davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

Venmo suspended my account XX/XX/2023. The account had {$370.00} inside the balance because the account locked after receiving money. 

I contacted them same day via their email to contact they provided after suspension. After this, they took until XX/XX/XXXX to reply back. ( They only reply at midnight so you can not properly resolve your issue. ) Their reply asked for my Identification card which I provided instantly. It took them until XX/XX/XXXX to reply back stating they are now finally escalating this to the " speciality team. '' Who was I sending my information if not the people who would reinstate my account? Useless runaround to keep my funds. 


It has been a total of XXXX days trying to get my funds back from this company, an absolute nightmare. I have kids to feed, absolutely insane of them to keep my funds for this long.
Consumer complaint received 2021-02-16
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. (UT)

The three major credit bureaus : Transunion, XXXX, & XXXX are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (MO)

This is regarding the account : SOUTHWEST RECOVERY SERVICE XXXX XXXX XXXX XXXX, TX XXXX AMOUNT ( XXXX ) : {$910.00} ORIGINAL CREDITOR : XXXX XXXX DATE OPEN : UNKNOWN This is the third attempt requesting verification and documentation of the alleged debt. This account in violation 15 US CODE 1692g. Ive requested that you provide to me verification of this alleged debt. VERIFICATION CONSISTS OF A FORMAL DECLARATION. WHERE YOU SWEAR TO TELL THE TRUTHS OF THE STATEMENTS OF THE FACT OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond-ing local state laws. Please note that I am requesting validation, that is competent evidence bearing my signature, regarding original documents, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Stark Collection Agency, Inc. (GA)

The gist is that my credit report under XXXX XXXX got hit for XXXX points by The Stark Collection Age. Found out via XXXX XXXX email on XX/XX/XXXX. I didn't receive mail from the collection agency, a phone call, or anything. Just hit my credit immediately. 

This collections issue happened due to a poor customer service interaction with XXXX XXXX. I've called them from XX/XX/XXXX - XX/XX/XXXX trying to return their modem to them. I've had various issues each time to where it felt like they just wanted me to pay the {$140.00} for their modem. You can't return it unless they send you the return packaging first apparently. XX/XX/XXXX I called to see if I had to return anything since I was moving and no longer needing their service. I was told I didn't. XXXX after seeing I've been billed for the modem, I called again. Was told it was because I didn't send it back ... and that they would send me return packaging. XX/XX/XXXX Was told the process was started but never actually finished. Said their system shows me having the old router and I don't have to return it. Verified with them I do have the new router... they Manager will make sure packaging gets sent.XXXX I call again and am told they sent the packaging to my old address. Told them to send it to my current address. XX/XX/XXXX I call for the final time telling them how many times I called and concern with being sent to collections. Assured that wouldn't happen because this wasn't my fault ( Knew I was in trouble then ). I am told again they show I have the old router. Go through verifying with them I don't, and ask them to send to my address. I don't get anything, I stop calling, XXXX to XX/XX/XXXX and now a collection agency has dinged my credit out of the blue. 

I have the exact times I've called on my phone and everything documented. I don't know... if it will do any good but at this point I don't believe I've been treated fairly nor do I believe my credit should be dinged.
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On or bout XX/XX/23 I sent Transunion, XXXX, and XXXX a dispute of certain information on my credit report. 
On XX/XX/23 XXXX sent me an email telling that they will not investigate because it appears someone else sent the dispute on my behalf. 
On XX/XX/23 Transunion sent me a letter telling me they will not investigate the dispute because it looks like someone else submitted the dispute on my behalf. 
Till Date XXXX has not responded. 
On XX/XX/23 I sent a response to Transunion advising them that I did in fact send the dispute and they were obligated to respond which they received on XX/XX/23 ; See Tracking # XXXX On XX/XX/23 I sent a response to XXXX advising that I did send the dispute which they received on XX/XX/23 ; See Tracking # XXXX Till date XXXX has not responded.
Consumer complaint received 2023-04-25
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Consumer complaint received 2024-02-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (GA)

I am unaware of the debt with Hunter Warfield Collection Agency they have not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report for account # XXXX. If in fact you feel I have received proper notification, please provide a copy of the certified mail receipt with my signature. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) this collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. Hunter Warfield Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am disputing owing any and all debts. I am also revoking all rights of communicating with me through email text or calls. I am requesting debt validation, a purchase agreement between myself and the original creditor, and to furnish proof that you are licensed and bonded. 

XXXX XXXX Without Recourse XX/XX/year> XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting 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. (NJ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, have 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 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 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 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I disputed the company XXXX XXXX XXXX several times and this debt collection was removed from XXXX but it has not been removed from XXXX or XXXX which is in violation of the FCRA sec623 ( a ) 15 us code 1681-2. All credit bureaus must have the same information
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 

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
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (WA)

Today XX/XX/XXXX at XXXXXXXX XXXX XXXX I received an email from Nelnet stating that my account had been placed on an administrative hold, and that interest would continue to accrue on this account until the hold is resolved or cancelled. I had requested to be placed on the SAVE plan on XX/XX/2023 and have since received regular emails that my application was " in process ''. The same day ( XX/XX/2023 ) I placed a call to Nelnet 's customer service line looking for additional information and was told the same, that any interest accrued would be added to my balance, and there would be no recourse for me to be reimbursed for the interest being charged to my account. 

The failure of Nelnet to process my application in a timely manner is adding interest that I otherwise would not be financially responsible for given the timely processing of my Income Driven Repayment Plan and is thus financially injurious. The bottom line is that I am being asked to be financially responsible for the malfeasance of Nelnet in their contracted duty to service loans for the Federal Government.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-14
Product: Credit reporting 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. (NJ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, have 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 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 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 2024-02-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accounts Management, Inc (SD)

They provided me with itemized account services that was it. After months of phone calls and then told me they would have police come arrest me at work I agreed to contract under duress because didnt want to lose job. Well now I know that was illegal which should void that contract. Also just recently I learned that they are it allowed to reage the account and they did that they are collecting from things all the way back from 2011  which also illegal only XXXX years statute of limitations. They changed all the dates to be with in the statute of limitations so they could collect. I was in aware of this being illegal and I was nervous about losing job that just started at the time. Also they told me that all the debts were mine even before getting chance to have it validated and when I told them that kit all debt was mine they told me I already made an agreement that it dont matter if it my wifes or step kids and still now that Im divorced Im still paying for them and she makes more than me. That is illegal as well because I told them the entire debt wasnt mine but they refused to listen and told me too bad.
Consumer complaint received 2024-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I wanted to send a XXXX payment to a contractor. When I tried to do this, I got an error code saying my XXXX account was locked due to " code error. '' I called Capital One because my XXXX had this error. Capital one told me to call XXXX and gave me XXXX 's phone number. 

I then called XXXX who said Capital One was incorrect - I should speak with Capital One who can help me. 

I then again called Capital One. The agent on the phone asked me XXXX different verification questions and gave me random/irrelevant details ( my credit card was unlocked even though XXXX is bank to bank ). Worst of all, the agent was very rude on the phone, told me I had to wait 24 hours without any additional detail on why my account was showing a problem, and then hung up on me. 

This was annoying/frustrating and I had to ask a friend to XXXX on my behalf.
Consumer complaint received 2018-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Associates, has repeatedly updated information that I disputed in writing as inaccurate they have never validated or verified repeatedly since XX/XX/XXXX up to the present of XX/XX/XXXX. They have attacked my credit reports month after month which has caused my scores to drop as much as 50 points on XXXX and XXXX. I have sent various notices requesting them to properly verify their information but they refused and misrepresent the account and state on my file that we have resolved the dispute, which he definitely have not!
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

On XX/XX/2023, I made a purchase of a White Gold Solid Figaro Chain Necklace from XXXX XXXX online website in the amount of {$2600.00} along with a separate order. The order number for this chain was # XXXX. What I received did not match what I ordered for # XXXX, was of extremely low quality and weight. I was forced to return it. 
I i was instructed by customer service on how to return my orders which i followed. On XX/XX/2023, I received a message confirming my returns had been received and that one was refunded but order # XXXX had not been processed. A long-drawn-out process began where reeds refused to refund this order and Discover claims that it is out of their hands, that they are completely powerless to assist me and that I have to continue to work with the merchant who has no intention to refund.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2020 the balance of the debt was paid in full. As of XX/XX/2020 I called the institution with an attempt to update my credit report and have the collections removed from my credit profile, but the very polite customer service agent made me aware that this type of issue is beyond her scope of business. As a result, I am now asking that the account be removed from my credit profile
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (OK)

Hello. 

I have been trying to get in contact with NelNet loans since payments restarted. On and off on my days off, I have tried calling to speaking about a payment lower than what is offered online. I can not afford XXXX a month, but am able to pay XXXX. I do not want to go into forbearance or anything else as thats not benefiting me. 

I have also emailed and tried chatting into the company with no successfully response back. 

I would be happy to get call logs printed with times and dates called. I just am doing this on a whim and dont have that on me right now. 

If I am actually taken serious and can get help, I would love to make something work. This is not hurting my credit and everything else. Ive had YEARS of on time payments and thats what for my house. Now to think that could be ruined for another large purchase because of this company. 

Please help
Consumer complaint received 2023-12-20
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: Bread Financial Holdings, Inc. (GA)

I have been a victim of identity theft in the pass which resulted in fraudulent accounts attached to my credit file have disputed with XXXX several times but the company states the the compromised info matches I explained several times that identity theft case the information would match because its been compromised that was the reason to notify them and provide supporting documentation of this crime but my rights continue to be violated by XXXX and the creditor
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On Tuesday, XXXX XXXX XXXX. I received a text from Chase Bank identifying a transaction from XXXX which I did not authorize. The text indicated if I needed to close my card. I said yes. They reissued me a new card and that new card was used for XXXX as well. On Wednesday, XX/XX/, I called Chase as I saw XXXX transactions for XXXX. Chase credited me the money back and reissued me a new card. Today XXXX XXXX XXXX  I saw another transaction for XXXX. I call Chase to get more information. The new card they issued me was used again. I requested to block these funds do not allow any future transactions from XXXX to my account. They indicated there are unable to do that. I requested assistance from them. If there are unable to block these transactions, is there anything on my end to do, they said they are unsure. Chase Bank has access to my income and is unable to secure my money. They did not prevent the fraud transaction. They allowed it to happen total of XXXX times.