davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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 begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX XXXX {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX XXXX {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX ( {$1300.00} ) ( XX/XX/XXXX ), XXXX   XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX XXXX {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX  {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to Experian, XXXX, and XXXX   about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX XXXX {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/XXXX,
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

On XXXX/XXXX/22 I took a a cashiers ck in the amt of {$3800.00} to a Sams club to pay off my Sams credit card account. The payment was posted by Synchrony Financial who manages the Sams credit cards and a week later it was reversed. They said it was returned by the bank in which had issued it. I got confirmation from the bank that it was not been returned. When I called, they asked that I take it back to any Sams Club store and have it resubmitted. I then took the cashiers ck to another store on XX/XX//22, they said I had to take it through the cashier and they would process it. It was again posted to my account and a week later it was again reversed and my account was closed due to having 2 payments returned. I contacted the bank again to see if the cashiers ck had cleared and it had so I sent a dispute to Synchrony showing that I had made the payments and it was corrected but they would not reopen my account. 

I also have a CareCredit card that is also managed by Synchrony and because they show 2 payments returned on my Sams card, Synchrony also closed my Carecredit card and both are reported as closed by creditor on my credit report which I consider as derogatory comments. It will affect my credit score for something that was not my fault. Both cards were paid off with cashiers checks and both are managed by Synchrony Financial. I disputed the closing of my CareCredit card and they stated that the Sams store reversed my payment both times that I took it up there. If that was the case, why would they then reverse the return and post it to my account? They told me I had to contact the store to find out why it was initially reversed on both occasions. I have called multiple times and spoke to the frontend managers at the store located in XXXX XXXX, Texas. I was told that I would get an email or a call from the accounting dept to try and see what happened but no one has called. I called and asked to speak to the store manager and they refused to let me speak with him.

I have had my CareCredit card for a very long time, they will not reopen it unless I can prove that the payments on my Sams card were reversed in error by Sams Club. I can not get anyone to tell me why a cashiers check was reversed or anyone to help me with the issue.
Consumer complaint received 2020-04-10
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. (TN)

I begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX ( {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX/XXXX  ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX ( {$1300.00} ) ( XX/XX/XXXX ), XXXX XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX XXXX {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX  {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to XXXX, XXXX, and Transunion about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/XXXX,
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (MA)

My daughter only stayed in college for one year, She was given the loan information to make payments. 
She made a few payments by calling in a few times, she missed a few payments. At that time I suggested we call Fed Loan and set up a payment arrangement. We called together, My daughter and I spoke with the woman service rep, I told her I was calling about the parent plus loans taken out in my name, we gave our social security numbers and the service rep set up my daughters bank account for repayment. Several months went by, I started getting alerts about my credit score dropping due to late payments, I reached out to my daughter who provided a bank record of payments being made. Several more months went by and I continue to see my score drop, at that point I disputed it due to having proof of payment. In late XXXX I decided to call Fed loan to find out what was going on, it was at that time I discovered that the parent plus loan was not set up with a payment plan, the only account that was set up was a loan in my daughters name. I had no knowledge of this account ; it was set up by the college without my consent. I was not involved in this loan. When the initial repayment plan was set up the service rep set up the wrong account and did not disclose that she seen an additional account. 
The service rep suggested a forbearance, it was approved. I have been making on time payments since then. During the 8 months I received 16 late payments recorded against me on my credit report. They reported on 2 accounts being late but I only have 1 account number. I believe that these late payments against me are unjust, I called The Fed loan facility and gave all of the necessary information, there was no mention by the service rep of several accounts. If these said accounts were discovered the first time, I contacted their facility I would not be in this position. 

We called Fed loan in XX/XX/2018 to set up a repayment plan I have records that show one account was being paid while the other fell behind due to the wrong account being set up for repayment.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NM)

I used the PayPal service through the seller of an apparel product. I did not receive the merchandise until 3 weeks later. When I received it, of course it was nothing like it. The online store was in the US but the shipment was from XXXX. I contacted the seller via email, no response, via phone no response, when I went to the website it was taken down. I alerted paypal of this incident they opened a dispute, then sided with the seller because the seller claimed they sent it. I opened it up again they rejected it because they needed more information. Finally after the 3rd time trying to dispute this, this is when I got an email from the seller and they said it was an accidental mistake and that if I could just ship back the contents they would give me a refund, however they wanted me to cover the shipping cost. It was their mistake. It costs {$50.00} to ship it to XXXX. the value of the product was for {$XXXX} to which as of this posting I still have not recovered. Paypal says I must reply with a tracking number or they will close the case and side with the seller. they expect me to pay for shipping on a fraudulent seller instead of handling it with the seller instead of me. I fail miserably to understand how correction of fraud on the sellers part constitutes loss of money on my part. Here are the number of disputes : XXXX Other Closed XXXX XXXXUSDXXXXr XXXX, 2020 Case Resolution Decided in seller 's favour XXXX OtherClosed XXXX XXXXUSDXXXX XXXX  , 2020 Case Resolution Decided in seller 's favour XXXX Item not as described Need Seller Response {$110.00} USD XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-04-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$0.00}, {$5700.00}, {$0.00}, {$4100.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

This is an issue that involves discrimination. I have been having an ongoing problem with PayPal and this account. I contacted PayPal XX/XX/2024 to alert them that my account was in the hole by to much money. 

I had a client that is known to me purchase services ( which the only legal reason that this kind of purchase can be charged back is fraud. 

His charge back did not equal the amount that they put my account into the hole for.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX # XXXX Inaccurate Late Payments Immediate Action Required I noticed that you are reporting errors on my credit report indicating that I was late on the account ( s ) noted below. 
Please explain how you can report these negative marks when I was never late.
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc. (CA)

Delta Management Associates is out of compliance with the CARES Act by failing to contact my employer about the 6-month freeze on student loan wage garnishments. 

Even after my previous complaint two weeks ago about the continuation of wage garnishment, Delta Management Associates continues to garnish wages and has failed to notify my employer.
Consumer complaint received 2022-01-03
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: Mountain Run Solutions, LLC (SC)

Consumer reporting agencies have a significant amount of personal information about consumers. This information is invaluable in assessing a consumers creditworthiness for a variety of products and services, including loan and deposit accounts, insurance, and utility services, among others. The FCRA governs access to this information to ensure that a prospective user of the information obtains it for permissible purposes and does not exploit it for illegitimate purposes XXXXThe FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Transaction Dispute/ Request for Fraudulent Transaction Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C . 1681 ( g ) ) XXXX XXXX STERN RECOVERY SERVC ACCOUNT NUMBER MISSING NOT REPORTED XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account in the amount of {$33000.00}. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed.

In addition, I am enclosing a copy of sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 609 ( e ) ,605B, 615 ( f ), 623 ( a ) ( 6 )
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-12-28
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)

Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX  XXXX XXXX, as well as XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX XXXX because of it. I have not given
Consumer complaint received 2022-12-28
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: LEXISNEXIS (FL)

I called XXXX XXXX for the past XXXX months trying to get a paper copy of my report because I was told when I try to get insurance that theyre reporting other peoples names at my address I continue to ask them not to do that to please remove it besides that I navigate the permission to give my information to anyone which they are doing. I try to get a report so that I can see everything they doing wrong. Ive called over XXXX times, they keep telling me theyre going to send that wait XXXX days and it has not been sent as of yet I just called again and every time I call they make me stay on the phone like XXXX minutes asking me the same questions about my home address, my cell phone and my drivers license number then they tell me now that my license number is incorrect. I know my license number I have it in front of me so somethings happening. Im not sure what it is but I need help to resolve the situation. I need my report and paper form and I need them to not give out my information without my permission and when I get my report, I see all the incorrect information for them to fix it as well in a timely matter thank you.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Settled an old collection account XXXX  # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX  listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX  balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (TX)

LVNV has sued myself for a debt 13 years past the statue of limitations. In XX/XX/2020 XXXX county awarded them settlement, I did not pay attention to the mailing of this happening. I have spoken to them about this and they want to go to court for their violations of the FDCPA. So Im hiring a lawyer to represent me on this matter. In addition Im filing complaints for their unlawful acts.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

I FILED A DISPUTE WITH CITI BANK IN XX/XX/2019 REGARDING THE PURCHASE OF A MATTRESS IN THE AMOUNT OF {$1100.00}. I DISCUSSED THIS PROBLEM WITH CIITBANK BUT ANYWAY REVERSED THE CHARGES BACK ONTO MY CREIDT CARD EVEN THOUGH IT WAS NOT MY FAULT. I HAVE ATTEMPTED TO CONTACT CITIBANK SEVERAL TIMES BY PHONE, INTERNET AND MAIL, BUT DUE TO THE VIRUS THEY CLAIM RESPONSE IS DELAYED, BUT IN FACT THEY CAN NOT BE CONTACTED AT ALL. I ALSO FORWARDED A RETURN RECEIPT LETTER TO THEM AND I DO NOT WANT TO INCUR ADDITIONAL CHARGES FROM THIS MISTAKE. 

THE XXXX XXXX ( SLEEP HAPPENS ) FAILED TO DELIVER A MATTRESS TO ME ON TIME. RESULTING WITH NOTHING TO SLEEP ON I WAS FORCED TO BUY AN AIR MATTRESS THEN PURCHASE ANOTHER MATTRESS FROM A  DIFFERENT COMPANY ... THIS COST WAS OUT OF MY OWN POCKET EVEN THOUGH THE MATTRESS COMPANY WAS IN ERROR. 

CITIBANK XXXX, XXXX XXXX, SD XXXX
Consumer complaint received 2020-04-10
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. (AZ)

Settled an old collection account XXXX  # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed