davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a collection company reporting on my credit file that actually reaged a very old debt. They have it appearing as though the account just went to collections and there that is not the case. There has been no service with the original company for over 7 years. This I thought was illegal. The name of the company is XXXX XXXX XXXX
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

I am writing about Shellpoint Mortgage Services reporting my account to credit bureaus as delinquent during the conclusion of my Covid-related forbearance, while they were considering my loan for modification. 

My account should not have been reported delinquent. I followed every step correctly in the months leading up to the end of the forbearance period, asking repeatedly on calls and emails if I should end the forbearance early in order not to affect my credit. I was told to wait until the end of that period and that I would be given options on what to do at that time. 

It took about two months for Shellpoint to get me set up for the three-month period of reduced payments to see if I qualified for loan modification. Those three payment were made on time. Then it took another two months to receive the loan modification offer, which I was not satisfied with, so I ended up paying the full amount due and making my account current. 

The purpose of the Covid-related forbearance was supposed to be to allow people like myself, who lost most of their income during Covid, to have considerations that would NOT affect their credit. However, they reported my account delinquent even though I properly followed all the steps and was in constant communication to make sure that did not happen. 

Now I find myself wishing to sell my property and purchase another one, and I may have difficulty getting a mortgage due to the actions of Shellpoint. 

I have requested several times by phone and once in a faxed letter on XX/XX/2022, which they acknowledge receiving, that I want them to correct the information to show that my account was not delinquent during the time I was waiting for them to determine if I qualified for a modification, and then while I fulfilled the requirements for modification. 

Thank you for your assistance in getting this corrected.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2020, The Internal Revenue Service deposited funds from the Covid 19 stimulus payments in the amount of {$2200.00} via direct deposit onto my XXXX XXXX  XXXX American Express card ( The last 8 numbers on the card- # XXXX XXXX  ). XXXX XXXX  XXXX currently has these funds and has refused to make the funds available to me & has failed release to monies to me -yet XXXX XXXX XXXX continues to collect interest on this {$2200.00} everyday passing day that the money is held. I have called XXXX XXXX  XXXX customer corporate number at XXXX One hundred & forty seven times since XX/XX/2020. Each call XXXX XXXX XXXX system automatically forwards me to the IRS phone number which no live agent answers and hangs up after 2 rings. XXXX XXXX  XXXX is causing me extreme financial hardship. I am unemployed due to the pandemic & am in desperate need of my funds. XXXX XXXX XXXX is holding my monies without allowing me access to my funds. XXXX XXXX   XXXX is also refusing to provide an available banking agent to address my concerns by phone.I have also called American Express the card issuer who informs me to contact XXXX XXXX XXXX.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The credit card company is Capital One. I have been paying the 30 % interest rate since I missed a payment last year. I was told they would review and lower my rate in 6 to 12 months when I called last year. 
I called two weeks and one week ago to request lowering my interest rate. My payments since 8 months ago have been on schedule. I was told they can review it in 4 months, both times I spoke to their supervisor.
Consumer complaint received 2022-01-24
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. (GA)

Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXXaccount # XXXX ( appearing three times ) and XXXXXXXX XXXX XXXXXXXX account XXXX XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.
Consumer complaint received 2021-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. Department of Education, XXXX, and XXXX all show fraudulent loans on my credit profiles that needs to be remove immediately. All Bankruptcy remarks and information are fraudulent and needs to be removed.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$10000.00} XXXX XXXX Account number : XXXX Balance : {$8400.00}
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XXXXXXXX XXXX XXXX I had a checking and savings account with USA a bank I received a rent relief check and deposited in my checking account, it cleared with no problem but then they placed a hold on both accounts and would not tell me why. It has been 2 years since they originally placed a hold and they have done nothing both accounts remain frozen they have no reason or excuse and they have no means of explaining when this will come to an end.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation (WA)

XX/XX/2022 I used the XXXX XXXX XXXX XXXX to prepay for gas. Rather than connecting to the pump system, the app glitched out and charged me three separate {$100.00} preauthorizations, for a total of {$300.00}. I tried to get support through the app, but XXXX has removed the ability to download or update the app for XXXX so I called XXXX 's customer service number XXXX, where I was told they couldn't help me and transferred me to their Payments department. Payments advised they could see nothing and that it should drop off the following day. It is now seven days later and I've called the general customer service line and requested a call back from management to try and get this fixed, been transferred to the Payments department again, then transferred to the XXXX XXXX XXXX department, where a gentleman reiterated that they don't know where my {$300.00} is and that a manager wouldn't help me any more than he has. When I requested to speak to a manager still, as I've been given different information and received NO communication in return as promised, he hung up on me. 

I called back and spoke to another agent that tried very hard to help me, but she was also told that it would " hopefully '' be back in my account tomorrow, but when I asked what I do if those pending auths don't drop off and return my money, she told me " I can't answer that because I don't know - we don't know where the money is. '' With the app tanked from the XXXX market, I can't use it to request support, my bank has assured me that the charges are pending on the merchant end and not theirs, and I have been told it can take up to 30 days for my money to be returned. I can not purchase gas to get to and from work. I can not purchase food, pet food or my medications, and NO ONE will help me, and no one from corporate has called me back as requested multiple times over the past seven days. My automatic payments can't go through, my credit score is dropping and my grocery delivery was canceled because XXXX has completely cleaned out my bank account and says they have no idea where my money is or when I will get it back.Through all of this, XXXX has been completely unhelpful and has given me different information each time I have contacted them, refusing to assist any further.
Consumer complaint received 2021-02-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, This letter is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/ ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. I have attached my recent Police report to this letter. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

Loans indicate a starting amount that is much higher than the disbursement plus capitalized interest. Some include disbursement fee and repayment fee

. There are 3 that still have my cosigner even after being in repayment almost 20 years. Repayment total {$20000.00}, interest paid total {$51000.00}. How is my interest paid 149 % the amount of loan paid? How is this not predatory lending? Of my original {$55000.00} I still owe {$34000.00}. After 17years I have only paid 37 % of my loan? My loan with the highest interest for the first 2 years I only paid down {$550.00} and paid {$2400.00} in interest. Of the original loan amount of {$15000.00} they added on {$520.00} ( 3 % ) repayment fee, {$900.00} ( 6 % ) disbursement fee, and {$1500.00} of capitalized interest. All of my loans also show an unpaid Principal balance value that is almost twice the amount of the loan plus fees. For example on the {$15000.00} loan with fees above ( {$520.00}, {$900.00}, {$1500.00} ) was total {$17000.00}. However the unpaid principal balance value was {$32000.00}. Was interest calculated on this higher incorrect amount?
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted both Capitol One ( original said Creditor ) as well as the collections agency XXXX XXXX about the debt that theyre saying is mine. I immediately contacted them both upon the collection account hitting my credit in XX/XX/XXXX for {$3300.00}. The debt has never been an Account on my credit report at any time since it was supposedly opened in XXXX. The verification the collections agency sent me in the mail was missing a bunch of information including XXXX room history. Capitol One was not able to provide me any details saying they sold the debt so I had to work with the collections agency. The credit account is not mine! I filed a Fraud dispute with Capitol one in XXXX and never heard back from them validating the debt. The debt is 7 years old and no one can validate its mine. I never have worked with Capitol One in my life. Theres not credit reporting on my credit file ever with Capitol One.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XXXX with no change. I recently sent another letter in XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them Transunion.
Consumer complaint received 2021-05-07
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: TRUIST FINANCIAL CORPORATION (FL)

I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 
SUNTRUST BANK # XXXX 
These account are fraudulent and not mine
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (OH)

When i try to connect my PNC checking account to my brokerage account using XXXX it lists PNC and gives me a login screen etc but it fails in the end. I have complained to PNC several times about this to no avail. It has been going on for at least 6 months.
Consumer complaint received 2019-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MI)

I opened a second account with PayPal for my new business. I thought I could use a pseudonym when opening the account as this was for business purposes, and since I already had a personal account. I used all my legal information such as my SSN, address, and phone number, but used a different name. 

After opening the account, I made some sales, and had {$10000.00} deposited into this account from the sales I made. 

When trying to withdraw the money, they put a hold on the account and asked that I verify my information. I sent them a copy of my drivers license ( which has my picture, and address, social security card, and bank statements ( which also show my name and address ). They rejected these documents but gave no reasoning. 

I called them and asked why they were withholding my money, and why they are doing this only AFTER the money was deposited. They told me that because my PayPal name didn't match my legal name, they were withholding the money for 180 days. So I asked what I can do to change this, and they directed me to the settings on my account which allows for a name change. The settings state : Update your name ( use your full name instead of a nickname ) ( I am attaching a screenshot of this setting ). So I proceeded with this change, I submitted the docs they required for this which is my drivers license and my bank statements. After submitting these documents, they sent an email stating that they reject the request. 

I then called them to inquire why they rejected it, as I followed their instructions, and the instructions on the page specifically states that I am able to make a name change. They told me that the name change is only for businesses, but when I told them that the account is a personal account and not a business account, so how would they have business settings on it, they changed their story and said the name change setting is only if your name is XXXX and you used XXXX or if your name is XXXX and you used XXXX to open your account. I asked them to direct me to this in their policy as I couldn't find it anywhere and they told me they couldn't and wouldn't talk to me about it any further. I asked to be directed to a supervisor or manager that can help me with this situation and was told that this was as far as I can go, and that they wouldn't help me any further. 

This money is my what I have to live on. I have delivered the products to the buyers and need this money to pay my bills. I can't believe that PayPal has acted in this manner and is now refusing to allow me access to my money.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Through each Credit Bureau i had submitted a dispute for a Closed account that continues to be reported as accurate but it is not accurate due to the fact that the account should not be reported anymore, the state of Massachusetts has statute of limitstion of 6 years. Car loan with XXXX XXXX was opened in XX/XX/XXXX, it was paid off and closed in XX/XX/XXXX and i was already residing in MA since XXXX. This account I have even taken upon myself the duty of calling the XXXX XXXX in Puerto Rico were i had the loan and opened a claim to verify why the loan is still being reported on credit report, the bank auto loan customer service agent while filing the claim did confirm that the loan does not come up in their system and when it does not reflect it does not have anything to report to the credit bureaus. This account was disputed via XXXX app which is associated with Transunion. Results were provided in the month of XX/XX/XXXX, Indicating verified as accurate, pay status current and payment history cleared. Yet on recent pulled credit report from XXXX it reflects otherwise. Please see images attached showing the diferrence. On a last note also see that on current credit report it does not reflect as account ever being dispute while clearly my evidence shows it was and i received results directly from the credit beaureau.
Consumer complaint received 2021-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Please remove an account that has been reporting for 7 years on my credit file it is a direct violation of my consumer rights. It is your obligation to report complete and accurate information. I feel I am being discriminated against with my prior complaints. I get automated responses and immediately close the prior cases. I forwarded these to consult. The account XXXX XXXX  XXXX # XXXX I have attached a letter and the account that is currently reporting.