davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (NJ)

I sent letters on XX/XX/2021 to the 3 major credit bureaus about things that are completely wrong on my credit report and have not heard responses from either bureau. I want an investigation and the damaging items to be removed so I can move forward with trying to get a loan for a house.
Consumer complaint received 2021-01-01
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. (IL)

I've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but XXXX XXXX, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called XXXX XXXX to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. XXXX XXXX send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XX/XX/XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any XXXX XXXX in my life and I won't open one in the future.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (TX)

I am not sure when the gift card was purchased since it was a gift. But I did call today, XX/XX/2021 to check my gift card balance only because the person who gifted my son with this card did not write the amount on the card. I also tried on this day to go online to their website ( XXXX ) and check my balance but the website was down. When trying to call the company at XXXX, the representatives either hung up in my face or told me they could not help me since I did not know the original load amount. And then one of the representatives deactivated my card. So now it is not useable. I do not know why they did that. The card has never been used and my son just received it as a gift a few days ago.
Consumer complaint received 2021-08-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I am contacting to possibly receive the best guidance for relief from a Private Student Loan obtained on my behalf, unbeknownst to me, by XXXX XXXX XXXX XXXX in XXXX, Virginia in 2005. During the enrollment process, the language was streamlined to convey obtainment of federal financial aide to cover tuition costs. I was unaware that the loan obtained was gained from a private lender. I now have {$12000.00} in interest being charged for a loan to a school that I ended up finding out had no accreditation, for which none of the credits can be transferred to any accrediting university. I am willing to pay a fair price for the loan since I completed XXXX  XXXX  at the school, however, I am open to a pathway to loan forgiveness since the process was disguised and the very few credits I obtained are useless. I've attempted to gain contact to the private lender to discuss this matter directly, however, Navient- who has custody of the loan is unwilling or unable to give me this information and doubles down that there is nothing else that can be done. I'd like to issue this complaint against Navient, however, the more direct complaint is to the Private Lender.
Consumer complaint received 2021-01-01
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. (MA)

I received a reinvestigation results response from XX/XX/XXXX reinvestigation results from report number XXXX, which I made under FCRA 611 ( a ) regarding an erroneous item on my credit report. 

I included an official letter on my dispute received from the clerk of the United States Court stating they do not " share any information with Credit reports or 3rd Party agencies and XX/XX/XXXX keep confirmed that have verified these accounts, I wonder who has verified if United States Court stating they do not share any information with Credit reports or 3rd Party agencies.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have incorrect information listed on my credit report with this company. I have submitted multiple dispute and nothing has been resolved nor have they provided me with satisfactory documents to support these documents. The following accounts discover financial, access receivable. I keep getting responses about credit repair I can not afford credit repair or anything like to assist with this nor can I afford any lawyer to take this to court. I honestly dont know what else to do other than to keep filing complaints.
Consumer complaint received 2021-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On the evening of XX/XX/2020, I sat down at my computer to find my computer being hacked. The hacker had placed order using the XXXX XXXX, XXXX and XXXX websites.. I was refunded for all these transactions by either my bank, credit card company, XXXX or PayPal. 

However, three separate money transfers from my PayPal account, dated XX/XX/2020, were made through PayPal and XXXX, to an XXXX XXXX for a total of {$650.00}. I do not know XXXX XXXX. I do not have a XXXX account nor have I ever had a XXXX account. I reported these fraudulent transactions to the PayPal Resolution Center. My claim was denied and then referred to PayPals Escalation Team, but I was told that the transfers were not unauthorized, which, of course, is not true. 
I started receiving threating emails from the hacker and filed a Police Report with the XXXX XXXX XXXX, California Police Department ( Case Number XXXX by Officer XXXX, Badge Number XXXX ).
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P. (OH)

I XXXX XXXX is the original creditor Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see attached copies. I have tried resolving this with the collection agency in which they keep saying this alleged debt is validated. Again how can you validate this alleged debt? I XXXX XXXX DO NOT validate this alleged debt. I will be filing a complaint with the XXXX  and attorney general. I also plan on contacting the media and release the information in regards to me being the Consumer and Natural person and my consumer rights as listed by Congress.
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX at approximately XXXX XXXX  I attempted to make an ATM Deposit. I inserted XXXX dollars into the Atm. The machine counted the money then spit some back out. I attempted to insert the money back in. The atm accepted the money then said deposit amount XXXX. I immediately called Bank of America to file a claim. They assured me that I would have a credit in my account in two business days and apologized for the inconvenience. 

Today I opened my app to see that my claim was denied.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

This account was a XXXX account that I opened, paid and closed all more than seven ( 7 ) years ago. I have disputed this item for years, and it will not go away, even though now it is timed out. 

The dates listed are incorrect. This account was opened, closed and ( falsely ) labeled delinquent more than seven ( 7 ) years ago.

If this complaint fails to resolve the issue, I will be forced to file suit to have it removed, and will do so. 

I appreciate any help you can provide. 

XXXX XXXX
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America branches are closed so I was asked to make a credit card payment thru there ATM. On XX/XX/2020 at XXXX XXXX, I tried to make a payment of {$1700.00} at the XXXX XXXX XXXX branch in XXXX GA. The ATM took the cash and gave me a receipt saying that it couldnt process the deposit. Since XX/XX/2020 I have called Bank of America numerous times and they are unable to give me a resolution. They took my hard earned money and making me run from one department to the other.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (GA)

It is very simple I had a secured credit card with BBVA ( at that time Compass ) that was opened in XX/XX/XXXX and it was closed in XX/XX/XXXX after I was unable to make the payments and had discovered a family member had been using it incorrectly, which I did not know for about three months. It was charged off sometime late XXXX or early XXXX, not sure of that exact date. 

Fast forward to XX/XX/XXXX, my XXXX ( only XXXX ) began reporting the account status as open out of nowhere, I have no clue why or what happened of course I then began a course of disputes with XXXX and arguing with them because I assumed maybe it was a glitch with there system, then after getting no where with them and every time BBVA confirming the accuracy of the reporting, I began hunting down who to contact at BBVA since I no longer had the full account number any longer or where to begin, finally I was able to get through on some XXXX phone number and the rude agent reluctantly gave me my full account number and this email as the ONLY way to contact the dept that handles these matters, XXXX! I began communicating on XX/XX/XXXX and was assured it would be sent over to the dept that handles the credit reporting and fixed, I have contacted them multiple times and still no action/response, and of course you will see with the documents I attached they were careful to encrypt their responses so I am unable to supply copies of that! 

This account is reporting 4062 % credit usage on my XXXX, I am trying desperately to correct my irresponsibility and to carefully watch my credit on a go forward as to correct bad ways and improve my status '! 

CAN SOMEONE PLEASE HELP!
Consumer complaint received 2022-11-01
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. (LA)

This CFPB complaint is a follow up of my recent CFPB complaint I submitted to the Credit Reporting Agencies requesting the removal of the fraudulent accounts and information completely from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint ot protect and execute my rights under the Fair Credit Reporting Act. I aso sent dispute letter to the Credit Bureuas dated XX/XX/XXXX, and I will be waiting for the Credit Bureaus respoonse. In the event the Credit Bureuas do not comply with my requests under the provisions of the FCRA, please udnerstand that I will be filing a lawsuit. Once again, I am requesting that the Credit Bureaus remove the following accounts from my Credit File as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus claim that the disputed items belong to me, I request that the Credit Bureaus remove the disputed accounts completely from my Credit file as soon as possible. In the event that the Credit Bureuas are unable to send me copies of documents I seel, please remove the disputed items as soon as possible.
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (TX)

I was sent an in-mail promotional offer for a new credit card by SOFI. It had a 0 % APR rate for 12/15 months. This happened in the month of XXXX. I responded to the offer and got approved for the card. I first started using the card in the month of XXXX and my first statement was generated in XXXX. I went ahead and made a payment and then when my 2nd statement was generated I daw that they have charged me interest on the balance amount. I reached out to SOFI and they said that they will investigate the matter and get back to me. this never happened. When I called them the 2nd time at that point they apologised and asked me to provide with the code orals they won't be able to apply the promotion. Never have I faced a similar situation from a credit card company. I never retained the paper as its been nearly 4 months. I never anticipated something like this. They are plainly denying any responsibility and it's a clear case of cheating and manipulating for charging interests. It is such an unfair practice. I don't think I will continue with this card but I want solutions regarding the promotional offer being applied to my account. Other folks should also be aware of this company engaging in such dishonest practices.
Consumer complaint received 2021-08-29
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)

I have tried to contact Experian to delete inaccurate information off of my credit report and i have been unsuccessful. The information is incorrect including two names that are wrong but include the last name from a prior marriage that never legally changed with the IRS. Two incorrect addresses and three incorrect names that are not me.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent a certified letter proving thaXXXX XXXX XXXX  account should be deleted from my credit report Experian has yet to delete this from my report I am going to get a lawyer to help me Sue XXXX XXXX  and Experian if you do not remove this from my credit report this information from XXXX XXXX is incorrect I want this deleted from my credit report immediately I have sent you the proof will and close the proof I have talked to XXXX XXXX XXXX and there will be a lawsuit if this is not delete it from my credit report. XXXX   has deleted this from my credit report if Experian doesn't delete I will have to sue Experian
Consumer complaint received 2021-08-30
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX / ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC at XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$920.00}. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. LVNV Funding LLC does not have a contract with my signature and I do not owe them a debt.
Consumer complaint received 2022-11-01
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed below : 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 2021-08-30
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX / ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Heartland Resolution Group, LLC (NY)

I just received a collection notice from Heartland Resolution Group dated XX/XX/XXXX for a sate of service XX/XX/XXXX from XXXX XXXX XXXX. All my medical bills received for that date of service were paid back in XXXX. I had no outstanding accounts. Additionally, I have not received anything until today about this. It's been over 10 years. I would like assistance looking into this claim to 1. make sure it is not fraud, but 2. also dispute this claim as the service was over the statute of limitations for NJ of 6 years. The amt is XXXX, but the comments say I have an opportunity to pay only XXXX. Something does not seem right here.