davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX Experian XXXX XXXX XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to Experian Credit Bureau three times. And I received investigation results letter by mail and Experian still refused to deleted inaccurate on my credit report.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I opened a XXXX XXXX credit card ending in XXXX XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX it was closed by XXXX XXXX. Not sure why except that they told me the credit bureau said it was reported as fraud. Not sure who or why that happened, but it did. Meanwhile, I couldn't make payments and the account wasn't available online. I made numerous calls through XXXX, XXXX, and XXXX to see what I needed to do and to make any payments. I was told every time that I couldn't make a payment and the representative even telling me it was greyed out on their end and they couldn't even accept payment. I made a call at the end of XX/XX/XXXX, due to another letter coming to me by mail to fill out a fraud report. I had told him there was no fraud and asked what I needed to do. He said they had finished their investigation and would send me a letter. I specifically asked if I needed to make a payment and told him about my past calls and not being able to. I also asked specifically about what I needed to do to ensure that my credit wouldn't be affected. He said I would receive a statement when the investigation was done, which it was and I could make a payment. 

Once I received the statement I made a payment. I wasn't able to access online but called. Later in XXXX, I received notification from Experian that XXXX XXXX reported XXXX as a 30 day late which shows as a late on the credit bureau reporting. 

On XX/XX/XXXX I called XXXX XXXX 's fraud department that I had been in contact with during this entire process. After the person helping me realized it was XXXX XXXX 's mistake due to me not being able to make a payment and the rep 's all saying the same thing, she got them to send a letter to the bureaus to say it was XXXX XXXX 's error. 3 days later, the late reporting was removed from my reports. 

In XXXX, the late reporting showed back on my reports. I had received a letter from XXXX XXXX dated XX/XX/XXXX that confirmed I was current for XXXX, but the issue is XXXX not XXXX. 

Please help me get this removed from my reports.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I opened an account and made one purchase at XXXX. I understood that I would receive a card and statement in the mail. I did receive the item purchased fairly quickly but waited to receive a statement. One did not arrive until XX/XX/2021, a full 3 months after the purchase and to date I have not received the credit card. Without the credit card or statement I did not have the account number nor the phone number to know how to contact the company. When I did receive the statement on XX/XX/2021 it indicated {$100.00} total fees charged and interest charged of {$2.00}. The statement I receive does not indicate the item purchased or the amount of the purchase but based on simple math it would appear that the items purchased was {$25.00}. 
I called to make a payment and to ask why I had not received a card or a statement prior to this date. I was told that the statements were paperless ( which I did not request ) and they only verified my address but had no response to my inquiry about the card. I have always paid my bills and would have done so with this company had I received any information. I did not find any emails and can only assume that they went to spam and eventually disappeared. 
The representative do nothing to abate my concerns and told me they have now closed this account. I did pay all of the balance due on the account but can honestly say this is the worst experience I have ever had with a credit card company. Not only will I not use this company ever again, I will not be making any further purchases with XXXX since they are using this company.
Consumer complaint received 2021-07-03
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 — Investigation took more than 30 days
Company: Profit Services Group (GA)

I reviewed a current copy of my credit report and show inaccurate or incomplete information listed on my credit report. I show an alleged collector Profit Services Group Account number XXXX. I have never seen or heard to this collector and I have not received and information that has verified such debt in the amount of {$1200.00}. I this alleged account is a direct voliation for FDCPA and has not been verified and has cause due harm to my credit. Please delete this account.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2016-04-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

Citifinacial received a default judgment against me in XXXX XXXX. In XXXX XXXX I settled the charged off account with Citifinancial. Since XXXX I have attempted to work Citifinancial and XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, SC office to get a Satisfaction of Judgment submitted to XXXX County Clerk of Court. Attached is a copy of the settlement offer and also a copy of the letter I received from Citifinancial showing the charged off account was satisfied. They refuse to submit the satisfaction of judgment information and this continues to negatively affect my credit standing and causes me to incur higher interest rates and fees or being outright denied credit. 

I am also submitting a complaint to the Consumer Financial Protection Bureau, XXXX, as well as seeking legal representation for damages caused by Citifinancials ' inaction. 

Judgment number with XXXX County : XXXX Account Number with Citifinancial as shown on credit report : XXXX
Consumer complaint received 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (FL)

My final car payment ( payment # XXXX of XXXX ) was not auto drafted from my bank account when it was due XX/XX/XXXX. This was not because of anything I did ( low balance, etc ) but because of a " Terms and Conditions '' I agreed to over 5 years ago when I set up my loan to be paid off with automatic payments in XXXX of XXXX. 

It is unreasonable for a consumer to be expected to remember one specific detail about Terms and Conditions ( that 99 % of people don't read anyways ) five years after for a clause that only kicks in at the end of the 5th full year. 59 of 60 payments made on time exactly ( not to mention 15+ years of always on time payments to all other financial responsibilities I've had ). The other issue is they create confusion by continuing to report auto-pay is turned ON for even once at the final payment time showing it is still enabled - which is very confusing for a consumer to understand what is going on ( see attachment for proof ). 

As soon as I became aware of this, the final payment was made same day. I had absolutely zero financial motive to withhold a payment, nor did they do their part to call or email me letting me know any of this was happening. If it weren't for optional credit monitoring I chose to subscribe to, the first time I would have found out about this could quite easily have been the day they opted to repossess my car. 

That is an incredibly scary position to be in for a consumer and is a policy I believe takes advantage of consumers to ruin their credit ( my score dropped 111 points because of this one miscommunication ). I further believe they are misinterpreting the Fair Credit Act ( FCA ) and that they do not actually have a requirement to leave this delinquent mark on my credit reports for a policy entrapment they themselves set.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I submitted a letter from XXXX stating that my account was paid as agreed. But experian credit reporting agency is saying that the account was paid for a lesser amount that was owed. Even though the letter is saying other wise. I disputed this two times with them but they are still reporting paid for a lesser amount.
Consumer complaint received 2016-02-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I have a chase bank account. I have noticed at least XXXX charges which are incorrect.XXXX charges which were actually payroll EFT`s on XXXX/XXXX/2016 and XXXX/XXXX/2016 were noted but were treated as a charge.I do have the check stubs on hand in pdf. format. Also a charge of XXXX which is listed as being from the Social Security Administration. However on contacting them I found out that they had no record of that charge. I also noted that at least XXXX payments to XXXX XXXX XXXX listed only as credit card payments have disappeared from both my online ledger and are not noted on my pdf. statement for that month of XXXX. I was apparently a victim of identity theft as there was a loan taken out in my name of XXXX dollars from lendup.com on XXXX/XXXX/2016 followed closely by the debit. Also it there are XXXX lines of transactions which merely state remote online deposit XXXX and then XXXX.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (CA)

Consumer Portfolio Services reported the incorrect balance of {$2800.00} on XX/XX/2017 for my car loan account to XXXX, XXXX, and XXXX credit agencies. Prior balance reported as of the XX/XX/2017 statement was {$2800.00} ; payment posted to my account on XX/XX/2017 for {$1800.00}. Current principal balance on my account is {$1500.00}. Please verify & correct the information being reported by CPS, XXXX, XXXX, and XXXX in error.
Consumer complaint received 2021-03-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX CARD SERVICE with ACCT # XXXX opened on XX/XX/2015 with a balance of {$31000.00} -This is not my account.
Consumer complaint received 2021-03-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Possible Financial Inc (FL)

Possible Finance was trying to collect a payment from me for {$43.00}. I have been over a year been unable to make the payment due to their inability to let me update my information online/through the application. I was forced to email them, as during COVID they were not, and are still not taking calls. No one is returning my emails so that I can clear up a {$43.00} debt. They continue to report me late, and it is hurting my credit. I have emails for over a year to pay and delete this account off of my credit report.
Consumer complaint received 2022-01-04
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: North Shore Agency, LLC (TX)

Received a letter in the mail from North Shore Agency, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX stating that they are writing to collect {$24.00} that I owe for XXXX magazine subscription. 
No other details about my subscription provided to substantiate for which subscription period etc. 

I have all records showing subscription is paid and check was cleared by XXXX XXXX magazine for my current subscription.
Consumer complaint received 2021-07-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I am in a income based repayment plan. I pay XXXX a month. I am a XXXX citizen. I have worked in Public service and XXXX XXXX for over 20 years. I was told my loans ( XXXX ) do not qualify for any loan forgiveness program???
Consumer complaint received 2018-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

Creditor is reporting accounts that are invalid and unverified. XXXX   XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

XX/XX/2021, made a purchase with prepaid card thru Paypal for XXXX received confirmation with the order number. Later that same day the company authorized the same amt for XXXX and then hours later again for XXXX. This put a pending hold for 3 amounts of XXXX on my Netspend account, immediately I checked and confimed it was for 1 order. I tried contacting Paypal informed it couldn't be disputed since they hadn't taken the money. I cancelled the card with Netspend because of unauthorized charges and contacted the company. They cancelled the order-did n't know why it was trying to take out more money and sent an email confirming cancelled. A week later there is still 3 pending amounts for XXXX. Netspend said it will still show pending for 30 days because the company can still take the money and I'm not able to have access for those 30 days. The card is cancelled, an email confirming cancelled and Netspend refuses to release money and said nothing they can do. Per Netspend I should dispute charges but when I went online with Netspend to dispute, they sent email saying can't dispute because all 3 transactions are pending. I have talked to the supervisor and was told this is a Netspend policy to hold pending transactions for 30 days without the funds being accessible. The card is cancelled, and it appears the company was trying to check how much money I had in my account was a scam.
Consumer complaint received 2020-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (FL)

At one point in 2019 I went to XXXX XXXX XXXX XXXX in XXXX XXXX, And despite having insurance and filling out the financial aid form while in the hospital but somehow it was missed placed XXXX someone dollars got turned over to the united collection bureau I have since written the hospital cleared up the matter I have a letter from the hospital saying that I have a XXXX balance disputed this with both the credit reporting agency and the debt collector, Further this particular collection agency violating my civil rights under the Hyppa laws illegally having access to my medical records and giving me no indication what kind of storage practices they keep for keeping that information safe for all I know it could be up on the company bulletin board and I never released the hospital to give my medical records to the collection agency so you guys are my last attempt before I go to court and sue the hospital the collection agent as well as the credit reporting agency for continuing to report false information anfurther this particular collection agency violating my civil rights under the Hyppa laws by illegally having access to my medical records and giving me no indication what kind of storage practices they keep for keeping that information safe for all I know it could be up on the company bulletin board and I never released the hospital to give my medical records to the collection agents so you guys are my last attempt before I go to court and sue the hospital the collection agent as well as the credit reporting agency for  continuing to report false information and refusing to give any copies of what the collection agent reported, this has had a negative effect on my credit and caused me mental anguish that persons who shouldnt have my medical information do, and these people of low moral standards wont remove false information even provided with proof. It is unacceptable that a credit agency which is merely take the word of a collection agent when I have proof and it is even more unacceptable that a collection agent has my medical records in violation of HIPAA laws ...
Consumer complaint received 2016-10-31
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank foreclosed on my home located XXXX XXXX, XXXX XXXX, Il XXXX loan # XXXX. The XXXX demolished my home before any foreclosure proceedings and I have been informed that Chase authorized XXXX to demolish my home which violated my rights as a homeowner. Additionally, Chase has failed to properly update XXXX Neighborhood Watch System with the foreclosure dates. Since they have refused to properly update XXXX System, they are preventing me from purchasing a new XXXX financed home because XXXX system states that the Chase loan is still active or open.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I let XXXX know they was in violation of 15 U.S. CODE 1681N ( B ) 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.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Dear Concern Person Greeting of the day. 

I'm XXXX XXXX from XXXX, I am running online business on XXXX and got my all payment through Paypal. In the month of XXXX XX/XX/2021, Paypal hold {$2400.00} for 180 days. 

I contacted them than they promised, I will get this amount after 180 days. 

Now 180 days about to end and Paypal deducted all {$2400.00} amount without any notification. 

I contacted PayPal customer care but they do not have proper information about deduction and they disconnected the call & now they blocked my number and im not able to contact them now. 

I'm XXXX widow with XXXX girls responsibilities. im totally depend on this income. 

This is big amount for me, I took loan to set up my business but just because of PayPal I loss everything. 

I am very much fed-up and do not know how & where should I complaint against it as PayPal is not ready to listen. 

I go through all their policies and I haven't broken their policies but still they deduct my all amount. 

Please help me in this matter as PayPal is doing big Scam in XXXX Market. 

Thanks & Regards XXXX XXXX XXXX : XXXX Email : XXXX Address : XXXX, XXXX XXXX, XXXX, XXXX XXXX - XXXX.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Neon Newco Corporation (WA)

The credit company called net spend will mail you a actual debit card and will and when you try to cancel it they ask for your social and after that is entered they say no account is linked to the account and ask you activate their card
Consumer complaint received 2022-01-04
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. (MA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.