davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I have written to Credit Acceptance Corporation since XX/XX/XXXX about late payments on my credit report that they stated that I would not have negative remarks for in XX/XX/XXXX. In XX/XX/XXXX, I opened up this loan for a family who needed to obtain a vehicle-XXXX XXXX XXXX. They fell upon hard times and the vehicle was picked up XXXX XXXX. I paid the recovery to get the vehicle back on track and was put in a repayment plan to catch up the past due balance. I asked specifically when I spoke with the representative on XX/XX/XXXX and they told me that as long as I kept the arrangement then I would not be reported late. I personally repossessed the vehicle from the family member to ensure the payments would be made on time. I have 5 late payments on this account because the arrangement was for 18 months and I paid it off the arrangement early while caring for my then XXXX spouse and was told that I would not have a late payment by setting up the arrangement. Every payment has been made on time for the last year and a half since my husband passed away. I keep up the maintenance on the vehicle by going to my local XXXX dealership in XXXX, XXXX XXXX XX/XX/XXXX, this vehicle left me and my XXXX kids unexpectedly on the side of the road because it was running hot and shutting off with no prior warning. I had the vehicle taken to the dealership and they stated a multitude of issues that were expensive to repair. I called Credit Acceptance on XX/XX/XXXX and spoke with XXXX and explained what occurred and asked for an arrangement in order to pay the balance and still get the vehicle repaired. I SPECIFICALLY ASKED AGAIN IF I WOULD HAVE LATE PAYMENT ON MY CREDIT REPORT WITH ME SETTING UP AN ARRANGEMENT AND SHE SAID I SHOULD NOT. The agreement was XXXX that day which I paid and XXXX a month starting XX/XX/XXXX. On Friday XX/XX/XXXX, I get a notification from the credit bureaus stating that this same organization had updated my credit report 30 days late and dropping my FICO score 37 points with XX/XX/XXXX. This company does not respond to any correspondence. They have falsified information to me on several occassions about credit reporting that are inaccurate. I want all of these late payments removed.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-03
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 ()

On XX/XX/2022, I received payment from my client, and Paypal Holds my money because acording to them, I need to have a history of payment received before they can release my money, I need to have XXXX transaction with a total of XXXX within 60 days, and after completing the requirements, all my incoming payment will be available for withdraw. but on XX/XX/XXXX, XXXX dont have any transaction and i didnt do anything on my account. they permanently limited my account. My complaint is, why they ask me to complete the requirements then all of a sudden they will permanently limiting my account
Consumer complaint received 2018-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I transferred money from my PayPal account that was rejected by my bank. 
PayPal refuses to put the money back into my PayPal account and details an extended wait time due to their internal systems. I think they are committing fraud by not placing the funds back into my account.
Consumer complaint received 2022-01-19
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I was on XXXX looking at flights when the American Express advertising appeared! Its stated I would recevive a {$200.00} credit statement ... .. come to find out, they are not giving me a credit ... please help me as a consumer.
Consumer complaint received 2020-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Hello, I am in the public service loan forgiveness program since XX/XX/XXXX and submit my re certification paper work each year. I had 57 documented qualifying payments as of XX/XX/XXXX, however, sometime around XX/XX/XXXX my qualifying payment count has dropped to zero, I have called them several times to have this matter addressed and they are absolutely unable to correct the issue in a timely manner. We are more than 6 months from when I previously inquired about this. They state they are still in the process of reviewing payments and there is no time line and they can take as long as they want. I request your assistance as this is one of the worst experiences I have had.
Consumer complaint received 2018-02-21
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. (IL)

have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX  accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (CO)

I am unable to withdraw money from my account with robinhood to my bank. It is listed as pending for over two weeks starting with the request on XXXX XXXX. Their customer service is sending boiler plate messages and will not get back to me. I do not have a direct way to contact.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. I have reached out numerous of times after Equifax said that a proper reinvestigation after my initial letters and complaint for XX/XX/XXXX was done. However I still have multiple duplicate inaccurate accounts listed on my credit report which are affecting my livelihood and ability to obtain proper credit. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed because : According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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  ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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. (GA)

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX - XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 12 CFR 1022.82 ( c ) ( 2 ) ( ii ) ) - A user must develop and implement reasonable policies and procedures designed to enable the user to form a reasonable belief that a consumer report relates to the consumer about whom it has requested the report when the user receives a notice of address discrepancy. 


XXXX XXXX is reporting to the bureaus an inaccurate address, after numerous submissions of verification documents that confirm the information they are reporting regarding my identity and ownership of the account to be false. The bureaus refuse to abide by the laws set to protect me from occurrences like these.
Consumer complaint received 2018-02-21
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. (IL)

have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

A place that said they were a lender through XXXX XXXX has scammed me into thinking I was getting a loan for up to {$9000.00}. So while speaking with them on the phone the lender stated that they needed information as far as my account number and routing number, my wife was the person speaking with them and provided that information. The next step was they continued to ask for other information reguarding the bank as well.. They wanted passwords and username in order to mobile banking the money into the account. After all that, they deposited check # 1 into the account for {$2300.00} but it had PAY TO THE ORDER OF XXXX XXXX, that was also forged with a endorced signature that was not mine. I did not know anything about a fraudulent check. Check # 2 was deposited in my account for XXXX, about 3 hours later. I notified the bank and let them know about how I think its a scam. The USAA bank said it was my wife fault for being scammed, and that when my military check gets deposited every month the bank was going to take the money. The US treasury called the bank and told USAA to return my direct deposit back to treasury since the account had fraud going on, the bank did not do so.. Now I am left with nothing.
Consumer complaint received 2018-03-11
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit report shows a negative collection/chargeoff from capital one.This account has been closed since XX/XX/XXXX. The full balance was paid. Capital one still shows a negative account on my report. I disagree with this negative report from capital one. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
Consumer complaint received 2023-01-03
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. (NC)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2018-02-21
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. (MD)

I received an alert of new data reporting and account take over today. In result of an investigation initiated XXXX XXXX XXXX retaliated reported conflicting adverse affect my consumer file reported to 3rd parties. Experian continues to allow XXXX XXXX XXXX to file erroneous information that make no sense XXXX XXXXXXXX XXXXk allege high balance {$2600.00} was granted with a most recent payment was {$2800.00} on account XXXX sold to XXXX  updated XX/XX/2018. Experian continues to be negligent and does not investigate trust wiith any Creditor that /pays a monthly fee for unlimited access to consumer files. On another account XXXX XXXX XXXX updated account history with failure to pays with 0 % credit usage and 150 % credit usage based on updated information on closed accounts, charged off
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
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 XXXX XXXXXXXX Balance {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I filed for bankruptcy in XX/XX/19 I exempted by car loan and have made regular payments. XXXX XXXX XXXX has cashed by checks and admits that the payments have been made. However, it reported to the credit bureaus that the loan was discharged. It was not and as the company has accepted by payments, it is illogical to state that the loan has been discharged as I have not defaulted on the loan. If I ever do, then XXXX XXXX XXXX can report the discharge. It can not anticipate a default.
Consumer complaint received 2021-03-30
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. (SC)

I have been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-01-19
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : THE BUREAUS ( Original Creditor : XXXX XXXX XXXX ) XXXX US DEPT ED XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

For more than six months I've tried to close a Wells Fargo savings account I opened. 

I've personally spoken with several representatives on three separate occasions to try and remedy the situation. Each time being assured the account would indeed be closed. 

Despite those assurances, the account is still opened. I received just today yet another " Wells Fargo savings account updates. '' I deeply regret opening this account. I can't imagine to what end this is benefiting them, it just feels oily in a sleazy unethical way. 

I'd just like to put an end to whatever game they're playing and successfully close this account.
Consumer complaint received 2023-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (AZ)

I have emailed the customer support team multiple times over various months and have not gotten timely responses, nor have I been provided with and help to get access to my account again. They have emailed me expiring log in links that I have clicked immediately after receiving only for the link to not work. So I can not log in and reconnect my bank account, as a result I have late payments from them because they wont allow me access to my account
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NJ)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017 with an amount of {$13000.00}.
Consumer complaint received 2018-10-05
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)

I have disputed this matter with Experian a number of times submitted prof this was paid in full. But Experian has ignored my complaint and has not remove XXXX XXXX XXXX XXXX still shows me as owing money. I need XXXX XXXX XXXX XXXX ending in XXXX. I am contacting a Attorney if they don't delete this.