davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

I got approved for social security back in XX/XX/2020. I was residing in XXXX ny where my social security direct express card was being mailed to. I was told I had to move out before my card arrived. On XX/XX/XXXX my card was opened, activated using my social security number, and used without my knowledge. I recently found out where and when these transactions happened, and I haven't yet even seen the card .... I contacted direct express to file a dispute, a week later, they closed the investigation stating there was no unusual activity from my card. She received three payments. XXXX was {$46.00}, XXXX was {$800.00} and XXXX was {$780.00}, which altogether was {$1600.00} I have contacted the police, and since I have all the times, where these happened and when, the police are now waiting to catch her on camera and the report was sent over to the DA : s office, they are waiting to hear exactly what they can charge her with, and she's moments away from being arrested. Please, that. {$1600.00} is for me to live and It's already proven these transactions were not me. I'm asking for a real investigation into direct express so that I may receive a refund that I am entitled to. It wouldn't let me attach the documents that are needed here ....
Consumer complaint received 2020-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I sent the attached letter to my student loan company since they had not been sending me statements about my account. At the time I did not have an online account with them, they had purchase my student loan from the original creditor. In XX/XX/2020 a letter arrived at the residence of my parents that indicated my account was overdue. Nor that address nor my self at my current address received any other forms of notification before this collection letter. I immediately contacted Navient, signed up for an online account and brought the account current. Since Navient did not provide statements, nor are these statements available this violated Regulation Z requirement for periodic statements. This negatively affected my credit and I wrote to Navient in the first week of XXXX asking them to correct the credit report. I mailed the letter to the designated address on the back of the loan statement under the heading " Disputed Sums '' ( Navient, XXXX. XXXX XXXX, XXXX, PA XXXX ). It has been over 30 days and I have received no return correspondence from Navient about my dispute. This violates the Fair Credit Reporting Act as I disputed the inaccuracies of my credit report due to the absence of statements before the collection letters.
Consumer complaint received 2020-11-14
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. (IL)

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2020-11-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letter over 45 days ago to this bureau and still have not gotten a resolution. The bureau is disregarding a regular consumer 's dispute. My credit is really holding me back right about now. Please help a brother out.
Consumer complaint received 2020-07-04
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: JPMORGAN CHASE & CO. (CA)

I have been spending about {$8000.00} on my Chase credit cards per month for 2 years so there is sufficient transaction history to see my patterns. On XX/XX/2020, I received an email about a declined transaction asking me if I recognize the charge. It had a " Yes '' or " No '' choice and I clicked " No ''. I logged into my account and saw there were 29 unauthorized charges. I also determined that my card was lost or stolen. I locked the card and tried to dispute the charges online but it would not let me. I had to call. While on hold, the message tells me to dispute online but I could not. I finally reached a live agent and explained what the last recognized charge was. That was not acceptable. I had to go through all 29 charges one by one and state they were unauthorized. A few days later, the charges were credited and a new card was received. The former card has not been found. 

On XX/XX/2020, the 29 unauthorized charges showed up again on the replacement card. I thought it was a mistake and would be fixed the next day. It was not. I called Customer Service on XX/XX/2020 and was transferred to the Security Department. The Security Department told me there is nothing they can do and I have to speak to the Recovery Department. I asked to speak to the Recovery Department and I was told they are not taking calls and I have to email them. I emailed on XX/XX/2020 asking for a call and got an automatic reply stating, " Thank you for your email. We will call you if we need more information. '' I still have not been contacted. I also was never told what investigation was conducted, what the outcome of the investigation was, what the basis is for rebilling the charges to me, nor was I given an opportunity to reiterate the facts of the case. 

I realize the last 4 digits of the card in the attachments do not match but that is because the credit card number changed. It's not that I am confused about which card I am having issues with.
Consumer complaint received 2020-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (TX)

On XX/XX/XXXX, I took my daughter to purchase a care at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, IL XXXX. As a consumer, I was apprehensive as most because of the stigma that is associated with car dealers. However, I had already done a preapproval with a loan provider that I trusted. the loan provider advertised the car at XXXX XXXX for XXXX $ XXXX. Given that my father works for GM we are entitled to a employee discount, before going to the dealership we called them and informed them of the discount and inquired if the discount would be applied to the advertised price and we were told that it would. After being told that piece of information we went to the location and went through the standard price haggling. When we presented the advertised price, the salesperson proceeded to say that dealerships have to advertise the car with all of the possible discounts to be competitive with the area dealerships. I thought that was deceptive marketing. What is the likelihood that you will qualify for all of the compounded discounts..student, soldier, first responder, GM owner, etc ... Nonetheless, my daughter was eager to get a new car. So we continued the conversation about the price. It was then we were told that the GM discount can not be used in conjunction with the sales price. Again, we were given false information. Though, I should have walked out, we still moved forward. I was told that in order to get an additional $ XXXX off we had to use GM financing. As I previously mentioned. I had already been approved from another lender. So when I was told that we had to use GM financing, I hesitated, but agreed to under the terms that they would ONLY submit my loan authorization to 2 institutions. I stated this NO LESS than 4 times and the sales person agreed that they would ONLY send my loan to 2 lenders. When they returned they informed us that my credit rate was 7.5 %, then the finance person came with a different number. When we signed the paper work. I was told that the rate was lower, they were able to get my loan approved for 5.75 %. A few days later, I got a notification that my credit score went down by almost 30 points!!! When I reviewed the inquiries is saw that XXXX XXXX XXXX had submitted a credit approval to 5-7 different banks, none of which I had approved. They separately submitted my daughter to another creditor. After seeing this, I sent a message to XXXX XXXX XXXX on line and no one ever replied. 

This is devastating to me. I am in the process of preparing to purchase a new home in the next few months. I have worked extremely hard to get my credit to a place in which my interest rate for a new home is reasonable. The $ XXXX that I was supposed to save by using their financing is going to cost me THOUSANDS because of the impact to my credit. 

XXXX XXXX XXXX business practices are completely deceptive. From the advertised pricing to scam to the financing practices. These tactics are why people do not trust auto sales.
Consumer complaint received 2020-11-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2020, i mailed transunion a letter asking them to verify some accounts on my credit report becasue I noticed errors on my credit report after ordering a copy. I waited but didn't receive a response so on XX/XX/2020, i sent them another letter letting them know they didn't respond. I still have not received a response from them and it has been 3 months since I sent the first letter with no response received yet.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NC)

have opened a 'careCredit ' account and have received the card in the mail. however, i can not access the account thru the website carecredit.com. when i try to login i get this message : we apologize. we are curretnly experiencing technical difficulties and are unable to access your account. please try again later or contact customer service for assistance. 

for 8 days, i have tried to access my account. the only way to access is by using incognito browser, which is unacceptable i have called 4 different numbers for customer service, and no one was able to assist me. 
very frustrating and poor customer experience.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (GA)

In XXXX, Synchrony Bank closed my newly opened ( less than one month old ) XXXX XXXX credit card along with my other three credit cards I had open with them. I had accumulated {$420.00} in XXXX credit according to my billing statement. This money was confiscated by Synchrony. I contacted them and was told to contact XXXX XXXX to find out where the money was. XXXX told me Synchrony never sent them the funds to be applied to my account.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (DE)

I am currently trying to buy a house with a different lender and Pentagon Federal Credit Union is not reflecting my XX/XX/2020 and XX/XX/2020 payments from my previous home. I have requested the transaction history which still does not show the XXXX and XXXX payments and I have requested. It is preventing me from being able to move forward with buying a new home with a different lender. I feel as if I am not being prioritized because I am no longer using their services.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

The Company LexisNexis is stopping me from getting new Credit lines, Loans & Very important things I need for my bussiness to operate due to them putting Tax Lien on my public records. I am on a installment agreement with the IRS and pay them monthly. 


Source - XXXX XXXX XXXX  In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, senior director of credit risk assessment at data firm LexisNexis Risk Solutions! 

So why is my TAX LIEN on my credit report? I would like this be removed from my consumer report cause it is unfair to me when this is the only consumer place having my tax lien that I am paying off on file.
Consumer complaint received 2023-03-08
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Payment Account XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX Dealer Services XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries JXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries I would like to bring to your attention that these inquiries have been made without my knowledge or authorization. As per the Fair Credit Reporting Act ( FCRA ), it is mandatory that any inquiry or application made on my behalf must be authorized by me. 

Furthermore, I would like to point out that the late payment account reported by XXXXXXXX XXXX XXXX is inaccurate. I have been a responsible borrower and have made all my payments on time. I urge you to investigate this matter and remove this erroneous information from my credit report. 

These incorrect and unauthorized inquiries are causing me emotional distress and are adversely affecting my credit score, which in turn affects my ability to secure loans and credit at favorable interest rates. I request that you take immediate action to correct these errors and ensure that my credit report reflects accurate information. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I recently mailed dispute forms to both XXXX and Experian about the incorrect status of my student loans. My loans appeared to be charged off or in default but they are supposed to be in forbearance, due to an ongoing class action lawsuit. I also included the proper documentation to prove this information. Instead of updating my credit score to reflect the wrongful reporting, both XXXX and Experian dropped my credit score further more. XXXX dropped my score 70 points while Experian dropped my score 13 points. XXXX updated my credit report and deleted the faulty reporting.
Consumer complaint received 2020-11-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (TX)

I first reached out XXXX XXXX XXXXXXXX to the company via email about the issue. It stated they have a new verification process to where they have you enter your name then upload your identification card or drivers license or passport etc. I uploaded my NON expired I.D . that I have always used and it is not torn, scraped, or damaged so it is very legible. I previously pulled credit from them for months and made my monthly payments on time from my ACH ACCOUNT and all of a sudden I received an email stating they were unable to verify me and I could no longer pull my XXXX line of credit. It has not updated my XXXX XXXX but it says it has but I have the XXXX, XXXX, and XXXX XXXX which do not match. Now they have been going back and forth with me through emails stating there is nothing they can do to overturn the decision but I am responsible for paying them back but even while trying to make payments nothing is being pulled because it keeps saying reconnect bank account and its grayed out as if I can not connect. For the longest they were pulling money from my bank account so for them to say they can not verify me how are they able to pull money from my bank account which has the same name and identity. This is an account on my credit that can not be accurately accounted for if im unable to pull and pay them. I asked for a XXXX to help but told me there is nothing they can do as it is a XXXX time decision and they can not reverify me which makes no sense. How am I able to pay a company back who claims they can not verify me.
Consumer complaint received 2022-11-29
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 ()

Hello, My name is XXXX XXXX and I've been a PayPal ( PayPal email : XXXX ) user for XXXX plus years at this point, and have been using it as my main payment processor. Earlier this year ( XXXX of XXXX ) PayPal limited my account for the first time and requested that I provide them with in depth transaction details, business information, explain the nature of my business which I did and within next few days my PayPal Account was UNLIMITED and returned to its original state. ( Screenshot will be attached below )! 

6 Months after that ( on XXXX XX/XX/XXXX ) PayPal permanently limited my account once again without any option to appeal it at all. I've tried reaching out through support and e-mails provided to me without any success, I've only been provided template responses ever since, with them refusing to disclose reasoning behind the limitation. 

I'm the owner of a XXXX XXXX XXXX ( XXXX XXXX XXXX ) which provides its clients with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which entirely complies with PayPal 's Policy and Users Agreement. 
( Business Registration and Info will be attached below ) I've been using PayPal as my main payment processor since I started my Online Business ( back in XXXX ) and my operations never shifted, since day one I've been providing the same exact service to all of my clients and some of them have been paying me through PayPal for years which says enough about my business practices. 

I've got a legal entity registered under my name in my Country of XXXX ( Legal Documentation Provided Below ), I'm managing a Legal Business Operation and my business produces on average over XXXX Transactions Per Year with a Chargeback rate of under 0,01 %, and it's been like that for XXXX plus years. 

With PayPal 's most recent actions they froze XXXXXXXX XXXX of my available balance, money can't be sent, withdrawn or used in any shape or form. This is an illegal action since you've already reviewed my account a few months ago and everything was fine. 

So if you already want to part ways with my business you have to allow me to withdraw funds that were on the balance when you initially asked me for my business details 5 months ago. Since obviously according to you everything was fine back then. You are only legally allowed to freeze funds that were made after that period and your review. 

I'm really looking forward to being able to work this out with PayPal and provide them with any sort of evidence they might need since all of my products and services are 100 % legal and don't break any sort of XXXX. 

If PayPal keeps on ignoring my requests like they did until now i'll be more then happy to proceed Legal Action against them and Contact Legal Entities responsible for paypal 's practices! 

Best Regards
Consumer complaint received 2020-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

Company was paid in full and they are still reporting account as delinquent which is against the Fair Reporting Act. Their negligence towards consumer creditability is disgusting as if they are deliberately putting false information on people credit reports and they should be investigated for these practices.