davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
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: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX, I became very ill and had to take a leave of absence from my job and move in with my family so they could help care for me. I called American Express to notify them of this sudden change in my life to see if I could work out a payment plan with them. I had automatic payments set up to take care of the remaining balance over a period of 6 months. 

I was surprised to receive a letter in XX/XX/XXXX informing me that my account had been closed due to non-payment. The customer service representative I had spoken to originally had not marked my account for graduated payments or set up the automatic debit as agreed. I ended up taking care of the remaining balance, but American Express would not re-open my account or take ownership for their CSR 's mistake.

To this day, my credit report states that my account is somehow still open, but that it was also closed on XX/XX/XXXX. My credit report also inaccurately shows that my account was 120 days late between XX/XX/XXXX - XX/XX/XXXX. I was on a payment plan at that time, made every payment on time, and met all the requirements of that payment plan by XX/XX/XXXX,  so there is no reason for that to be on my credit report.
Consumer complaint received 2017-11-16
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. (MD)

XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.
Consumer complaint received 2017-11-17
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: Danco Financial Services, LLC (IL)

I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.
Consumer complaint received 2017-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IN)

Money was sent to trustworthy individual via PayPal from funds in my bank account for a collectible pocket knife ( aka legal acceptable item according to PayPal and USG ) funds were withdrawn by PayPal immediately however received this message : Transaction Details Error Message Regulations require us to take a closer look at some transactions. Your payment is temporarily pending while we review it. 



Payment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, XXXX Payment For XXXX XXXX XXXX Pending ... - {$500.00} USD Related Transaction Date Type Status Details Amount XXXX XXXX, XXXX Add Funds from a Bank Account CompletedYour transfer from your bank account to your PayPal account  is complete.Your transfer from your bank account to your PayPal account is complete. Details {$500.00} USD Business Name : XXXX XXXX XXXX XXXX The recipient of this payment is Verified ) Email : XXXXXXXXXXXX Payment sent to : XXXXXXXXXXXX Payment amount : ( in currency funded ) - {$500.00} USD Your fees : {$0.00} USD Your total charge : - {$500.00} USD Payment amount : - {$500.00} USD XXXX XXXX XXXX 's fees : {$0.00} USD XXXX XXXX XXXX receives : {$500.00} USD Note : The fees for this transaction are estimated, the actual amounts may be different after your recipient accepts the payment Date : XXXX XXXX, XXXX Time : XXXX PST Status : Pending Funds will be available to your recipient on or before : Our regulatory review may affect the date your money becomes available. 

Subject : You have sent {$500.00} USD to XXXX XXXX XXXX with PayPal Note : XXXX XXXX Funding Type : Instant Transfer Funding Source : {$500.00} USD XXXX XXXX XXXX XXXX XXXX XXXX ( Confirmed ) XXXX Back Up Funding Source : XXXX Credit Card XXXX The option to cancel this payment is no longer available. 

If you are n't satisfied with the service that PayPal 's provided you, you can contact these agencies : Consumer Financial Protection Bureau XXXX or XXXX ( TTY/TDD ) XXXX PayPal is withholding funds from my friend XXXX XXXX for no reason and has no means of being contacted. This is unacceptable. Thanks for your help.
Consumer complaint received 2017-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

receiving numerous debt collection letters from LVNV XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them money, they claim they purchase debt from XXXX but will not provide debt validation letter. 
I do not want a copy of contract with XXXX. I owed XXXX but not LVNV I need transfer or assignment of transfer to LVNV. 
they have violated the FDCPA Act please review the attached letter and documents
Consumer complaint received 2017-11-30
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)

On XXXX2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.
Consumer complaint received 2017-11-30
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. (TX)

On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.
Consumer complaint received 2017-11-30
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: EQUIFAX, INC. (TX)

On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.
Consumer complaint received 2017-11-30
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: BARCLAYS BANK DELAWARE (CA)

On XXXX XXXX, XXXX, my wife and I purchased into XXXX XXXX in XXXX XXXX. They insisted on a down payment and suggested we apply for and use a XXXX XXXX XXXX through Barclay Bank. On XXXX XXXX, we realized that XXXX did not deliver on their promises so I called Barclay and disputed the charges of {$3900.00}. I explained that I purchased a product/service from XXXX and did not receive what was promised. Barclay recorded the dispute and I got a letter from them stating that they would be investigating the dispute, on our behalf, and issued a credit for the charges. I also told them that an automatic monthly payment to XXXX was scheduled on this XXXX and that they needed to stop that too. They said they would. 

I never got my card from XXXX and in XXXX, I got a bill from XXXX with the charges put back on along with the XXXX payment charged to the card which not put me over my credit limit. I called Barclay again and XXXX, Dispute Advisor, said that I was misinformed because there is no way to stop an automatic payment schedule and that I would have to close the account to keep further payments from charged to the card. So I did that. Then he said he does n't understand why the charges were put back on the card because he does n't see that XXXX responded to their inquiry. So he said he would resubmit the dispute and that I did not need to worry about making any payments. Keep in mind that I still have not gotten my card and I have not used it at all. 

I get another bill with interest charges, a late fee, and an over the limit fee. I call them again on XXXX. I talk to XXXX this time. She says XXXX did respond and showed my signature for the original charges. I explain to XXXX now that I did not receive what I paid for and that is why I am disputing the charges. She then claims that a questionnaire response was sent to me. I did not receive any other correspondence from Barclay. She said she would send out another one and to give it 10-15 days. I still have not gotten the document. 

Last week, got an email alert that my credit score has gone down because Barcley reported a delinquency to XXXX. I called Barclay today, XXXX and they informed me that their computers are down and that I need to call back tomorrow. 

I have spent several hours of my time on this issue with Barclay that I will never get back. I am a XXXX XXXX XXXX and my wife works for a XXXX and this experience shows Barclay 's  nonexistent customer service. I just want our credit restored, these charges removed, and this matter be put behind us.
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

My loans were incorrectly serviced and has ruined my life, my credit report, and my childrens lives. I began receiving loans in XX/XX/XXXX. Now i have a ridiculous loan amount of {$74000.00}!! Account numbers are even wrong. Balances are wrong. Navient has even had debt collectors call and mail me about the same account! 11 years? Then start a new account just to kill my credit? Every loan has a rate over 3.4 %
Consumer complaint received 2017-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (AR)

XXXX made a settlement deal with me to pay XXXX XXXX an early termination fee for {$280.00} that would settle a {$400.00} bill. It was paid in two payments of {$140.00} on XX/XX/XXXX and XX/XX/XXXX. After making the payment on XX/XX/XXXX I called back to just go ahead and pay it in full same day. The man on the phone said the payment for XX/XX/XXXX could not be changed because it was already in the system. After receiving the settlement amount they post I had an unpaid balance of {$120.00}. They have refused to correct this matter. Their reporting caused this false information caused my credit score to plunge 45 points. I want them to delete the false reporting from my records.
Consumer complaint received 2017-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TN)

With all due respect my wife always will do the right thing. She has tried to work out several ways to lower or catch up mortgage. We receive letters and demands on the daily bases and also emails from time to time. But what the real issue is regardless of the default is we were not given full disclosure. We should all know that pooling, selling notes which is Securitization and fraud lying to investors and it is no longer a nogoetiable instrument it is a non-nogoetiable that has been turn into a security instrument. Through 21st Mortgage Corporation its agents or agent violated T.C.A. title 47 in Uniform Commerical Code section 3-305 ( a ). 21st Mortgage materially altered a contract without the  consent of XXXX XXXX XXXX or XXXX XXXX committed Fraud in the factum. This is why this transaction is illegal. And thus fraud which induced us both into a contract upon terms and conditions other than agreed upon. The law is expressed as 3-305 and claim recoupment. And as stated in general rule subsection ( b ). This is fraud and lack of legal capacity or illegality of  the transaction WHICH UNDER LAW nullifies the obligation of the obligator. Fraud that induced the obligor to sign the instrument with neither knowledge nor reasonable opportunity to learn of its character or its essential terms ; ; or the law that Governs this note/bond/mortgage security interest lien is the Statues at Large Public Law 13 38th congress Stat 99-118, the National Currency Act which expressed as prima facie Law under the United States Code Title 12 Banks and Banking, TCA Title 47 Article 3 Negotiable Instruments and Article 8 Investments Securities. We are XXXX XXXX and XXXX XXXX XXXX we are only asserting defense against the validity of the orginal negotiable instrument 'contract ' the alleged promissory note '. And last and foremost the first issue is consideration there has been no loan or consideration in this contract in the amount of {$60000.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-11-17
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: Navient Solutions, LLC. (NC)

XXXX XXXX, now going by Navient is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts ( 20+ ) between XXXX XXXX and Navient that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XX/XX/XXXX to XX/XX/XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XX/XX/XXXX are removed as we are coming into a new year. I need this done ASAP, as Navient/ XXXX XXXX is partaking in illegal reporting practices.
Consumer complaint received 2017-11-17
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. (MO)

I am filing this complaint against the following credit reporting companies. XXXX XXXX, XXXX, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : Charge-off XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XXXX/XXXX/XXXX XXXX  XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MS)

Santander has a charge-off account on my credit file and the balance keep rising. The account was opened X/2012. The amount is {$23000.00} account number XXXX. It is having a negative effect on my credit as they keep adding charges even though they say the account is a profit loss writeoff.
Consumer complaint received 2017-11-30
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. (CA)

In XX/XX/XXXX of this year XX/XX/XXXX while out of town on a business trip our home was burglarized. Upon making the initial report and turning the matter over to our insurance company we noticed upon being notified by our bank that our personal information may have been compromised. 
Over the next several months we were informed that since XX/XX/XXXX numerous accounts had been opened or attempted to be opened utilizing my personal information. Upon receiving all this information I immediately contacted law enforcement along with the FTC. 
Based on the initial findings a police investigation was initiated and their findings clearly outlined several accounts were opened with stolen personal information. 
At the end of the month XX/XX/XXXX upon the completion of the investigation I was given both a finalized police report along with a signed affidavit of forgery from the FTC. I sent the information Via certified mail the XXXX XXXX XXXX in which they received the information and packet on XX/XX/XXXX. On XX/XX/XXXX I made contact with Experian via telephone XXXX number only to be told they have yet to make a determination. Despite all the overwhelming evidence the identity theft has caused they have yet to block the fraudulent information. The other reaming credit bureaus have already initiated and implemented the freeze and block of my personal information.
Consumer complaint received 2017-11-17
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: Clarity Services (AL)

I have 2 Hard inquries on my credit report from XXXX XXXX XXXX. 
Dates include XX/XX/XXXX & XX/XX/XXXX I have never given these people permission to run my credit nor do I even know who or what this company is besides what I found on XXXX about them. It has caused my credit score to drop.
Consumer complaint received 2017-11-30
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: Experian Information Solutions Inc. (MI)

RE : Request for Investigation of Unauthorized Inquiry, I checked my personal credit report, which I acquired from your organization on XXXX XXXX, 2017, Report Number XXXX, and I noticed unauthorized inquiries had been made. 
I contacted ALL inquiry sources, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.