davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
Product: Credit card or prepaid 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: FinCo Services Inc DBA Current (FL)

On XX/XX/XXXX I made a down payment on a vehicle in the amount of {$1200.00} and was told the vehicle would be available on XX/XX/XXXX upon contacting the dealership i was told it isnt ready and would be available after XXXX XXXX on XX/XX/XXXX I contacted the dealership and still no vehicle after my final attempt I was told to wait until XX/XX/XXXX After waiting and still no vehicle I filed a dispute on XX/XX/XXXX with my bank which is FDIC insured throughout the investigation there was no communication on the banks end just a simple we are still reviewing in will be in contact after i later asked for a provisional credit and was told that i would have to wait until i was contracted 3 months later 90days still no response no answer no communication from bank and no provisional credit the 90th day according to the bank was XX/XX/XXXX today is XX/XX/XXXX and i am still being told the same thing i have had not one individual contact me ive sent in documents, receipts, screenshots of conversation and much more and have yet to get a simple answer on my on going investigation my banks name is Current which is similar to XXXX it has a black card with pink and blue strips around the outter edge issued by XXXX XXXX XXXX  ( Member FDIC ) pursuant to a license from XXXX XXXX XXXX " XXXX XXXX XXXX  '' and " XXXX '' are registered trademarks of XXXX XXXX XXXX  XXXX.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I have provided my bank information to MOHELA 3 times now and they continue to tell me that they can not withdraw payments. Ive signed up for auto-draft and nothing is happening. They are saying that its an issue with my bank but it is not an issue with my bank because my husbands loans are being withdrawn from the same account with no issues. Now MOHELA is threatening to report me to the credit bureau and ruin my credit over an issue on their side.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-07-03
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-01-06
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: AES/PHEAA (NV)

XX/XX/XXXX - XX/XX/XXXX credit report shows FedLoans twice for the same student loan accounts. One listed for $ XXXX the other for $ XXXX, with XX/XX/XXXX stating I have $ XXXX in student loan debt. I have $ XXXX per the Dept of Education and FedLoans. 
Same day I contacted my acct rep with FedLoans, he stated one will fall off give it a month. 
Same day I filed a dispute with XX/XX/XXXX on the $ XXXX, denied it. Verified with the Dept of Education no one called or placed a verification request for total amount of distributed student loans.The person handling the disputes states consumer doesnt agree with FFCRA. Never mentioned FFCRA as I have no issue with 0 % interest yet but yet now I owe more money since XXXX. FedLoans is charging me {$50.00} a month to service my {$0.00} payment plan, yet my interest went up when it should be 0 % from XX/XX/XXXX onward through I believe XX/XX/XXXX. 

XX/XX/XXXX - Both the $ XXXX and $ XXXX student loans are still showing on my XX/XX/XXXX Credit Report. Placed a dispute with XX/XX/XXXX again, this time under the $ XXXX, sent in documentation to include a print out of my last FedLoan statement and a screen shot of the owed amount per the National Student Loan Database, and the Dept of Education with explanation that they are showing the same accounts with two different amounts combining them for total student debt of $ XXXX which is incorrect. 

I send an email to my account rep at FedLoan Servicing he calls me back from the East to West Coast, XX/XX/XXXX at XXXXXX/XX/XXXXXX/XX/XXXX, to assist me. Basically said FedLoans can not speak to XX/XX/XXXXand that yes it is wrong on theXX/XX/XXXX credit report as I sent him a screen shot. He suggested what I had already done that is to dispute it. 

XX/XX/XXXX - I called XX/XX/XXXX they said no I have the debt of $ XXXX, and opened another dispute on-top of a dispute. They gave no information on how they verify my student loans and refused to acknowledge that the same accounts are listed twice under the same account number ( s ). I advised it is impossible to take Federal Loans out for an XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX - pulled my XX/XX/XXXX and XX/XX/XXXX credit reports to confirm they are reporting correctly of $ XXXX, sent info to XX/XX/XXXX and updated FedLoans. 

XX/XX/XXXX - XX/XX/XXXX dispute remains unchanged, stated they spoke with the student loan servicer and that the information is correct. Problem is they are verifying one account because you can not combined the two open student loans together, not resolving that these are listed twice. 
Filing a complaint.
Consumer complaint received 2022-12-28
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 (PA)

My paypal account has been locked and they are holding roughly {$1000.00} of my money and will not release it to me. 

They gave me no reasoning for doing so and have evaded dozens of attempts at working with me to give me my money back.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (MA)

An account that I am not aware of keeps showing on my credit report. XXXX XXXX  XXXX XXXX. It says a balance of {$6500.00}, and opened on XX/XX/XXXX, and I have never opened a XXXX card on this date. XXXX claims that I used their account to obtain goods, and won't give me any proof of me buying goods with stolen funds. I have never opened a XXXX XXXX account with XXXX XXXX. I gave them a police report, FTC Identity Theft report, and filled out their affidavit, and they still harass me by sending junk mail to my home every other day. 

I have had a car lease in XXXX with XXXX XXXX in Texas, but I never had an XXXX credit card. XXXX is reporting this along with Experian Credit Bureau, and I want this fixed asap as it is causing damage to to personal credit file.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (PA)

My complaint is against CREDIT KARMA SAVINGS ACCOUNT. 
I have membership with credit karma all. I sent them money months ago, and I tried to link a new account and delete my old account that doesnt exist anymore. I found myself going back and forth with their email reps from XXXX or XXXX, 25 emails, and after hours of wasting time, I asked their rep to give me my funds back in a form of check because their system couldnt save the new banking information. 
After we agreed with the rep that he will send my funds in a form of check he sent it back to my old bank account ( according to their last email ). 
Now they will need to send me the money back in a form of check I dont care what they have to say. Its only XXXX something dollars, but its not fair how they are handling my money and even though I requested something they did something else. Its not normal that a bank who is holding my money, doesnt have customer service, no phone number and their reps dont write their names on the email or worker id. Looks like a big scam and people are falling for it
Consumer complaint received 2021-01-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc. (FL)

On XX/XX/2019 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EASTERN BANKSHARES INC (MA)

I had an incident with Eastern Bank - XXXX XXXX - XXXX ( XXXX ) in XXXX XXXX, MA on XX/XX/XXXX. I deposited {$200.00} in cash. The next day, I got the confirmation email of my deposit and it said, {$180.00} was deposited. My RECEIPT said {$200.00}. I immediately went to the bank and the bank manager wasn't very helpful or apologetic. She went up to a bank teller and proceeded to speak to her in XXXX, even thought both of them know how to speak English. That's so unprofessional. And also makes the assumption that because I'm XXXX, that I don't speak XXXX. And the teller said in XXXX that it was {$180.00} as well. And the manager didn't apologize and was defensive, " People make mistakes. '' So I went to Eastern Bank in XXXX XXXX and I asked them to look into it. They told me that it was Teller XXXX and that my deposit slip was tampered with and altered to read {$180.00}, ten minutes after I left the bank on the XXXX. Later on the XXXX, I got a call from the manager of XXXX XXXX and they credited my account. But whatever happened, this is criminal and this needs to be investigated. As well as the unprofessional behavior of the manager. -- UPDATE : I heard from a XXXX XXXX from the problem resolution specialist. We exchanged a few emails regarding the issue, and then she said she had to speak with me on the phone to validate my account. I avoid speaking on the phone, because of the lack of a paper trail. That's when she proceeded to tell me that the deposit slip was written out for {$280.00} and that I told them to change it to {$180.00}! I did NO such thing! I asked her for a copy of the deposit slip and it's CLEARLY forged! If any changes were supposed to be made, I would have had to initial or make out a new slip, etc. But that didn't happen, because the teller made the changes after I left the bank! Then I received a letter from Eastern Bank saying that I made a cash deposit of {$180.00}. And said that the cash deposit of {$100.00} was incorrect!!!!! Didn't mention anything about the deposit slip being forged to read {$280.00} and then {$180.00}! SEE ATTACHED photos of the doctored deposit slip. You can CLEARLY see that I DO NOT write my 8 's or 1 's the way it is written! It's not my handwriting! Too late for Eastern Bank to back-pedal on that one! Photographic proof! I also filed a police report.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2021-01-06
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 disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the items was deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 2023-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (OH)

I have a student loan though Sallie Mae Every month the day my payment is due I start receiving multiple calls a day until it registers in their system that I made my payment. So if I pay my payment on XXXX, but it doesn't register till XXXX I'll still receive multiple calls a day until XXXX. Sometimes as many as XXXX calls a day regardless of if we answer the phone or not and regardless of what I say to them. 

Today for example I received a call from them at XXXX and spoke to them at length to explain I would make my payment when my check got deposited, they persisted I told them I would pay it as soon as I got paid. They called again at XXXX, XXXX, XXXX, and XXXX I did not answer.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 has violated my rights. 

15 U.S.C 1681 section 602A states i have the right to privacy 15 U.S.C 1681 section 602A section 2. it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XX/XX/2020 I discovered inaccurate and fraudulent information on my credit report. I contacted the credit bureaus that were reporting the inaccurate and fraudulent information.They continue to report the fraudulent and defaming information as of XXXX. They have yet to provide me with any validation of debt and my request for damages incurred.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I opened an XXXX XXXX card issued by Barclays in the summer of XX/XX/XXXXin order to purchase from the XXXX XXXX and receive points for it. <P/>Unfortunately, one year later I had a housing crisis and called Barclays to enter this credit card into the Financial Hardship Program. The account was closed, my interest rate and minimum payments were lowered and the late fee was waived. I successfully completed the program in one year and began making regular payments until I paid the entire balance a few months ago. <P/>However, when I started shopping around for a refinance on my student loans, I noticed that I was getting denied due to " excessive late payments. '' I pulled my credit reports and noticed that Barclays listed this closed account as 30 days late for six consecutive months ( XX/XX/XXXX XX/XX/XXXX) after I entered it into the hardship program. <P/>If I had known that my account was going to be marked late, despite paying on time on the same day for an entire year and AFTER enrolling in the hardship program, then I would n't have joined a " hardship program. '' I 've disputed with XXXX, XXXX and XXXX multiple times - online and in writing - as well as directly with Barclays. They keep saying that the reporting is correct despite the documents and payment statements ( all directly debited and accounted for from my account ) the contradicts their assertion. <P/>I 've asked them to correct my account status or explain how they 've come to their conclusion, but they refuse to do the first and refuse to explain the latter. <P/>This account has been closed for over a year and the balance has been paid in full, so I have no interest in acquiring a Barclays card or co-branded card after the run-around I 've received from them.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a XXXX XXXX XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in XXXX  of this law because I am a XXXX XXXX XXXX XXXX!! Please delete these items as soon as possible! 
XXXX XXXX
Consumer complaint received 2021-01-06
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. (FL)

I am stressed out that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish officially. I am a victim of identity theft as I do not recognize those items in my credit report. Its very hurting when I see accounts that I do not recognize in my report and unfortunately, I am forced to write letters and complain. Please check them all and investigate and delete them forever as I have never signed any documents with them, and never authorize them.
Consumer complaint received 2023-01-02
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. (VA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX AV XXXX XXXX, XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (OH)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior 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