davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (NC)

They improperly sent delinquent payments to the credit bureau 's. They misplaced the modification forms and blamed me for not keeping these forms in their system. After, I resent the forms to them, they still sent information to credit bureau that my account was past due. This info was sent on XX/XX/XXXX and XX/XX/XXXX. The account is current not pass due at all. There is also a Grid code 1 that needs to be corrected. This effecting my credit as it has dropped XXXX points as of today. I am in the process of purchasing a home and it is effected by their mistake. I have contacted ACA several times and they assured me this issue will be taken care of. Meanwhile, they are still sending " late payments '' to all three bureaus.
Consumer complaint received 2022-10-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX I filed a complaint on XXXX abuse on my credit report after CFPB advised the changed the wording but the following they put back same verbiage and as retaliation reported the same loan 2 times to XXXX and in 1 day my credit score from XXXX to XXXX XXXX points the same loan in XXXX dropped XXXX points same info reported XXXX time I contacted XXXX they said only bank can remove the double report I notified bank they said it is what is please help
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

In accordance with the Fair Credit Reporting act Fair Collections & Outsourcing, 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.

15 U.S.C 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2019-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (CA)

Two credit accounts were opened WITHOUT my consent or knowledge. One was TJX ( tjmaxx ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed. 
Thank you.
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2021, I made a wire transfer from my XXXX XXXX account to my personal checking account in TD Bank for {$82000.00}. I then made serveral transfers ( {$9000.00}, {$5000.00}, {$3000.00}, {$6000.00}, {$3100.00}, {$32000.00}, {$2500.00}, {$17000.00} and {$3000.00} ) equaling to the {$82000.00} from my checking to my savings account. A couple of days later, I tried accessing my account online and I was unable to. So, I went to my local branch ( XXXX XXXX XXXX. XXXX XXXX, FL XXXX ) and was informed that my account was under investigation. I have gone to the bank weekly since then and called their customer service line some many times I have lost count. I have tried talking to the manager of the branch and escalate the complaints they filed every time I go but nothing has happened and no one is able to provide any kind of information or assistance. It has been over three month and I have not receive any response. I have asked if they could release at least some of the funds but I have not receive any help or assistance. I routinely used to transfer my earnings from my XXXX XXXX account to my checking and savings account, so this is not the first time I receive funds from them. In the past, TD Bank froze my account in a similar situation ( but with a lower amount ) and the funds were released within a month. I dont understand why they are taking so long and Im not allowed to have access of at least a portion of those funds. Honestly, besides freezing my accounts, it is unconceivable the lack of customer service and assistance clerks at the bank can provide. I am in desperate need of those funds and would like to know if you can assist me with this issue.
Consumer complaint received 2021-07-14
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: MidAmerica Mortgage Inc (WA)

InXX/XX/2019Mid America Mortgage stopped reporting to the credit bureau which caused my credit score to tank drastically. They have yet to report even after many attempts to get them to report. Credit bureaus will not allow you to report your mortgage even with verified payment from mortgage website.
Consumer complaint received 2019-01-12
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: EQUIFAX, INC. (GA)

There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to Equifax, XXXX, and XXXX and they haven't removed them from my credit report. The following creditors inquired without my permission : -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 XXXX XXXX XXXX -XXXX  -XXXX  -XXXX XXXX XXXX
Consumer complaint received 2022-06-27
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (VA)

I settled a private student loan debt with Convergent Outsourcing, and I set up a plan with an agent to have money auto drafted from my bank account monthly until the debt is paid. I have them the initial ( approximately ) {$5000.00}, and around {$420.00} is supposed to come out on the XXXX of each month. The XXXX came and went in XXXX, and nothing was taken out. I tried calling multiple numbers associated with that company, and I keep getting the same automated message every time I call. It says to call back later. 

I just got out of XXXX XXXXXXXX, and Im trying to build my credit back up. Im afraid they are going to claim that I didnt pay and take me off the settlement. Ive called multiple times since Thursday the XXXX. I dont know what to do.
Consumer complaint received 2019-09-09
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. (FL)

I have been a victim of ID theft and have submitted documentation to the credit bureaus and they are refusing to abide by FCRA 605B pertaining to my request. The original creditor - XXXX XXXX, has no proof other than statements, and I have constantly refuted this charge by submitting proof of my ID theft claim. 

I am reporting a complaint of the credit bureaus consistent harm to my financial efforts because they will not block the account on from my credit report as I have requested. I have been disputing this account for over a year and have decided to move forward with bringing my issue here.
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC (OK)

I entered into a fraudulent contract XXXX XXXX XXXX XXXX, who had a an agent clearly and conspicuously transferred the unpaid loan to American credit acceptance, to whom I dont have a complete 2 wet binding signature contract with making the original agreement null a void. Please see attached affidavit for evidence.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ ssn ] | DOB : [ dob ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account date : [ XX/XX/2022 Reason : [ NEED IT REMOVE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2019-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (KY)

I pay all of my medical bills via XXXX XXXX and I paid the medical bills for my XXXX XXXX  in full in XXXX of this year. I have reviewed all of the bills I receive in XXXX and all are paid in full. 

I have received an attempt to collect a debt of XXXX now from a debt collection agency. I have never received a bill for this amount, and have done nothing with this XXXX XXXX XXXX of XXXX since XXXX of this year -- and that debt was paid in full at the time of service. 

Attempts to request information both from the XXXX XXXX XXXX of XXXX and the debt collection agency have gone unanswered.
Consumer complaint received 2022-06-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-06-07
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. (NY)

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 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. According to 15 USC 6802. F
inancial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (IA)

This company gave an potential employer wrong information. Said I was convicted of a XXXX in 2014. What the XXXX!!! Not true. That is not good at all. XXXX XXXX XXXX. On XX/XX/XXXX I received an email from this so called what ever company.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (NY)

Discover bank took our initial deposit, upon trying to make a withdrawal their security team locked our account. 

They provide a phone number to call, but no one answers. We have made dozens of calls, waiting up to 3 hours on hold. No one ever answers. 

At the 3 hour and 5 minute mark the call is disconnected. There is no other way to access your account, unlock it, or have access to the funds. 

This has been going on for weeks.
Consumer complaint received 2022-10-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC (IA)

I took out a pay day loan on XX/XX/2022. I was given the money but then I was sent to the XXXX  hospital for a mouth. I was not get a paycheck. So when I got out I had to restart working. I called them right away stated what had happened and to see if they would work with me. They said they can't work with me and that I need to start paying double payments. I was not able to because I was getting less than 35 hours a week. Then I notice on my last paycheck that I received on XX/XX/2022. XXXX XXXX XXXX garnish 15 % of my paycheck which was about {$150.00}. I called my human resource office and they stated that they have a wage collection paper that I have never signed. I was never sent to court or served papers for this. I took out the amount of {$350.00}. According to XXXX XXXX XXXX  I owe the company over {$1100.00}. I was not servered paper work from small claims court or severed paperwork from a judge. 
Thank you, XXXX XXXX
Consumer complaint received 2022-01-07
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (IN)

Discover sent me an approved card for Discover Bank card. When I called Discover they told me someone applied for the card. The guy at Discover said this was happening a lot lately. They said someone had all my information and that I needed to wipe everything clean but I don't know what that means. Discover closed the account for me but told me to submit a report. I tried calling the phone number but the person who answered told me I had to go online.
Consumer complaint received 2022-06-27
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 719XXXX has me at a score around 590. 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 n i made this clear for XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OK)

Ive contacted XXXX several times regarding the student loans on my credit report. I filed bankruptcy in 2017 and all my student loans was granted discharge but XXXX  still show them on my report.
Consumer complaint received 2018-11-28
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. (OH)

I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX  XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Midland Mortgage XXXX. XXXX  XXXX Oklahoma XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX Mortgage Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (MD)

Hello, someone opened an account using my SSN with Truist Bank on XXXX. I did not open an account with them. I spoke with the Bank and was transferred to the faud department and was kept on hold for more than an hour. Please help me to dispute and close this account. I am in the process of seeing what other damage has been done.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I deposited a check on XX/XX/XXXX and this company put an 11 day hold on my account. Tidal is XX/XX/XXXX and now this bank still has yet to release my funds and when I called they are now saying my funds will be released by XX/XX/XXXX midnight today so the XXXX of XXXX. I am staying in a hotel and this hold has practically caused me to be XXXX  it has made my credit card payments late and my storage unit. It has cost me XXXX of dollars in late fees! This bank has no right to hold my funds another day! Now I am going to be kicked out of the hotel I am living in! This is outrageous and illegal!
Consumer complaint received 2021-07-14
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 (NV)

I purchased items from a merchant, XXXX, using my XXXX XXXX card through PayPal. I did not receive the items from the merchant. I filed a dispute with my credit card XXXX XXXX and they with held payment. I finally received my items from the merchant and notified XXXX XXXX. XXXX XXXX advised they closed the dispute, and gave the money back to PayPal to pay the merchant. I contacted PayPal who advised they did not receive the money from XXXX XXXX. I ended up paying the merchant using a credit card outside of the PayPal platform. I contacted XXXX XXXX again, and filed a complaint through this agency Consumer Financial Protection Bureau. XXXX XXXX advised they did release the money to PayPal. I have spoken with multiple PayPal Representatives who have told me that XXXX XXXX issued a provisional payment to PayPal and they can not release the money for 75 days, due to the fact that XXXX XXXX can take the payment back. I contacted XXXX XXXX and they advised differently. I don't know who is telling the truth and who is lying, but I hope you can help me get the {$180.00} from either XXXX XXXX XXXX PayPal. I have been trying to resolve this since XX/XX/2021.
Consumer complaint received 2022-06-07
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. (NY)

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.