davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The auto company XXXX XXXX XXXX is showing me 180 to 190 days past due on my auto loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my XXXX  loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do
Consumer complaint received 2021-10-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and/or updated immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On or around XX/XX/2020 my chime account was fraudulently used to make unauthorized purchases on my XXXX account. There was XXXX charges that totaled the amount of {$80.00}. I have had XXXX write me numerous letters stating that this was definitely fraudulent activity. I even had XXXX and chime together on a conference call hoping that this would resolve the issue but it still did not work. When i talk to chime on the phone they even agree with me that this does look like fraud but they say they cant do anything about it because its already moved to their dispute team. The last time i spoke with XXXX and chime together XXXX provided me with XXXX IP address to give to chime stating that those would show that I did not make the purchases but after sending chime the information they still refused to release my funds back to me.
Consumer complaint received 2021-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

It started with XXXX XXXX. I wasn't aware that I owed a balance of {$120.00}. I relocated. When I first got a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX I paid it off with no complaints. Months later I received another collection letter from the same account but from XXXX XXXX for the same amount. I mailed them and faxed proof of my paid in full documents. This continued on from multiple collection agencies ( XXXX XXXX XXXX, and XXXX XXXX  XXXX ) Recently on XX/XX/2021 I got another letter from Jefferson Capital Systems LLC. I sent them also the proof of paid in full. Jefferson Capital Systems continues to send me another threatening collection bill on XXXX XXXX. I dont know what to do. Please help me put an end to this issue. Thank you for your time.
Consumer complaint received 2021-10-22
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 — Their investigation did not fix an error on your report
Company: RFNA, LP (AL)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

XX/XX/21, transacted to send money through XXXX internationally in the amount of XXXX, the funds are available but Citi Bank, keeps declining my transactions and also with other merchants like XXXX.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

Hi, I am having nothing but issues with M & T bank. I've made sure to follow every request the bank made to keep on good terms and on XX/XX/XXXX, I have received received letter stating that the bank can no longer do business with me and will be closing my account. I've called my local branch, as well as corporate and they will not give me a reason as to why it is being closed. It is my right to know what, and why this is happening and they refuse. I feel like I am being neglected by this company and as if they do not care about what I have to say. I would like to legal action action against M & T bank if possible.
Consumer complaint received 2021-10-22
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (AL)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I initially began my student loan repayment with XXXX utilizing their direct payment option. My loans were transferred to FedLoan in XXXX. I contacted Fedloan in XXXX of XXXX to request a recount of my eligible loans. No updates were given and no changes were made to my account. I again contacted Fedloan in XXXX of XXXX, no updates were given and no changes were made. I called Fedloan in XX/XX/XXXX and was told there was no person I could speak with as this is a separate department, and that I would need to wait upwards of a year and that I will be contacted when the review is complete. I was never contacted, so I submitted a complaint to the ombudsman in XXXX of XXXX. This issue remains unresolved. 

Per The Ombudsman I have a review open for the payment periods of XX/XX/XXXX to XX/XX/XXXX. As part of direct payment plan with XXXX ( as this supporting documentation will show ), I completed payments in the amount due, on time, in full from XX/XX/XXXX until XX/XX/XXXX when my loans were moved to Fedloan. From that point forward I have paid my loans with direct payment plan from Fedloan in the amount due, on time, and in full until the administrative forbearance imposed by the federal government due to COVID.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (MN)

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell XXXX and Experian are also reporting the same error.
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MD)

I do not own any credit cards and have not opened a credit card in 10 years. This account is fraudulent and does not belong to me. Please stop contacting me as I do not own a credit card and havent owned one in 10 years.
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (PA)

On XX/XX/XXXX i went into XXXX  XXXX  XXXX XXXXXXXX ,ny around XXXX XXXX .i went to with draw frow us bank relia card with bank numbers starting with XXXX ending with XXXX custumer id # XXXX. I asked for XXXX they deucted the money off my bank card i never got it. XXXX XXXX. Told me they were going to put the money back on my card of XXXX and XXXX. From XXXX XXXX. I ask that to be refunded to my us bank relia card of bank card number XXXX XXXX XXXX XXXX XXXX was the bank teller at XXXX XXXX. Transaction number cid # XXXX. i need alll this to be refunded to me
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All inquiries from XX/XX/XXXX and XX/XX/XXXX from both XXXX and TransUnion I disputed several times with both that they were unauthorized
Consumer complaint received 2022-08-02
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. (IL)

I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating " they do not report any bankruptcies to anybody. So if that's the case, how did the credit bureaus validate my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 2022-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

This complaint is about PayPal 's failure to explain an email to me from them that discussed a transaction ( that was reversed/cancelled ) that I do not to this day recognize, I attempted for several hours to get information from PayPal, even talking to a supervisor to no avail. No one at PayPal in their XXXX call center can explain to me why I got the email, why I got it way after the alleged transaction, why the situation was that created the email and alleged transaction- nor can PayPal give me any details. I have XXXX PayPal accounts. They are in good standing. I sent the email I received from PayPal, that appeared suspicious to XXXX and all I got repeatedly was " canned '' automatic responses. No one responded to my questions about the transaction and the email. Then I called to no avail, sent the email in question as directed by a supervisor to XXXX from a different email address of mine from the one I received the email from XXXX ( and sent multiple emails to XXXX ). Still, no one could tell me anything about why I got the email in the first place nor more details regarding the transaction that allegedly was a money request that was cancelled. Given that I was the victim of identity theft through XXXX AND Paypal years ago, I am concerned. Despite my telling PayPal this, they appear not to care whatsoever and were of no use or help at all in just telling me to send it to XXXX ( which I repeatedly did with NO human response back ). I want to know more about this email and transaction. PayPal has an obligation to explain emails that they originate!
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TRUSTMARK CORPORATION (TX)

I was selling my car back in XX/XX/2019. I got contacted by a party and they sent me a check of XXXX $ to book the car since they were travelling from XXXX  to XXXX  and wanted the car. I deposited the same in my XXXX  XXXX XXXX account. 

In a couple of days i was approached again and was informed due to some personal set backs they cant make the trip at that time. I was offered to keep XXXX $ token money back and return the remaining XXXX XXXX 

Hearing to the set back story I decided to do the same. Once that transfer was done, the next day check bounced and i was charged for over draft as well along with the XXXX gone from my account. 

The mobile number which i was contacted from and have the entire chat along with check pic was XXXX XXXX Kindly help me with this. Thanks in advance.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

CREDIT COLLECTION SERVIC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVIC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX FL XXXX *
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (AR)

Hi my name is XXXX,and I have several store credit card through Synchrony Bank; however I have card XXXX on all of my credit cards; so I am XXXX, with XXXX,and I submitted a claim to synchrony bank/ card security and I was told that I was not Eligible due to not having an Eligible doctor; My doctor; XXXX was terminated from his office, due to drinking on the job, however my doctor had already completed my XXXX forms before he was terminated, and I have tried to reach out to him, but he is unavailable due to being terminated.I always pay my insurance on all of my credit cards through synchrony bank, however my XXXX, and has been for awhile, I was diagnosed with XXXX,and had XXXX last month; it's very hard already for me to maintain daily, but I just don't feel that it is fair to pay for insurance and can't use it because my doctor was terminated.I am now awaiting the transfer of my medicine records from XXXX office, to obtain a new physician, but it will take time to get set up under a new doctor care, meanwhile my bills are continuing adding up, with buying XXXX and gas it's very expensive
Consumer complaint received 2022-02-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX {$10000.00} 15 U.SXXXX Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2021-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NJ)

My account with the money source ( formerly with XXXX XXXX ) has been consistently put into forbearance since 2020. I have repeatedly stated that I never wanted it to go into forbearance. I have asked for the paperwork / proof that i requested the loan go into forbearance. I have been denied access to that proof, while each lender, currently the money source, keeps making changes to my account without my consent. 

I will repeat, my account has been repeatedly put into forbearance without my consent. Basically, changes have been made to my account without my consent. 

I have requested the proof of my request for forbearance from my lender and I keep getting denied that proof. I believe that all my lenders are complicit with the illegal activity being sanctioned against me.
Consumer complaint received 2021-12-30
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. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

Earlier this year I had to report them for taking a double payment and refusing to reverse it even though just the one payment paid it in full When I complained they corrected the issue by mailing me a check But they cleared my whole purchase history and deleted all my receipts from my account history when they did it I have been trying to exchange a stove thats faulty over a month and cant because they deleted my purchase history and all my transaction receipts from my lowes account when I reported them for taking a double payment I want this stove exchanged for a non defective one and my purchase history restored to my account and made visible for me to use when needed They also locked me out of the ability to complain or use customer service or rate anything in the app When I try giving them a XXXX star rating they just wont let you Its rigged to only take good ratings