davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: Navient Solutions, LLC. (TN)

My student Loan provider Navient has reported me XXXX plus days past due on my federal student loan. I was under the assumption that my loan was still in deferment as i was not notified otherwise. and I was also under the assumption that my loan was on hold due to the government placing loans on hold by the Biden administration. I reached out to them and they brought my account back current and placed it back in deferment due to hardship with no problem and the person that i spoke with said that the " late fees '' would stay on my account until my loan comes out of deferment that i did NOT need to make a payment until i started paying the loans back in XXXX. Now my credit report is showing a 3 time delinquency of {$160.00} dollars due to the late fees. I called again and they stated that I could send them a letter of dispute and they could resolve the fees. i sent the letter the same day last month and nothing has been resolved and now i can not get housing due to a late fee. Today I went into my account and paid the late fees because i have not heard back from them and did not know what to do.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I have yet to receive a correspondence in reference to my account. I was approved for {$1500.00} and my credit limit was lowered to {$500.00}. Considering my application was the collateral in which was used to obtain and open the account in my name ; I want to know what happened to the {$1000.00} which this company was issued in advance for the said amount. According to Federal Reserve Act, in no event shall such collateral security be less than the amount of federal reserve notes applied for. How is the financial institution going to tender my application for {$1500.00} then lower my amount to {$500.00}? I have a fiduciary obligation to ensure my accounts is receiving the equity it was giving at the beginning of the consumer credit transaction. You are commissioned under the Security Exchange Commission and took an oath to handle transactions in due form. Are you committing security fraud by advancing for a said amount and then lowering the consumer credit amount? Was the {$1000.00} returned to federal reserve bank and your accounts were balanced? I am demanding the accounting records on this account that is issued by the XXXX XXXX XXXX XXXX. Please dont inform about my credit score and factors when the application aka collateral security was what was tendered to obtain the XXXX. The security offered shall be notes, drafts, bill of exchange or acceptances acquired under the Federal Reserve Act.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (OR)

I opened a XXXX XXXX XXXX so that I could make my rent payments and gain points. 

I used the card on a Friday morning to pay my 1st month 's rent + my security deposit ( {$2400.00} ). My renter 's portal showed that my transaction was successful. 

On Monday, I checked my ledger online and saw that the payment had process and had also posted ( I have proof of this ). 

Afterwards, I took {$2400.00} I had in my personal checking, and made a payment to XXXX for that amount. A few hours later, I received an e-mail from XXXX saying that my payment to my landlord had been denied. After that, I received communication from my landlord stating that my account was past due and that the payment was not procced for " insufficient funds ''. 

I called my landlord and they stated that this situation was strange because the accountant confirmed that they had the money deposited into their business bank account. This further corroborated that that transaction was completely posted by the time I check online. XXXX rescinded my transaction AFTER it was posted and AFTER I made the payment for the full amount. 

Now, my landlord is upset because my payment bounced, and I have no funds to pay them directly since I sent that money to XXXX. Now I am being told that even though my funds were taken from my account in 1 business day and they were able to rescind a posted transaction, I have to wait 5-11 business days to receive my cash back. 

If you call the number they provide, all you receive is an endless loop asking you to please contact them using their " chat '' service on their website. Well, if you visit the website you will notice that they do not have a chat feature. They have a system that appears to be chat, but when you ask to chat with an agent, it simply composes an e-mail for you, and says that you will receive an e-mail back from them. I have not been able to get this issue fixed.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I received an escrow analysis stating that we are beginning the year with a {$4900.00} ( approx ) deficit. We modified in XXXX. We received an escrow analysis the last couple of years and our payment went up a bit due to the taxes and insurance increase. However, this year they are raising our payment over {$300.00} a month. We can not afford this increase and it seems they dropped the ball on notifying us properly so that we would not be in this situation. The mortgage company/lender should pay this deficit as it was their fault for letting us get in this situation.
Consumer complaint received 2023-05-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (TX)

I am contesting this charge because XXXX XXXX XXXX XXXX neglected to secure an insurance referral before the appointment. They never reached out to me to obtain this referral on my own, therefore I was under the impression as before that they would handle this referral between them and my insurance company. I was then charged as an out-of-network patient because of a lack of a referral. Then, based on the suggestion of my insurance company, I filed an appeal with XXXX to investigate why no insurance referral was on file in XXXX. The business office informed me that I would receive a response within 30 days which never happened, and upon my follow up calls with XXXX they claimed there was no record of an appeal. I attribute this to their own negligence. 

The collections agency has neglected to ever inform me of the outcome of the second appeal that I filed with them, and continue to notify me that the amount is owed. The company that owns my debt now is the State Collection Service. 

It should also be noted that I already paid the XXXX copay on XX/XX/2022, the date of my appointment. Upon making the payment I was not informed that an insurance referral had not been obtained. This is the correct and final amount that I should have owed for this appointment, as it was in-network.
Consumer complaint received 2017-12-02
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. (IL)

The name of the debtor is XXXX XXXX XXXX and they have 5 negative marks on my credit that were suppose to remove due to legal action taken by the CFPB back in XXXX XXXX, I have never signed any loan agreements with XXXX XXXX XXXX but it states that XXXX XXXX XXXX placed the negative marks on my credit. I am still getting calls from XXXX XXXX trying to collect on this debt. Please see the copy of the order : CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} XXXX and Stop Suing for Invalid or Unverified Debts XXXX XXXX, XXXX Share this Share on XXXX Share on Twitter Share on XXXX Share on email XXXX, D.C. The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX XXXX XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all XXXX student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. In addition, it requires the XXXX XXXX XXXX XXXX XXXX to pay at least {$19.00} XXXX, which includes initial redress to harmed consumers, relinquished funds to the Treasury, and a civil money penalty. Under a separate consent order, XXXX XXXX XXXX XXXX is ordered to pay a {$2.00} XXXX civil money penalty. 

The XXXX XXXX XXXX XXXX XXXX and their debt collector sued consumers for student loans they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Were ordering them to pay at least {$21.00} XXXX, stopping them from filing illegal lawsuits, and requiring the trusts to thoroughly audit their loan portfolios to identify any other consumers who were harmed.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On Monday XX/XX/2023 at approximately XXXX I attempted to deposit my check in the atm at my local Wells Fargo XXXX The machine malfunctioned, cut off, and rebooted and took my check giving me a receipt saying it was accepted but upon looking in my account the deposit was nowhere to be found. I then went inside the branch and was told to call the number on the back of my card or wait and have a banker help me. I waited and this banker filed a claim for the missing deposit. I got an email an hour later saying my accounts is now frozen and will be closed XX/XX/XXXX due to a fraudulent check. An hour later I received a new email saying my account is being closed because of an atm deposit not matching the amount of a check. Neither of those reasons are factual nor true because the check was not even processed nor deposited. I have been sent back and forth between being told to speak to the claims department and fraud department to have the hold taken off my account because I have bills that are due and piling up, I have no access to my account nor my check and am consistently told I can do nothing and have no access to my money until XX/XX/XXXX, nearly two weeks with no access to my funds. My account was not only wrongfully frozen but is being wrongfully closed. I have no access to anything. No one is helping me. All because the atm malfunctioned I am now dealing with extreme consequences and Wells Fargo refuses to offer assistance or help me in any way.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is a follow up on my complaint that you've closed XX/XX/XXXX. My issues wasn't addressed well. 

I am asking for your help to have XXXX  XXXX XXXX with an account number XXXX opened in XX/XX/XXXX deleted from my file. I asked the bureaus todo verification for this account and they did. They stated that the account is accurate without providing me any proof of how and who checked it. I know under the law that they are required to provide me all the information as proof.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I have tried reaching out to EXPERIAN, XXXX and XXXX with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and  from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.
Consumer complaint received 2023-05-17
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 (WA)

PayPal. 

Starting approx XX/XX/2023, the Paypal accounts linked to : XXXX XXXX Have lost most of their functionality and I am mostly unable to access and use these accounts as intended. 

Typically, the account will time out and become inaccessible. Sometimes I can log in and use the account, other times when I log in, the account will function briefly and then begin to time out. 

I have dozens of calls to Paypal customer service and also emails to, XXXX. 

A typical email looks like this, _____________________________ XXXX, Would you PLEASE have someone repair my technical issues? 
I ( and others, this is a Known Issue ) are unable to open or navigate to or within, Website, Paypal.com paypal.com/mts My accounts are usually unaccessible, XXXX XXXX Symptoms, Paypal times out either : 1. On login, account times out or if I can login 2. On dashboard, account times out, or if i get to the dashboard 3. I time out Devises affected 3 XXXX style PCs all on diddrent networks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None are able to log in or if they do, move from screen to screen w/o timing out during the screen change to the next page Browsers, XXXX XXXX Other, I can access ANY other website. 

In closing, This fault is on the Paypal side. Account access is sporadic or impossible. 
When will this known issue be fixed? 
___________________________ Thank you for registering my complaint.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CT)

Chase closed Freedom Unlimited credit card without prior notice or communication and placed a Settlement alert on my credit score. The credit card was fully paid off before the next due date stated on my statement. I never negotiated a settlement with Chase nor do I want to. I never requested an amount on my balance at the time the account was closed to be forgiven.
Consumer complaint received 2023-05-17
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, Please see attached complaint - please remove the below statement from my credit report XXXX XXXX # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 I contacted XXXX XXXX in writing to discontinue reporting the fraudulent collection account to my credit report as you are in violation of FDCPA. On XX/XX/2023 I contacted XXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account. To date, XXXX XXXX nor XXXX XXXX XXXX XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, Transunion, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX, XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts and sent a copy to XXXX, TransUnion, and XXXX Credit Bureaus to dispute and delete this fraudulent collection accounts and any inaccurate information.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I AM A VICTIM OF XXXX XXXX  AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to request the immediate removal of unauthorized inquiries from my credit report. The inquiries in question do not belong to me, and I did not authorize anyone to access my credit information. 

Upon reviewing my credit report, I noticed inquiries listed under my name from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. I have no prior knowledge of these companies, nor have I engaged in any business or authorized them to access my credit information. Therefore, I believe these inquiries are erroneous and should be removed from my credit report. Here are the inquiries in question : XXXX XXXX XXXX Dates : XXXX XXXX  XXXX XXXX Dates : XXXX XXXX  XXXXXXXX XXXX XXXX Dates : XX/XX/ XXXX Dates : XX/XX/
Consumer complaint received 2023-05-17
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. (TX)

This is in response to complaint XXXX. Transunion stated that the company has verified the account. Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. The original creditor does not report the balance that's reporting on my credit report. I also sent you a copy of the PLAINTIFF 'S NOTICE OF NON-SUITS stating that the company XXXX XXXX dismissed all claims against me. I will attach it for your reference again. Please remove these accounts for failure to verify : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

XXXX  Customer Service, Paper bill does not clearly identify phone payment cutoff. There are 2 places on the face of the bill that mentions in small print mail in payments being cutoff time of XXXX XXXX on the due date. 

Above that in another spot there is a late warning " If we do not receive your minimum payment by the due date, in this case XX/XX/2023, a late fee of XXXX will be incurred '' With that in mind, I paid over the phone at XXXX but heard the prompt say it was late. 

2 conversations regarding the unfair practice and deceiving verbage on the bill only had them tell me that phone payment info is on the back. I expedited to a mgr. but they were not willing to budge and waive the late fee saying I already used one per XXXX months. The XXXX store has a young clientele and assuredly 90 % pay online or on their ap. so this company knows exactly what they are doing. I would like to cc this information with the letter. 

I was told I could only write to the XXXX XXXX in which I do have a letter ready for mailing.