davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (SD)

LVNV Funding LLC, would see to be buying old debt and then re-dating it years ahead and charging interest well after debt has been delinquent. My account was for {$300.00} line of credit with XXXX XXXX XXXX, it went delinquent with a balance of {$370.00} on XXXX XXXX, XXXX. When LVNV Funding bought my account the delinquency date became XX/XX/XXXX and balance kept increasing to an oddly exact {$900.00} balance now. When i try accessing my account to see the accuracy of the balance and accounting i get a message that reads, - " This account is unavailable to view online at this time. Due to the current status of this account, we are unable to show information at this time. We apologize for that inconvenience. You may want to try again at a later time. '' -Ive tried again and again for months now. Tried contacting the service department where they could access my account and see and tell me the balance, said i could pay over the phone or set up a payment plan by phone. I told them i would like to see my full balance, they could send me an accounting of my balance or allow me to access the account online and i would consider making payment. They said since i had requested they not contact me at an early date, they could not send me paper work without me opting in on my online account. After going around in a circle with clueless phone operators for an hour asking " how can i opt in on my online account if i cant access my online account '' then being transferred to another department where they tell me we cant give you access to your online account until you've made a payment and have an account in standing order then we can reinstate your access to the account. I got fed up and came here. It would seem there has to be something criminal at play here and reading around I am not the only one to experience this type of runaround from this company. you'll find very few people who have had a good seemingly legal interaction with this company.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I made a payment to Capital One for {$3500.00} on XX/XX/XXXX causing a credit balance of ( {$1200.00} ). As I tried to pay for my groceries on XX/XX/2024, my credit card was denied which was embarrassing. I then tried to pay for my dog food on XX/XX/XXXX, and my credit card was denied which now I am humiliated. I called XX/XX/XXXX and they stated they were not sure and need to look into it. The first representative was not sure and got another representative. After being on hold for 25 minutes, they stated that my payment of {$3500.00} is to be held until XX/XX/XXXX and after that time I can use my account again. I stated this was unlawful and encouraged him to send a survey. The customer service again could care less as I guess a {$3000.00} credit limit is no big deal. I closed my account as this is complete unacceptable for being a customer for numerous years and of course I did not get a survey!
Consumer complaint received 2021-09-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

After having difficulty getting a cosigner release form from Firstmark, I filed complaint # XXXX as they would not respond to me. They did provide a release form in their response to you but never sent it to me. On XX/XX/XXXX I sent them a completed application and the requested paystubs. The form requests my permanent address, not my mailing address, which I provided. My mailing address is listed on my paystubs as it needs to be to receive my paycheck. XX/XX/XXXX, Firstmark denied my application because the permanent address provided does not match my mailing address. My mailing address is also the only one they have on my account.
Consumer complaint received 2021-09-02
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. (TX)

I, XXXX XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (CA)

I saw an account from XXXX appearing on my credit report today XX/XX/20 ; The only reason I was checking my report is because I am going to trade in my car in the next month or so. That account does not belong to me and I didn't allow anyone to open it using my personal/confidential information. I don't know who is responsible for this but I have already filed a police report. I did not benefit anything form this account being open in my name nor did I ever make any payments towards this account. I am not affiliated to that company in any way and I never gave them permission to access my credit information. I have filed a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.
Consumer complaint received 2020-09-07
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: Merchants' Credit Guide Company (TX)

On XX/XX/2020 Merchants Credit Guide added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Merchants Credit Guide has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I sent a letter regarding inaccurate information reporting on my credit report for a bankruptcy I also reached out to the courts and they stated we do not report to 3rd party credit reporting agencies. This company tacky behavior is violating my privacy rights, its been over 60 days later and I have not received a response back via mail. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the all listed items from my credit report it has been over 60 days so this item should be deleted immediately. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My Credit Score from XXXX submitted to a mortgage company is at 'XXXX  ' ( TransUnion ) which was based on XX/XX/2019. It was reported that I have -'serious delinquency ' -'too many delinquent accounts ' -delinquent account appears too recent ' These are not true and I refute all of these. We pay off our credit cards in full every month. 

Thanks, XXXX XXXX
Consumer complaint received 2022-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (NC)

I purchased a new Harley Davidson motorcycle in XX/XX/XXXX. During the loan, on separate occasions, I have to seek a forbearance for XXXX payments that were to be rolled to the end of the loan. This moved my expected pay off from XX/XX/XXXX, to XX/XX/XXXX. I receive XXXX calls per day from Harley Davidson Financial services on my cell phone regarding payments. This has been occurring for the last 6 months. I have requested a payment history, but the company refuses to provide one. The company states I still owe over {$9000.00} towards the principal on the loan. I only financed {$17000.00} at the start of the loan and my payments are {$360.00} per month. After 6 years of payments, the company is claiming that my balance has only decreased roughly {$8000.00}, although Ive paid over {$26000.00} in payments. By their numbers, it would add another XXXX years of payments onto an already 7 year finance period. This can not be accurate.
Consumer complaint received 2022-07-13
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. (CA)

In accordance with the Fair Credit Reporting act A, XXXX XXXX Acct not provided XXXX {$1400.00} 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 In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act A, 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have filed complain number XXXX that was closed without a correct resolution and I do not agree with their " investigation ''. I had no chance to refute their false version and they have not responded correctly to most of my questions. 

I requested it to be reassessed however bank of America remained silent. So I am opening a new complaint. 

- Why haven't I be informed of the potential closure of my account? 
- Why no one contacted me after my requests for negotiation and " promise to pay '' - Why have I filled out my financial information, the website said someone would contact me, and never did? 
- Why a supervisor agreed with me saying " someone dropped the ball '' when talking about my acount being without any support after I stated I was having problems to pay? 
- Why they said they gave a monetary support of {$40.00} ( referring to 2 late fees + interest ) when one late fee is {$39.00} so two late fees would be {$78.00} ( plus said interests ... ) - Why my account was not reinstated upon request since it was canceled without informing me it was on the verge of cancellation? 
- Why no payment plan was offered since I requested it on last complaint? 
- Why it is being reported incorrectly to credit bureaus given all the above said? 
- Why after I requested the contacts of the legal department to pursue legal actions the department has not replied to my email with instructions?
Consumer complaint received 2023-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Hello, my account XXXX was suddenly restricted, saying " Because you have continuously filed cases that do not align ... outlined in our User Agreement '', but since opening the account in 2020, I have been using paypal to buy goods normally, and I have not sold any goods and receive money, I don't know Why is my normal purchase of goods also considered to be a violation of the terms, is there any misunderstanding? If you need authentication, I can provide that, and up to now, in the past 3 years, I have only appealed 3 times, but I did file a complaint because the item was faulty and not received, 1 successful, 2 failed, The two times I failed I bought from XXXX, which is a second-hand trading site, but I was scammed by the seller Case ID XXXX, The seller sent me a fake, I submitted evidence, and you agreed to return the product, but you did not give me the return address, and I contacted the seller without any reply, and there is no entry on the appeal page to contact you, I can only fill in the tracking number and then send a message, but you did not reply, the case was closed, and the appeal failed. I just want to know the return address. I did not submit an invalid tracking number on purpose. Case ID XXXX, I bought a piece of XXXX clothes. The seller told me that he is also in OR state, and we can trade face to face, but for safety reasons, I asked him use XXXX  to send, but it has not been delivered. I checked the package is sent from PA state, I contacted XXXX, XXXX said that the sender of this package is XXXX, and I saw a newly registered seller on the XXXX  website selling the same clothes, the same pictures and descriptions, I realized that I was deceived, so I filed a complaint, but I don't know why I failed, I can provide more evidence, and you can also contact XXXX, I am telling the truth If you want more proof, I can provide it. I am using your service normally and have not violated any terms
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX is seling incorrect information to XXXX and Experian. I have expressed to XXXX XXXX XXXX that I have an equitable interest in the note that is being used. XXXX and Experian are major data furnishers that are selling my information for gain which makes this a financial institution because their intent is to gain capital gains. I have trade repeatedly to get these companies to follow federal law.
Consumer complaint received 2022-07-13
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. (WA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This specific XXXX Account # XXXX ( Credit limit of {$2600.00} ) Should be deleted from my entire credit profile. XXXX has requested the deletion but the Credit Bureaus have been dragging their feet with getting it deleted and this is slowing up my New Home/ Mortgage loan approval. Please have it deleted so i can move my family into our new home. Thank you in advance!
Consumer complaint received 2015-05-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (MO)

I have asked XXXX that XXXX validate this debt. I have received statement and looks like maybe a copy of a bill from Lowes date XXXX/XXXX/2010. 

portfolio has not removed this from my credit reports or validated this bill.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Someone hacked a friend 's XXXX and XXXX and asked me to send some money, first I sent XXXX and XXXX on XX/XX/XXXX and later XXXX on XX/XX/XXXX. As soon as I realized it was a scam, I call my debit card company, they told me to call Zelle  because that was the way the money was sent but they said there was nothing they could do, even though I told them the scamers were still in touch eaking for another transaction
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is alleging I owe a debt that is incorrect. XXXX XXXX did not disclose the contract is the security that is being used to fund this credit arrangement. The application XXXX XXXX submitted on my behalf only cause for collateral in the form of checks, notes, or bills of exchange per the Federal Reserve Act section 2. XXXX XXXX illegally forced me into pledge my real party as collateral for a loan I funded by submitting the application. The contract is deposited into the financial institution which is a financial asset and raises capital gain for XXXX XXXX that makes me an investor as the registered security has my name on it. XXXX XXXX knew that made me entitled to equitable interest which should have been applied to the account as required by law. XXXX XXXX has failed to compensate me for my investment and stole the property. XXXX XXXX is then selling this incorrect information to XXXX and Experian which is preventing me from getting credit which is my right. 

2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result. 
Desired Resolution : I kindly request your quick attention to this matter. It is essential that you take immediate action to rectify the inaccuracies by removing all false information from my credit report. I can not afford to endure prolonged stress and negative repercussions due to the inaccurate details