davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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 (KY)

I have an account with a service, PayPal, and they have continued to harrass me via emails. I have called twice to close my account and visited their web site to make two more attempts to close this account. I've had this account for three years and until about six months ago was satisfied with their service. They have become too big to provide the service they were providing some time ago. The process to dispute a charge has become very difficult and requires going through multiple pages and many questions. It has become far more simple to just dispute a charge by going directly to the issuer and avoiding PayPal. I have asked that my account be closed and as I said above I have tried everything that is recommended to close an account and as yet have not been able to get the account closed. I continue to receive emails both promoting their service and instructions on how to close my account. I've followed the instructions I've received twice along with two phone calls attempting to close the account. Now I starting to feel as if they are harassing me as I continue to receive unwanted emails.
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I was tracking on my credit report the actions of LVNV funding and a company who was also reposting a debt that I did not do and filed identity theft on those actions. 

now I see that LVNC Funding is saying they are claiming that a XXXX XXXX XXXX  and XXXX XXXX XXXX  both from something from the XXXX XXXX XXXX state I opened the account and reporting this as new reports. when their original reports were made and disputed in XXXX, XXXX, XXXX and XXXX. 

trying to declare the debts belong to a XXXX XXXX american that did not authorize the accounts. I have issued this as a discrimination and XXXX attack tactic.
Consumer complaint received 2020-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

This complaint involves all three credit bureaus : XXXX, XXXX, and XXXX. They should be included in this complaint along with Navient. 

Please see attached document with screenshots. 

In violation of the Fair Credit Reporting Act, Navient continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against Navient was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. 

What is Navients consequence? What is the consequence for the three credit reports? Navient and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or Navient, the business reporting the bogus information to the credit bureaus? 

Below are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get Navient and the three credit bureaus to report accurate information ; it is the law.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kelsting Group, Inc. (CA)

I am currently in the middle of financing and this unknown collection account appeared on my credit. I have not received a collection notice, phone call or anything for that matter informing what the debt is for before it was placed on my credit. I have also not been able to reach anyone at this institution. They have 2 different COLLECTION COMPANY NAMES ON MY CREDIT. The name on my credit is Pacific Credit Service Account Number XXXX XXXX and the address of this company belongs to Credit Bureau   Associates
Consumer complaint received 2020-08-12
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. (WA)

Hi There, After reviewing my credit report, there is some of inaccurate information reporting on my credit profile. I have reach out to Creditor as well as 3 Credit Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mines. I am a victim of Identity Theft. I also reached out to Credit Bureau 2 months ago almost with no response. I am asking for these item to be removed that does not belong to me. 

See Attachments. 

Thank you
Consumer complaint received 2020-08-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. 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 2020-08-12
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 {$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 ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. 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 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: Experian Information Solutions Inc. (MN)

I have been disputing for the correction of my Credit File from fraudulent information by having the fraudulents items removed from my Credit File. I have been sending dispute letters and CFPB Complaints to the Credit Bureaus and yet the Credit Bureaus have sent me nothing. I am executing my Consumer rights under the Fair Credit Reporting Act section 605b, which requires the Credit Bureaus to remove the disputed accounts and information from my Credit File that resulted due to identity theft. Also, the Credit Bureaus have been claiming that the disputed are verifed and are accurate per Creditors ' verification. However, the Credit Bureaus failed to send me copies of proof of verification from the Creditors. I believe that the Credit Bureaus have not done any investigation since they have failed to send me documents that I have been requesting fo quite a long time. This action of the Credit Bureaus is a clear violation of a consumer rights! If the Credit Bureaus do not comply with the reqyests, please understand I will initiate a lawsuit. Once again, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 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 2020-08-12
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc. (UT)

I was approved for a student loan back in XXXX of this year with a great interest rate. I reapplied in XXXX to get a similar loan and was offered a rate about 4 % higher. I've called numerous times and have been passed around multiple departments. The only answer that I've received is that I no longer qualify for that rate. They will not provide me any information regarding what I need to do to qualify for that rate. They mentioned that my credit score could have significantly dropped. However, all payments have been made on time. My XXXX  monitoring service actually shows my credit score has increased since I took out the previous loan in XXXX. Their only other answer is that it's all a software that decides, and they don't actually know why some of the differences in rate occur. They have given me the run around and haven't provided me any information with the reasoning I do not qualify for their best advertised interest rates. I'm now at the point where tuition is due, so I'm either required to get a loan 4 % above market or apply through a different company.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I deposited a check in the amount of {$1600.00}. A hold was placed on the check until it was released from the issuing bank. After the issuing bank released the funds than Chase Bank comes up with another reason to hold my cash. Due to " suspicious activity '' they said they will not release my funds at all. Federal laws I thought protected consumers from things like this.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc. (AR)

ok i recieved a letter from a collection company its called mid south adjustments onXX/XX/XXXXtrying to collect a XXXX medical debt from XXXX county hospital well my heath insurance paid it for some reason there trying to collect it but the insurance provider paid it after it was closed out and sent to collection agency and i called to tell them this and would not do nothing and it was on my XXXX credit report i said i going to dispute it with the credit XXXX  bureas and so i did 30 days later came back verified so i could not re dispute it so here i am needing your help
Consumer complaint received 2020-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a loan with XXXX and BK OF AMER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. There was definitely an error on their part.
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: Experian Information Solutions Inc. (MO)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXX
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (TX)

Had an existing account with Well Fargo Bank with minimum payment of {$190.00} and interest rate of 7.90 %. Made a new charge on XX/XX/XXXX of {$1200.00} with 0 % interest if paid in 12 months. New minimum went to {$240.00}. Was advised that new minimum payment would not satisfy new 0 % rate so I would need to pay more to satisfy the amount. Wells Fargo stated : '' We apply any payment amounts in excess of minimum payment first to balances with no interest if paid in full during the 2 billing cycles immediately preceding expiration ( XX/XX/XXXX ). I paid an additional {$1500.00} during that period, above the {$190.00} min payment due on original debt. I am now being told that not only is there still a balance on the {$1200.00} still owing but the interest rate is at 28.99 %!!! I feel this is unfair to me as a consumer and I even called during the payment period to ask Wells Fargo and XXXX XXXX how to pay to make sure I got the 0 % paid off and was told to just pay extra. I feel I was deceived and this has cost me double what I owe. I am a XXXX  citizen on a fixed income and this has greatly impacted my finances!/
Consumer complaint received 2020-08-12
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. (CA)

I have sent many disputes to the credit bureau 's regarding this matter. XXXX XXXX has already removed the account from my credit report but XXXX and Experian refuse even though the account is not accurate. XXXX XXXX removed it because they saw the inaccuracies and removed it from my credit. I am filing this complaint because XXXX  and Experian won't remove it even though my disputes to them have pointed out all of the inaccuracies. 

The account in question is from XXXX XXXX XXXX, Account number XXXX which shows a balance of {$9000.00}.
Consumer complaint received 2020-08-12
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. (MI)

My Name is XXXX XXXX my number is XXXX I have not been able to do anything or get anything with my credit report because of identity theft which I have filed before back in 2003 and still on and off. So hopefully I can actually get some assistance with this this time last time the change XXXX XXXX XXXX with identity theft but no credit agencies fix my credit but yall keep allow him to get stuff in my name even after I have reported it. Know hes back to his old tricks and I found out hes up to it again. His current address I found out is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX North Carolina XXXX. And phone number XXXX XXXX XXXX XXXX also have aliases
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I applied for small business loan back in XX/XX/2020 I had credit pulled XX/XX/2020 was denied then they pulled it again 3 weeks later denied again NOW they pulled it again on XX/XX/XXXX I did NOT give them permission to pull it continuously affecting my score I was denied I do not want this to happen again my score keeps going down because of them. This needs to STOP
Consumer complaint received 2020-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

In XXXX, my mortgage company increased my mortgage payment for 36 months to cover an escrow arrears. 12 months later ( XXXX ), another escrow analysis was done ; my payments were adjusted, I paid ever dime they told me I needed to pay. 12 months after that ( XXXX ), another analysis was done, my payments were adjusted, I paid every dime of the increased amount. 

Here it is XXXX, and my escrow shortage was reported to be {$2000.00} ( it was {$5000.00} in XXXX )! 

All I'm asking now is to spread my extra payments over 36 months, not 12.
Consumer complaint received 2020-08-12
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (FL)

To Whom It May Concern : I have been a customer of TD Bank for 25 years, although originally XXXX XXXX. I can say that the customer service and operations of the bank have gone completely down hill since XXXX was acquired by TD. 

I had a overdraft line of credit from TD Bank on my checking account, which I had for nearly 20 years. That account had fraud on the account, and needed to be closed. At that time, I was unable to use my overdraft line with my new account. I paid the balance down to {$4.00}, but was unable to pay the final balance online from my account as I have done for 20 years. Since I was unable to pay and I did not receive a payment due notice, I did not make a minimum payment, which would have been {$0.00} or less, based on the balance. This occurred in XXXX of this year, right as XXXX XXXX was becoming an issue and as bank branches were closing. 

I downloaded a credit report in XXXX due to a potential loan for a boat and realized there was a 60 day late payment on my account from TD Bank. I was not notified there was a payment due, the payment was late or they were adding late fees of {$5.00} per month on my account. I had significant funds in my other 6 TD accounts to be able to pay the balance, which I wasn't able to do through TD 's website or normal channels. I spoke to TD and on the phone, they were able to have the balance paid from my existing accounts in XXXX. They requested I send a letter, which I did, to dispute this from my credit report. In the prior 25 years, I had never made a late payment to XXXX Bank or XXXX bank on any of my loans. They responded with a from letter that the dispute was rejected. 

This negative payment, the only one on my credit report, is causing my credit score to be as much as XXXX points lower than it should be. It is causing me to have significantly higher on any loans I have applied for, including a recent RV, which caused my interest rate to be 8.5 % versus 5.99 %, meaning I would be paying an extra {$500.00} per month for no reason. 

I tried reaching TD Customer Service last week and spent 5 hours being bounced around, having my calls dropped and never being able to speak to the correct person to try and get this dispute resolved. I believe this both a violation of standards a bank should use in allowing customers to pay their bills, to notify them of potential violations before it would affect their credit or using common sense to avoid an issue with a 20 year client. 

I am hopeful the CFPB can at least get me to speak to someone at TD Bank to get this resolved.
Consumer complaint received 2020-06-19
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 {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$3500.00}, {$420.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Convergent Resources, Inc. (TX)

Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for the XXXX of XXXX and XXXX ( see attached bill notice password " XXXX '' ). 

Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.