davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

I tried to open another online bank account and this bank checked my history with XXXX XXXX with Discover bank, Discover bank is showing my Account as Overdrawn and pending closed which is not true. I need Discover bank to correct this. I have no idea why Discover bank is showing this when I always had good terms with them, this is disgusting.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

Tjmaxx reported I was 30 days late paying XXXX this is not true. They charged a late fee after a payment was made when that wasn't paid they reported there was XXXX unpaid for 30 days. They caused my credit score to drop 56 points. I would like a audit of my count including the date and method they calculated the amount 30 days. I want the information removed from my account immediately. They have caused damage for that I will seek a cfpb claim, but they should not be able to report was is not true.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SF VAGO, LLC (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

It was on XX/XX/XXXX, around XXXX XXXX, at XXXX XXXX, XXXX XXXX ATM. It was my first time putting money in my card, so I didn't know that certain ATMs were made for certain cards. I imported {$740.00} CASH. The machine got jammed and never gave my money back. They said they'd give my receipt back, but it didn't. The machine also shut down ( I have a photo of proof ). It gave me back my money, but not my card or receipt. I think my school has CCTV, so the bank can easily check, but they didn't. I called the XXXX XXXX  ( my card bank ) and the school 's first bank ( the machine ). I spoke to multiple people. They said I could send an e-mail for a dispute, which wasn't able to be delivered. They told me the ATM number was XXXX. That's about it. They said they would file a claim. I called multiple workers and they didn't do anything about it.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all XXXX credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.
Consumer complaint received 2021-06-08
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. (GA)

In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Skrill USA, Inc. (CA)

My company was approved in XX/XX/2023 for a merchant credit card processing account with " PaySafe ''. Unfortunately, they use a LOT of different names for the same company, including " XXXX XXXX XXXX XXXX '', and " XXXX ''. Many times, I had no idea who was who, nor did I know that they were from XXXX. 

Our account was approved on XXXX XX/XX/2023, after a review of my companys BANK STATEMENTS that were sent on XXXX XX/XX/2023, for the following limits : {$5000.00} average sale, {$25000.00} maximum sale, {$50000.00} monthly average. By PaySafe 's own admission, they approved our account without properly reviewing the bank statements, or my personal credit. Naturally, PaySafe would like to paint us as a huge risk to them, when in fact they have become a huge risk to us. 

After just our fourth transaction, a customer attempted to pay his {$5000.00} invoice with a XXXX XXXX credit card. After receiving three " declines '' by his credit card issuer, the transaction was approved after a quick phone call to them by the customer. 

At no point in time was I told that this could be a reason, in whole or in part, to hold funds for up to 180 days. In addition, PaySafe said that the credit card information was manually entered. While this is true, I had no idea that it wasnt an accepted norm. At no point in time was I told that this could be a reason, in whole or in part, to hold funds for up to 180 days. 

Ultimately, PaySafe has held the money of three of our customers, for a total of {$18000.00} for up to 180 days. PaySafe also closed our merchant account, noting the reasons for closure to be actual processing observed is inconsistent with expected. The held amounts are XXXX XXXX, XX/XX/2023, {$3900.00}- XXXX XXXX XXXX, XX/XX/2023, {$5000.00}- XXXX, XX/XX/2023, {$9400.00}. We have advised our three affected customers to initiate disputes ( chargebacks ) against PaySafe to recover their funds. 

We will recommend that they each do as we will do, and make reports to their respective XXXX XXXX XXXX XXXX XXXXXXXX  ), State Attorney General Office, Federal Trade Commission ( FTC ), and other government agencies as may be appropriate. We may also initiate legal efforts to collect these substantial funds, in addition to any and all associated costs resulting from the actions of PaySafe.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (OH)

Upon contacting XXXX I was told they could not assist only to state the alleged balance and directed to Valor Intelligent Processing LLC a 3rd party debt collector. Valor stated they received my correspondence and the account was proven NOT fraud as they will continue to pursue! They could not produce relative facts as I demanded. I explained this inaccurate reported information is causing a hardship and needs to be removed. Not only is Valor Intelligent Processing LLC knowingly violating my consumer rights per 15 USC Chapter 41 they have No permissible purpose per 15 usc 1681b, they are knowingly causing tremendous pain to my family and I. This company is holding our family from getting a home due to them infringing my consumer rights.I attempted to handle this matter directly to no avail. Only to be mocked as I informed them once again how they are violating my law binding consumer rights. XXXX XXXX has to uphold the laws placed and is their civil liability per 15 usc 1692k. I will go to the extent of the law to get my due remedy.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE BANK USA N XXXX Date Opened XX/XX/12 Balance {$0.00} I'm just concerned about the validity and consistency within your present research and the delayed payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I asked for an evaluation due to the fact I noticed the item seriously isn't being documented recently. To my big surprise I received a document announcing that your investigation was accomplished and that the item had been " determined as exact. Placed under Section 1681 ( g ) take the time to render me with a summary of the method employed to prove the account is " accurate '' and supply me the name and addresses of persons phoned in every regulatings in the FCRA.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In accordance with the fair credit reporting act Bank of America XXXX XXXX has violated my rights 15 USC 1681 Section 602 states that 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 instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Funds Deposited in my account on XX/XX/2023 and on XX/XX/2023. 
I made funds transfers on XX/XX/2023 and two ( 2 ) on XX/XX/2023. 

I added a backup email to my account along with a back up telephone number. 

3 days later my account was blocked, I spoke with several account representatives to rectify the, issue. on XX/XX/2023 spoke with a account representative and was told I could go into a branch to prove my identity because I could not log in. XX/XX/2023 I went into the bank and presented my ID and was told the issue would be fixed. Problem still persisted although I can now log in but I can not complete any transactions.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

On XX/XX/2023, my wife called Rushmore Loan Management Services and made our XXXX Payment of {$3300.00} ( Acct # XXXX ) and received confirmation of the payment via Authorization # XXXX from the Rushmore payment system. While monitoring our Bank account to ensure the funds were debited via ACH, we noticed the funds remained in our account for a period longer than normal. On XX/XX/2023, my wife inquired with our bank to see why and learned that the ACH debit was not allowed due to an error with the input of the bank account number that was entered by voice on the call. My wife called Rushmore to see what kept the ACH from happening and was told she gave the wrong Account number when arranging the transaction. She then processed the payment again on XX/XX/XXXX. Our complaint is that if Rushmore uses an automated system to take payments, they should give us credit for making our attempt to pay on XX/XX/XXXX because we received a confirmation accepting the payment with the authorization number. The funds were available but we believe there may have been a glitch in their automated system that created the error. Nevertheless, we have never had a 30-day late for our mortgage, ever, and both of our credit reports took sizeable hits not reflecting our effort to make the payment on time.
Consumer complaint received 2020-01-27
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: Bread Financial Holdings, Inc. (TX)

my ex wife bought a car under her own name, i never signed or agreed to a loan but once she defaulted on the loan the creditor is trying to retrieve the balance owed from me. i should not have this loan info showing on my credit report. please request to have this removed
Consumer complaint received 2018-03-03
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have reached out to this company multiple times and I have heard nothing from them in regards to properly validating this account. They began to harass me via email and phone after I requested validation. I then told them to cease and desist via letter and they have continued to harass me with emails. I even reached out to the bureaus to have this resolved to no avail. I have reached out to them on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. [ These are just the ones I have green slips and letters for which are attached ].
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (PA)

I was gifted a prepaid card for {$400.00} operated by Netspend. I went through the steps to activate it and was prompted to provide my social security #. Since this information is not necessary to use a prepaid card, I did not provide it. From that point, I could not activate it online, so I called their 800 number. This system requires the verification of a social security number. If, as was in my case, you can't verify it, the automated system hangs up on you. 
Eventually, I figured out how to reach a person through this automated system. They also tried to get me to verify personal information, which they never had in the first place. They transferred me back to the automated system that didn't work. Finally, I got someone who said they could activate it if I emailed them a copy of my social security card and official government ID, which I refused to do. Then they said they could activate it but only for in-store purchases with an added fee of at least {$1.00} per transaction. 

Essentially, Netspend seems to me to be a phishing operation. They should not be asking for personal information such as social security numbers or photo ID to use a prepaid card.
Consumer complaint received 2021-02-03
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: Experian Information Solutions Inc. (PA)

I'm a victim of identity theft and I've provided the needed documentation to experian on several occasions yet they keep claiming that they haven't received them. This is keeping me from moving on with my life. It took me long enough to go through the process of getting the Court order declaring me a victim of identity theft. Yet I still have incorrect information reporting to my report.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Midwest Financial (WI)

Mortgage payment has been XXXX. It is through First Midwest Bank. 
In XXXX we submitted our usual payment. I got an email after XX/XX/15 stating that we were late. When I checked the website our payment had gone up to XXXX. We received no previous notification about this information. We submitted the additional XXXX dollars immediately and considered the matter closed. On XX/XX/XXXX, we received a letter stating that we owed {$160.00} to the First Midwest XXXX Department. I called them XX/XX/XXXX since XX/XX/XXXX was XXXX XXXX and was told First Midwest no longer services the loan, I need to talk to XXXX. XXXX states they have not charged us any late fees but yes the account shows we still need to pay this. First Midwest is now stating they no longer have access to the account either and we need to discuss with XXXX. XXXX has not uploaded the mortgage information so we do not know when or how to pay this money and nobody can explain to me why we owe this.
Consumer complaint received 2020-07-24
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. (CA)

On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's Equifax, XXXX, and XXXX  that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.
Consumer complaint received 2018-07-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (FL)

I took out a loan with US Bank in XX/XX/XXXX. The loan was for a XXXX XXXX, year XXXX. The loan was in my name only using my credit. My payments were made on time and the loan was even paid off early. In XX/XX/XXXX the loan was paid off and I receive a letter acknowledging that they received the last payment. The first letter stating the loan was paid in full was received by me on XX/XX/XXXX. The letter referenced an enclosed title or lien release, advising me to go to my local licencing agency have the U.S. Bank lien removed. Unfortunately, there was nothing enclosed with the letter. I contacted U.S. Bank to advise of this, receiving a second letter dated XX/XX/XXXX. This letter stated the same the vehicle was currently tagged in a state with ETitle and was released on XX/XX/XXXX. Unfortunately, again since there was not Lien Release provided, when I went to the tag agency in XXXX  there was nothing they could do. They had not received an ETitle from U.S. Bank. Finally on XX/XX/XXXX I received a letter enclosing the Lien Release Statement. Once again I went to the tag agency and once again there was not an ETitle with the state of XXXX. I promptly contacted U.S. Bank again and was once again provided a letter enclosing a Lien Release Statement. This latest letter was dated XX/XX/XXXX. To date I have been unable to obtain a title to my car. I have now relocated to the state of XXXX. Unfortunately, I can not tag my car in XXXX because I do not have a title to my car. I have contacted U.S. Bank again and to date have not had any response from them. The XXXX XXXX Tax Collector 's office has also sent a letter to U.S. Bank, this being on XX/XX/XXXX. I currently have a 30 day temporary tag on my car but I need to have this resolved because the state of XXXX will only provide me with one more temporary tag and after that I will have to garage my car. I can not believe a bank as large as U.S. Bank can withhold someone's title to their car. All I want is for them to do the right thing and provide me a title to my car. Thank you.
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: Nelnet, Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, h

as 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 a 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 and purpose.