davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OR)

XXXX, XXXX I sold XXXX  XXXX XXXX  for {$9900.00} to private party. The money was transferred into Pay Pal Account from buyer 's bank by a debt card. 2-transactions. Pymt1of 2 for - {$9000.00} on XX/XX/XXXX ; Pymt 2-2 was for {$990.00} on XX/XX/XXXX. After funds were received in my Pay Pal account on XX/XX/XXXX for {$9900.00} ; I let the buyer set up his own selection of shipping company. He chose to use XXXX XXXX XXXX they came to my residence in Oregon on XX/XX/XXXX, and picked up the printer which was crated and ready for shipping to the buyer residence in Michigan. He scheduled it to be received at the trucking depot in Michigan. On XX/XX/XXXX ; the buyer received the printer and signed for the delivery. Attached to this complaint is the proof of delivery with buyer signature, bill of sale, my original invoice for when I bought the printer.

Plus, my messages with many Pay pal customer assistance regards the hold on my funds. As you can see my funds were suppose to already been complete in two of the messages. Another one is the funds will be released 24hrs after delivery. Then another one we will manually release the funds after delivery since it should be done. Next is the money in a jump reserve, another it will take 180 days then we will review it. Another 21 days and available by XXXX XXXX, another XXXX days after buyer receives printer. If you send us a copy of your Driver License, Copy of original invoice, and proof of delivery we will review and then release the pending. I sent this information and they took off the pending, but put a hold on the funds instead. I feel all I have got is a massive run around on this issue. One rep stated, I have been a loyal customer with alot of transactions since XXXX  '. I do have alot of business with pay pal personal and my merchant business. So I don't understand the hold for so long. The buyer loves the printer and he has even updated parts on the printer, changed some of the upgraded area and very happy with the printer. He bought it in as in condition with no warrranty as the bill states. But also the printer is a great deal and he loves it.
Consumer complaint received 2020-12-04
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 (NY)

4 chargebacks requested have been receiced back as credits the interest charges while awaiting 8 months for chargebacks are as follows : XX/XX/XXXX thru XX/XX/XXXX total XXXX $ Credits given for interest as follows : XX/XX/XXXX ( two entries ) XXXX and {$1.00} {$47.00} less {$42.00} = {$5.00} still due to zero interest out
Consumer complaint received 2018-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have contacted this company several times regarding the discharge of these loans as they were taken out by a school that have been closed for fraudulent activity. I now a ridiculous amount of student loan debt with no degree form a for profit school that should of never been allowed to operate in the first place. Every time I call no one can help me or they direct me to their website which does not have the information I need. To make matters worse my payments have now doubled ( without notice ) and my loan balance have gone up XXXX in less than 2 months. How is this possible? I see now why you guys are being sued. This is a scam and its disgusting how you are praying on people who were only trying to better their lives by getting an education.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports in other bureaus. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-08-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (TX)

I entered into a consumer credit transaction on XX/XX/2019 with XXXX XXXX XXXX XXXX, a consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but cash was taken by XXXX. The finance charge is also supposed to include insurance but XXXX made me purchase insurance separately.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UHG, LLC (FL)

United Holding Group purchased this debt from XXXX XXXX a while back. Since then, they have handed it off to multiple 3rd party collection agencies trying to collect this debt. I previously notified a prior agency and the original creditor I do not wish to be contacted and more importantly, they are not to contact employers, family members or any other party regarding this debt. Despite multiple verbal and written requests to stop, they continue to violate my rights under the FDCPA.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NV)

Today, I contacted American Express with an attempt to redeem an American Express Rose Gold Credit Card. The company notified me that I was denied based on my credit score. I did speak with a representative ( XXXX ) who told me all of the reasons why my credit was denied during this transaction. As a living breathing person of sound mind and body aware of my consumer rights, I understand that I am the owner of the credit and simply issuing a credit to myself. Via 12CFR1002 regulation ( b ), this act of denial is discriminatory and I would like to further look into this matter to come to a suitable resolution.
Consumer complaint received 2021-05-24
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. (AZ)

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month.

3 different dates on each credit bureau.

- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate.

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXX, Equifax, and XXXX correct and remove this inaccurate info from my credit report.
Consumer complaint received 2021-05-24
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: Experian Information Solutions Inc. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.
Consumer complaint received 2022-01-11
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. (MI)

I have been looking into purchasing a new home mortgage since XXXX of XXXX. Since then, I've interviewed 3 mortgage companies shopping around for the best rate, which is recommended. However, the housing market has made it difficult with low inventory and inflated pricing. Our search has taken way longer than anticipated. Since having to inquire with multiple companies over time. In this housing market it is necessary, for credit bureaus to make some adjustments to the length of time mortgage companies are allowed access to scores without impacting the borrowers credit score. I am not inquiring on multiple different loan types or even loan needs. These inquiries were all for a primary home starting in XXXX XXXX. Please take a look at the duplicate mortgage inquires and prescreening inquiry and delete multiples. 

I started with the most recent, XXXX  or XXXX XXXX XXXX, who was offering a down payment assistance program ( on a specific property we were interested in ) and required a credit check in order to verify eligibility and check rates. The offer sounded like a great program, but the rates offered were much higher than others, the loan officer is rarely available and hasn't answered questions about interest rates or APR, leaving me to believe they are an unreliable banking source. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2019-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NE)

XXXX XXXX from Midlands credit management has called my work everyday for the last 2 weeks I have told him I can not take personal calls at work and he keeps calling. I told him again today XX/XX/2019. He also calls my company cell phone after I ask him to stop. He has treated me and will not stop. He keeps trying to get my bank info.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
Consumer complaint received 2021-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a payment. to Bank of America card which was not successful. I called them and informed them that I have made alternative arrangements. I requested them to adjust the balance to reflect the new credit remaining. They said they would take care of it on XXXX XXXX2023. However I notice that they have processed the alternative payment but didn't adjust the credit available yet. 

Failed payment : Dear XXXX XXXX : Unfortunately, we were unable to process your scheduled payment for the following Pay To account, due to insufficient funds in your account : Recipient Amount Payment Date Reason Returned Pay From Account BK OF AMER VISA {$130.00} XXXX/XXXX/2023 INSUFFICIENT FUNDS XXXX  Action Required : This payment is still due to the Pay To account. Please deposit adequate money in your Pay From account and reschedule this payment using Bill Pay or make the payment using an alternative method. 

Note : Because we attempted to make this payment to the Pay To account, multiple transaction entries may appear on your Pay To account statement. 

If you have any questions, please contact us at XXXX. 


Alternative payment : Collapse transaction XX/XX//2023 Collapse transaction XXXX XXXX PAYMENT Transaction date : XXXX/XXXX/2023 Card type : Visa Transaction type : Payments Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX PAYMENT Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Bank of America Credit Card Payment Select to Edit the transaction category Online Purchase : N Type Payment - {$100.00} {$13000.00} Expand transaction XXXX/XXXX/2023 Expand transaction XXXX XXXX PAYMENT Type Payment - {$30.00} {$13000.00} ======================== I notice that the current balance has not been updated yet..resulting in an extra credit of {$130.00}. 

Current balance : {$13000.00} Amount over total credit line : {$0.00} Next closing date:XXXX/2023 Last payment date:04/07/2023 Last payment : {$110.00} Pay This Card Go to My Statements View your statements Statement balance : More about statement balance layer {$13000.00} Payment due date : Late Payment Warning : layer XXXX/XXXX/2023 Total minimum payment due : Total Minimum Payment Warning : layer {$0.00}
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Written numerous letters requesting debt collector to verify debt. Spoke with rep by the name of XXXX who could not verify debt information. {$260.00} XXXX which is reporting twice on my credit report from this company
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. (AR)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-04-07
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. (NY)

In accordance with the Fair Reporting act, The list of Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX Credit Acceptance # XXXX Child support Enforcement # XXXX. 

15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, and other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
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 — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (VA)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

We paid off our home loan on XX/XX/2021. We have not as of XX/XX/2021 received our escrow funds which are approximately XXXX We contacted company and they said, " check was mailed '', we never received it. We have a locked mailbox and have had not issues with receiving other mail. We started attempting to get this resolved in XXXX and have had a series of calls, maybe 4 or 5 at this point, where we have been informed they have to stop payment on check, ok... makes sense, and they need several more months to issue a new check... .really? 
Fact,1 ) Select Portfolio Servicing has sent us a letter confirming our loan, account number XXXX has been paid in full. 
Fact 2 ) SPS agrees they owe us the funds from our escrow account Fact 3 ) We have not been paid the funds Fact 4 ) .SPS is located in XXXX XXXX XXXX Utah Any assistance is greatly appreciated. 

Regards, XXXX XXXX XXXX.
Consumer complaint received 2023-04-07
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX 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
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, 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 a account without my written instructions