davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/XXXX, I submitted a payment in the amount of {$540.00} to payoff my full balance. On XX/XX/XXXX, I logged into the portal and did not see that a payment had been processed, so I submitted another payment in the amount of {$540.00}. 

On XX/XX/XXXX, I called in and asked if there was a way for this to be applied back to my bank account. The customer service representative advised that it would take 7-15 business days. This was not fast enough considering my status of my bank account so I was able to have my bank put a stop payment on the second payment made. Since the second payment was charged back to my account by the bank, on XX/XX/XXXX, I called Amazon to see if we could put a STOP on the refund check that was issued out to me. The representative misunderstood my request and issued ANOTHER refund in error. 

On XX/XX/XXXX, I logged into my account to see that my balance was now over {$1000.00} ( way past my credit limit ) in AMAZONS ERROR. I requested to speak to a manager who informed me that the representative sent out another refund check instead of applying a Stop. The manager advised a ticket was opened to their payment processing team to put a stop on BOTH refund checks. 

On XX/XX/XXXX, I called back as I saw that one refund check had been applied back to my account but not the other. I was advised that I would only need to wait 24-48 hours for the other refund check to be credited back. 

On XX/XX/XXXX, I called in and requested to speak to a manager. The manager advised that I would have to wait 7-15 business days for this request to be processed again even though it was Amazon/ Synchrony Banks error and they apologized for my inconvenience. I again, asked for them to escalate this because this should have been worked with the original request of XX/XX/16 but advised they could not. 

On top of this refund check still not being credited back to my account, they also decreased my credit limit due to my account balance being too high compared to my limit because they sent the second refund check in error. This has negatively impacted my credit due to this limit increase.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, Transunion, and XXXX. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX XXXX XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within XXXX hours. I will file a SEC complaint. I will be forced to get an audit report done on my auto loan if this account is not removed and under law this is a charge off account and charge offs is considered income and income can not be listed on any credit reporting agencies.
Consumer complaint received 2021-03-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-03-23
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: Nelnet, Inc. (SC)

On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 dXXXX On XX/XX/XXXX I received another phone call from this company.
Consumer complaint received 2017-05-13
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. (MO)

I was informed by the Credit Bureaus Transunion and  XXXX  that I would need to obtain a police report before they would remove my unauthorized inquiries and I sent over the report which is report #  XXXX  and they have not removed any inquiries off my report as of yet
Consumer complaint received 2021-03-23
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: United Collection Bureau, Inc. (OH)

I have sent UNITED COLLECTION BUREAU MULTIPLE LETTERS AND GAVE THEM MULTIPLE CHANCES TO VALIDATE THESE ACCOUNTS AND THEY HAVE NOT DONE SO! THE LAST ONE BEING ON XXXX XXXX, 2021. ( CERTIFIED ) This company has violated several of my consumer rights! Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signatureAs you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2017-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Inaccurate, and incomplete enrollment status ... ..wrongly determined repayment and interests of loans. Was enrolled and continued as student from time period of   XXXX   Spring. The loan amounts began prematurely to acrew interest and late fees ... they demanded payment. Called in many times. They demanded loan payment during  XXXX . Have multiple loans that this has occurred on and it has compounded my inability to repay and destroyed my credit history and life. Why?
Consumer complaint received 2021-03-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XX/XX/XXXX and XXXX, XX/XX/XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 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 Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One changed all their customers Routing Numbers for checking and savings accounts the weekend of XXXX XXXX. I was unable to transfer monies from my Savings account to my Revocable Trust Checking account starting XX/XX/XXXX. I'm unable to use my debit card on the ATM machine outside the local branch. I had to withdraw all my money from my savings account and deposit it in my Trust Checking account. My Trust Checking is used to pay bills and automatic withdraws. I've had several phone conversations with Capital One customer service to no avail. They issued a new debit card but until they link the card to my account I can't activate it. I'm forced to go inside the local branch to get cash from a teller. I sure that this problem exist with all the customers that have a Revocable Checking Account.
Consumer complaint received 2015-03-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum (TN)

I was called by a blocked number today. The guy told me he was going to come to my work tomorrow to " serve '' me. He said he just wanted to give me the heads up. Obviously, this shocked me. I asked him what charges and from whom. He said he could not tell me that, but he could give me the party 's number ( XXXX ) and my case number. I immediately called the number he gave me. It was Dispute Resolution Services. My " case manager '' ( XXXX XXXX ) says I owe them {$2900.00} from a check into cash loan I got on XXXX/XXXX/XX/XX/XXXX. XXXX said that if I did not resolve this today, I would be served by the guy that originally called me, who would be accompanied by a uniformed officer and that my boss would also have to sign the papers. I asked why they were coming to my work. He told me that they would try my house XXXX, but if they failed to find me there, they would go to my work. I asked when they were planning on doing this. He said between XXXX and XXXX tomorrow. He told me I could face up to 1 year in jail and have to pay an additional {$1000.00} penalty because they are charging me with check fraud under section XXXX of some law. I asked him if I could get a copy of the application from the original debtor and he said no, stating that the application was to be used against me in court. I told him I was going to need to call him back, because I was at work and a bit in shock from what he was saying. He said he would be able to give me until XXXX to call him back, or he would move forward with these charges and he gave me his extension ( XXXX ). After getting off the phone with him, I called XXXX XXXX XXXX to verify this debt. They said they sold my debt to XXXX, but XXXX is known for allowing other debtors collect on their behalf. She said many times, these are scams and get people to pay way more than what they actually owe. I was on the phone with her for a long time while she tried to find this company and/or anything about XXXX XXXX. The only thing she found said that they had their license revoked a few years ago. She was very sweet and reassured me that I was not going to jail and that she would contact XXXX to notify them of this situation. She also gave me XXXX 's number to follow up with them myself. I called XXXX, but they were closed and the voice recording asked me to leave my phone number and my full social security number.. umm, no thanks! I then called XXXX XXXX back at XXXX XXXX XXXX ( at XXXX ). XXXX did n't answer. I left him XXXX voice mails from XXXX to XXXX. NO CALL BACK!! Now, I have to go to work tomorrow in fear that a cop and some guy will show up to serve me, to publicly humiliate me and/or threaten me with more scary tactics like " jail time '' and " thousands of dollars in penalties ''.
Consumer complaint received 2021-05-14
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. (DE)

I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX, XXXX XXXX XXXX  , XXXX XXXX , Us Dept of Education # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was charged off as a collection on the following date XX/XX/XXXX of XXXX but on my report its stating XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with TRANSUNION and its not reporting much information with XXXX. Also all 3 accounts are stating a balance of {$100.00} as if the account its open when the balance should be XXXX since its already being reported as a collection which is also inaccurate and a violation According to Cushman v Transunion 1997, XXXX, XXXX, & TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX TRANSUNION Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Venmo closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Venmo quite frequently. My email linked to my Venmo is XXXX XXXX
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have done my best multiple times using every method available to me to keep my information current on my Equifax credit report. 

I have mailed disputes with documentation more than once to receive no response from Equifax. 

I have disputed over the phone to receive only passive responses from Equifax. 

I have tried to cite credit law to Equifax to try and get them to remove old and inaccurate information from my credit reports. 

I sent them documentation upon documentation to clarify what I believed was inaccurate or should be removed. Including but not limited to highlighted copies of my credit report with the errors circled or explained in permanent marker on the pages of my printed credit report. 

Their information always lags behind the other two credit bureaus by 60-90 days. They do not update information or check information reporting monthly as required by FCRRA. They are still reporting information from places that no longer exist and I know this because I sent them a copy of a returned envelope, returned by the post office. 

My credit cards, credit utilization has been 25 % for two months by the other bureaus to have Equifax not even report that correctly. They do not show my balances on my credit cards accurately or timely. 

Today is XXXX and I applied for a loan with XXXX to have Equifax report wholly inaccurate information and a wholly inaccurate and unfair score. They were the direct cause of me not getting the credit I deserved. 

Even when you use every method at your disposal to dispute or request they do as they are supposed to do and report accurate information it falls on completely deaf ears at Equifax. They do not care about the record holder and they do not care about the legislation and the rules.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Citibank closed two deposit accounts I had totaling {$15000.00} on XX/XX/2021. As of XX/XX/XXXX, I have not received those funds. Citibank has told me that on two occasions, they have mailed closing balance checks and have verified my address as the correct one. I have made a dozen calls to Citibank banking division with no resolution.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

I am continuously having problems signing online and it take forever for them to send me an access code to sign on and when I complain to the bank someone will call back and feed me a lot of XXXX. But Im still having a problem. Just Sunday I was turn down with my ATM card and that has never happened. Most of the time I call the bank and I will get someone on the phone that can not understand me and I can not understand them. There are people in the united states that could answer the phone.
Consumer complaint received 2021-03-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent a letter to all 3 credit bureau. Which it has been more than 60 days and I have not been notified or updated on all the incorrect information that has been reported on my credit report. I will file for litigation if the information is not corrected or removed. This is a violation and should be removed immediately. It is now XX/XX/2021 and still no updates or notifies or corrections
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am outraged that Trans Union continues to reinsert an account that has been paid in full, closed, with a zero balance. My account with XXXX has previously been reported as having a balance of over {$190000.00}, only to have me report the inaccuracy, followed by Trans Union correcting the record, only to have Trans Union subsequently re-report the account as open with over a {$190000.00} balance, only to have me once again send in documents to prove that it is closed, paid in full, with XXXX balance. I am angry and tired of having to go back and forth. For the last time, I an attaching documents proving that this account is closed, paid in full, with a XXXX balance. The next time Trans Union fails to properly report this account I am filing suit in federal court for the XXXX XXXX of Virginia.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

I filed disputes on several different dates for Santander Consumer, XXXX, and XXXX XXXX  card. These items were removed once before and now they reappeared on my report. Items are incorrect and talked to XXXX and they stated they will be removed again. Now items are keep updating to the current date. Items should have been removed and they are bringing my scores down tremendously.