davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (GA)

1. made a electronic payment thru my bank XX/XX/XXXX for {$120.00} 2. The account # that I sent the payment to had been closed in XX/XX/XXXX and sold to another bank. 
3. Contacted current account and explained situation, they directed me to the bank I made payment to 4. That bank said the account is closed and directed me to my financial institution I use to reverse the payment 5. The financial Institution tried 3 times and all were declined by the receiving bank. 
6. Contacted the bank again and they said the process is to contact the bank that now holds my credit card to start an investigation. He assured me this was the process 7.  Called the current bank to start the investigation and he said he would but he could see no way to get the money from the receiving bank and again directed me back to the first bank. He did however, start a case. Am to receive a letter in the mail. 
8. I have been going back and forth with these 2 banks since XX/XX/XXXX my first initial inquiry.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (MI)

XXXXXXXX XXXX XXXX acting on behalf of American Express has been contacting family members despite a resolved complaint to the CFPB on XX/XX/2020 where Amex stated they would no longer contact at least one family member 's home and cell numbers. They have been doing so in breach of the FDCPA and TCPA by utilizing robocallers as well as spoofed telephone numbers such as XXXX.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020, the merchant XXXX charged me XXXX for a gaming PC that's so corrupted to the point that games crash every time after opening and the resolution worsens all by itself to the worst possible resolution without me having anything to do with its utter defectiveness. I tried to return it but the merchant refused to pay for the return when they were the ones who sold me the scam product in the first place. Here is their official site : XXXX XXXX XXXX
Consumer complaint received 2020-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2022-09-20
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: The Aligned Company DBA Extra (LA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has vbiolated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 2020-08-24
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: Experian Information Solutions Inc. (NY)

This is my third complaint against XXXX XXXX, one of the worst consumer lending companies that I have ever encountered. In XX/XX/2019 I applied for and was given a hardship agreement by XXXX XXXX to make payments of $ XXXX/month. Although I made the payments on time and received confirmation that I had authorized a payment on XX/XX/2019, XXXX XXXX failed to process the payment. As a consequence they improperly charged off my loan for non-payment on XX/XX/2019. After I filed a complaint with the CFPB, XXXX XXXX admitted in their CFPB response to me dated XX/XX/2019 that they made an error on my loan status and on XX/XX/2019 they had corrected how my loan was reported to bureaus and repurchased the loan that had been charged off. 
Nevertheless on XX/XX/XXXX, according to my XXXX XXXX credit report, the account was once again wrongly reported as " charged off '' despite the fact that I have been making the required {$150.00} payment on time for 8 months. As a result of XXXX XXXX 's illegal change from " open '' to " charged off '', my credit score plummeted 31 points.See below message I got on XXXX. 
" Based on XXXX data Credit changes Current score XXXX XX/XX/XXXX -31 pts to XXXX Accounts With Missed Payments XXXX XXXX XXXXXXXX Status Changed to " Charged Off '' A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
XXXX XXXX XXXXXXXX '' Additionally, when I called XXXX XXXX, their agent with the first name XXXX told me that on her computer screen, the system showed that my account was charged off, even though their separate notes showed it was " repurchased '' and current and open. 
For the last 8 months, I have also not been allowed access to my account information online, I can not obtain balance or payment information online, and can not make payments online. I also receive no paper statement. 

This is already my third complaint against XXXX XXXX, which shows how determined they are to violate the law. In my second complaint, they asked for more time to fix the problem and then never did anything and failed to even filed a response to the complaint.. They need to step up to the plate and fix this situation.
Consumer complaint received 2020-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-24
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. (MA)

XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion customer service would not help and take care of the negative inquiries reporting to my credit report. I have no knowledge were these inquiries came from. I took the time to contact each company separately and neither one could give me information where this inquiries came from. The only course of action they gave was to contact TransUnion.
Consumer complaint received 2020-08-24
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. (CA)

on XX/XX/2020 i was denied a auto loan due to a negative account that was appearing on my credit report from a company called XXXX XXXX XXXX XXXX account number XXXX i don't know who opened this account under my name.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (TX)

Opened a credit card with Navy Federal Credit Union in XXXX, before entering XXXX XXXX in XXXX, and recently applied for protection under the Servicemember 's Civil Relief Act but was denied. I provided XXXX XXXX orders and a certificate from XXXX XXXX XXXX to verify dates of XXXX XXXX service from XXXX-XXXX.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (AL)

1. The following information was provided to me by XXXX for the XXXX XXXX account I once had. The account has been PAID IN FULL and CLOSED. The account on my XXXX credit report reflects the following : -Balance : {$360.00} -Status : Needs attention. 

2. My XXXX Credit report reflect the XXXX XXXX account was closed XX/XX/2020. This information on my XX/XX/XXXX Credit Report is absolutely inaccurate and affecting my credit score!! Please fix!!! 

( Info in paragraph below was provided to me by XX/XX/XXXX regarding my Dispute. ) >> We have researched the credit account. Account # XXXX The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. This creditor has verified to OUR company that the balance is being reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX 3. I'm also having an issue with the Lending Club Corp reporting the correct information to the 3 Credit Bureaus. I paid this account IN FULL directly with Lending Club over the phone. The account status is reflected as in-collection/or charged off. I paid this account to a {$0.00} balance, therefore it was not CHARGED OFF!!
Consumer complaint received 2020-08-24
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)

Several letters were sent out to XXXX credit reporting agency. The first letter was dated on XX/XX/2020 to remove the wrong information on my credit report and nothing was done at this time.
Consumer complaint received 2021-04-28
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (AL)

1. The following information was provided to me by XXXX for the Security Finance account I once had. The account has been PAID IN FULL and CLOSED. The account on my XXXX credit report reflects the following : -Balance : {$360.00} -Status : Needs attention. 

2. My XXXXXXXX Credit report reflect the Security Finance account was closed XXXX XX/XX/2020. This information on my XXXX Credit Report is absolutely inaccurate and affecting my credit score!! Please fix!!! 

( Info in paragraph below was provided to me by XXXX regarding my Dispute. ) >> We have researched the credit account. Account # XXXX The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. This creditor has verified to OUR company that the balance is being reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : Security Finance, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX XXXX. I'm also having an issue with the XXXX XXXX XXXX reporting the correct information to the 3 Credit Bureaus. I paid this account IN FULL directly with XXXX XXXX over the phone. The account status is reflected as in-collection/or charged off. I paid this account to a {$0.00} balance, therefore it was not CHARGED OFF!!
Consumer complaint received 2020-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have been a XXXX XXXX for 16 years. I made my payments on time with a goal of having loan forgiveness due to being in a public service position. During all of my years with Sallie Mae & Navient, they told me about having to make all payments on time, however, I was never informed that I had to have my students loans moved into a PSLF loan until about a year ago. So now, I would have to apply for PSLF and pay off another 10 years. Ill already have them paid off on my own by then. So frustrated and so disappointed!
Consumer complaint received 2020-08-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MA)

Dear WellsFargo and XXXX XXXX ; Listen, you were required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is  your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4.  Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-09-10
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. (IN)

DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION. PLEASE DO NOT PUT ANY HARD OR SOFT INQUIRIES, OR CREDIT CARD ACCOUNTS UNTIL YOU CONTACT MY CELL PHONE NUMBER AT XXXX VERIFYING WHETHER IT IS ME THAT DID APPLY FOR OR OPEN A CREDIT CARD ACCOUNT. I AM A VICTIM OF IDENTITY THEFT, FRAUD, AND UNAUTHORIZED ACTIVITIES THAT ARE CURRENTLY OR HAVE PREVIOUSLY BEEN PLACED ON MY CREDIT REPORT TRYING TO PROTECT MY IDENTITY, AND MY SAFETY WHEN IT COMES TO FRAUD, UNAUTHORIZED ACTIVITIES,, AND IDENTITY THEFT.
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (WA)

I made arrangements to pay the small balance in 3 installments over the summer to resolve it and close the account. Payments were made timely yet they continued to add interest, which makes it impossible to pay in full. I've disputed, and they ignore me. They continue to call me 10+ times a day, changing the caller id # each time. This is harassment. They have called my family members who were on my XXXX account over ten years ago, which makes me think they are using hacked/sold info to do so. 
I just want them to leave me alone.
Consumer complaint received 2022-07-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which is misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the accounts listed below will be update as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX  XXXX Balance Owed : {$210.00} ; XXXX  XXXX Balance Owed : {$7100.00} ; XXXX  XXXX Balance Owed : {$3000.00} ; XXXX Balance Owed : {$1700.00} ; XXXX  XXXX BalanceOwed : {$3400.00}.
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC (CA)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2020-08-24
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: Professional Debt Mediation, Inc. (FL)

I have a loan with XXXX , PROFESSIONAL DEBT MEDIATION, and XXXX XXXX , XXXX . I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX PROFESSIONAL DEBT MEDIATION, and XXXX XXXX, XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-11-04
Product: Credit 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: SYNCHRONY FINANCIAL (NJ)

XX/XX/year> {$5.00}, XXXX XXXX  XX/XX/year> {$59.00}, XXXX XXXX. Both of these were charged to my PayPal account. 
I notified PayPal immediately that not only were these fraudulent but I had never even received an account number from PayPal so how was this charged? PayPal claimed that because they had my email it was accepted. Yet Ive received scams through my email so this makes no sense. 
XX/XX/year>, XX/XX/year>, XX/XX/year>, dates of three letters I received from PayPal claiming they are looking into the problem. 
XX/XX/year>, PayPal statement, {$150.00}, PayPal has added {$94.00} for???? 
XX/XX/year>, PayPal statement, {$160.00}, PayPal has added {$97.00} for????? 
XX/XX/year>, PayPal statement, {$120.00}, PayPal has added {$64.00} for???? 

Is this all a scam from PayPal???? 
No matter how many times I contact them they continue to conduct business as usual, if this is usual??