davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (MI)

XXXX is problematic. Dipsuted information still has no been removed, they refuse to provide credit score and report unless you pay ... which I did and still can't get resolution. XXXX/XXXX  is not a valid debt. XXXX has sent me validation of cancelation of policy, emails, proof of credit they owe me and STILL it is not removed as derogatory on my report. They also refuse to remove other accounts over 8 years old after many attempts and disputes. I'm sick of it. Fix this!!

Equifax needs to remove this items.

XXXX  needs to confirm they have removed them.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a credit card dispute with CAPITAL ONE BANK USA N.A. in XXXX. Capital One charged off the debt and sold it to a third party. No communication/no payments have been made by me regarding this debt ... and it should have been deleted from my record ( amount {$2200.00} ) some two and a half years ago. 

Recently, a SECOND third party debt purchaser, XXXX XXXX XXXX, purchased the account on XX/XX/XXXX and has made attempts to collect.

I called the original creditor, CAPITAL ONE BANK USA N.A. and asked for the ORIGINAL date they sold my debt to a third party. They refused and attempted to get me to call the new company assigned to the debt. I want no communication with the company so I called XXXX  and opened a case regarding fraudulent activity on my credit report. ( XXXX  Report Number is available ). XXXX  Fraud Agent, XXXX, ensured the company would contact both Capital One Bank and XXXX XXXX, requesting my usage/activity as well as the ORIGINAL date Capital One discharged the debt. 

XXXX  contacted me XX/XX/XXXX after ONLY contacting XXXX XXXX who generated the activity they reported since their purchase on XX/XX/XXXX. 

Personally, I've had only ONE credit card for the past nine years. By demanding the charge off date from CAPITAL ONE BANK USA N.A, you will see how long the account has been on my account. XXXX  basically didn't do their job and the fraudulent account remains a blemish on my credit score. 

In summary, if I could have access to CAPITAL ONE BANK USA N.A and the date they charged off my account, it would prove XXXX XXXX XXXX purchase of the account on XX/XX/XXXX is fraudulent, being the account is well past seven years old.
Consumer complaint received 2021-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

We have been dealing with my student loan servicer Navient since XXXX on securing an extension of my previous forbearance that was approved by Loan Holder XXXX for the year XXXX. This forbearance was do to hardships I have incurred over the past five years that has resulted in us becoming financially in trouble. I have had numerous health scares. Due to these scares and the recent pandemic have become unemployed since XXXX. My wife is our sole income generator she currently works at XXXX XXXXXXXX XXXX where she XXXX XXXX XXXX XXXX she has conducted this research for over 20 years at various XXXX. Not only can we not afford to pay our loans at this time but I believe Navient has been acting in bad faith for the last 9 months in helping us with our loans. I have corresponded with them many times through the mail with various forms and letters to try and resolve my loan but to no avail. I am constantly receiving calls and letters stating they have not received all the proper paperwork, that we are not eligible, that information can not be verified. I receive at least 35 calls and voicemails a week from Navient, not to mention letters weekly. It seems like they keep stringing me along at this point so they can keep compounding the interest on my loan and charging me. My loan holder just keeps referring back to Navient. Finally last week was the final straw. Even though we have communicated via mail and email THEY CALLED A DISTANT RELATIVE IN N.C. LOOKING FOR ME
Consumer complaint received 2022-10-29
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 (FL)

PayPal is refusing to close my account in violation of its terms of service. 

From https : //www.paypal.com/us/webapps/mpp/ua/useragreement-full " By continuing to use our services after any changes to this user agreement or any of the other applicable terms, agreements, or policies, you agree to abide and be bound by those changes. If you do not agree with any changes to this user agreement, you may close your account. '' PayPal has changed its policy to fine {$2500.00} its customers for doing business with people PayPal unilaterally decides to be spreading " misinformation. '' I do not agree with this change. Therefore, I am entitled to immediately close my account without any conditions as per the PayPal terms.
Consumer complaint received 2021-07-26
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: JPMORGAN CHASE & CO. (NY)

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION ()

I want to complain about Xoom, a XXXX service. 

Usually, when my employer sends me my salary, it comes in real time or waiting time of only 10 mins to 1 hour. And he always chooses the instant delivery option where I should be getting it real time all the time. 

Starting XXXX, I have been inconvenienced multiple times for money transaction delays. Client sends my salary on time each and every time. But Xoom delays the money sent to my bank account. 

Called them up, and they do not give receivers ' right for information regarding their money status. They always revert the problem back to the sender when they should not be in the picture of the problem. Senders sent the money responsibly and it always automatically deducts the money from their account immediately. 

Receivers are in a severely disadvantageous position here because of Xoom 's delay in depositing the denominations successfully. My point, receivers should have the right to know the status of their money - where it is, when it is going to be deposited, why the delays, what are the problems within the transaction, etc. 

It creates anxiety for the receivers ' end because most transactions are for their immediate needs and delays only make it worse.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (GA)

I Consumer XXXX entered into a consumer credit transaction with Navy Federal on XXXX XXXX. This consumer credit transaction arose from my credit card. 15 USC 1601 defines a Credit card as any card, plate, coupon book, or other credit card device existing for the purpose of obtaining money, property, labor, or services on credit. The Credit card that was used for this consumer credit transaction was my Social Security Card. My Social Security card/ number belongs to the Social Security Administration and anything purchased with my Social Security Card is the obligation of the United States XXXX
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have contacted the collection agency XXXX and paid for deletion. This account is still being reported as open, with a balance. I have submitted proof of payment along with a dispute for inaccurate reporting. Next will be litigation, if not resolved in a timely fashion.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (AL)

CREDIT SYSTEM INTL IN is claiming that I owe them { {$150.00} } but this debt is not mine. I am a victim of identity theft. Please Remove this inaccurate collection from my report. Attached is my notarized affidavit and police report proving identity theft.
Consumer complaint received 2021-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (FL)

2 inquries and a applcation I never submitted because of years of identity theft through a tax scam I place periodically freezes on my reports, they denied told me to reapply when I obtained SSI and was guaranteed approval! Lied. Was denied asked to remove the inquiry for years now.
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (LA)

Experians data furnisher has sent me a letter saying they deleted the bankruptcy but experian isnt removing it from my credit file. This a direct violation of frca 15 U.S.C 1681 et seq..
Consumer complaint received 2021-08-03
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)

Good evening, I want to report about the account that is in my profile but this item is not mine. Its fraud item and mistake. I reported to Identity theft bureau. Please remove this account reported by Equifax
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have tried to work with this company several times with absolutely no help. Whenever I call either get someone with a horrible attitude or hung up on. I keep receiving letters and do not mind paying what we agreed but no one will call back or work with you yet they keep updating my credit report.
Consumer complaint received 2021-08-03
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. (OR)

Dear TransUnion, According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below.

However, you did not provide proper verification the last time I requested this verification.

You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score.

Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-03
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. (CA)

There are 9 accounts on my credit report that DO NOT BELONG TO ME!!!! I have never seen these accounts applied or used them I need them off my credit report ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number XXXX XXXX
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (AL)

I checked my credit report XX/XX/XXXX and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.
Consumer complaint received 2023-07-26
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)

EQUIFAX, XXXX, XXXX HAVE SEVERAL ERRORS ON MY CREDIT FILE. I KEEP FILING DISPUTES AND SENDING PROOF .I HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I HAVE NO KNOWLEDGE OF FOR MANY YEARS AND AS A CONSUMER I HAVE THE RIGHT TO CHALLENGE THESE INACCURACIES ON MY CREDIT FILE. I DISPUTED 14 INQUIRES AND EQUIFAX SAID THAT THEY ARE FACTUAL AND IM NOT SURE HOW THEY CAME TO THAT CONCLUSION IN 1 HR AFTER THE FILING OF THE DISPUTE. I DIDNT GIVE THESE COMPANIES PERMISSION TO RUN MY CREDIT. ALSO THERE ARE ADDRESSES THAT I NEVER LIVED AT ON MY FILE AND I HAVE REQUESTED THAT THEY BE UPDATED AND THEY STILL REMAIN ON MY CREDIT FILE. PLEASE LOOK INTO THIS. 
THANK YOU
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (WA)

We have 3 credit cards through Barclays, 2 Juniper cards and a XXXXXXXX XXXX XXXXXXXX card. I have a online account that has one Juniper card and my wife has a online account with the other juniper card and XXXXXXXX XXXX XXXXXXXX card. My account has restrictions do to security issue and my wife 's account is locked do to a security problem. The number to call puts us on a long wait and when we get through they transfer us to security where we wait again and then to a so called fraud specialist which really ends up to a automated balance information on the card and then starts all over after asking what we are calling about. We have spent over 2.5 hours on the phone over a security issue and no one is addressing it. Big red flags for us! We can't pay, we have no statement because we are paperless. We are beyond frustrated and are concerned about what is going on with the account.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I had several credit cards with Synchrony Bank and ever since the start of the pandemic, they have lowered my limits and eventually closed almost every account. The letters state that I have too much usage on my accounts ( these are my student loans and that is not something within my control ) as most of the credit cards with them have always been paid on time and the balance was {$0.00} when they were closed. All of the reasons they stated for closing were there when I was first approved for credit cards with them. So for them to use it against me when it was on my credit report ( not much has changed on it ) when they approved me is a lie. I have noticed that if I keep a balance, they do not really touch the cards. It is when I start paying them off that as my balance decreases, so does my limit. Therefore, it always looks as though I have high usage on the credit card since they lower the limit to around what the current balance is at the time. An example is that I can have a {$100.00} balance on a credit card with a limit of {$500.00}, so I am using 22 %. However, they then lower my limit to {$120.00} and now my usage is 91 % and then one of the reasons why they are closing my account is due to high usage. Well, they made that as such! This causes my credit score to drop! Ever since the pandemic, my credit score has plummeted due to these tactics by Synchrony Bank. They have ruined my credit that I opened credit cards with them to try to rebuild! I know that a credit card company has a right to close an account at any time, but these tactics seem very illegal and damaging to my financial burden.
Consumer complaint received 2021-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AE)

In XX/XX/XXXX, I received a letter from Navient statin all my late fees would be waived if I brought my account up to date. This was to include a late fee on my account of XXXX . I asked the customer service rep several times if this fee would be waived and she assured me it would. I brought my account current and have been making regular payment on my account. The fee was not been removed from my account. I have talked to upper management and was told the fee would not be waived. I was not called about this. I called in XXXX of XXXX. XXXX, XX/XX/XXXX and XXXX of XXXX. The last time in XXXX when I called they said the most they could take off was XXXX $ and then changed it to XXXX . I even offered to pay the account off in full if they waived the fee. They told me the fee would not be waived. I have paid off the account 2 times over and I still can not get them to budge. I want to pay this account off but do not want to pay any more fees.
Consumer complaint received 2021-08-03
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. (OR)

Dear TransUnion, According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. 

However, you did not provide proper verification the last time I requested this verification. 

You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score.

Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

There is a public record on my consumer report I do not recognize. I contacted the courts and they said that the information I gave them does not match. I never filed bankruptcy. Can you please provide proof from the court of this public record.
Consumer complaint received 2021-08-04
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: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA XX/XX/2015 Sold to XXXX XXXX XXXX Contacted both companies as well as sent police reports and signed their affidavit but they still continue to report this fraudulent account on my credit