davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I started the process of repairing my credit as it is important to me. I settled and closed the accounts that were listed on all XXXX credit reports. I also disputed any inaccurate information on all XXXX credit reports. I followed all instruction given to me by all XXXX credit bureaus. I called all XXXX credit bureaus to confirm that all information and payments were received, they sent me letters confirming that the paid/settled accounts were closed. I lowered the balance on all active credits cards and made sure they were all in good standing. I also registered with XXXX XXXX to make sure I monitor my credit report daily as instructed to do so. However, there has been XXXX change in my credit score, all XXXX credit bureaus are providing completely different information as well as credit karma. 
Example : XXXX site is stating my XXXX XXXX is XXXX, but Experian site is saying my transunion XXXX XXXX is XXXX. I pay a monthly fee to monitor these XXXX reports and I feel like no matter what I do or what instruction I follow or what monthly fee I pay, I am being scammed because I have yet to see any significant changes in my credit report & score. I am being given the run around and non of my questions answered, and if I want " more access '' its a different fee added. Now that I am complaining to them, all of a sudden I have no access to my accounts. This is exhausting and discouraging. I am trying to make things right with my credit and I am getting no where. I truly need assistance with this matter as I feel I am being scammed by all XXXX credit bureaus and XXXX XXXX.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MS)

On XX/XX/year> their system was updating til XXXX but I dont know til I called. My account would not login me in was saying in correct password and I have biometric login saved. I couldnt make transactions neither so I start calling. Tried resetting my password also scanning my card and entering last digit of social system said no match. Called they will not use my social or any other information I have because I dont know my account number by hard I even ask to verify my transactions. I have money in my account n they dont have any location in the area where I live. The workers have attitudes hang up the phone in my face and will not let me use any way to get in my account without an account number my funds are locked up and I have no access.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/20XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX : XXXXXXXX XXXX XXXX : XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (CO)

Opened an axos checking bank account on XX/XX/XXXX. They were offering a checking bonus through XX/XX/XXXX with promo code XXXX. My application was approved on XX/XX/XXXX with the promo code in it. You can see it with screenshots under my profile. Checking bonus terms were direct deposits of XXXX per month and maintain a balance of XXXX. {$100.00} would be deposited each month if these criteria were met. I reached out to customer service on XX/XX/XXXX asking why no bonuss posted, and they told me it wasnt showing on my account, when it shows on my approved application
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc. (GA)

I am disputing this account for the following reason : the debt was reportedly charged off, but l have not received a 1099-C form from the creditor, as required by the IRS for debt forgiveness or cancellation over {$600.00}. The failure to issue a 1099-C form calls into question the validity of the charge-off and whether the debt has truly been forgiven or canceled.

Without receiving the 1099-C, I have no confirmation that the creditor has officially canceled the debt, nor has this debt been properly accounted for as income on my tax return. Therefore, I believe the current status of the account on my credit report is inaccurate.

To support my claim, I am requesting that this debt be verified under the guidelines of the FCRA, and that you obtain verification from the creditor regarding the issuance of a 1099-C form. If the creditor is unable to provide evidence that this debt was legally canceled and reported to the IRS, I request that the charge-off be removed from my credit report. 1681 ( e ) ( b ) a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reporting relates
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Blackhawk Network Holdings Inc. (OH)

On XX/XX/2018 I received a pre-paid XXXX card for {$50.00} as part promotional discount on a set of tires. On XX/XX/2018 I attempted to use this card at store and when I scanned the card it was taken for the full amount of {$74.00} instead of just the {$50.00}. I informed the cashier that the card was only good for the {$50.00} and she voided the transaction. I then paid for the items using my personal debit card. After returning home from the store I called the number on the back of the card and activated the card again believing that I may not have activated it in the first place. XXXX activated the card again and when I attempted to use it again it was declined. I looked on XXXX 's website and found that the original transaction of {$74.00} was processed and I owed a balance of {$24.00}. I have not spent the original {$50.00} and I want my money.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Receipt XXXX Date : XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX United States Subject : Request for Assistance in Restoring PayPal Account and Opening a Dispute Dear Sir/Madam, I am writing to seek your assistance in restoring my PayPal account, which has been permanently limited, and in opening a dispute for a fraudulent transaction that occurred on XX/XX/XXXX. 

I purchased a hot tub from a seller who turned out to be a scammer. Over the course of several weeks, the seller provided various excuses, preventing me from opening a dispute on PayPal ( Receipt number:XXXX ). Eventually, the seller sent an email admitting that I had been scammed and advised me to " deal with it. '' On attempting to resolve the issue with PayPal, I was informed that my account has been permanently limited. I have no understanding as to why this action was taken, especially since I was simply trying to open a dispute for a product that I never received. This situation has been incredibly frustrating, and I am now left without access to my PayPal account and without the means to get my money back. 

I kindly request your assistance in the following : Helping me restore access to my PayPal account. 
Facilitating the process to open a dispute for the fraudulent transaction in order to recover my funds. 

I appreciate your prompt attention to this matter and any support you can provide in helping me resolve this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Submitted method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. All documentation by email or mail. 
FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is XXXX years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of XXXX XXXX XXXX charge off from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-02
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. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-11-02
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. (CA)

I am contacting you to formally request the removal of several unauthorized accounts and inquiries from my credit report due to a recent data breach affecting my personal information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted from my credit report. Below, I have provided details on each account and inquiry that requires immediate action. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX  - Account # XXXX - Opened : XXXX - Balance : {$5900.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$86.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$20000.00} XXXX. XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$420.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX - Opened : XXXX - Balance : {$740.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX CA - XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX of XXXX - XXXX Date : XXXX XXXX. XXXX XXXX - XXXX Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX  XXXX XXXX XXXX - XXXX Date : XXXX XXXX. XXXX  XXXX XXXX XXXX - XXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX XXXX Bank - XXXX Date : XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I noticed some accounts that were not mine on my report, including some inquiries. Please remove these inquiries because I did not authorize them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-06-02
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am LIVID!! I called in by phone this morning on XX/XX/2018 around XXXX XXXX  to make a payment on my credit card using my DEBIT card. When I called and was attempting to get though the prompts it automatically routed me to an agent. When the agent answered I informed him I was just trying to make a payment and wasn't sure exactly why the system routed me to him but I didn't request an actual agent. The agent proceeded to tell me that I needed to verify potentially fraudulent activity ( a {$2.00} charge from 6 months ago! ) or my account would be locked. I told him I was driving and that I make lots of charges using this card and it would be impossible to remember that without viewing my records/ account. I requested a supervisor assist with the call because the agent was rude and talked over me the entire call! He stated he'd get a sup and NEVER returned after nearly 20 minutes of holding! I ended up hanging up and calling back to make a payment to the card on the automated system w/ my DEBIT CARD ( which per your policy is available immediately when made via a DEBIT CARD ) But due to the negligence of your staff my funds were NOT made available immediately and held vindictively!! I called and spoke with several agents and supervisors, I answered the questions regarding the charge and still my payment of {$220.00} was held for no VALID reason!! I missed my car reservation because your agent sabotaged my account and refused to release the funds!! I was embarrassed as my transaction declined after being assured by your sarcastic supervisor, XXXX that my account was in GOOD standing AFTER I answered her questions regarding a " supposedly fraudulent transaction!! '' If this was such a BIG issue WHY wait until I call to make a payment to discuss this??? I should have received a letter, text, email or phone call with questions, BUT I never received ANYTHING informing me there was a potential issue!! My payment should not have been HELD today!! There was NO reason to hold my funds, only that your staff ( the 1st agent I spoke with and potentially XXXX ) blocked the transaction from being available immediately in an effort to be spiteful!! Why was I not informed there was an issue prior to me calling in making a payment while in an emergency situation!!!! This is ridiculous and something needs to be done! I have filed a complaint on this company before for NOT advising me of sensitive information regarding my account properly, when needed and I see that hasn't helped!! My funds are still NOT available AND IT XXXX EST!!
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I am submitting this formal complaint to request the discharge of my student loans held by Navient due to their deceptive practices, misrepresentation, and failure to provide appropriate guidance regarding loan repayment options. 

Over the years, I have experienced significant financial hardship due to capitalized interest, which led to my loan balance ballooning far beyond the original amount borrowed. Navients actions have included payment errors, mishandling of forbearance requests, and incorrect assessment of late fees. Furthermore, Navient has consistently misreported my payment status to credit agencies, which has caused severe damage to my credit score. Their representatives provided misleading information that prevented me from accessing better repayment options, leaving me with a growing and insurmountable debt. 

Additionally, I was unaware that by refinancing my loans with Earnest, I was still ultimately tied to Navient, which I feel was part of their deceptive tactics. These actions align with the widespread fraudulent behavior for which Navient has faced lawsuits from numerous states and investigations by the Consumer Financial Protection Bureau ( CFPB ). 

Navients conduct has inflicted financial harm, mental distress, and a burdensome debt that could have been avoided with transparent and fair treatment. As someone who trusted Navients guidance during an economically vulnerable period, I believe I deserve relief. I am therefore requesting the full forgiveness of my loans. 

Thank you for considering my request. I urge the CFPB to take prompt and decisive action to hold Navient accountable and provide meaningful relief to borrowers like myself.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (UT)

I placed a money order through Western Union on XX/XX/XXXX, for {$740.00}. I ended up not needing to use it. I requested a refund and received confirmation of the request by email on XX/XX/XXXX. I never received my refund or any other contact from Western Union. I began calling in XXXX, and requested again for the money order to be refunded. I was told that it would take another 30-45 days. On XX/XX/XXXX I was told that the check was in the mail. On XX/XX/XXXX, there is still no check. I called on XX/XX/XXXX to ask why the refund has still not been processed, and no answer was given. I requested to have the money refunded to the original payment ( debt card ) I was told this is not possible, despite terms and conditions stating that a refund can be made to the original payment method or a check. I asked to speak with a supervisor and was told no. I asked for an explanation of what is causing the delay in my refund and was told that I could start the process over online if I want. To my view, Western Union has no intention of refunding my {$740.00}, and has stolen this money. There has been zero explanation made as to why I have been waiting XXXX  months for this refund. I have spoke with at least 5 different customer service agents and have been told the exact same thing each time Im sorry, it will be 30-45 days.