davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Americor Funding, LLC (CA)

I am a retired  XXXX XXXX in XXXX, California. Due to a medical condition and physical limitations, I am unable to work and my only source of income is my monthly pension. 
In XXXX of XXXX, a series of unfortunate events caused me to fall behind on some of my financial obligations. I was considering bankruptcy but came across a debt resolution company online, Americor, which seemed like a better option. After a high pressure sales pitch by their representative, XXXX XXXX, I signed up and gave Americor power of attorney to negotiate my debts. 
Unfortunately, my credit scores still plunged and it was difficult to make the expensive payments to Americor but I held on and trusted they would help me resolve and payoff my debts. Part of the agreement was a 25 % fee on settled accounts, which made me hesitant to sign up at first, but XXXX XXXX reassured me that it would be worth it in the long run. I was also promised a loan at 35 % interest after one year of payments to payoff any outstanding settlements. However, that loan never materialized and only offered recently in XX/XX/XXXX when I expressed displeasure with Americor 's activities. I was denied that loan. 
What did materialize was an accumulation of fees, more than equal to the amounts that were going to pay off outstanding settled debts. In XX/XX/XXXX, I offered to deposit a lump sum of {$3500.00} to speed up payoffs of my open settled accounts. However, Americor aggressively insisted that the money be used as leverage to negotiate two larger outstanding accounts instead that were in pre-negotiation stages. I later found out why they chose this route, which was to continue to charge me the monthly settlement fees for Americor 's benefit, not mine. 
I finally had enough with this company in XX/XX/XXXX and stopped all future payments to them. I demanded a detailed accounting records and any documentation to assist me to contact any outstanding accounts to resume payments directly to them or pay them off. I paid off all outstanding accounts except for two larger balance accounts, which ironically, I was able to easily negotiate a reasonable resolution without Americor 's assistance.

After recently reviewing the accounting records of my Americor account, and to my dismay, I realized I had paid over 77 % fees, not the contracted 25 %! This angered me even more and prompt me to file this complaint with the California DFPI and with the CFPB for Americor 's unfair and unethical financial practices.

I gave Americor an opportunity to resolve this before I filed this complaint but to date, they have not responded. 
I have lots of documents to upload for your review related to this matter. Thank you for your attention and assistance in this matter. Please feel free to contact me anytime if you have any questions.
Consumer complaint received 2022-02-23
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 ()

I'm very satisfied to used Paypal with my online transactions as a it is where my clients send their payments. I'm doing short intro, video teaser or video promotions for my clients.. But suddenly they limited my Paypal account and they email me that I can no longer used Paypal because they noticed some activity in my account thats inconsistent with their User Agreement. Without specifically mentioning what user agreement I violated. They limited my account. Email is the only way for me to reach them but I don't received any reply from them. I was saddened with this because this is where my clients send their payment and it's affecting my business. I loved using Paypal. Hoping that they reconsider.. Thanks!
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act 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 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
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NJ)

XX/XX/XXXX, I called to have an authorized user removed from my account. That took place. XX/XX/XXXX, I received a letter in the mail that stated that they understood that I wanted to add an authorized user to my account. It asks for handwritten information about the new user, and does not require any security checks to establish that I am aware of their being added. I asked XXXX in customer service, and she said that it was a glitch. No.
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

Equifax 1XXXX XXXX XXXX {$0.00} 2. XXXX {$0.00} 3.XXXX XXXX XXXX XXXX {$350.00} 4 XXXX XXXX {$180.00} 5 I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2020-01-15
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: Conn's, Inc. (TX)

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (NE)

I'm tired of sending letter after letter to the buro without receiving a single response from them. I have been disputing several negative accounts that are affecting my credit history and they ignore me.
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I'm tired of sending letter after letter to the buro without receiving a single response from them. I have been disputing several negative accounts that are affecting my credit history and they ignore me.
Consumer complaint received 2022-02-22
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. (MI)

XXXX accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-01
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
TransUnion Addresses : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : 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 Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA Inquiries : XXXX XXXX XXXX  XX/XX/XXXX Collecons : 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 Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX Collecons : XXXX  XXXX XXXXXXXX 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
Consumer complaint received 2022-08-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (IL)

1. On XX/XX/2022, I granted, conveyed, transferred, pay, assign, deliver, my security interest my rights upon the debt instrument ( payoff quote ) in the form of a promissory note as cash payment dollar for dollar for full settlement and discharge of the total obligation due as a pre-payment. via Negotiable Instrument transaction. 
2. GM FINANCIAL after keeping all full payments I presented to them for discharge had hired XXXX XXXX XXXX to take my private personal property my vehicle while I was currently inside the automobile ( XXXX XXXX XXXX XXXX # XXXX on XX/XX/2022. I received a letter by GM FINANCIAL on XX/XX/202, of the sell of my property that was stolen from me.
Consumer complaint received 2022-08-01
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. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy. 
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. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2020-03-03
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: ID Analytics, Inc. (FL)

Ive tried to contact Sagestream about my disputes to no avail. They never pick up the phone and I call at different times and leave messages over and over. They say will call within 24 hours.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On Saturday XX/XX/22 I contacted XXXX over the phone they said I would receive a call back. I was then contacted by a scammer who claimed they were calling from XXXX. The person over the phone promoted me to download an app so they could help me with the issue I was calling about. After I downloaded the app the caller proceeded to hack my venmo account and send {$300.00} to themselves. Then they hung up before I even realized what was happening. I immediately deleted the app and change all my passwords. I was so shocked I realized I had been hacked/scammed. So I immediately contacted venmo and my bank and filed the dispute. I was told by venmo that I authorized the transaction so there is nothing they can do. This is ridiculous because I definitely did not authorize the transaction and I did not receive anything from that transaction
Consumer complaint received 2021-10-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I purchased a certified pre-owned XXXX and financed it through XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. The car was sold to be fraudulently and XXXX agreed to purchase the vehicle back in XXXX of 2021. Legal notarized agreements were signed between myself and XXXX. 

Despite this, XXXX XXXX and XXXX XXXX XXXX have submitted a delinquency report to the credit bureaus and refused to rectify the situation.
Consumer complaint received 2022-02-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NE)

On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all XXXX companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Two charges of {$79.00} were charged to my account on XX/XX/XXXX and XX/XX/XXXX. Both of them were supposed to be refunded, but the merchant only refunded one. I disputed the XX/XX/XXXX charges, but the bank did not provide me a provisional credit nor award me the dispute as they were confused thinking the merchant had already refunded it when the merchant only refunded one out of the two. 

The same thing happened with a double charge of {$80.00} on XX/XX/XXXX and XX/XX/XXXX as well where only one was refunded.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I lost my wallet and I have these inquires on my report XXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XXXX/XXXX/XXXX This was an unauthorized credit inquiries XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX This was an unauthorized credit inquiries
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (WA)

after 9 months of waiing for my unemployment, ESD approved my claims and i was reembursed almost XXXX dollars to my account with chime bank. I didnt realise it was approved for quite sometime as the esd department was severely behind and mail and communications are very little to none. when i had finally noticed XXXX dollars was stolen from me. i contaacted my bank 3 times asking my avccount to be stopped. it never was. i filed police reports, sdtill nothing haopened. finally after a month they deactivated that card and i have filed well over 6 disputes requesting to be reimburs3ed. i XXXX filed identity theft because thid person has all my info. i reorted to credit bearues. XXXX XXXX had denied all requests on this dispute. i dont know what elso to do. it was banks error for sllowing my account to be active after i reported it was jepordized. i get no where with chime but i actively file a dispute the sme day they deny it.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (MD)

At Freedom from Debt Relief program, currently there is {$5900.00} in my dedicated account to pay off a settled debt of {$5900.00} which will leave a balance of {$61.00} due to be debited from my checking account XX/XX/2022. My account with them will have the exact amount through which the balance of {$5900.00} can be paid. They are refusing to pay off the debt with the available funds and are looking to debit more funds from my checking account. Friday XX/XX/2022 is the last payment in which {$61.00} will be debited from my account because that will be final amount owed to the settled debt.
Consumer complaint received 2020-04-16
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: CITIBANK, N.A. (CA)

I made a large purchase from XXXX XXXX on XX/XX/2020 for {$14000.00}. Then in XXXX I cancelled the order since the company could not meet my demands. I have a return receipt from the company for {$14000.00} on XX/XX/2020. I called my Citi credit card and filed the dispute and emailed a copy of the return receipt. Citi cards closed my account and did not resolve my dispute. The credit card company still says I owe this amount.
Consumer complaint received 2022-11-11
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: JPMORGAN CHASE & CO. (AL)

XX/XX/XXXX there were 3 credit inquiries on my credit report that I did not authorize Bank XXXX XXXX XXXX XXXX JP Morgan Chase A new credit card application was denied by Chase ( XXXX XXXX XXXX ) I did not try to open this new account
Consumer complaint received 2020-01-13
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT
Consumer complaint received 2022-06-09
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 XXXXXXXX XXXX XXXXXXXX, 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 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Applied for a bank loan and was told I had a chexsystems free on my account that I never asked for and when I call XXXX to get the freeze lifted they told me I had to fax them and jump through a hundred hoops to get something removed that I never asked for to begin with. says its been on my record since XX/XX/2020 which can not be true since I have purchased many vehicles and opened banking accounts in that time with no chexsystems freeze.