davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint because Experian,  XXXX , and  XXXX  have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that Experian,  XXXX , and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from Experian,  XXXX  or  XXXX  trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from Experian,  XXXX  or   XXXX   regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. Experian,  XXXX , and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. Experian,  XXXX , and   XXXX    are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, un der Section 611 ( 5 ) ( A ) of  the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and Experian,  XXXX , and  XXXX  have yet to verify. Also, Experian informed me that they were not going to reinvestigate this information again unless I send additional relevant information.
Consumer complaint received 2021-01-12
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: DISCOVER BANK (IL)

This company is still reporting Ive tried to dispute and spoke with company still will not remove my name is XXXX XXXX XXXX I never applied for this account and Ive never lived at address they are reporting I would like to get this items removed as this isnt me.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

Im currently working XXXX XXXX at a XXXX XXXX living in XXXX. My rent is very big. Im on the save plan for a long time. Since I moved my loan to models not only did they not continue that save plan, they messed up my loan forgiveness which I qualified for through Biden plan.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint because XXXX, XXXX, and TransUnion have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that XXXX, XXXX, and TransUnion continue to report on my credit file : Bankruptcy Case ID # XXXX. I also contacted the United States Bankruptcy Courthouse in XXXX, GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from XXXX, XXXX or TransUnion trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from XXXX, XXXX or TransUnion regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. XXXX, XXXX, and TransUnion are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. XXXX, XXXX, and TransUnion are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX, XXXX, and TransUnion have yet to verify. Also, XXXX informed me that they were not going to reinvestigate this information again unless I send additional relevant information.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason at all when I am using it for my business and i make transactions through goods and services. It must be a mistake as i confirmed i am over XXXX as they asked sent the tracking info and invoice and they still closed it without reason. I feel they are not actually checking the info at all as this has happened with many people before. The email linked to my PayPal is XXXX, Thanks
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

These matters involves credit cards companies. I was involved in a credit breach. My personal information was exposed online, and has affected my report. The names of the companies on my credit report are Home Depot- amount for XXXX. This company has sold my information to another company regarding this account, and I did not give them permission to do so. The law 15USC1681 states that I have the right to privacy. The same situation occurred with XXXX XXXX in the amount of XXXX, XXXX XXXX in the amount of XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im requesting that all late payments, and negative comments be removed from these accounts.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

These matters involves credit cards companies. I was involved in a credit breach. My personal information was exposed online, and has affected my report. The names of the companies on my credit report are Home Depot- amount for XXXX. This company has sold my information to another company regarding this account, and I did not give them permission to do so. The law 15USC1681 states that I have the right to privacy. The same situation occurred with XXXX XXXX in the amount of XXXX, XXXX XXXX in the amount of XXXX, Amex/MacyXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, American Express- XXXX. Im requesting that all late payments, and negative comments be removed from these accounts.
Consumer complaint received 2017-05-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

Hello on  XXXX  2017, I ma de an international transfer of {$2300.00} to my friend with moneygram ( ref id :  XXXX  ). I used my  XXXX  debit card and for some reason my bank has declined that transaction.so I taught the receiver never received that amount and I have informed my friend about the same.     to my suprise, today morning (  XX/XX/2017    ) I got a call from  XXXX  saying that you have an amount to pay for moneygram of $  XXXX + {$30.00} ( check returned fee ) .I explained  XXXX  representative that the amount never deposited in receiver 's account then why I need to pay that amount to moneygram. first I contacted them using live chat and they said we did n't process that transaction as your bank declined to pay that amount.then I called  XXXX  representative he advised me to call moneygram corporate office.then I called them the person who took my call ( at moneygram corporate office ) is very rude at me and refused to say any details and asked me to call  XXXX  for further details.I really disappointed with their behavior and no one has told me what 's going on exactly and the  XXXX  guy threatened me to pay that amount as today is the final day.so I paid that total amount of $  XXXX .here are my questions for moneygram.     1.why did you block my account and I am not able to see any transactions so how can I believe that the money deposited in receiver 's account?   2.on  XXXX  2017 I  made a transaction you have my email and phone number on file why do n't you call me or email me about the issue?   3.please provide me the proof showing that the receiver got that amount as I am not able to login into my account.     I have attached the screenshot of your representative who said that the transaction is not processed and if you fail to show that the amount deposited in receiver 's account.I will proceed legally and the way they approached about this issue is not at all good.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MN)

Care Credit/ Synchrony bank charges inappropriate interest on accounts. Additionally they charge a late fee at XXXXXXXX XXXX on the day your bill is due ( most places give a 7-10 day window ) any fees incurred get interest charges. They inappropriately advertise 0 % financing for purchases and then stack on additional fees so when paying your bill you cant ever get the promotional balance paid- then they are able to back charge all Internest. I have tried to track all promotional purchases made with my card and was additionally being charged for a card protection I did not want. That also accumulates interest. I have had multiple calls to them, some of the interest has been resolved but they still couldnt tell me where the XXXX balance came From that was accumulating interest. I have filed XXXX complaint to no resolution. This started in XXXX and I am still not Happy with the resolution. They will not provide any definitive answers. I believe they are fraudulently charging interest to consumers for Profit.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 SECTION A SECTION : It also states a consumer reporting agency can not furnish an 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 the 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.
Consumer complaint received 2024-10-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MA)

They have called my sister and brother in law. Have threatened to have me served at home or work. Saying there is charges against me at the XXXX XXXX courthouse. There are no charges. Ive checked my credit. No old debts dating back to that time. Abusive over the phone. Someone named XXXX and XXXX XXXX from tsi. One call from XXXX. Wont send me anything in writing and only want me to pay {$500.00}.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2019-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Media Collections, Inc (UT)

On XX/XX/19, I was contacted by Joseph, Mann , & Creed stating that I owed an amount of some {$200.00} amount to XXXX XXXX XXXX. I was never contacted by them via writing ( as required ) prior to communication attempts by the company. I have double checked my USPS Informed Delivery and have no receipts of their attempts to mail me the required information. I called them back and told them I was disputing the charge as the charge back was legitimate due to not receiving items that we were charged for and XXXX did not reply to XXXX 's numerous attempts to contact them within the time window.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

Ive reached out to Sun-trust recently about the closure of, y account and there statement was that after an investigation into the check deposited on XX/XX/XXXX19 they would release funds. I've tried to provide them supporting documents that show that the check was valid as well as a contact number and emails from the lawyer. But they are refusing to allow such they have even refused to provide me with a way to get in touch with there arbitration Dept. I spoke with 6 representatives today XX/XX/XXXX2019 and heard several conflicting stories so while i'm here in Texas I decided to record 2 conversations ( which is legal in Texas with one parties consent ). They stated that the funds would be returned to the sender then i called back and they stated the funds would have to be requested from the Bank on the check. The accountant XXXX From the law firm was also on the phone and heard this and was baffled and spoke with the rep who stated that the funds would be return. Then she was even more baffled to know that the story changed. In the mist of this i was told my account was closed due to depositing a fraudulent check. also to add they took put a paycheck i had direct deposited in the account on hold as well. XX/XX/XXXX has stated that the check has cleared and they arent requesting the check back and Suntrust has no right to hold my funds on suspcion of Fraud. Theres nothing in the agreement i singed that says they can do such. Suntrust has the right to close the account when they see fit but they dont have to right to hold funds until they fill fit, In the agreement i signed it says that suntrust will release fund upon clossure of the account and the account is closed. ( see all attachments )
Consumer complaint received 2024-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WV)

On XX/XX/year> I made XXXX {$250.00} payments to Mohela. The money was taken from my bank account but did not reflect in my Mohela loan account. I called and they said they will investigate as I had provided them the confirmation number for the payment. They say it could be a month. I called back in XXXX and they said investigations are running behind. I am now receiving delinquent emails but they have my money for the amount of delinquency. I have tried several times to call and get the same answer. Now they will be reporting to my credit scores for delinquent accounts but I have already paid them. The money is out of my bank and they will not reflect it on my mohela student loan account.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Dispute of Collection Account Whom it may concern, I am writing to formally dispute the validity of the collection accounts referenced below. 

The account numbers are listed below and I believe this debt is not valid due to billing error, account not accurate. 

I request that you review my dispute and verify the debt. Additionally, please cease all collection activities until this matter is resolved. 

Please contact me at XXXX or XXXX should you require any further information. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

Greetings, I have repeadley inquired as to the reason WHY my Master card ending in  XXXX  has not been removed. The account has been closed and inactive for more than 2 years. I need a response as the WHY the online profile can not delete this info.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

Chime bank email to me : Were sorry to share the news that we have decided to close your Chime XXXX XXXX XXXXXXXX XXXX XXXX Account, Chime XXXX XXXX XXXX XXXX Account, and your XXXX  for Secured Deposit Account, effective immediately. 

Your account was closed for the following reason ( s ) : * Legal OR Law Enforcement Request At this time, you are not eligible for a refund of any remaining account balance.

If youd like to get in touch with Chime XXXX XXXX about this decision, please reach out via live chat in the Chime app or call 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