davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

There are names, addresses, and incorrect employer information that needs to be removed from my report as this information should not be on there. In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized information on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION (MA)

Everything started towards the last week of XX/XX/2019. I was stuck on a flood and my vehicle was totaled. My auto insurance company XXXX ran a title check and came to find out the bank in which we been paying the vehicle for 2 years didnt have the title it was under a different bank. A brand new vehicle we financed with M & T bank and the tittle was under XXXX XXXX. Long story short it has now been 2 months since XXXX has not manage to pay the loan since every time they call, I call they said its XXXX XXXX fault for sending them the tittle I have been calling this bank every week for the past 2 months to get this resolved. I have now tuck paying two loan because of their mistake. Every time I call I get a different answer. Im glad all the calls are recorded ... I have tried reaching out beyond the call center with no success.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MO)

XXXX and XXXX also has the BK reporting incorrectly. Experian does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : XXXX
Consumer complaint received 2019-09-11
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: EQUIFAX, INC. (TX)

I HAVE NEVER FINANCED A VEHICLE FROM THIS BANK BEFORE. I FILED IDENTITY THEFT WITH FTC AND PROVIDED ALL DOCUMENTS TO THEM ON NUMEROUS OCCASIONS AND THEY STILL HAVE NOT REMOVED THE ACCOUNT FROM MY EQUIFAX CREDIT REPORT.
Consumer complaint received 2018-12-21
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. (PA)

I have contacted XXXX XXXX on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but XXXX XXXX is still allowing my report to be accessed. 

I need these Inquiries removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX Please Remove XXXX XXXX XXXX Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MD)

My daughter is XXXX years old. Venmo does not permit minors to open an account. However, she opened an account by lying about her age. 

My daughter is using Venmo, overdrawing from her checking account and incurring fees. Clearly she is not mature enough to handle this level of financial responsibility. As her father, I want to protect by daughter my closing the Venmo account I contacted Venmo via online chat on XX/XX/2019. They said they would not speak with me about my daughter 's account until she contacts them and gives permission. 

My daughter will not call Venmo and take actions that ultimately lead to her losing the account. I am stepping up as her parent to do that.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, XXXX XXXX, Equifax and XXXX to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running my credit.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (OK)

I opened a bank account online with ace flare I believe there bank is XXXX. 
I had my social security checks going directly into my account and for two months they have kept my money from me. I tried using my card and it said call the computer ace flare rude people I dont know how they even sleep at night holding someones money from them. Anyway they knew where my money was coming from social security card they had my money kept from me over an audit mind you this is all the money I get it pays my rent and bills and medical barley they wanted me to send documents proving who I am against my better judgment I did online and so I sent them my Drivers license and legal documents on my address and social security number. After I did that they said my Drivers license was fake this is a Oklahoma Drivers license and  the doctor was from the federal government like social security number and Oklahoma Drivers license they caused me a lot of mental anguish and my rent and couldnt pay for my medical supplies and my bills i have a XXXX XXXX had XXXX XXXX and Im two months  late on my rent and bills and I could not even get my XXXX medication those people did not have any right holding my money and I still dont have my money they would not even open my card back on so I could pay my rent and bills and my XXXX medication and machine they said They will close my account and send a check in the mail but i will not get it for two weeks now that leaves me with no money for two months and two weeks I am so upset about this they have ruined my life and I want a judgment against them not only two months and two weeks of my money back I want them to pay for everything they caused me everything no rent might be on the streets and could not get my XXXX medication and XXXX medication because of this my bills being late and my mental anguish they put me through Thank you XXXX XXXX
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (AL)

I'm filling a complaint against pay pal for taking XXXX they fraudulent open account under my name then some one from pay pal called and emailed me told me to send XXXX dollars to them to close my account then they use harsh words that this will effect my credit and and everything thing else this is scary if pay pal doing this why is they still open I'm seeking mediation for my XXXX dollars asap
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: RFNA, LP (SC)

Republic Financial keep call me Want there money I have told them to talk to you that yall are the one to call Not me .they call all the time I have talk to and man there his name is XXXX I told them if they had? to call yall and they keep call me they want there money that I do not have having and headline pay this right know that why I ask yall to help me with my bills Thank you
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CO)

JP MORGAN CHASE AND CO - CHASE FREEDOM AND CHASE AMAZON CREDIT CARDS. 

Without any consideration, notice, etc. they cut my credit limit, decreased to the exact balance owed, DROPPING MY CREDIT OVER 40 points and putting my credit utilization over 70 %. I now can't get a loan that I wanted for a new home purchase or even refinance. I was going to pay off the balances of the credit cards once either action had taken. I have contacted them several times and they do not respond or follow up and send me to other departments. I need a response and I need action. This is criminal and they should at least notify or consider the impact the changes make. I've always paid my balances and never had any late payments. RIDICULOUS.
Consumer complaint received 2019-09-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (AZ)

This mortgage company is discriminating based on a number of factors. The company first approved a loan, then do to its religious preferences denied the loan. The incident has occurred in Arizona. The company, 21st Mortgage, is headquartered in Tennessee. Given the geography, the incidents are not isolated at the present time, whereas 21st Mortgage and others perceive themselves as being protected against any formal proceeding.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

I have contacted XXXX ' XXXX and the credit bureaus regarding the reporting of my account. When I last retrieved my credit report, I noticed that XXXX XXXX XXXX   last reported my payment history in XX/XX/2018 on my XXXX report and XX/XX/2018 on my XXXX report and XX/XX/2018 on my XXXX report. I reached out to XXXX XXXX XXXX and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with XXXX XXXX. I would like for my payment history on this card to be updated on all 3 bureaus so that it reflects current and ok payments to date.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (PA)

On XX/XX/2020 we received a PayPal notification of 2 transactions at XXXX of {$990.00} and {$1900.00} that were unauthorized and we IMMEDIATELY contacted the company to dispute charges. PayPal responded at XXXX the same night that no fraud was detected, though we just told them that transaction was not us. Then we contacted our credit card company with XXXX XXXX  and they conducted an investigation as well on XX/XX/2020 Dispute ID XXXX with the disputed amount of {$2900.00} and on XX/XX/2020 we received a final Determination letter that our claim was denied because they were unable to confirm with the merchant that the disputed charge ( s ) are valid. If we wish to dispute matter further to contact the merchant directly. 
PayPal only was able to share a name and email : XXXX XXXX XXXX. I researched the sellers email XXXX and it did lead me to a XXXX XXXX possibly at XXXX XXXX XXXX XXXX, XXXX, TN XXXX yet the website XXXX says the seller is also XXXX of an alleged product XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX items and XXXX   XXXX XXXX XXXX XXXX XXXX have no idea what that is or what that means. Nevertheless, I contacted the seller to find out where they sent the product or any information on the buyer, yet without response. We opened several resolution disputes with PayPal as well : Dispute Case ID : XXXX and XXXX
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MI)

I did not get my Experian credit report. i received XXXX and XXXX. I should have gotten all XXXX at once. I had trouble in 2016 also. I want my Experian credit report mailed to me as I am in bankruptcy.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

I have been an American resident since XX/XX/2022, I opened my first bank account with Well Fargo Bank and by their decision they closed my account and they have not given me the funds, I have contacted the loss prevention office 3 times and I they say that they have the right to give me the funds when they decide and I need those funds for my family, they have sent me 3 emails postponing the closing date of the account
Consumer complaint received 2022-08-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (TX)

Several months ago I went to their web portal to change the bank associated with auto pay. Despite making the changes they continue to use an old bank account -- as a result I have been charged overdraft fees. Today I called to try to get help, but all three customer service representatives blamed user error, despite me being able to see that their system did in fact show that the account I wanted the funds to be taken from was in fact the correct account. After I pointed this out they still blamed user error and suggested I do several things. I asked multiple times that they make the changes on their end, but they claimed they could not see the account that I wanted to have the funds withdrawn from -- again, despite my being able to see it on their web site. Not once did they offer to reimburse me for the overdraft charges. I want and expect that somebody from Sallie Mae call to apologize and to reimburse me for the XXXX overdraft fees ( totaling {$75.00} ). I also believe they need to retrain their customer service reps on how to better handle this type of situation. Also they need to change their web site to better assist customers as they claim this is a common issue.
Consumer complaint received 2022-08-27
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (AL)

My idenity was stolen in XXXX. Since then i have been battling to get accounts that are not mine removed from my credit. The company True accord has an account that they claim is my account. I have asked for verification of the debt many times to which they never adequately verify the debt. i have also sent in doucumentation to the collection company as well as the credit breaus to show that i have been a vicitm of idenity theft, yet they still refuse to remove the account. On ( XX/XX/XXXX ) i wrote a letter to the company offering to settle the debt beacuse my efforts have literally when no where to prove that i do NOT owe this debt. 

This company is hindering me from obtaining a home loan through tactics that are illegal considering i am showing proof that this debt is not mine. Today ( XX/XX/XXXX ) i contacted the agency by phone to do the same thing that i listed in the letter ( to settle the debt for a lesser ammount around {$500.00} ) The agency stated that they can not settle the debt for less than {$500.00} and the amount that is showing on my credit report is around {$1000.00}. I refused to pay the stated amount and wanted to report their illegal tactics. 

Once again, I DO NOT OWE THIS DEBT, but i figured it would be easier to just settle the debt and move on since this company refuses to honor my paperwork that i have sent in many times clearly showing that i have been a victim of idenity theft. I am trying to obtain a home for myself and my young child, i should not have to battle with this company to remove a debt that i do not owe in the first place.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CO)

The following debt in collections is not mine Jefferson capital sy account # XXXX the signature on the original with XXXX XXXX does not match mine AT ALL as I was living in XXXX Colorado at the time and purchased items was in California. According to 15 U.S.C Sec. 1681 i ( a ) they must provide proof this account belongs to me or be deleted!
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I received a letter from XXXX XXXX XXXX for a Citibank, NA stating I owe a debt of XXXX regarding My Best Buy visa. I never had a Visa from best buy. I don't owe anything. This is not mine. 2 dated XX/XX/XXXX and letter state the same thing from first letter dated XX/XX/XXXX have not received any thing from another company just from XXXX XXXX.
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: U.S. BANCORP (CA)

Issue : Autopay not working causing a delayed payment. 
1. I have made 6 calls throughout last XXXX until this XXXX with US bank. They could not identify what issue is with their autopay and simply informed me it shows it is active on their end. 
2. During call in XXXX, I cancelled the auto pay and setup again, their representative told me it will be auto-paying starting in XXXX. 
3. I took their words but got a phone call months after claiming I have a late payment. 
4. I called US Bank several times after confirming the situation. Was told they can do nothing besides waiving the late fee. 
5. My credit dropped by XXXX points due to their system error. 
6. Filed a dispute on XXXX, but nothing was changed. 
7. US Bank did not mail/email me about the missed payment in time either, until the call months after. They have my other checking account with them with enough funds to pay off the loan. Sounds like they just wanted to collect the late fee to start with, or just simply negligent.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (NY)

I spoke with a rep at Equifax who couldn't help me with getting the unauthorized and incorrect items below removed. 

1. The inquiry was not authorized XXXX  XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (NJ)

This company is reporting I have a car loan with them and it is charged off. I have wrote this company several times sent in documents supporting my claim and the issue is still not fixed they are not responding to any of my letters.
Consumer complaint received 2020-09-29
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: Choice Recovery, Inc. (OH)

There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following accounts are listed below : -CHOICE RECOVERY INC XXXX XXXX XXXXCHOICE RECOVERY INC XXXX XXXX -CHOICE RECOVERY INC XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX