davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
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. (TX)

I am filing this complaint as Experian and XXXX have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. XXXX XXXX XXXX XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian credit report
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently applied for a refinance with capital one my current lender is XXXX I have been on the phone for numerous hours trying to fix this issue capital one declined my refinance after approving it due XXXX erroronus reporting the Auto loan was closed. I have reached out to XXXX and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on XXXX this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as XXXX passing the blame on to experience I am very upset all these long hold times in XXXX reporting has impacted my family and the issue needs to be resolved.
Consumer complaint received 2022-01-20
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 ()

Hello, I am XXXX XXXX XXXX, I am XXXX and unfortunately, I am affected by PayPal I work in the field of e-mail marketing with an American company called XXXX XXXX. 
The first payment they sent to me via PayPal, PayPal booked it and closed my account for 180 days, knowing that I did not even know the reason for that. 
-On XXXX I opened the account with PayPal -10 days later, on XXXX, XXXX  company sent me an amount of XXXXusd At the same time and at the same moment, PayPal surprised me by closing my account to confirm my identity... 
They asked me to send them a picture of my ID I said to myself that it is just a simple verification, I have already sent my ID in the place designated for it as it was required of me, and when I pressed send and at the same moment my account was closed definitively. 
I don't even know what criteria they took to close it even though they didn't even check my ID that they asked me for ( they asked for ID - I sent it to them - they closed it directly without even checking my identity ) And the biggest problem is that the amount sent to me by XXXX XXXX is not shown to me in my account PayPal sent me an email that I received XXXX usd but when I open the account it shows XXXX usd in my account I don't even know where she is.
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NV)

I transferred XXXX from my XXXX acct to venmoon the XXXX. 
The item cleared my Checking acct onthe XXXX. 
I really did not want this transfer but I initiated it so I had to wait until funds were released to retrieve it back. 
The hold they posted stated funds to be released on the XXXX. 
I made a Dr appt ear for today as I have been very ill. 
Today is the XXXX. 
The funds are Not released.i 've spent hours in chat trying to get my money. 
I have 12 pages of Chat. Each time I explain this is wrong they transferred me. 
7x I was transferred without them asking permission. 
7 times I asked to dpeakto someone in authority. 
Nobody helped me. 
The last Rep said they may hold my Monday till next Monday & that NOBODY at Vwnmo is able to change the computer. 

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 

I need my money.
Consumer complaint received 2022-01-20
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)

There is a lot of erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & violating FCRA rules. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, for me and my family, I can't get an apartment for me and my kids to live in a better area, I have to work at a low-paying job due to these inaccurate items on my credit.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have called over three month to close my account with HSBC. They confirm the account is closed, but later I again discover is was not closed. It is a dispute for {$4.00} pending, but this should not stop the account closure. 

HSBC XXXX XXXX Mastercard Change account Card number : XXXX
Consumer complaint received 2022-01-20
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. (LA)

I uploaded documentation proving I was never late on my car payment and was granted an extension. XXXX and XXXX updated my account to paid on time but experian has refused to remove this inaccurate late payment and told me due to internal policy they will not remove or update the inaccurate late payment. 
Even after I supplied proof from my lender showing I was never late
Consumer complaint received 2024-10-12
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: EQUIFAX, INC. (AZ)

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2023-07-22
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. (AZ)

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 XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/XXXX Date assigned : XX/XX/XXXX Account status : Unpaid Amount : {$1700.00} 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
Consumer complaint received 2023-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USDT and XXXX from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (GA)

OnXX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (IL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-09-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

I received my credit reports and observed Santander Consumer USA as a listed debt with a XXXX   balance on all three of my credit reports ( XXXX, XXXX and XXXX ). XXXX reflects that  {$3200.00} was written off ; however, XXXX or XXXX does not reflect a charged off dollar amount. I do not recall this account ; therefore, I mailed a certified letter, XXXX XXXX XXXX XXXX XXXX to Santander Consumer USA on XX/XX/2020 and per the United States Postal Service tracking website, it reflects that Santander Consumer USA received my validation letter on XX/XX/2020. To date, I have not received a response nor any validation of any sort from Santander Consumer USA and this is quite frustrating. They are placing a negative account on all three of my credit reports but won't provide any documentation or response of any kind to support this debt belongs to me. They have had more than 30 days to respond to my certified letter.
Consumer complaint received 2020-09-18
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. (NJ)

XXXX XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations.
Consumer complaint received 2020-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I have sent a Validation of Debt to XXXX XXXX on XXXX requesting documentations that the allege debt belongs to me. they reply with a print out document with my name on in and the allege amount of money I owe but also offering a 40 % discount of the allege original balance they said I owe. I sent a letter to the credit bureaus on XXXX respectfully asking them to do their own investigation and to provide me documentations bearing my signature as a proof that the account belongs to me. which they never reply.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (OH)

I have contacted Ally several times asking them to update the payment history and balance on my car loan. They are still reporting that the loan is late and I have been on time for over a year. it is negatively effecting my credit report and my cosigners credit report. I have disputed it with the all three credit bureaus and the same result they say lender confirms info.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (PA)

I am concerned regarding a breach of privacy and rights regarding my Mohela Loan Vendor, and involving the bank XXXX XXXX XXXX. 

In XXXX of this year, I received a letter dated XXXX stating my auto debit bank account information had been changed after a request made by my bank. 

This action negated a previous change I had made to my auto-debit account information on XXXX/XXXX/2016 and had been processed by Mohela for my XXXX 2016 loan payment. 

The information provided by Mohela in the letter indicates that they changed my auto-debit information without my consent back to an old account number that existed with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has been absorbed by XXXX XXXX XXXX and my account number with XXXX was/is no longer valid. This is what started the whole process of changing my auto-debits in XXXX, 2016. 

After being contacted by Mohela I reached out to them and was told that I had followed all procedures correctly for my change in XXXX of 2016 and they verified the change became active and successful for my XXXX payment. They then told me that despite this I would have to reinitiate a change back to my preferred account because the information that I entered in XXXX was no longer in the system due to this contact from XXXX XXXX XXXX. When I called XXXX to discuss why they would change this information without my consent, and why they would use an old and invalid account number, I received no answers. They claimed there was no record of them initiating a change, but they would look into the issue. I have not heard any more on the matter from XXXX. 

My issue is twofold. First, I have to repeat a time-consuming process that I have already completed. But, more importantly, I am making loan payments to an institution that seems to have very loose controls on my account information. After following their process, giving my consent, and waiting for the change to enter their system all this work was negated by one phone call that did not come from me -- the only authorized user of my account. Not only did they make the change without my consent, they did not verify the change with me, instead choosing to notify me by letter of what had happened without my knowledge. 
I do not understand who is at fault most primarily in this situation, and however - neither Mohela nor XXXX requested my consent for any changes and for that fact, I feel there has been an egregious privacy breach by both institutions regarding my personal information and preferences. It has at times elevated my level of XXXX in my quality of life and marriage, and going forward gives me little faith in the privacy rights I have with Mohela. 

Thank you for reading.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX Balance Owed : {$24000.00} I am requesting you to remove late payment on my credit file base on deferment. I was never and it is hurting my credit. 

XXXX XXXX Balance Owed : {$8800.00} - I am requesting you to remove late payment on my credit file base on deferment. I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was never late and it is hurting my credit. I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. I was never late and it is hurting my credit.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (IL)

The bank that issues my credit card placed incorrect information on my credit report in the 'Remarks ' section and sent that information to all 3 credit bureaus. On my XXXX XXXX report, this error was recorded on XXXX. The incorrect information had a negative affect my credit score. 

Someone at the credit card co. was careless with the information on my account and placed information on my credit report, in error, that I was disputing the account. The truth of the matter is that the only dispute I had on my account was with a hardware store purchase that I used my credit card to pay for the online purchase. 

To make matters worse, I spoke with a supervisor at the credit card XXXX who apparently lied to me when she told me that they only report to XXXX who then, in turn, report changes to the other 2 credit bureaus. XXXX advised me of this and told me that they do not report anything to the other credit bureaus.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise Credit Services sent me a letter in the mail, saying they are trying to collect a debt. 

I owe money to XXXX XXXX in the ammount of XXXX. 

They tried to get my social security number, my credit card number and my email address.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I have received two phone calls from a Debt collection agency call CCS Offices, number, XXXX. Claiming I have unpaid bills from XXXX. I have called XXXX. They have no record of unpaid debts and their records show I have no late payments. However, CCS continues to call. I would like to report this scam and get them to stop calling my home.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (OR)

XX/XX/2022 - XXXXXXXX XXXX PDT : I got 3 different emails from a Chime ( Also called XXXX XXXX ) claiming that my account was closed due to me being reported as deceased. This is probably in reference to Social Security accidentally claiming me as deceased back in XXXX. The issue was fixed and nothing has come up since then. So I was confused by the fact I was XXXX as deceased. Today, on XX/XX/2022, I contacted Social Security about the issue. They informed me that I am indeed not marked as deceased and I am continuing payment from XXXX. 

XX/XX/2022 - XXXX XXXX  : I contacted Chime bank about this issue. I explained that Im not deceased and have a letter stating so. I told social security what form/letter they needed to reinstate me and they said they have no clue what that is. So Im fearing they are lying to me. They even refuse to pay out what little money I have left in my account. Its government money and social security informed me that they are not allowed to withhold my funding. 

Due to this, I had to change banks, but there is a lot of damage done. I wont get my money in time to pay bills, Im having constant anxiety attacks and XXXX, I have a XXXX XXXX next week so Im scared. Im at risk of becoming XXXX due to this. Im looking to seek legal action for the XXXX XXXX  and the withholding of money, as well as the fact they are putting me and my family at risk of XXXX. They never even attempted to contact me before this. 

I just want XXXX and this to be fixed.
Consumer complaint received 2022-01-20
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. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (FL)

I have had XXXX for my student loans for years. I contacted FAFSA ( Federal Student Aid ) and they told me to contact you. For years, I was unable to pay anything and they kept telling me to just go into forbearance. I did that for many years and now I am reading they did many wrong things to many people. Also, I have had these loans that I haven't paid much on and now due to all the interest ( forbearance seemed logical as they were the experts ), I owe XXXX XXXX dollars. I don't know if there is anything I can do about it but I feel they mislead me as all those years I probably could have paid a bit but they always pushed, " we can put you in forbearance. '' I don't know if anything can be done but this wasn't ethical-it simply seemed an easy way to just be rid of me and my concerns and fears. 

My email is XXXX and my phone number is XXXX XXXX XXXX. 
My name is XXXX XXXX Thank you for any assistance. 
I would like to lower my huge debt amount as I trusted them as my provider and now I have come to learn they mislead many people.