davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

I am writing to formally file a complaint against PayPal concerning the unjust restriction of my account and the subsequent freezing of funds.On XX/XX/23, I received an email notification from PayPal stating that my account had been restricted due to alleged violations of their policies. According to their communication, these accusations include Violating terms of agreement. I would like to emphasize that I strongly believe these accusations are false and without merit. 

As a responsible PayPal user for 1 year, I have consistently adhered to their terms and policies, and I have never encountered any previous issues or violations. The sudden and unjust restriction of my account has left me perplexed and distressed. 

Furthermore, the restriction of my account has led to the freezing of {$600.00} dollars, a significant portion of which is vital for my financial well-being. I am currently facing unemployment, and the availability of these funds is crucial for navigating through this challenging period.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hope this message finds you well. I am writing to file a formal complaint Against XXXX XXXX XXXXXXXX for their refusal to initiate a requested stop payment on funds intended for my student refund. This situation is causing considerable distress, as the funds have been transferred to an account for which I lack the necessary information. 

I have diligently attempted to rectify this issue by seeking assistance from XXXX  XXXX XXXX but, they insist that I contact my bank directly. Unfortunately, my bank can not release the required information without the proper documentation, which I currently do not possess. 

By denying me access to my student refund, XXXX  XXXX XXXX Is potentially violating consumer protection laws. I believe their actions are in direct contradiction to regulations put in place to safeguard consumers like myself from financial harm. 

I kindly request your intervention in this matter to ensure that XXXX XXXX XXXX complies with relevant laws and initiates the necessary measures to rectify the situation promptly. Your assistance is crucial in resolving this issue and preventing further financial detriment. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am filing a complaint against HSBC Bank USA for gross mishandling of my finances, a lack of transparency, and a failure to locate my funds. I had over XXXX XXXX XXXX dollars saved in different HSBC accounts. 

Issues began when a new person assigned to me as financial advisor/FA, noted that I had several open accounts and, in an effort to simplify my money, the Financial Advisor stated that she would merge my funds into one account. I agreed because the FA promised that this would make managing my funds easier. Following this, I noticed that the funds in the account did not reflect the total amount of money she had prior to the merging of accounts, by a dramatic margin. As such, I requested clarification from the FA in order to locate the funds. The FA has refused to clarify where my funds are. At times, the FA has refused to speak with me altogether. 

Separately, when I expressed my disagreement with investing my money, the FA pressured me into doing so, claiming that it would help grow my money. To date, I do not know where those funds are. 

I have tried to seek assistance from other HSBC staff but unable to get far as the financial advisor interferes with my attempts to receive clarity.

HSBC claims that I do not have an open account with them and can not locate any of my previous accounts. However, I have documentation/bank statements proving her several accounts with HSBC and the balance amounts. 

I am requesting an investigation into HSBCs handling of her funds and assistance recovering my lost funds which total over $ XXXX.
Consumer complaint received 2023-02-17
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: SYNCHRONY FINANCIAL (CA)

I disputed this information with the credit bureaus and they have yet to remove these unauthorized accounts from my report. Ive never authorized any of these accounts with these companies. I dont have a relationship with these companies. Please remove these accounts from my credit report, they arent mines.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (GA)

This complaint is with American Express. Consumer says that someone sold his phone and made some fraudulent charges on his account. Consumer states that this person made 2 payments on his account. Consumer can only see payments it doesn't give much information. Consumers account was canceled due to these fraudulent charges Consumer has no knowledge of these charges and has not given permission to anyone to make payments or to charge his account. Consumer wants to know why was this many payments charged to his account without being notified.
Consumer complaint received 2023-04-21
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 have tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them XXXX dime i didn't open this account i asked for contract with my signature and they still have never responded
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MO)

When I contact JEFFERSON CAPITAL SYSTEM they claim they can't find my account even though they keep validating their collection of debt through the credit bureaus. It is for a XXXX account that I closed years ago and was paid in full. The dates for the account and everything is wrong. I even had this same debt on my report from a different agency and successfully had it removed as valid but somehow Jefferson is able to continue reporting innaccurately.
Consumer complaint received 2022-10-05
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. (TX)

I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.
Consumer complaint received 2018-05-18
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. (OH)

In XX/XX/XXXX I applied and received a XXXX Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted XXXX to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called XXXX back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because XXXX has been reporting me late every month. How can this be when they take the money automatically each month. I called XXXX that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called XXXX again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (PA)

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Consumer complaint received 2018-05-18
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: BARCLAYS BANK DELAWARE (CA)

I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for XXXX the date of the inquiry states XX/XX/XXXX and the institution 's information is XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX  XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX  XXXX and the phone number is ( XXXX ) XXXX.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I have had my checking account locked and it can not be unlocked unless I call in with a verified phone number. I have only the one phone number but they still can not verify me and now all my funds are locked and I can not feed myself. 

On XX/XX/XXXX I deposited a cashiers check from progressive because the teller would not cash the check. I then had my account frozen and was not able to unlock it unless I called in with a verified phone number. I have no other number and this is my number associated with XXXX  and XXXX. Additionally I called my phone company and they said my name is on the account. Therefore there should be no issue cashing out my available balance. When I attempted to cash out a part of my available balance they had to call the Citi bank fraud team who once again locked my account because I dont have a verified number. I was unable to unlock it even when I brought in a passport and my social security card and asked to please close the account. They declined and said theres nothing that I can do until I get a verified number. I have no idea how to get a verified number and why the system Citi uses blocks me from accessing my own money. I have called over 7 times a day and have no resolution or response
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I have a Mastercard credit card account opened at the XXXX and activated on XX/XX/XXXX ( see first card statement attached ). However Experian only report my XXXX card account since XXXX ( see latest credit report ). I am therefore missing three years of duration in the account history. I have maintained since XXXX my XXXX Mastercard payments in good standing with XXXX past due. As the older the better for an account in its score computation I deserver a fair treatment and all the months be taken into consideration, appearing in full in my report since XX/XX/XXXX.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am trying to obtain a mortgage for a house, and for some reason there is a glitch when it comes to TransUnion and the XXXX scoring system. Even though Trans Union sometimes has less things than other bureaus my XXXX score for mortgage loan is hundreds of points lower and on a tri merged mortgage report its not showing any of my current accounts that are in good standing which I think is affecting it. Im not sure if this is a glitch on Trans Union side or with XXXX but it is hurting me and causing harm to my credit file and I have been working hard to fix my credit so I can live the dream and buy my family a home. I need your help to make this happen. Its only transunion that seems to be the issue. Thanks
Consumer complaint received 2023-04-20
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. (GA)

Re : XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-21
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. (FL)

I have disputed these XXXX XXXX XXXX accounts on multiple occasions and they keep coming back as update and or verified ignoring what is actually being disputed, Ive requested these reporting agencies to show proof of how they were verified on multiple occasions and I have never received anything just ignored, which is grounds for suit! I have been disputing multiple violations and I want these immediately deleted off of my credit report! 

1 ) reporting CO every month and re- aging these accounts are unlawful and are a Violation!

2 ) 1099Cs, which is income do not report to the consumer report, those accounts are 1099Cs and according to the IRS CO are considered ordinary income which means all of these accounts are inaccurately furnishing on my credit report, the company has already filed this in their taxes so why is this on my credit report? this is unlawful and in serious violations, according to 15 USC 1681eb it speaks on MAXIMUM ACCURACY in the consumer report, immediately delete
Consumer complaint received 2023-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

I had contacted the debt collection company to find out why there was a collection against me as the product was paid for at the time of service. They were less than helpful and said that they would not accept proof of payment in the form of bank statements but would be happy to discuss a repayment plan. How else other than a bank statement am I supposed to prove that I paid for something?

They then told me to contact the original company and send them the bank statements, and when I did it took them 2 weeks to get back to me. When I finally spoke to someone they had no idea what the debt collection agency was talking about and they couldn't accept the statements. I've been sent in circles with no resolution for something that I've already paid and is ruining my credit.
Consumer complaint received 2022-11-17
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. (AR)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and correct it in my file : XXXX XXXX Balance : {$0.00} ; XXXX AUTO XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX : {$3500.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-10-16
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. (TN)

I have contacted Equifax and XXXX both parties involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that this fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

Original loan through XXXX. In XX/XX/XXXX I called them to get payoff amount. On XX/XX/XXXX I called back to confirm payment and that my loan was paid in full. The confirmed that it was. On XX/XX/XXXX, they reversed a XXXX dollar payment to my account. This XXXX dollars was for a different student and they had applied it erroneously to my account. They confirm that they never called me, and it was n't until XX/XX/XXXX when I started getting email from Navient ( which I did not recognize as I never had a loan through them ), saying that I had payments on a student loan due. I have tried for a year, personally and through attorneys, to get in touch with someone who can help in Navient and have not been able to do so. They keep calling as debt collectors, refuse to let me speak with anyone who can help, and tell me that Navient is correct, and I owe money ( which I believe was their error and I do n't ). They are currently charging me the XXXX plus the interest for 10 years, which is inconsistent and unfair since the reason I paid off my loans years ago was to avoid interest. I am told no one can help me, there is no resolution center. They continue to harass me every day, including nights and weekends, and I have no ability to speak with anyone who can help.
Consumer complaint received 2017-04-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

When borrowing from Navient we were informed that there would be various repayment options, that they would work with us to make sure we can afford payment after graduation. Now that I have graduated and am looking for help with repayment ( specifically lowering my monthly payment ) there is " nothing they can do. '' Each representative we have spoken with is rude and takes no interest in helping their consumer. My cosigner and I were told separate things by separate representatives -- one taking information to help accomplish an income driven payment system and the other informing us there was no option for income-based repayment. When asking to talk with a supervisor, I was denied such privilege and was told there was nothing they could do for me. I have never been treated so poorly and lied to so blatantly by a company. They promised to help with repayment after graduation and when that day comes show absolutely no interest in helping their consumers. They would rather consumers default on their payments than make any sort of payment.