davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
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: NAVY FEDERAL CREDIT UNION (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 15USC 1681. 
/ :. NAVY FEDERAL CREDIT UNION ACCT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 
/ : .NAVY FEDERAL CREDIT UNION ACCT NO : XXXX PLACED ON MY XXXX CREDIT RPORT. 
/ :. NAVY FEDERAL CREDIT UNION ACCOUNT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 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. 1681 C. ( 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 seven years. 45U.S.C. 1681 S- 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 2022-06-04
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business online freelancing since 2019. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2022-06-04
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. (CA)

This card is reporting twice on ALL credit bureaus and when I tried to apply again it says I already have a card and I do not please stop reporting it twice one says included in bankruptcy and other is just blank or says paying as agreed but one also has my credit usage at 176 % this is incorrect please delete this off and correct my information in your system I am trying to purchase a house and this effecting me negatively please correct ASAP and rescore me
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This card is reporting twice on ALL credit bureaus and when I tried to apply again it says I already have a card and I do not please stop reporting it twice one says included in bankruptcy and other is just blank or says paying as agreed but one also has my credit usage at 176 % this is incorrect please delete this off and correct my information in your system I am trying to purchase a house and this effecting me negatively please correct ASAP and rescore me
Consumer complaint received 2022-06-04
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)

This card is reporting twice on ALL credit bureaus and when I tried to apply again it says I already have a card and I do not please stop reporting it twice one says included in bankruptcy and other is just blank or says paying as agreed but one also has my credit usage at 176 % this is incorrect please delete this off and correct my information in your system I am trying to purchase a house and this effecting me negatively please correct ASAP and rescore me
Consumer complaint received 2022-12-19
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. (MS)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NV)

I've tried to dispute with the car company Santander and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. Santander is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, XXXX, XXXX ). I've disputed multiple times with the agencies and with Santander and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?
Consumer complaint received 2022-06-04
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX 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
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian refuses to delete address and names that aren't mine. I have sent letters to the company every month since XX/XX/2020 and its still reporting inadequate information. 

I continue to receive the same its been verified information which I know is incorrect especially my name. I've sent bills, my BIRTH CERTIFICATE, my drivers license for verification and still the same incorrect information appears and they are the only reporting company reporting this inadequate information.
Consumer complaint received 2022-04-15
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. (WI)

I filed a dispute with Experian for a fraudulent account with XXXX XXXX with account number XXXX. The account was investigated and removed. After a few months now, the account has been re-inserted onto my credit report again fraudulently without the proper 5-day notice which carries a {$1000.00} fine per violation. I attempted to call the Experian fraud department and the guy on the phone kept deflecting the fact that Experian was breaking the law with the re-insertion. HE kept trying to get me to refile the dispute under fraud. There is no need to investigate further with a company that i don't owe and also had been removed prior and the credit bureau has blatantly violated the FCRA and seemingly doesn't care that they do it.
Consumer complaint received 2020-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rubin Lublin, LLC (GA)

For the past several days XXXX XXXX is listing property with my street address as scheduled for a foreclosure sale in XX/XX/2020 on its web-site at : XXXX XXXX XXXX I do not owe XXXX XXXX any money, it has not sent me any written communication regarding its attempts to collect an alleged debt from me, and no alleged creditor has contacted me regarding XXXX XXXX having any right to collect any alleged debt from me.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (TX)

I was with Chime from XXXX. They just closed my account in XXXX of XXXX without any warning or reason. When asked why I never got a clear explanation. In XXXX of XXXX I was issued several refunds by XXXX because they closed down their XXXX project. I was issued various refunds. The portion of my refund that went to Chime was XXXX. 
Well my account with them had been closed so I figured the refund would bounce back to XXXX then I can receive it updated. But the money never left. I was confused because my account was closed according to them yet my refund was in my account with them. So I sent them ID SOCIAL SECURITY CARD and even sent them pictures of me holding a piece of paper identifying myself. 
Practically XXXX phone calls and XXXX emails later I still have yet to receive my refund. They would escalate my calls but it was almost like I was being scammed. 
I'm also receiving reports on my credit that penalize me for a Chime credit account I haven't had nor used in nearly 3 years. 
I have plenty of documentation to back up my claims. Chime never refunded money sent to an account they allegedly closed. I'm still getting negative points on my credit score because I'm somehow still enrolled in their credit card program. 
The customer service is terrible when you call. I had to constantly use old addresses and phone numbers to get access ... .. they updated my information. After over XXXX calls made and the same result I eventually tried to move on from it because it was frustrating and made me feel powerless to not be able to get the situation sorted. 
But I don't understand how my account with them is closed yet there is still activity.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (LA)

XXXX XXXX XXXX XXXX Security finance XXXX XXXXXXXX XXXX XXXX balance is XXXX incorrect information. XXXX XXXX has a XXXX balance but incorrect information. XXXX XXXXXXXX XXXX balance with incorrect informationXXXX XXXX XXXX XXXXXXXX have no ideal about this account.
Consumer complaint received 2022-12-19
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. (FL)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (CT)

My credit report shows that I have a credit card with TD Bank NA that was opened in XX/XX/year>. I did not open one. I contacted TD Bank last year when I first learned about this and was given the impression this account was closed. My credit report still shows it as active ( although no transactions ). I called TD Bank NA, they say they can not see any account with my social security number and suggested I file a dispute with the credit bureaus, which I had already done. I just received an update from XXXX that the information is accurate and the account is open! I don't know what I need to do close this account and save my identity. I seem to have got nowhere in spite of these efforts. 
I entered the billing address for this credit card as mine as it was a required field on this CFPB form, but since I do not have the credit card and was not given the account number, I do not know the actual address this card was sent to.
Consumer complaint received 2024-04-02
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX, I bought a XXXXXXXX XXXX from XXXX XXXX XXXX It is located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I opened up a Best Buy credit card/ because wife deferred interests rate only if paid off in 6 months. The amount was {$1800.00}. I never sign anything at the store agreeing to paying interests rates. The store did not have in computer stock and it could be pick up on XXXX XXXX. It still was not in stock on XX/XX/XXXX, it was a confusing situation. The order for that computer was cancelled and another order was placed, same price of XXXX and without signing for an agreement rate acknowledgement. I paid my first payment of XX/XX/XXXX of {$500.00}. On XX/XX/XXXX, I paid {$400.00}. On XX/XX/XXXX I did have a charge of {$240.00} for home service. I made an online payment on XX/XX/XXXX for {$300.00}. After that I received a strange email from accounting services that I had exceed my credit limit. I called the accounting department and didn't get an understanding of why this email was send to me but was given an explanation of interests rates that was applied to my XXXX payment. Out of the XXXX payment which was not late, {$45.00} was to be applied as minimum payment up from {$30.00} and XXXX was taken out my payment for interest. Sorry that I didn't '' t get his name I tried to explain the terms that I agreed to and I never sign up for these interest rates. Twice I was told that a letter would be send to with corrections and haven't received yet.The card is issued by Citibank.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

The reason why I am filing this is complaint is out of concern because the Bank of America Claim Dispute automated service would not allow me to upload all of my evidence and tell the full story regarding why I filed the Bank Of America Claim dispute ending in XXXX. Below is the full story behind Bank of America Claim dispute ending in XXXX. 

The nature of my latest complaint against XXXX is that on XX/XX/2022, I purchased a Deep Tissue Message Gun ( Exhibit B ). The product started working well until a week ago. First, the message gun motor started smoking with felt a slight sting that burned my left thigh. The best way to describe the burn is when frying food in the skillet and the occasional pops from the grease sting your face. Please note, the motor was not at full speed when the incident occurred. 

Secondly, After the message gun started smoking. I contacted XXXX customer service via chat on XX/XX/2022 ( Exhibit C ). I spoke XXXX Customer Service Rep, XXXX via chat. XXXX advised me to contact the seller. I did as instructed. The seller XXXX XXXX, never contacted me about honoring the warranty ( Exhibit D ). On XX/XX/2022, I contacted XXXX customer services via chat. I spoke with XXXX customer service rep, XXXX ( Exhibit D ), I informed XXXX that XXXX XXXX, the third party seller who sold me the Message Gun never replied to my message about honoring the warranty. It's been a week and I still have not heard from the seller nor from an XXXX Escalation specialist. 

Thirdly, It is worth noting that the seller XXXX page discontinued seller the message gun that I ordered from them ( Exhibit D ). And they switched their name from XXXX XXXX to XXXX XXXX XXXX ( Highlighted in Yellow in Exhibit D ). I Finally, I suspsect that XXXX and its third party seller sold me a counterfeit product by a third party seller based based in a foreign country. I have tried every remedy with XXXX to resolve this but XXXX and its third party seller refused. It is also worth noting as you are reading this that I have contact the Washington State Attorney General Office ( Where XXXX Headquarters are located ), United States Federal Trade Commission and the United States Customs Counterfeit Fraud division.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX XXXX XX/XX/1991 XXXX XXXX, Transunion, XXXX To whom it may concern XXXX XXXX XXXX XXXX XXXX Is reporting on my credit report and it is not my card or in my name card holder name is XXXX XXXX XXXX which i am not. Please remove this account from my credit report. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX 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.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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
Consumer complaint received 2019-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I have been paying my student loans since approximately XXXX. In XXXX I began working for a public institution of higher education in Texas. In XXXX I contacted my loan servicer, Nelnet, to inquire about what options I had regarding the public service loan forgiveness program. The individual I spoke with informed me that I would be paying " way more '' if I moved to pursue that. Trusting the advice I was given was my biggest mistake. After checking recently I learned that non of the payments I have been making since XXXX have counted or would be considered as qualifying payments under PSLF. In addition to this I also learned that my payment would not have been significantly higher if I had changed my loans over to a qualifying loan type as I was already on an IBR plan. 

After all of the negative news regarding loan servicers I felt it necessary to voice my concerns and disappointment with the entity that was entrusted to help me manage my loans. They are clearly not looking out for the consumers best interest. I am currently in a situation where I have lost XXXX years of qualifying payments toward PSLF and must begin new. As an American seeking financial freedom, like so many others, Nelnet is an assailant to my efforts. 

I have no recourse and the federal government will not protect me or you. The benefit of having such programs goes unrealized when the very entities who are to assist in facilitating it are purposefully misleading you and withholding information. The department of education has failed, yet again. The federal student aid office enforces nothing and loan servicers are free to " steal '' money from borrowers. XXXX XXXX XXXX is just a smoke screen, a slight of hand to keep borrowers confused and clinging to the possibility. The only truth we know is that you are on your own and no one will help you. Be vigilant.
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MD)

On XX/XX/2022, a payment of XXXX USD was sent to a closed account. PNC has since, refused to reverse the payment, sent the incorrect amount to an incorrect address, refuses to contact about the situation in any manner that would give me record of the conversation. PNC refuses to communicate over phone call, and is not accepting any phone calls with recording. I do not consent to one party recording, and the illegal actions PNC is constantly trying to pull is extremely concerning. It has been over 2 months with all signs pointing to PNC ignoring this situation. They blatantly stole money
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I have tried to use my FCRA rights with all three credit bureaus ( XXXX, XXXX and Equifax ) by requesting the exact same, sent at the same time. Issue was, nothing was done. Monitoring this platform, ensuring we just do this right and be done. 

My name is XXXX XXXX XXXX, I have requested all the credit bureaus to make multiple changes between CFPB, XXXX, XXXX and anyone else 's that would listen I want AGAIN after I sent letters XXXX months ago no response three credit bureaus. 

Please, all I want is my credit and financial FICA/FICO 's rev-elevated, ensure all three bureaue 's have the same personnal information as I expressed to each of them, one name : XXXX XXXX XXXX, XXXX XXXX XXXX ( same ). Job, ( same ) I worked 30 years, I sacrificed all of those years with being a police officer, ( 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 I deserve them to get my credit correct!