them instead, and that they were unable to reply to my message. I called and never could speak to a person. Today ( XX/XX/XXXX ) I went online to check my qualifying payment count, and it was still missing that period of payments. The re-submitted form from XX/XX/XXXX had been denied due to being a duplicate. The original form still has not been acted upon, and its now over 8 months old. My qualifying payment count remains inaccurate.
Consumer complaint received 2020-04-17
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)

ACCOUNT # XXXX XXXX illegally sold a fake account to XXXX XXXX XXXX in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX to XXXX when I discovered the criminality. XXXX, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The XXXX  would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.
Consumer complaint received 2018-09-29
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. (FL)

This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX  said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX  said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that GM would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental GM said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.
Consumer complaint received 2018-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

On Friday XX/XX/XXXX at XXXX XXXX, I invoiced a company who I am doing some work for, XXXX XXXX of XXXX, they paid the invoice which transferred {$250.00} into my PayPal account. I have had this account since XXXX. When the money was transferred into my account, PayPal took a {$7.00} fee. When trying to do an instant transfer of the {$240.00} to my checking account, which I have done numerous times. I received a message that the money transfer would be delayed up to 24 hours and no other explanation was given. This transfer usually takes about 3 minutes. I called PayPal customer service immediately and they told me to open a ticket with PayPal Merchant Services and they would let me know right away what was wrong. I just checked at XXXX XXXX and the money is still pending and I still have no explanation as to why my money has not transferred.
Consumer complaint received 2017-10-10
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 have been trying to deal with Experian going on 54 days where I have called MULTIPLE times and have been left holding for up to XXXX hours and XXXX mins and then the phone just hangs up or in situations where I am currently on hold as I am writing this complaint once I reach someone they say they are going to transfer me to the right department and then I am left on hold again. I am currently speaking to XXXX XXXX ID # ) who indicated : that they have the FTC complaints and police report, yet they do n't have the information from XXXX Bank and that she would try to get them on the phone. Now seeing as it took me almost 3 months to get them to provide the information correctly its not a surprise that capital bank now has no records of the form that was sent to me on their letterhead indicating that they were as a system error. So Experian is trying to make it seem as though they have done their job which they have n't The issue is that I have not only mailed, faxed and uploaded the documentation showing that the collection account on my report is fraudulent and should be deleted/removed but also there is a revolving credit account XXXX capital bank ) that has ( XXXX ) XXXX late indicators present that should based on documentation sent to their office. Yet after 30 days the information was not corrected, I resubmitted the documentation a total of 3 times and we are approaching 60 days more than double the required timeframe under the FCRA and yet my report still has the inaccurate information present. I have spoken to various reps and supervisors that have indicated the documentation I sent was being reviewed and that the accounts would be updated. Yet here we are and it still has n't been corrected. This will be the last attempt before I file suit against Experian for FCRA violations and seek damages, as I am currently suing XXXX for not only the security breach but the same issue.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX issued me a XXXX $ credit limit. 

once i got the card and attempted to use it for a purchase they closed my account without reason. 

they will not reopen the account. 

they told me the only thing to be done was to reapply which caused me another hard inquiry. 

i have contacted XXXX XXXX multiple times to get this closed account off my credit report and they have been unhelpful to do so. 

when asking why the account was made closed they told me that they could not disclose the reason to me. 

it doesn't make sense because i was approved for a secondary line of credit with the same bank after being told that the only option for me was to reapply.
Consumer complaint received 2021-08-17
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: McCarthy, Burgess & Wolff, Inc. (NC)

Early XX/XX/XXXX - I received a letter from a Collection Agency, XXXX claiming that I owed XXXX XXXX {$4500.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX disputing the debt. I asked to see a signed contract and proof that the debt belonged to me. 
XX/XX/XXXX - My certified letter was received by XXXX. 

As of this complaint, I never received verification of the debt from XXXX or XXXX XXXX. 

XX/XX/XXXX - The debt was reported to all three credit bureaus as a collection. 

XX/XX/XXXX - I received a letter from XXXX XXXX XXXX XXXX XXXX Collection Agency. I disputed the debt with them and asked that they provide me with proof of debt. The Agent stated that I needed to collect that from XXXX directly and they did not place the information on my reports. 

XX/XX/XXXX - I contacted XXXX XXXX to dispute the debt. The agent could not/would not provide me with a copy of the contract or any documentation to verify that the debt belongs to me. Instead, he directed me to contact the store where the transaction took place and wanted me to ask for security footage of who opened the account. 

XX/XX/XXXX - I contacted the XXXX store and asked the Representative to forward me a copy of the security camera footage to verify that it was not me. 
As of this complaint, I have never received any proof that this debt belongs to me.
Consumer complaint received 2021-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC (TX)

I had a late payment on an account and I called to settle the situation, and even after paying the loan, they still report it as a late payment even though Im on track
Consumer complaint received 2018-02-18
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: Midwest Recovery Systems (WA)

Midwest Recovery Systems reported in a false manner that I took out a payday loan from XXXX XXXXXXXX XXXX onXX/XX/XXXX in amount of {$260.00}. It then has just appeared on my credit report as a defaulted account and just appeared on my credit report onXX/XX/XXXX. I have done a direct dispute with XXXX   and XXXX. However XXXX is saying that it is accurate. I will be calling them ; But I never took out this payday loan and want it removed from my credit report.
Consumer complaint received 2018-02-18
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. (CA)

Frauding my immazation record of XXXX Indiana of XXXX XXXXXXXX others frauded as business permits and products and flood and semi truck rest stops and gas cards frauding XXXX XXXX XXXX of XXXX Indiana of my documents