davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Information that I own money to the dept of defense is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe this.. this was an error on the finance ( unit ) And child support which Im up to date on
Consumer complaint received 2019-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

An eviction debt was owed to a collection company IQ DATA INTERNATIONAL for {$2300.00}. The Account was paid off in XX/XX/2019. I havent received written verificaiton or reciept of payment from IQ Data international but they informed me that their system says the debt was payed and they informed the previous company of the debt payment. But it keeps showing up on my credit report and I am not able to get an apartment without paying substancial fees until this debt is cleared.
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had an account go into collections for Capital one Bank USA, NA. The Amount due was {$1000.00} and the account was settled out XX/XX/2019. The Company that holds the debt XXXX XXXX said they sent over the settlement info to capital one a while ago and that i needed to contact them. Capital keeps sending me back to XXXX XXXX for information. I just need this account to be settled ASAP ... THKS
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

They were told that someone without permission using my card account number and I file the disputes right away and they didnt want to help me with the disputes and closed my account out and refused to refund my money back or anything else and also someone send me a XXXX XXXX  payment and I transfer it to my account and they refuse to let me have it and told me that I dont have the right spelling of my name from the sender so I told them if I can not get my money then please refund it back to the sender account and they told me that they cant do that because its a security reason and they are keeping it until they figured out what they want to do with it all this is totally wrong and I dont know what to do about this anymore but Im being scammed and robbed by this company called NetSpend please help me with this matter they have taken {$860.00} from me and dont want to return my money back to me thanks for your help looking forward to hearing from you guys soon XXXX bless
Consumer complaint received 2019-04-26
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. (IL)

XX/XX/XXXX I noticed errors on credit report and I disputed with Experian information services concerning two accounts " XXXX  XXXX XXXX  " and " XXXX XXXX XXXX ''. Experian stated they verified these accounts so I sent a debt validation to both " XXXX XXXX XXXX " and " XXXX XXXX XXXX ". Neither company was able to validate these debts or provide any original documentation. I also sent Experian evidence proving the debts they were reporting were false and therefore needed to be removed. However Experian continued to report false information which is illegal. I have provided all the documents to prove my case. To say they verified these debts is unlawful and shows they're intentionally reporting this debts to harm my credit score. I have PROOF that these debts are not valid. They never did an investigation but only " verified '' they debts through XXXX with NO supporting documentation. Experian is reporting {$16000.00} in debts with no PROOF or documentation how is this possible? this ruins peoples lives and Experian needs to be held responsible I provided specific details of why these companies were false and needed to be removed. 

( XXXX XXXX XXXX XXXX ) - I do not owe {$6500.00} and this is not my debt. I disputed with the collection agency and they sent me a balance sheet with a {$6500.00} lease termination fee for XXXX which is false. The balance sheet was not authorized ; it doesn't have a signature. I signed a Right to cancel form ( sheet B ) therefore I did not have a XXXX lease, proving that this debt is false. There is no way this debt could have been verified. This has been removed from my XXXX report. Reporting this false debt, it is in violation of the FDCPA and FCRA. THERE IS NO WAY EXPERIAN VERIFIED THIS DEBT. I have attached PROOF that i do not owe this debt and it shouldn't be reported. 

( XXXX XXXX XXXX ) - I do not owe {$9700.00} and have no knowledge of where this account came from. I never had a written agreement or payment arrangement with this company or creditor. This is a false account and can not be verified. When I asked XXXX to validate the debt they sent a balance statement with fraudulent charges ( Sheet A ) and could not provide a contract baring my signature needed to verify these charges There was no way Experian was able to validate this debt. There is no supporting documentation. Also a collection account can not be closed and have failed monthly payments. That is a violation of the FDCPA. Experian never did a investigation. You can't verify a {$9700.00} debt through XXXX with no supporting evidence this has affected me financially, mentally, and emotionally. I'm not able to move forward with my life because Experian doesn't verify debts on consumers report.
Consumer complaint received 2019-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

On XX/XX/XXXX I contacted Navient regarding my 3 private student loans held with their company. My loan has been on interest rate reduction program for the past year and a half. the current reductions rate is 6 % and I pay a payment of {$160.00} every XXXX of the month via payments that are set up by their interest rate reduction program. The payments are split between interest and principal with interest being first. Due to the fixed interest rate each month the amount paid towards interest should decrease and the principal amount should increase. Unfortunately that has not been the case the amounts I pay towards interest and principal vary by large amounts each month. The servicing team could not provide explanation for that. Simply stating they don't have access. Also I have a line on both XX/XX/XXXX and XX/XX/XXXX for a loan sale which added additional interest to my loans and they could not provide answer to that. Another item on XX/XX/XXXX was added on for capitalized interest which should not of occurred. They stated that happens from time to time when full interest isn't paid but each month the full amount of interest accrued should be paid before principal. I was not in forbearance or deferment where I would not of paid interest in full for XXXX. Each time when I try to get clarification from their agents no one has an answer and keeps trying to pass the responsibility to someone else. It is super frustrating dealing with such an incompetent company.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Another name is reporting on my credit report. 

XXXX XXXX XXXX I notice that there is more than one address reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-26
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)

I notice different there is a different name reporting on my credit report. 

XXXX, XXXX, XXXX Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I have an American Express card with reward points based on purchase. After reaching the required total purchases amount for the year, the card pays back 5 % on gasoline purchases. In reviewing my reward statements, I noticed that while the card was paying the 5 % on most gasoline purchases, it was paying the minimum of 1 % on purchases from the XXXX XXXX gasoline purchases. I reviewed all the monthly statements, and there were ten occasions where I had received 1 % back instead of 5 % back. I contacted the service representative for American Express who looked it up and saw the XXXX XXXX was listed as a convenience store, not as a gasoline station. I pointed out to the service rep that each of the purchases would show something like 14.567 gals @ {$2.00} a gallon. The customer service rep stated it didn't matter what the terms of the credit card agreement was, if the retailer had the business listed as anything under than a gas station, American Express would not honor the the credit card agreement on the reward points. While the dollar amount of reward points is small, {$1400.00}, it is unfair of American Express to not honor the credit card agreement on points to be paid on gasoline purchases. If American Express is defrauding other customers this way, it should be stopped.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My credit card account with XXXX XXXX is being wrongly represented on my credit report with Experian My account is being managed with a Credit Counseling program and the Agreement made with XXXX was accepted for the full balance with an acceptance letter stating they would not charge off my account. They did charge off my account also they have received all of the final balance and are reporting as written off not expected to be paid they have been paid consistently all agreed payments on time for the entire time and prior to this agreement was paid consistently on time There agreement letter stated they would neither negatively or positively report on my credit with them and they have
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

This has been an ongoing issue since XXXX of 2018. 

I have a disputed {$450.00} Charge that I submitted evidence to justify the dispute. This charge is from XXXX. They did not provide the services paid for. They were to insure shipments, and didn't. I had to cover the repairs to equipment shipped. I have sent them e-mail transcripts, itemized bills, and they never bothered to process them until they claim XXXX. 

I have disputed this with Chase. I can not get consistent information from their executive staff who claim they had already credited this in XXXX. It now shows back on my card for XXXX, XXXX. This had been permanently cleared per my discussions with their representatives in XXXX. 

They now claim that it is too late to dispute. This comedy of errors is their fault due to misinformation, poor process control, and flat out false and misleading information by their people. 

They have allowed other merchants to charge my account utilizing cards that were blocked and replaced by their fraud team. Any attempt to rectify any of this is simply tossed from one department to the next. They seem more concerned that I recording the calls now than solving the problem. 

I need this {$450.00} removed.
Consumer complaint received 2019-04-26
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. (NC)

This account was in bankruptcy until XX/XX/2018. XXXX XXXX said that 3 payment were late not true and in XXXX of this years they said XXXX payment was late also not true. Need this investigation fone one this company bad business
Consumer complaint received 2023-01-30
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 (SC)

This complaint is against Paypal.com. I have tried repeatedly to close my Paypal account which was opened less than one year ago. My statement shows a " Paypal '' amount of {$5.00} in my favor. This money was a refund from an online vendor. The refund was to be credited to the original payment form which is my VISA CC. Instead

of refunding the money to my CC, Paypal stuck it in their account. Paypal online customer service states that to close my account I am required to do ALL of the following ; 1. Link my checking account to Paypal so they can deposit the {$5.00} for me. I will not link a bank account to this service under any circumstances.

2, When they do transfer the {$5.00} to my account they will be charging me a " flat Fee '' as they call it of {$5.00} and another " {$2.00} '' transfer fee. That's a total of {$7.00}. That has ME owing Paypal XXXX simply for transferring {$5.00} which I told them To keep, flush it. 
3. They are also insisting that I furnish my Social Security number for tax purposes. I paid each vendor state sales tax when I purchased an item from them so I don't or would not owe any other taxes.

SUMMARY : Pay pal is trying to scam me into furnishing them with my checking account information and my Social Security number. These two accounts in the wrong hands could steal every XXXX I have. That's what this company is attempting to accomplish. They refuse to close my Paypal account unless I comply with their requests. I would like for this agency if you have the authority to require that Paypal close and delete my current Paypal account.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX They are reporting the same account twice to each of the three credit bureaus making it look like I have more charged off accounts than I actually do. I've already attempted to dispute this and XXXX XXXX has yet to correct their reporting. I want this fixed on my XXXX, XXXX, and XXXX credit reports ASAP.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After many efforts, I need your help to have information removed from my credit report with XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX ( XXXX ). 

From XX/XX/XXXX to XX/XX/XXXX, I have requested on 4 times ( each ), for the credit bureaus and reporting agencies to remove inaccurate information, information that should not be on my credit report, and information not submitted by its furnisher. 

During the same time period, I notified furnisher providing information by letters to the credit bureaus to no longer share my account information with anyone besides myself. I also requested the furnisher to remove information that should not be on my credit report or inaccurate. 

ITEMS TO CORRECT : Remove XXXX XXXX XXXX This account was included in bankruptcy and charged off the furnishers profit and loss, thereby changing the status ( which is no longer a debt ). Needs to be removed from credit report with XXXX, TransUnion, and XXXX. 

Also notified ( mailed 4 letters to 2 address each ) the furnisher, XXXX XXXX XXXX and who has willfully not complied with my requests. 

Remove XXXX File transferred to Dept Of Ed / XXXX and is now a duplicate file and has not been removed by XXXX. 

Remove XXXX XXXX XXXX This file just appeared on XXXX, and I do not have a relationship with this company. 
This is a medical debt that infers I had XXXXXXXX XXXX ( HIPAA violation ) that I have no knowledge of. I called them and they got aggressive and hang up on me after insisting I owe this debt. I emailed them a cease and desist letter and demanded they remove this from my credit report. 

Remove Bankruptcy I provided TransUnion, XXXX, and XXXX  with a letter from the court stating they do not furnish information to the credit bureaus. The bureaus were all reporting different information, court location filed incorrect, wrong amount, wrong type, and wrong dates. 

After the bureaus received the court letter, they updated the information based on what the one bureau was reporting, instead of removing the inaccurate information. The information was not furnished by the originator the court. Bankruptcy should not be on my credit report. 15 U.S. Code 1681c ( 6 ) ( a ) ( 1 )
Consumer complaint received 2022-10-04
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. (SC)

I am wanting to remove these two collection accounts that do not belong to me. The collections are from " XXXX XXXX XXXX ''. The two amounts are {$4000.00} and {$3400.00}. I have no knowledge of these collection accounts because they were not opened by me. I would like them removed!
Consumer complaint received 2023-01-26
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: U.S. BANCORP (MN)

I had a credit card through us bank that was set up i. auto pay XX/XX/2022 before any purchases were made. I called I. XXXX after receiving a notice that my bill was not paid. They told me they made a mistake and reversed late fees. At that time, I confirmed with the rep that the card was on auto pay and they said yes. 3 months later I receive a notice saying the card
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (NJ)

I ordered groceries for delivery from XXXX on Sunday 4 days ago using my chime credit builder account XXXX processed the payment at XXXX and then wasn't able to deliver my groceries due to being short staffed so at XXXX the same day they notified chime that the purchase was canceled and authorized them to lift the hold on my funds. Chimes policy is a refund can take up to 7 - 10 days depending on the merchant but once the merchant processes it from their end it only takes 1-3 days for the money to go back into your account. XXXX processed it on Sunday it's now been 4 days and still no refund. Chime is telling me that they can see XXXX advised them on Sunday that the order was canceled but because it is still processing on their end they must wait for the transaction to be settled before they even begin their refund process. My issue is that XXXX didn't actually submit for a " refund '' XXXX says they submitted information that the order was canceled and authorized chime to LIFT THE HOLD on my money. Everyone I spoke to at chime agrees they can see what XXXX submitted and have confirmed it was recieved on Sunday but they still have to wait for the transaction to settle to begin the refund process ... XXXX gave them permission to lift the hold once chime recievrd that information the " transaction process '' should have been stopped it should no longer be a pending transaction so they could begin the refund process now they are telling me that it won't settle for 7 business days so that will be Tuesday then it could take another 7 days for me to get my money. Not to mention this is a credit builder account that works like a secured credit card I have to load or transfer enough money to cover my purchase and then chime transfers those funds into a secured account until the billing date at which time they use my money to pay off the balance for that month so XXXX essentially was paid as " credit '' and chime has my money sitting in a secured account and can see XXXX come firms I do not owe them this money I don't feel I should have to wait all this time to get my grocery money back and be able to buy food for my house
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo Account from XXXX to XXXX they repeatedly charged me when things would draft out and do it twice sometimes. On occasion I could get it fix or reverse but not every time big one was every time car payment seemed to come out I was charged over draft fee also I had a credit card with Wells Fargo and I was charged excessive charges when I went over on my credit card then when it was frozen they kept increasing the interest even when I couldn't pay cause XXXX XXXX but I worked out a XXXX dollar payment weekly until I could finally pay it off but I paid much more that the original debt plus all money I paid during the payment the interest never stopped... 

XXXX XXXX