davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-10-03
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. (MO)

I have tried multiple times to fix this issue with XXXX XXXX and Experian concerning the XXXX XXXX account. I have informed them several times how the account is not reporting accurately on my credit report. The EXPERIAN is reporting that the account STATUS IS LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE. 
The XXXX is reporting STATUS : CLOSED / payment after charge off/collection settled- less than full balance. 

It has now been eight months that I have tried to get this item removed from my credit report for reporting incorrectly XXXX XXXX and Experian have failed to do a proper investigation. They continue to let the an accurate reporting continue month by month while continuing to damage my credit.
Consumer complaint received 2022-10-03
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (MI)

Navient Student loan lender has applied late fees to loans while I was in school or while my loans were in forbearance. I have reached out to Navient to fix the loans that it applies to but they only gave me the run around. They have also added more interest then what they should have I had a {$3.00} or XXXX XXXX dollar loan that is now over {$10.00} XXXX dollars. The {$10.00} XXXX dollar amount shows that it was transferred to aidvantage on XX/XX/XXXX but was with Navient a few years back at {$3.00} or {$4.00} XXXX at the time. I asked about this and Navient could not explain either situation. Navient over the years has always added more then just interest and will not fix it. Also to note that {$10.00} XXXX dollar amount that started off lower than that was from XXXX and which is over the amount of time to collect. They put it as if it was a new debt and it is not. They have done several amounts like this that was well over the collection time frame.
Consumer complaint received 2022-10-03
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX  or leases Total balance : {$22000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX loans Total balance : {$30000.00} XXXX XXXX XXXX  Balance {$30000.00} Balance updated XX/XX/XXXX 6 closed accounts XXXX loans Total balance : {$690.00} 2 closed accounts XXXX Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$250.00} XXXX updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
XXXX These lenders have accessed your credit file : XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-10-03
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. (GA)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because an identity theft. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

PNC bank took over BBVA. PNC won't let me get my banking history. I have asked them but they will only give me 3 months worth. I need my banking history for tax purposes. Can you help me get my history from them?
Consumer complaint received 2022-10-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Enterprise Systems, Inc. (OK)

My debt was XXXX because of XXXX fraudulent practices, which XXXXXXXX XXXX XXXXXXXX was well aware of. They passed the collection off to National Enterprise Systems who keeps attempting to collect. Ive told them that they can check with XXXX XXXX and/or Department of Education for XXXX, but they insist on pursuing the XXXX debt and I want them to stop. Please make this happen.
Consumer complaint received 2022-10-03
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. (NJ)

As of Today, XXXX supplied a false creditreport to XXXXXXXX XXXX and XXXX 's falsely claiming I allegedly have many not paid as agreed accounts, severe delinquencies, and accounts I haven't had for decades or which a bank deleted settling a civil complaint of fraud in XXXX XXXX filed by my attorney seven+ years ago. Yet when my report is examined, I have all accounts paisd as agreed, never late on my retail telecom, auto, utility and other accounts. I was only ever able.to see good credit listings. I've written and requested all info on file about me with them, as well as to Equifax and XXXX XXXX, but no additional info or any of a deleterious nature is supplied me. As a result I have been denied {$620000.00} in loans and mortgages.
Consumer complaint received 2021-11-11
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: ALLY FINANCIAL INC. (TX)

Ally Financial Does not have the authority to report any information to the credit Bureaus during an open CFBP / Arbitration case. They are breaking code 12 CFR 1026. They are also not allowing the process to be completed.
Consumer complaint received 2022-10-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

Last XX/XX/XXXX my Remitly account did a transaction of {$710.00} using my XXXX account. They used my recipient name but changed the mode of payment/pick up to XXXX which is I never did used before. I only used XXXX pick up as I want my recipient to show there identification card when they do pick up money and the other one is a bank transfer. There is a lot of transaction made at the same time during that day that tried to withdraw money on my bank accounts and XXXX credit card which was saved on there application fortunately the other transactions was declined because of those XXXX accounts sent me notifications that the transaction was declined that's when I knew my account were compromised. I right away contacted Remitly and filed a dispute and was trying to cancel my account with them. I told them that it wasn't me who is doing the transactions and I am also currently at work at that time. I was talking to the fraud specialist during that time over the phone and he mentioned to me that the transaction was made in Texas and I told him that there is no way I did that transaction as I am currently living in California. He did insist that it was sent to my recipient that was on my file and i told him she did not received any money and I never sent money through XXXX. I told him I don't even know what Gcash means and how it works I have been here in the XXXX since XXXX. I was getting upset with the reasoning that he was telling me and the way he talked to me he seems to not believe my report. He said since the recipient was my cousin he assumed she has the money. During our conversation the line was cutoff and there is no resolution that was made. I also contacted my cousin and all the recipient on my account to ask them if they received money from me via Remitly and all of them said no. I also warned them about this case and what's going on. I contacted Remitly again today via chat and I have a screenshot of this conversation and all he ( XXXX ) have to say was this transaction was complete. I asked a lot of follow up question about that and he didn't reply at all.
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

With that being said, why hasn't XXXX and Experian Credit Reporting Agencies removed the following accounts that are inaccurate Whereas XXXX XXXX XXXX XXXX removed the accounts that were inaccurate, that are the same ones on XXXX and Experian Credit Reporting agencies. I have filed a complaint against these agencies, they have failed to remove the inaccurate accounts, two times prior, to this current complaint.
Consumer complaint received 2022-10-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a certified letter to TransUnion and XXXX XX/XX/XXXXXXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. XXXX very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX  XXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX Accout # XXXX charge off date XX/XX/202XXXX XXXX XXXX partial account # XXXX Charge off date XX/XX/2022 However I wasnt notified of the status being updated from being charged off to being active again.
Consumer complaint received 2022-10-03
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me and are reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CT)

I was approved for a charge card with American Express in XX/XX/2020. The card has no preset spending limit, however for the last several months I have had ongoing issues using my card and understanding my credit limit. I have used my card numerous time and it has been declined, which quite embarrassing when using it in a public place. In addition, I receive ongoing emails about how future purchase may be declined, when I have a low balance. I need to feel comfortable using this credit card.
Consumer complaint received 2022-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

This is pertaining to corrupt practices for Heartland ESCI. 

Dated XX/XX/XXXX ( Today ) I've always made payments by the due date or within the grace period. 

I made a payment for the month of XX/XX/XXXX with a due date on XXXX XX/XX/XXXX for an amount owed of approximately {$290.00}. I made the payment in the amount of {$310.00} on XX/XX/XXXX. 


Today I was informed by a Heartland ESCI representative that because I paid early in XX/XX/XXXX and the payment was recorded for the month of XXXX, my XXXX payment, made on XX/XX/XXXX ( which falls within the grace period of 9 days as informed by the representative ) only went towards the interest accumulated between XX/XX/XXXX and XXXX as there wasn't a payment made in the calendar days of XX/XX/XXXX ignoring my XX/XX/XXXX payment for XXXX. 


( FYI : My XXXX payment was made on XX/XX/XXXX ). 


So, because I made an early payment on XX/XX/XXXX for XXXX ( which was documented as a payment towards the XXXX billing ) I am being penalized by having my next payment goes towards the interest that accrued from XX/XX/XXXX to late XXXX as the system didn't make my payment for the interest that would have accumulated as of the XX/XX/XXXX. 

I've paid higher than the expected billing amounts the past few months, but I'm still asked to pay a lot more. 


Now I'm being asked to pay {$460.00} dollars after making my XXXX payment of approximately {$290.00} on XX/XX/XXXX which is in the grace period. I haven't been previously notified of any increases and I shouldn't see such see increases now. 

Historically my payment has been {$270.00}. 

Now with the interest of trying to preserve my credit score/history, I will have to make an extra, unnecessary payment. 

These are unfair practices. Please help or investigate Heartland ESCI consumer practices.
Consumer complaint received 2024-01-30
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 (IL)

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation.

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

Years ago in both XXXX and from XXXX when I had my sons I reached out to then Sallie Mae and requested that my payments be lowered. I was on leave and my husband was not working. We had 1/3 of our salaries. I was informed that we didnt qualify and we could only file for a forbearance. We were given this same information every time we called. Additionally these loans are FFEL loans. They were originally backed by the government and then some were sold to private companies. This is fraudulent on behalf of the government to service some of the loans and allow forgiveness but not others, especially when we as borrowers had no idea that this was happening.