davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc (GA)

Hello, I called my bank, to inform them my paypal account was hacked, they reassigned my account. And caused my stimulus check and other deposits to be returned. They also did a reversal for funds that I did not tell them we're the issue, they did not resolve the issue. XXXX XXXX XXXX XXXX XXXX XXXX they caused paypal to go after, every person on my list because my account was hacked and instead of paypal correcting the matter they sent a card, they linked my bank account and people on my paypal accounts and went into all of our accounts unauthorized ... They have several of my despite issues ... I have several attachments that include the date and my concerns .. and everyone that has been effected. I am being punished financially for being a victim of financial theft ... Also my bank holds my deposits for a long time before releasing them causing me to overdraft on multiple accounts .. I also told paypal my account was hacked ... and all they did was send me another card.. now they are charging people on my paypal financial account ... And my XXXX XXXX XXXX XXXX., nor paypal are helping me or others financially we are victims of financial fraud, why are we being charged? Why are we being punished financially ...
Consumer complaint received 2017-11-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (OK)

Without my consent Navient has been charging me ridiculous amounts of money and auto-drafting it out of my account. I have told them numerous times NOT TO AUTO-DRAFT, but somehow my loans are still in auto-draft mode. The interest for my loans is {$420.00} if I do n't make any payment on the principle. However WITHOUT MY CONSENT Navient has been charging me anywhere from {$640.00} to {$890.00} a month without telling me which payment I will have to make. When I tried to contact them about this I was literally forwarded, maybe a 3 way call and the rep hung up on me, to XXXX XXXX XXXX XXXX. 

Every time they say they are going to stop this behavior the do not.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

on XX/XX/2021 I used paypal to send {$120.00} to XXXX for the service of providing XXXX vendor spaces at an arts and crafts show. When I detected suspicious answers from her about the event I asked for her credentials and she immediately put a block up against me so that I could no longer contact her via XXXX in a group page called " XXXX XXXX XXXX ''. I researched the event and found that it was made up and not really an event at all. I had just paid her for XXXX spaces and she was pushing me to pay for a XXXX event as well. I immediately contacted paypal who told me they flagged her account as fraud and there would be a XXXX to 10 day investigation. But there never was. The next morning paypal said they did not find in my favor of the dispute based on the reason I gave. ( They only had XXXX boxes to check on and none of them were fraud. ) So I called and spoke to them again and they again said they would do an investigation but to not worry I would be refunded in XXXX to 10 days, but again, the next day they closed the case and said my reason does not meet the reasons they have listed. I explained it was fraud and they do not have a checkbox for fraud. Again they said it would be investigated and not to worry as they would hold her money till the XXXX and then it would be deposited back into my paypal account. Today is the XXXX and I have not received my money, furthermore they have blocked full access to my account saying I have suspicious activity. They are also being frauded by this person who stole from me. I do not know what reasons she is giving them but they are taking her word over mine. I also supplied them with the phony ad she had on facebook that she was using to steel, not only mine but my co workers and others throughout the state of florida. I am afraid to give paypal the personal information they are asking me for in fear that she will somehow get it or that this paypal agent is in on this scam with her. XXXX There are roosters cackling in the background on these calls to paypal! ) please help me. 

I have provided proof of all interactions with payments in the attached files. It is clear the individual posing as XXXX XXXX gave the paypal for an individual named XXXX XXXX, and that paypal ignored the facts is insulting and hurting to people in an already struggling economy,
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (CA)

I should not have to be doing this complaint if the credit bureau were doing their job. Back in XXXX XXXX XXXX I filed dispute with XXXX XXXX XXXX Equifax. There are things on my reports that are not correct and I want them corrected. This should not take this long to do that. Attached is the first disputes I submitted
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (FL)

BB & T is reporting an erroneous account on my credit reports with XXXX, XXXX, and XXXX. I have attempted to dispute the account with the credit bureaus along with BB & T directly but they have ignored my request. This is a violation of the Fair Credit Reporting Act and I demand the account be removed because of this. I have attached the latest letter sent to BB & T along with the Certified mail slip confirming that BB & T received my letter. 

Certified mail slip to BB & T XXXX
Consumer complaint received 2021-01-21
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. (MI)

Checking my credit and I notice this account thats not my mines reporting on my stuff man and from what Im hearing As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately.. 

Deptednelnet XXXX Deptednelnet XXXX
Consumer complaint received 2021-01-21
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 (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2019, DISCOVER FINANCIAL SERVI Inquired on XX/XX/2019, XXXX XXXX Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2018-04-23
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: EQUIFAX, INC. (FL)

This communication is in response to Complaint ID : XXXX with XXXX XXXX. I have received correspondence that XXXX XXXX and they didn't receive any verbal nor written agreement from the original creditor in order to validate the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report. 

This is a clear violation of my rights under the Consumer File Rights, Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act. If they aren't able to validate the debt, then they need to remove the item from my credit. 

As a matter of fact, I see another company on my XXXX credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution. 

This item doesn't have enough support to validate being mine, let along negatively impacting my credit report.
Consumer complaint received 2021-01-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-05-09
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)

There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX/XXXX XXXX XXXX XXXXXXXX  - Open date XX/XX/XXXX XXXX XXXX - Open date XX/XX/XXXX The following accounts is not mine : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-01-21
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. (UT)

I have sent several disputes to each one of the credit bureaus : XXXX, XXXX, and Experian. They have yet to respond or provide me with any results!! I have been sending letters since XXXX of 2020 and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

On Tuesday, XX/XX/2021 our account was frozen we could no longer access any of our money in both XXXX XXXX and personal checking account. We have contacted SunTrust multiple times for answers they have not given us any. We have been told that there is no timeframe on when we will receive our money. We have not been given a reason why our account is frozen and in the process of being closed. And theres no way to access our money. We owe no debts to anyone so it is not a debt problem. We have had no fraudulent activity on our account. We run a XXXX XXXX and have no access to any money because it is all held within SunTrust. We were given no notice that our account was going to be frozen and then after will be put in the process of closing. On Monday, XX/XX/2021 our account was working and we were using it as normal. No notice was given but then the next day on Tuesday, XX/XX/2021 everything was unusable including debit cards and any access to account online. once again this was without any notice.
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX of 2011 I filed chapter XXXX, i had a secure credit card with Capital One for {$500.00}. I had a XXXX  balance when i filed for protection under the XXXX. Capital One Closed my account and when i called them to verify the closure of the account they said that they would refund my Deposit of {$500.00} after my XXXX concluded. 
My XXXX has concluded and when i contacted Capital One i was informed that the only way for them to refund my money was to have the Trustee or my Attorney write a letter and request the refund. 
When i asked why i was never given an acceptable response other than " company policy. '' Now i will need to pay my attorney to write a letter and the cost will probably be half of the deposit refund. 
although i can provide Capital One with the court docket showing the Filed and Entered statement as Chapter XXXX is closed they would rather make it more difficult to get my money back. They charge 29 % interest on the money i would use but i wrote them a letter asking for the same interest that i would have paid them included in my refund. 
I am writing because i am tired of these companies taking advantage of consumers and by having the CFPB investigate and publish this accounting there just might be one consumer that will close the account and request the refund, or have it paid to the trustee as an asset. The card was listed on my creditor list disclosure however the balance was XXXX so there was no liability. 
The reason for the Chapter XXXX was to stop the foreclosure process on my home, i had requested a workout from the lender, XXXX XXXX XXXX, but they refused.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-01-21
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: CORELOGIC INC (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

OnXX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-21
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. (CA)

XXXX XXXX XXXX XXXX : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX  XXXX Balance : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Consumer complaint received 2021-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (OH)

I make my student loan payment each month. This month I paid a little early. After I paid, XXXX deducted the payment again from my checking account. Since I already made my payment, I did not have enough money in my account to cover a second payment. As a result, my credit union charged me {$34.00} for a NSF fee. Now XXXX is saying Im late on my payment. 

I have contacted XXXX a couple times to get help with resolving the issue. The last time I called they told me I need to wait XXXX - XXXX business days while they investigate. They have all the information in my records and even acknowledged they can see I already made the payment but they are not helping me. 

Today, XX/XX/21, I received an email saying they were sending an ACH debit to my credit union again! When they do, I will get another late fee. I can not afford a second payment and these late fees.
Consumer complaint received 2021-01-21
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. (TX)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Please investigate and remove them all. I claim Identity theft!
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent Transunion a letter regarding unauthorized credit inquiries on my credit report via XXXX. On XXXX, XXXX XXXX, XXXX XXXX XXXX signed and received my letter regarding the inquiries. As of XXXX, XXXX XXXX, XXXX I have not received any correspondence related to my disputed and their investigation results. According the FCRA, they are required to disclose the results of their investigation within 30 days and if the item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, they are required to modify that item of information, delete that item of information or permanently block the reporting of that item of information.
Consumer complaint received 2021-01-21
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. (TX)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Please investigate and remove them all. I claim Identity theft!
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX( XXXX ) 4. XXXX XXXX DatedXX/XX/XXXX ( XXXX and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( TransUnion ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX  DatedXX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX( XXXX ) 10. XXXX Dated XX/XX/XXXX ( TransUnion ) 11. XXXX Dated XX/XX/XXXX ( TransUnion ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions bank XXXX XXXX : company reported 30 day late payment & debt & colection on my credit report dropping my score 38 points. 
The car was total in a no fault accident XX/XX/XXXX, my insurance XXXX paid the on the claim XX/XX/XXXX, which left a balance XXXX after a gap payment ( XX/XX/XXXX ). My payments were XXXX {$390.00}, no regular payment in XXXX, XXXX {$340.00} & XX/XX/XXXX - {$1700.00} ( settlement offer accepted account closed ). Regular payments due date XXXX of each month. The account was never 30 days past due. I submitted a request with Region bank & XXXX but this negative reporting is still on my credit report. Also the negative report was made after the settlement and payment was completed with Regions Bank which is a knowingly dishonest reporting to the credit bureau.