davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (TX)

This is a formal complaint against Capital Accounts located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, [ under 3 different business names, ] and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Capital Accounts has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2018-06-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (FL)

Nelnet is trying to collect from me, however I have no contract with this collection agency and do not owe them anything. 
I have an unverified account from Nelnet. Nelnet can not provide me with any original paper work, signatures or ID copies.
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Hello my name is XXXX XXXX, my complaint is about PAYPAL!! well my fianc had {$95.00} USD in her paypal account so when she tried to withdrawal the funds for whatever reason it kept giving her some type of error message so, not knowing any better she transferred the funds into my paypal account to see if we would have better luck with mine but seemingly it has opened up a whole other set of problems!! well since the pandemic the local XXXX offices have been closed. so unfortunately my license plate tags have become expired and i had gotten pulled over for the tags being dead so long story short the police officer said he had to take my plates and my D.L 's, leaving me without any form of picture I.D . well paypal says they limited my account from being able to do anything like send receive or withdrawal funds until I upload a picture I.D that is not expired. well I tried and tried to make them understand that i could not get another one made due to the pandemic and that i desperately needed the funds because we had no income at the moment due to pandemic as well and that every XXXX counts right now even if it is only {$95.00} dollars. BUT TO NO AVEIL THEY INSIST THEY WILL HOLD MY MONEY UNTIL PICTURE I.D IS UPLOADED!! PLEAAAAASE HELP!!!. also i asked them why the limitation was put into effect to begin with when its the first transaction ever done!!??? I have called and called and called cant get anybody on the phone and very seldom someone replies to my messages after days and days of waiting!! i have since heard so many horrible stories of the unfair and terrible business paypal does from sooo many people WHY IS THIS COMPANY NOT HAVING TO COMPENSATE FOR THE TERROR THEY BRING TO SO MANY PEOPLE??!! Thanks and God bless you and your families
Consumer complaint received 2021-04-23
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: Westlake Services, LLC (CA)

My XXXX  credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/21 someone called my from the bank 's member service number claiming to be from the fraud department. This person gained access to my account and made unauthorized transactions on my account. I immediately called CHIME that day explaining what had happened they disabled my account until XX/XX/21 and I submitted my disputes for the payments that were unauthorized. The bank is telling me I have to wait until XX/XX/XXXX to maybe receive a provisional credit to my account. This is frustrating because Ive spoke with numerous representatives from chime who claimed that they were working on figuring out how scammers were using their number. It's been over a week and I am still fighting to get my money back and chime acts like they don't care.
Consumer complaint received 2020-07-14
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. (TX)

My bank has a predatory policy of ending online banking account access for consumers if a checking account goes negative. This resulted in me being unable to receive timely notifications with regard to account changes and due date changes during the Covid 19 Pandemic. 

My bill was due date was XX/XX/XXXX. I paid it in the bank drive through at XXXX XXXX  XX/XX/XXXX ( 29.5 days after the due date, short of the 30 full days guaranteed by the fair credit reporting act and the the 2009 Card act before reporting to the credit bureaus ). This was reported by the bank to the credit bureaus as overdue. After acknowledging that I paid in full short of 30 full days overdue in an exhaustive month long exchange with the banks Vice President of  lending, they determined that the bill had to be paid before the 30th day, rather than before the 30th day at close of business ; which is not in keeping with the law.
Consumer complaint received 2017-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I recieved a copy of a collections bill from XXXX XXXX XXXX and would like debt validation from them and XXXX XXXX- I have been disputing the validity of this debt and it continues to not be validated.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MO)

I feel like this bank, PNC is discriminating against me and XXXX  XXXX, my account has been frozen for a fallacious report of a XXXX  wire transfer. It has been nearly 2 months since my account has been frozen. This will put us XXXX XXXX XXXX. The XXXX XXXX  XXXX XXXX has yet to respond to PNC. I have provided documents to PNC regarding the wire transfer and they are moving very sluggish and treating me as if don't matter. They freeze all of my money in my account being over {$100000.00} legit hard earned money. Updates have been slow and not anything at all. I feel like we are being mishandled as a business.
Consumer complaint received 2018-06-13
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. (TX)

In XX/XX/XXXX I became aware that a creditor on a loan I recently paid off, XXXX XXXX, reported me 120+ days late the next month on my Transunion report. This was a surprise to me, as I had a good payment history with this company and had paid the loan off early on XX/XX/XXXX. They had even sent me a Paid In Full letter on XX/XX/XXXX thanking me for being a good customer, having a positive payment history, and inviting me to apply for a loan in the future. I never received any communication from XXXX XXXX that anything was wrong with my account. My Transunion report prior to XX/XX/XXXX reflected the accurate positive payment history I've always had with this creditor. On XX/XX/XXXX I mailed a dispute to Transunion via Certified Mail Return Receipt requesting investigation into these errors. I sent a cover letter, a copy of my credit report with the errors circled, bank statements showing full on time payments for the months in question, bank statement showing the final early payment in XX/XX/XXXX, and a copy of the Paid In Full Letter from XXXX XXXX dated XXXX to support my request ( all uploaded for your review ). 

I just received the results of my investigation today XX/XX/XXXX via mail. The errors were only partially corrected, despite providing documentation of my positive payment history. The report now reflects disputed information updated : Pay Status remained " Account 120+ days past due date '', late monthly payments were removed in the monthly detail now showing OK, balances were changed to {$0.00}, Last Payment Made shows XX/XX/XXXX, and a notation under the date closed on XX/XX/XXXX stating " Maximum Delinquency of 120 days in XX/XX/XXXX ''. 

The results from this investigation do not make logical sense. I did not make my final payment on XX/XX/XXXX, but rather on XX/XX/XXXX. How is it possible that the monthly detail shows on time payments, but then the Pay Status reflects 120 days past due which contradicts the monthly detail? How can there be a note stating " Maximum Delinquency of 120 days in XX/XX/XXXX '' with my monthly detail showing on time payments? I do not understand how this information can be verified as accurate when I have provided upfront documentation demonstrating otherwise. Please help me make sense of this. I am a retired XXXX veteran living on XXXX ; my credit rating is essential to my quality of life. These changes Transunion has " verified '' as accurate have destroyed my credit and negatively affect my quality of life. I respectfully request that your agency investigate this matter on my behalf. Thank you.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IL)

This is not complaint but plea for help by waving interest fees I have a Best Buy account thru Citi Bank, I have made promotional purchases before the Covid pandemic hit the US. I do XXXX XXXX XXXX, since there were no events for more than a year now I have not worked. During that time I and also i have become XXXX and had a back XXXX. Right now I am on SS assistance, I would like to ask XXXX to take off the finance charges and not to apply new promotional interest charges, so I can pay back the amounts i owe for purchases with out going delinquent on this account.
Consumer complaint received 2020-06-28
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. (TX)

I took out a loan w XXXX XXXX XXXX a new car dealer - I paid XXXX XXXX in finance fees - I paid 3 payments - before schedule- I went in hospital with XXXX- XXXX XX/XX/XXXX I thought the loan was auto pay - it was not In XX/XX/XXXX - my car was broken into through front and damage was XXXX - my insurance - XXXX sent me a check made to XXXX XXXX and myself - I called XXXX and explained-I asked to endorse check and send to XXXX and said apply 2 payments - XXXX per mo x 2 from check - apply coverage to acct or send to me - XXXX agreed and I said I'd XXXX to them - I did and it was received next day - I called and they said they did receive- Now there saying they would return check to me - but held the check - saying they need repair bill - per my attorney XXXX XXXX- she sent them demand letter to return check or apply to my acct - XXXX reported to the credit bureau late payments twice causing my score to drop 100 points and my credit cards interest to 22 % Costing XXXX est - They sent me a letter saying they reported correctly- Exeter is defrauding me - lying to me - On a recorded line they said they would apply to my acct - I paid XXXX XXXX Now ruined my credit by fraudulently reported inaccurate to all 3 bureaus There still holding my check from XXXX XXXX says they will see if they can issue new check- supervisor checking Not the 1st time w XXXX issue XXXX replied Cfpb has numerous complaints on XXXX concerning fraud - I want the payments applied to account or check returned I sent in additional payment XX/XX/XXXX I want my credit corrected or I'll sue XXXX For false pretence and verbal fraud of financial instrument -
Consumer complaint received 2021-03-25
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. (IN)

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (NJ)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL
Consumer complaint received 2020-07-14
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. (NJ)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (MD)

I have a loan being financed through XXXX XXXX XXXX XXXX. It is not being report on my consumer report. My consumer file is inaccurate and incomplete. Its not reflecting my payments to my lender. Under FCRA 611 laws I need my account to report to my consumer file.
Consumer complaint received 2021-04-23
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. (FL)

ON XX/XX/21 I sent a letter to the three credit bureaus in regards to negative accounts that are incorrect and I asked them to investigate and respond to me and they have not. 

these are the accounts I asked them to look into. 

1. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 2. XXXX ACCOUNT NUMBER : XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX 4.XXXX XXXX ACCOUNT NUMBER : XXXX 5. XXXX XXXX ACCOUNT NUMBER : XXXX 6. XXXX XXXX ACCOUNT NUMBER : XXXX 7. XXXX XXXX ACCOUNT NUMBER : XXXX 8. XXXX XXXX ACCOUNT NUMBER : XXXX 9. XXXX XXXX ACCOUNT NUMBER : XXXX 10. XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-01-24
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: ERC (DE)

Enhanced Recovery collection placed someone elses debt on my credit report and they stated it was from 2008. I have no idea who these people are and was never a client of theirs. I never had XXXX  or whatever it is reporting. 

XXXX XXXX ignored a dispute claim I filed on the card they are reporting and never investigated. It was multiple charges on the card thats were fraud.
Consumer complaint received 2020-05-10
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. (FL)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (TX)

in 2019 BBVA BANK did not renew my card upon expiration. the reason for closing my visa credit card account that was never late was that i had a few cards max out around that time. i explained i am a business owner and i XXXX XXXX  and it is common for m debt to go high and then go back down upon closing a project and receive payment. 30-60 days prior to this decision by BBVA i also paid off a unsecured personal loan of $ XXXX that was open a little over a year .... i did bring this up to the rep making this decision and that did not matter. within the last 8 months they have disabled my account login which had an external business checking account attached so that i can make payments from anywhere since the BBVA BANK locations are not in all states or cities so that makes it difficult to make payments in person unless i am in texas. disabling my log in access has also restricted e from seeing my balance amounts and payment dates or minimum payments due. i am on hold right now for the third time today while creating this complaint with ftc because i can not reach an in states representative that can understand my attempt to make a payment. they keep repeating what i say back to me without resolving my payment processing issue and i have asked several times for an account supervisor or someone in the states to speak with. i am in XXXX florida this past 5 weeks and there are no BBVA branches in the city of XXXX or in the XXXX  florida area. the overseas call center in XXXX just leave you on hold or taunt you by reapeating and stretching out your call as long as possible. so i can not log in to pay my payment because BBVA disabled my login on my credit card that was closed by BBVA and i can not get an in states rep or supervisor to make a payment over the phone for a closed account. yet they want a late fee for a payment they make it impossible to make for an account they closed and blocked log in access to.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

I would like to put in a complaint against Selene Finance and the lender who has my mortgage. I have tried several times to process a loan modification. They are not calculating my income correctly. I keep getting denied as they state I do not make enough money. I was placed on furlough from my current employer from XXXX due to the COVID-19 pandemic. They state that they are willing to help for whoever has been effected. However, they are not calculating the money I received off of unemployment. Why do they ask for 3 years worth of tax returns and W-2 's if they are only going to look at 1 year? Selene also states that they will not use my boyfriends income as the lender does not allow it. However if we were married they would. Even though he is not on the loan. Basically I am being punished for not being married. My boyfriend and I have been together since XXXX and we have lived at the property together since the day it was purchased in XXXX. In New Jersey this is considered common-law. We have written several letters to Selene, basically to be denied every time. This has been going on for over a year causing me to fall more and more behind as they will not take a payment from me. Thank you for your time.
Consumer complaint received 2020-07-10
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.