davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (CT)

XX/XX/XXXX my account had a person addex to the acocunt as my son. his name is XXXX XXXX. my account was locked out due to chargeres being taken from my account. XXXX XXXX  to b exact. i had called td fraud and told them i dont know this person and i dont authorize XXXX XXXX  being taken out. i even got voice varified right after due to the fraudulent activities. i woke up on XX/XX/XXXX to two XXXX dollar XXXX transactions removed from my account. paid through XXXX. i had immediately called td and they tried to cancell the transactions but it was too late. i went to my td bank in XXXX ct. the branch manager told me a police report wouldn't change anything and that we just need to file a dispute.. the dispute was denied for geolocation was the same. i was then told by the fraud department a police report will help. so i went and got the report and then went bank to td in XXXX where XXXX the other manager failed to properly resend the dispute ... my 2nd dispute was then denied. when asking why they said the police report was never sent.. i called td in XXXX and XXXX the branch manager who " sent '' it in said it must of gotten lost ... she then blammed other people for her actions of this lost police report. she claimed other ppl handled it when she was the one who handled my second dispute then lost my police report. after callimg td fraud and managers i still got no where. td is telling me its my fault i allowed my sccount to be compromised.. i dont see how they are right when i called on the XXXX about the first XXXX $ being withdrawn.. then another grand was removed ... so XXXX just thrown away and td thinks my police report is a joke and told me to go XXXX myself because its not fraud. this is the most unprofessional bank I've ever dealt with.. from fraud to branch managers td had no idea how to handle this situation and it has left me fighting td for over a month and i still cant afford any of my bills or way of life ....
Consumer complaint received 2020-09-21
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: Experian Information Solutions Inc. (OR)

On XX/XX/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX Experian and XXXX  that XXXX XXXX  had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and XXXX this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.
Consumer complaint received 2020-08-21
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. (CA)

all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy chXXXX, outdated reporting since 2013 ( over 7yrs old ) and UNDER AGE DURING TIME FRAUD ACCOUNTS OPENING
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

My husband and I resided in XXXX XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX. From XX/XX/XXXX, to  XX/XX/XXXX, I complained about a roach infestation to management and even wrote a letter to corporate multiple times. I was told the problem would be taken care of, and even after the birth of our daughter in XX/XX/XXXX, the problem worsened. We gave the apartment a 30 day notice that we would be leaving due to pest issues. The roaches were in our walls. Everywhere I turned, there they were and it was terrible! So much so, I found them in my infant 's room, and our kitchen. Shortly after we gave them the notice, our entire stove caught on fire! We were told that XXXX XXXX would take care of all of this and they never did. They are charging us for payments that we do not owe. We have already taken care of this. They have removed it from my husband 's credit but it still remains on mine. I tried to fight them by writing them and calling, and no one has returned any of my calls. This is ruining my credit and stopping me from renting another apartment. I am devastated. I am crying out for help.
Consumer complaint received 2018-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

Repayment status since XX/XX/XXXX, IBR payment {$0.00} + PSLF enrollment. 
I was put into an un-requested administrative forbearance in XX/XX/XXXX due to Chapter XXXX notification : qualifying PSLF payments are not being counted for this time frame and another time frame in from XX/XX/XXXX to XX/XX/XXXX due to employment change. XXXX got the certification from BOTH employers, there was no break in employment. 

The Mass. Attorney General Sued XXXX XX/XX/XXXX for : For borrowers on track for PSLF, the lawsuit alleges that XXXX XXXX   engaged in a variety of activities ( such as paperwork delays and erroneous determinations ) that forced people into forbearance instead of qualifying PSLF payments, or it failed to properly count qualifying PSLF payments. These actions caused thousands of PSLF-eligible borrowers to be in repayment far longer than they otherwise would need to be under the program.
Consumer complaint received 2018-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc. (NY)

For months, I have been receiving a host of daily and intrusive " robocalls '' from ( XXXX ) XXXX coming into my work telephone number. My work space is situated in an open floor plan, and so my colleagues are impacted and undoubtedly bothered by the frequency of these calls. Aside from family emergencies, I am not permitted to receive non-work-related phone calls, conduct nor otherwise engage in non-work-related activities during my regularly scheduled working hours. I have answered this call ( er ) on more than one occasion and each time I'd been met with an automated voice assistant 's instructional prompt, which indicates that if one were to press the number " 2 '' these calls would stop. This has certainly not been the case. The caller ID lists this number as belonging to Vital Recovery Services. I am not familiar with this company. And I have never associated my business telephone number with any consumer credit account beyond ( possibly ) my mortgage and/or car loan accounts ; neither of which are tied to Vital Recovery Services.
Consumer complaint received 2018-09-11
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. (MO)

I have tried filing a dispute regarding info on my credit report just last month. I show that in my report I asked all three credit reporting agencies. I have a XXXX XXXX   account not reporting correctly at all- trans union shows past due late payments when it reflects a balance of XXXX. I can not make any payments in an account without a balance. This account needs to be updated removed because there obviously isnt a debt I owe to this company. I feel all three agencies needs to report the same info and/or be corrected. I have an account XXXX XXXX XXXX that was recently removed from transunion report however my equivalent is incorrectly reporting the account as if it is mine. Please correct my credit report this is affecting me trying to acquire a home for me and my child due to incorrect info on my credit report.
Consumer complaint received 2020-08-02
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: EQUIFAX, INC. (FL)

My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2020 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

In my review of my credit report on XX/XX/2018 Hunter Warfield is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Hunter Warfield is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
Consumer complaint received 2018-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (VA)

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 Step 1 : What is this complaint about? 
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 PayPal money transfer to my XXXX XXXX Account, in the amount of {$200.00}. 
Was promised to be completed in one business day, it has been 3 weeks and PayPal will not tell me where my {$200.00} is. 
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 Step 2 : What type of problem are you having? 
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 After contacting PayPal, no more response from the company in terms of where my {$200.00} has disappeared to. 
It's not in my bank and it's not in the PayPal account. 
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  Step 3 : What happened? 
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 After contacting the bank, multiple times as requested by PayPal, the bank ensured no {$200.00} transaction from PayPal has come through or been attempted. 
This has caused a returned items fee in the amount of {$29.00} that occurred more than a week after the expected funds available. 

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 Step 4 : What company is this complaint about? 
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 Paypal 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  Step 5 : Who are the people involved? 
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 PayPal, and I XXXX XXXX XXXX
Consumer complaint received 2018-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

I have two debates on my credit from United Revenue services for medical bills. I never recieved any emails, calls or mail in regards to either of these debates. I've tried disputing this fact but they came back saying debate is mine, which I AM NOT DISPUTING. I am disputing the fact that these are on my credit as collections account when I was never made aware of these bills never made aware they were going to collections. I cant pay monthly on something I am not aware of!!
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company continues to harass me even after I sent a certified letter requesting that they first validate the debt and second cease all communications with me. This company buys debt that has been charged off by creditors and then threatens lawsuits, sends people to your house stating they are there to serve you court papers and actually files lawsuits. I sent them a certified letter on XX/XX/18. They signed for it on XX/XX/18. In XX/XX/2018 they filed something with the court. I'm not sure what it is. They sent someone to my house on XX/XX/18 to serve me papers. I was not home. They are harassing me over alleged credit card debt owed to someone else, not them.
Consumer complaint received 2020-08-20
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: ACIMA CREDIT, LLC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AL)

I made purchases from XXXX on line store in XX/XX/2017 by my XXXX XXXX debit card and returned the products in XX/XX/2017. But I cancelled my XXXX XXXX debit card in XX/XX/2017. But XXXX 's Bank 5th 3rd Bank still sent the refund back to XXXX XXXX my debit card account after I called them I cancelled my debit card and would like them to send me a refund check. After almost a year 's efforts to locate my refund, XXXX XXXX claimed it has received my refund on XX/XX/2017 from XXXX but also returned back to XXXX XXXX Bank 5th 3rd on XX/XX/2017. However, I haven't received any call or email about my refund from 5th 3rd Bank so far. I tried to talk to its customer service by email and calls. Either they told me money is in XXXX XXXX or just ignore my requests.
Consumer complaint received 2018-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

I contacted Sallie Mae concerning filing for Student Loan Forgiveness Program. They put me on a Forbearance and told me what information to fax to them. ( XXXX ) Was told it may take some time. When I didn't receive information about Loan Forgiveness I kept calling and checking. Next thing I know I had been placed with Navient. They finally said I hadn't faxed the paperwork ( 6 mth. later ). Sent it in again many forbearance 's by this time. Kept being told it was in process. Then I started getting lack of payment bills. I did not receive anything in the mail talking about the forgiveness paperwork I filed. Offered me another forbearance. The next thing I receive is them demanding full payment ( XXXX ). They kept churning my student loan until I am back where I started ten years ago. Now I am in a rehabilitation program it will be 9 months in XXXX in good standing but they started in XXXX dinging by credit report when I was told that would not happen. Calling it a charge off and saying I'm delinquent. When I am complying with their program.
Consumer complaint received 2018-09-12
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. (SC)

I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( XXXX, Transunion, XXXX ) since XXXX of this year 2018. On XX/XX/2018 I froze my lexis nexus yet the bureaus say they verified through XXXX XXXX and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. XXXX  has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX   XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO XXXX , TRANSUNION , XXXX  3. RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS  SUPPOSEDLY CONFIRMED