davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (OR)

On it around XXXX I saw a lot of pre approvals on my Credit Karma account XXXX At first, I didnt pay attention to it but credit karma continued to send me all sorts of different pre-approvals telling me I was pre approved for credit cards, personal loans and car loans and that I can refinance my vehicle. Everyday I would see these offers everytime I logged in to check my credit scores. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for. I finally applied on or around XXXX and got denied various times for credit cards and auto loans. I was distraught. I was very angry and I felt deceived. I was marketed to for months by credit karma telling me I was pre-approved and this was a lie! 

Everytime I see pre-approvals now I close my phone or shut my computer off because I have XXXX and XXXX  now. As a result of my credit score being effected my XXXX is really bad and I get XXXX XXXX  often now. 

As a result of Credit Karmas deceptive practices I applied for various lines of credit and was denied. Credit karma told me I was pre-approved but I was not actually pre-approved. This has effected my credit immensely and cause me emotional distress. I worked very hard to raise my credit score and these denials are effecting my credit.
Consumer complaint received 2021-04-21
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 (CA)

On XX/XX/2020, paypal transferred my the total amount of $ XXXXUSD of my paypal balance to PAYPAL . I was supposed to withdraw that amount. Paypal says, the funds will be on hold for 180days and then it will be released. afterwards, i can withdraw it to my own bank. However, they lied. they just stolen the money from me and I even didn't notice that until I checked my recent activities and found none balance at all. I tried to reach paypal for help, but no response at all. I want to get the money back. This is really important for me and my family. I heard CFPB can handle issue like this, that's why I am reporting this to you. Please help me to get the money back. The paypal email I use it XXXX XXXX
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (MD)

In 2016 I ordered an item from the XXXX XXXX XXXX. I received the item in the mail and didn't like it. I returned the item as per instuctions right away. Right after that XXXX XXXX kept notifying me that I owed them {$88.00} for the item. I kept telling them that I had sent it back to them for a return. This whole incident is now 6 years ago. I now get a letter from a collection agency stating that I still owe XXXX XXXX {$88.00}. 

I returned that item back to them now 6 years ago. I do not owe this debt to anyone.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (IL)

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights. Under 15 USC 1861, Section section 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b, a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: WELLS FARGO & COMPANY (WA)

I had 2 unauthorized charges made on XX/XX/29 XXXX for {$1000.00} and the 2nd for {$4000.00} Wells Fargo has denied my claim and hasn't stated why
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (KY)

On XXXX I accidentally paid {$4500.00} in my Citi Double Cash Mastercard via the Citi app. This was my error as I inadvertently put in an extra zero, I meant to pay {$450.00}. 

On XXXX I noticed the error and contacted Citi customer service to advise of the error and ask for a XXXX refund. The Citi representative advised that they would process my refund and I should receive the money in my back account in 3-5 business days. 

XXXX Citi bank lowered my credit limit by {$4500.00}. 

XXXX I called Citi and the representative advised I would have my money in my account on Friday. 

XXXX I called again and for the FIRST time Citi advised that I actually did not have a refund in process but that they had to approve the refund. I was obviously upset and was transferred to a manager. The manager apologized for the error and indicated the associates were wrong and they would be re-educated. He provided me with a {$180.00} credit for inconvenience and said he make sure I get a call about the approval decision by XXXX  XX/XX/26. 

XXXX I called Citi and asked about the status of my approval and they indicated it was denied because an {$4000.00} refund would extend my credit limit. I spoke with a manager and advised I was an attorney and I was initially told that that I would receive the refund and was not advised about the review. Furthermore, I thought it was a questionable practice that they lowered my credit limit by the exact amount of my payment after I advised the payment was in error. The manager said the credit limit decrease was merely a coincidence. However I informed her that I had this card for 5 years and have never had a credit limit decreased and the timing was questionable especially since that was the amount of my overpayment which they were aware.
Consumer complaint received 2022-08-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Creditor : 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
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (IL)

I am a natural person, I am a living human being, I have rights I know my rights ALLY violated my rights in this contact numerous of times. I demand a refund and accounts to be removed or paid in full. 

The contract was breached or violated by : 15 U.S. Code 1605 - Determination of finance charge 15 U.S. Code 1640 a -Each violation is 2x finance charge 15 U.S. Code 1662 - Advertising of down payments and installments 15 U.S. Code 1692j - Furnishing deceptive forms 15 U.S. Code 1635 - Right of rescission
Consumer complaint received 2022-09-29
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: ALLY FINANCIAL INC. (PA)

XXXX XXXX XXXXXXXX ran my credit on accident when my father went to their dealership to buy a. truck, i told them they ran the wrong information they told me they cant do anything about it. my credit score dropped XXXX points and i didnt give anyone permission to check my credit, it was a total of XXXX inquiries.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

To Whom this May Concern :   XXXX     I sent out letters to all three bureaus pertaining to a bankruptcy on my report. I asked the bureaus to send me documentation with my signatures and how they verified this information. The bureaus stated that the courts verified this information to be true and accurate. I got a letter from the court stating that they do not verify nor submit any information to the credit bureaus it goes through 3rd party companies such as   XXXX   XXXX   which is against  Federal Law   XX/XX/XXXX    the bankruptcy was removed from my equifax report then later it was placed back on. I need to speak with someone about having this information removed from my  Public Records
Consumer complaint received 2022-09-29
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: U.S. BANCORP (FL)

This account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. 

This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. 

Elan financial should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX, XXXX, DE 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. States a consumer reporting agency can not furnish an account without my written instructions.
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 belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly
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 — Problem with personal statement of dispute
Company: AES/PHEAA (FL)

In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with AES XXXX XXXX XXXX. I contacted AES and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and AES was paid in XX/XX/XXXX. However, AES has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to AES to request a good faith removal as this was not reported accurately. AES refuse to grant my request. AES has reported 60 days late in XX/XX/XXXX to XXXX and XXXX credit reporting agency and has reported to XXXX 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. AES was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.
Consumer complaint received 2015-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

Is about bsi financial service they dont do mortgage modificatin and iam loosing my house. I been here for 12 years also my friend XXXX had been leaving w me i file bankruptcy i been paying since XXXX but XXXX sold it to bsi finamcial
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: VYSTAR CREDIT UNION (FL)

Vystar credit Union mobile and online banking was down and experienced crashes and delays that made it impossible to make a payment. It is the only time Ive ever made a late payment and now my credit is down XXXX points. I and several other people experienced issues making payments due to this outage and have had adverse effects to my credit because of vystara failure to provide means to make mobile and online payments at a reasonable time. I do not have a history of such irresponsible behavior. I have and never plan to make a late payment. However, when the institution requesting payment makes it nearly impossible to pay I feel it is the responsibility of the institution to admit its wrong doing and not make up lies that are clearly refuted by so many customers. Vystar has lied and gaslighted me. I can not believe how they continue to respond and make it seem as if I am only missing a payment out of negligence when I have said time and again that I am my family were stick and quarantined which made it impossible to go to a physical local for payments. The call center has hours of hold time. The website had a line with me often being 9000 + persons trying to reach their website well into XXXX. Even when I wait for over an hour in line I would often get to the first spot to enter and find an error message or page where I couldnt get in. Then I would have to start all over again for the back of the line. I could not make a payment if I couldnt even get to the website to see what to pay. I couldnt move money to my vystar credit card if the place to make payments was unavailable. I failed to make a payment not because I didnt have the money but because vystar failed to provide a way to make payment for those who could not go to a physical location. What about those with XXXX or illness? They caused this late payment which is why I have refused to use the credit card since then for fear of being unable to pay and the company destroying my credit history. The damage they have done to my credit history is not a reflection of my credit worthiness but a reflection of their mistakes as an organization and it is impacting my life significantly. Even people who had automatic payments couldnt get them to go through properly. They have a responsibility to create an environment for their customers to safely and reasonably provide payment and they failed to do so. Blaming me, the customer, by making up lies of negligent forgetful behavior when I have showed zero history of that is shameful. They even called me and asked me to explain and still came back and said I was at fault because their website was back up in 8 days. That is a lie and not the realitiy for thousands of customers. I guess I need to get a lawyer.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (AR)

I opened a SELF credit builder account XX/XX/2021. My monthly payments have added up to {$250.00}. I closed my account XX/XX/2021 due to SELF not assisting me in building my credit. In fact, it has nothing. SELF is not refunding me my money. Also, they have stated the additional fees that were not made clear that they are taking out. When I closed the account, I received an email stating the account would close at XXXX XXXX. on XX/XX/2021 and that my money would be refunded to my bank. SELF is now taking out additional fees and procrastinating with my refund.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX I got a Robocall from CHIME, stating I won the XXXX Giveaway they were having that day. I was told to go to the link they provided and fill out form to get my 6 digit winning code. I clicked on link and filled out form which included my full name, address, phone number, and it looked like the chime login, so I logged in. I didnt receive a code, I received an automated message thanking me for my inquiry. That is when red flags started going off, and I called the # on back of my chime card at XXXX, but was on hold entire time. I hung up so I could send my brother all my money in my account {$550.00}. I could no longer log in, the thieves had control of my account login, which they changed 3 times with 3 different devices and from NY, they also changed my PIN #, and my phone number. I have all emails stating everything they changed. I called CHIME back at XXXX, begged them to shut my card / account down but I was put on hold. While on hold at XXXX a transaction for {$550.00} to XXXX went through my account. This merchant is supposedly a T-shirt merchant in XXXX XXXX XXXX XXXX I was on the phone the second time for over 2hours, trying to regain control of my account and changing emails, passwords etc. I still dont know if the thieves used my debit card or used my Routing and Account number. On XX/XX/XXXX I started a Dispute, dispute # XXXX. I sent XXXX screenshots I took of the Scam, then of the 3 emails stating changes to XXXX, an email for change of my Pin #, and change of phone number. The proof I have of this scam is irrefutable, so it should of been. On XX/XX/XXXX I received an email from Chime stating my Dispute was Denied due to No Error Occurred! I replied to that email and also sent them a screenshot of my phone log, that shows I was on the phone with CHIME prior to this transaction, trying to shut my account down. On XX/XX/XXXX I received an email stating they received XXXX docs, which was the screenshot of my phone log. On XX/XX/XXXX I called chime directly and asked for all documents that were viewed/ used in my dispute, under XXXX XXXX I am supposed to be granted. Now its XX/XX/XXXX and I called again and they said that my dispute is still in the rebuttal stage and to wait XXXX business days for an update and for an email with all documentation being viewed in this investigation. Chime also emailed me with a new dispute # XXXX. They are sending me a new chime debit card but has yet to change my account # that the thieves had access to. Please help me, I have been sick over this. After reading all the chime complaints with XXXX, over XXXX people have the same story as I do. The only people that got there stolen monies back were the ones that went to a XXXX outlet.
Consumer complaint received 2022-08-23
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. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX mXXXX XXXX XXXX XXXXimes. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.