davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (MD)

I was on a special repayment program and I completed the terms. I then became unemployed due to no fault of my own and was receiving minimal unemployment payments. I tried to make ends meet, but my mortgage became behind and I had to stop paying on the credit card because my family needed housing and food more. I tried to talk to Discover and they were unwilling to help me. I could not get in touch with them often as I eventually went back to work and my work hours were the only times they were open. I tried writing to them and no response. They have since sent my account to a collection agency who will not return my calls or respond to my messages. I attempted to contact Discover because they have filed legal action against me without providing me with any details. Discover refuses to discuss any details about my account even though they have filed a court case against me. I have called them trying to work out a repayment plan with them for settlement but they refuse to speak to me. I have sent them payments when I had funds available to do so and they failed to report those payments made.
Consumer complaint received 2020-03-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I completed the application for public service loan forgiveness in XX/XX/XXXX following 12 years in public service. I have spoken with Fed Loan Servicing several times since completing my application asking for explanations of why most of my payments were not accepted. They told me repeatedly they were not done reviewing and would be in a month or two. I would call again and get the same answer. When I called today I was told they finished reviewing, though they had made no changes since they told me over the phone, when I called in mid XXXX following receipt of a letter dated XX/XX/XXXX, they would be done reviewing at the end of XXXX. They finally told me today they would review no more. 

I am not sure what course of action to take at this point. Any direction you could give me would be appreciate. 

The following is an email I sent to fed loan servicing today after I was told they reached a final conclusion and would review my previous loans no longer : " My name is XXXX XXXX, date of birth XX/XX/XXXX. I am writing to request my loan payment be reconsidered for eligibility based on the new regulations of the Temporary Expanded Public Loan Forgiveness guidelines and because I believe some income based qualified payments were not counted. 

I began repaying my student loans to American Education Services in XXXX. Initially my loans were not consolidated. 

My loans were then transferred to XXXX XXXX  in XX/XX/XXXX, when they were consolidated. I believe the consolidated loan payments, which did not quality under PSLF guidelines, now qualify under XXXX. 

My loans were then transferred to XXXX in XX/XX/XXXX, where I then began on the income based repayment plan. 

I continued to make payments under the income based repayment plan from XX/XX/XXXX and do so currently. I have never been late for a payment so every single payment make should qualify. 

I deferred exactly 3 months ( 3 payments ) during the duration of time I have been repaying my student loans. The dates of those deferments were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

From XX/XX/XXXX through XX/XX/XXXX, I did not work for a qualifying employer so payments made during that time period do not count. 

According to my calculations, I have now made 107 payments, with the most recent being XX/XX/XXXX. I understand that number to be accurate for both my XXXX loan as well as my XXXX   loan because payments for both loans are made together in one lump sum each month. ''
Consumer complaint received 2020-03-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Charleston Area Medical Center (WV)

Charleston Area Medical Center, sent me a MEDICAL BILL, for XX/XX/XXXX, for : {$860.00}. But I contacted XXXX VA, ( spoke with XXXX today, XX/XX/XXXX ), that works there, & he told me MR. XXXX, YOU ONLY OWE {$19.00} ... TOTAL!! 

I ask XXXX from XXXX VA, WHY? FOLKS LIKE THIS DO THIS..? XXXX TOLD ME THIS IS FRAUD!! Because they are trying to collect the WRONG AMOUNT, on your Wife 's Bill.
Consumer complaint received 2020-03-03
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. (FL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-24
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)

IDENTITY THEFT HAS TAKEN PLACE AND OPENED A FRAUDULENT ACCOUNT WITH XXXX XXXX. XXXX XXXX FOR {$1000.00} COLLECTION AGENCY CREDIT VISION IS REPORTING TO TRANSUNION CREDIT BUREAU
Consumer complaint received 2020-03-03
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. (FL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-12-24
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. (FL)

I have contacted the credit bureau Experian several times via certified mail, where I obtained my receipts of the failed attempts to resolve this issue. I have download & printed a copy of the credit report that shows illegal under the FCRA of reporting the same debt multiple times by different companies whom are using the address & phone. XXXX XXXX shows twice on my credit report & XXXX XXXX XXXX all for the same amount {$850.00}. Its the against the law of this reporting. Experian responded back with a letter that clearly shows proper investigation isn't being made.
Consumer complaint received 2023-06-07
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. (OH)

I sent a letter out on XXXX to XXXX, XXXX, Equifax and XXXX here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America Premium Rewards Credit Cards has a {$100.00} " Airline Incidental Statement Credit '' benefit. Per their terms and conditions : " Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include : preferred seating upgrades, ticket change/cancellation fees ''. 

XX/XX/2020 : 2 charges were made on the credit card for {$120.00} each with the description of " XXXX XXXX XXXX WA '' and " XXXX XXXX XXXX WA ''. These charges were ticket change fee per XXXX XXXXXXXX. 

XX/XX/2020 : As of this date, the {$100.00} had not posted to the account. I contacted BoA and requested the benefit be applied. Claim number : XXXX. Rep name : XXXX. They stated they would investigate the issue and provide a response in 7-10 business days. 

As of XX/XX/2020, BoA has yet to resolve this issue.
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

My chime account was closed was closed XX/XX/2022 and I didnt get a warning email to remove my funds. They just closed it and sent and email after, I contacted them about my funds and they have been charging my account STILL!
Consumer complaint received 2022-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I receive a call from Portfolio Revovery at least once or twice every day. I have repeatedly let them know the account does not belong to me and that I have even tried to dispute it and it still remains on my credit report. They are rude and continue to call and harass. I have blocked their number for over 2 years and every time they call again from multiple different phone numbers.
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AA)

I XXXX 2 years ago and just prior to XXXX  I sold my truck for {$25000.00}. The man who bought my truck paid me through PayPal. When I arrived in country Paypal put a debit of {$12000.00} on my account. PayPal informed me that I only had 30 days to respond to their inquiry and that the 30 days had expired. But I was XXXX  myself and family XXXX  and did not see their email. They told me there was an issue with the buyer and his bank. I still don't see how that applies to me since PayPal successfully transferred the money to me. I paid the {$12000.00} right away because I was afraid that being XXXX I would be able to fight any credit agency calls and didnt want to hurt my credit. PayPal refused to hear my side and I feel ive been taken advantage of because I'm XXXX. Ive been fighting this for 2 years and can't seem to get any help. It's been hard on our family. I have XXXX children and {$12000.00} is a lot.
Consumer complaint received 2020-12-24
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: Experian Information Solutions Inc. (FL)

I attempted to make contact with XXXX XXXX XXXX  in XXXX of 2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a child support case in my history of open/ delinquent accounts. It was for one year in 1998. I was not delinquent on child support payments. I was exempt from this back pay because I was on disability. When my case was transferred to California the original state forgot to share this information & California went after my bank accounts, illegally garnishing disability checks on three occasions. After the third time I was furious! I sent them a legal letter and the case was closed with no money paid or owed. This should not be on my credit report. It reflects badly on me as it may affect my credit score but also reflects badly on me professionally. It should never been reported as delinquent and it should not be on my credit report at all. 
And also, my work does credit checks on new hires and when we get leases through the company. No body I work with knows I had a child as a teenager that I gave up for adoption. It is not ok that the people I work with find out this way.
Consumer complaint received 2022-12-25
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: CITIBANK, N.A. (SC)

Back in XXXX of 2021, I bought a XXXXXXXX XXXX XXXX XXXXXXXX. I had to send it back twice within 2 months of receiving it at a cost of around {$10.00} shipping each time. Every time, XXXX told me it was my fault for one reason or another but they would repair it and send a new unit. 

After the second time, I told XXXX to keep the XXXX  and just refund my money. They did not, they sent it back broken. 

I filed a dispute with Citi and gave them the reasons. No where on their dispute site was I able to forward emails of the communications with XXXX. I did not know they asked for additional information until after the time limit had passed when I logged in to make a monthly payment. They also did not provide the merchants response or send my any kind of prior notification by US mail or email about needing more info. The only email I received was from XXXX where they showed the tracking number where XXXX had returned the amplified. 

On another instance, I had an issue with XXXX phone service. Not sure what happened but my equipment quit working and I had no dial tone. I did not know XXXX kept charging me monthly fees for service I did not have. Citi refunded all the monthly charges except one month for the same reasons but somehow needed more information about the one month. Again, I was not notified. 

This seems to be a pattern of negligence on Citi 's behalf. They are not protecting the financial interest of their customers. 

You can do whatever, but I will be suing citi and MasterCard over this. 

Thank you!
Consumer complaint received 2020-03-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (WA)

I graduated from college in XXXX. Several years ago I consolidated my student loans with Navient. Since then I have improved my credit rating tremendously, I now have a credit score close to 800. I received a letter from Pioneer Credit Recovery in XXXX of XXXX about a student loan that I did not pay and did not know about as I thought all my federal student loans were included in my consolidation with Navient. I sent a letter to the US Department of Education in XX/XX/XXXX along with supporting documentation ( it is attached ) and I didn't receive a response. What's interesting about the collection agency being Pioneer Credit Recovery is that ( according to a XXXX search ) they are a division of Navient, that has my SSN, DOB, address ( where I have lived for over 5 years ) and my phone number that has not changed in well over a decade. Why would I just now be contacted about this loan? My XXXX, {$1800.00} tax return was off set this year. And I still owe over {$2700.00} due to fees and interest. On XX/XX/XXXX at XXXX I spoke to employee ID XXXX and requested a validation of debt. To date, it has not been received. In an attempt to move on with my life and keep my excellent credit rating, I have offered a settlement of {$1000.00} and it is being rejected. I think {$2800.00} for sending ONE letter a year ago is a pretty good deal, wouldn't you agree? My complaint is that the federal government nor Pioneer Credit Recovery have done their due diligence to collect on this loan and I should not have to pay the inflated fees and interest. Thank you for your time.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

Credit card is reporting that in XXXX 2016 I was late 60 days. I was the victim of fraud. My card was lost and the card was used without my knowledge or permission. This was reported to TD Target at that time. Prior to that my balance on the card was {$0.00}. I was told that I was not responsible for the charges, the fraud investigation was resolved in my favor. While under investigation for those two months I did not pay on the disputed charges. Now TD Target reports me as late when it was determined that those charges were not made by myself.
Consumer complaint received 2023-06-07
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. (NY)

All 3 credit bureaus are reporting COLLECTIONS from the following unknown companies ; XXXX, and XXXX. All 3 bureaus are reporting these accounts without verification from these outsourced businesses plus they show inconsistent information to each other enforcing my belief that these accounts are not mine nor have I ever created an account with any of them, so these accounts are fraudulent. Many attempts were made for validation. No response was sent to me.
Consumer complaint received 2020-12-24
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)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.