davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These Inquires were falsely advertised as soft inquires and was not given consent to conduct hard pull
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (AR)

I received a letter from a third party debt collector, XXXX XXXX XXXX XXXX in XXXX, NY claiming they were trying to collect a {$2000.00} debt I owe to PayPal , Inc . 

I use my PayPal regularly and neither my regular PayPal nor my PayPal credit account show any balance owed or past due.

The letter claims that PayPal will accept {$1500.00} as partial payment if I cough up the money quickly. I have reported this to PayPal 's security team as well. 

XXXX XXXX
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

Some hacked my Coinbase account. They stole almost all my assets and transferred XXXX $ out of my bank. There is also a pending {$1000.00} transaction that Coinbase says they are going to sell my assets to pay for that XXXX . Coinbase had done nothing to fix these problems. I feel like Coinbase is a scam in it self to steel my money!
Consumer complaint received 2021-09-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I called Navient on XXXX XX/XX/2021 to speak with them about a reduced payment for my private student XXXX loans. I am currently out of work except for XXXX XXXX work due to COVID. I have a XXXX  and an XXXX, so finding a full-time position is not easy. Companies are actively discriminating against older, experienced workers with high levels of education - and especially those, like me, with what are called " XXXX ''. 

I offered to pay Navient {$200.00} a month on my loans, but after speaking with several layers of supervisors they would not allow to me to pay {$200.00} ( until I find new employment ) and insisted that I sign forms to commit to paying {$440.00} each month for 6 months. 

Since I do not know when I will be able to find gainful employment, committing to such a payment right now may make me homeless. I do not have the resources to commit to that level of payment until I find a new position. 

Throughout the pandemic, Navient has been a complete pain while accruing high interest and insisting that I pay fees when I sign up for forbearance. Navient is a criminal evil company. 

For this complaint I am looking for the following actions : 1. I want Navient to stop torturing US citizens with their financial terms nonsense, especially during a pandemic when millions of Americans have lost jobs and when employee rights are being violated.

2. I want Navient to be forced to accept whatever payments I can afford until my employment situation stabilizes.

3. I want Navient removed from being able to offer student loans to US students. Navient is a criminal enterprise that has no empathy for people with XXXX or hardships.
Consumer complaint received 2021-09-27
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. (VA)

I have a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXX XXXX  and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called XXXX and Experian several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has XXXX missed payments XXXX has 10 missed payments XXXX XXXX has XXXX late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX US Bankruptcy Court
Consumer complaint received 2022-11-27
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. (IL)

XXXX XXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} XXXX XXXX {$500.00}
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diaz & Associates, Inc. (TX)

Received a letter from Diaz & Associates XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX and it looks to be a complete scam. They sent a letter saying I owe {$1400.00} on a credit card account that was opened in XXXX and settled in XXXX with the original creditor. They tell me they'll settle for {$510.00} if I pay by XX/XX/XXXX. Not only is this a complete scam, this is 15 years past the statute of limitations. It's predatory. It's not a debt owed at all because it was already paid almost 15 years ago. Y'all have to to go after and put a stop to this type of stuff. Several people are posting online they've experience the same thing from this company. I don't even know if they're real. Who really does?
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA (NY)

I called in to inquiry about purchasing a vehicle with a consumer credit transaction. I was told to submit an application online to start the process which I did. I was also told that I needed to either get a co signer to go on paper with me or I had to give a third of the purchase price down payment in order to purchase the car. I was also told I am not the original creditor and I can not extend credit to purchase a vehicle.
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MN)

Hello, I'm filling this complaint against Western Union. On XX/XX/2021 I received two confirmation emails from Western Union that my online transfers were successful. I was shocked and flabbergasted since I did not authorize any such transactions. There were specifically two transactions : one transaction for {$990.00} and another transaction for {$650.00} totaling {$1600.00}. The transactions were sent within minutes from each other and sent to the same person and location in XXXX, XXXX XXXX. I promptly called Western Union to inform that I never initiated the transactions. I was informed by Western Union that since the money had already been picked up there was nothing they could do. They simply gave me some useless reference number from Western Union and advised me to contact local law enforcement. In essence Western Union through neglect, complicity or poor oversight transferred {$1600.00} from my checking account at XXXX XXXX to unknown parties in XXXX. I demanded that they refund me my money and they refused to do so and kept telling me that they were not a bank and are simply a money transfer service and that therefore they were not responsible for these kinds of issues especially when the money was already picked up. I find this totally unacceptable and dishonest. How can Western Union illegally transfer money from my account to criminals or maybe their own employees and claim immunity from this? Although I was refunded through my bank ( XXXX XXXX ) I still feel obligated to denounce these types of dishonest, abusive and criminal business tactics. Please do everything you can to investigate this matter. It looks like Western Union has been conducting these types of disgraceful activities for too long and they need to be held accountable for their actions. Thank you.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Havent seen my credit since XXXX of XXXX I call the bureaus trans union XXXX and XXXX and nothing is reporting.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (MD)

This account is not mine. I have asked the reporting collection agency numerous times top validate this debt and they are unable to do so, however they keep reporting it to the credit bureaus.The account was previously removed from my file because they could not validate that this debt was mine, however to continue to randomly add to my file at their convenience with blatant disregard for the Fair Credit reporting act. In addition, on my most recent credit report, they are now reporting incorrect dates. Originally the alleged delinquency was XXXX, then now it says XXXX. Phoenix Financial Services has no regard for the consumer. They are involved in unscrupulous business practices. They have made no effort to try and resolve this matter.They have blatant disregard for my request for validation of this debt. The account was fraudulently acquired years ago, and does not belong to me. They have failed to provide me with any proof whatsoever to substantiate their claim. I requested to see the application, the proof of identity that was provided at the time of the application and the original signature on the application and they can not provide that information.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I ordered two hairpieces from a XXXX distributor advertising on XXXX. 
The photos and ads were economically appealing since I suffer from XXXX, I placed the order and when they arrived I was horrified. The hair was literally fall out of these two hairpiece units. 
I can't run a brush through the wigs without clumps of hair coming out. 
After many emails they finally agreed for me to return. Return fee is XXXX USD via USPS, those wigs are not worth returning them. 
I called Citigroup the financial establishment that the charge was made to on my credit card, they credited the amount back to my account and in a couple of days they denied the credit and paid the seller. They are terrible quality and I would not even donate them to the XXXX XXXX. They since disappeared from XXXX and may be going under a different name. I don't beleive that Citigroup even attempted to investigate the dispute in a thorough or professional manner. 
It is a small fee but it was clearly a scam and thanks to the bank they were able to keep my money. Yes definetly publish this, I know others were probably scammed also. 
I assumed banks protected the consumers.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX 2022, I purchased {$100.00} worth of prepaid self-serve XXXX XXXX, to be used at self-service laundry machines and dryers. After using a laundry machine, I discovered that there was significant mildew in the laundry machine. I believe this to be grossly unsanitary and unsafe, and am extremely uncomfortable using this business ' laundry machines again. I requested a dispute with Chase on the same day after the owner rejected my requests for a refund. 

I have also seen online reviews complaining about the mildew, dating back to over a year ago. The owner responded sarcastically, without addressing the issue nor offering to resolve it. This leads me to believe that this is a persistent issue at this establishment that has never been resolved. 

My images of the mildew and the review are attached. 

Around early XXXX, I received a call from a Chase investigator. He asked me simple questions, and stated that " the mildew does not help nor hurt my case ''. I found this a very concerning statement, as mildew in laundry is clearly a health hazard. 

On XXXX XXXX, I discovered that I lost the dispute. I called the dispute department at Chase on XXXX XXXX, and I was told that I lost the dispute because " prepaid services and gift cards '' were not disputable. There was no effort on the part of Chase to investigate the conditions of the laundromat, nor was there an option to reopen the dispute. I was told to take it up with the laundromat, whose owner is denying me any refund and belittling my concerns. I have purchased something with poor quality that is clearly a health hazard, and Chase has not offered me any protection as a consumer.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (AL)

The original creditor Santander Consumer USA referred me to their collection company called XXXX XXXX XXXX and I informed them the account was never set up in my name nor had I any acknowledgment of this vehicle loan as a co signer or owner period. I asked them to have this removed from my credit report due to the fraudulent information the company stated they would however my credit score reflects that the company has not removed the account.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (TN)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & today XX/XX/2021. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I ordered a purse from saks.com ( Saks Fifth Avenue ) and paid for it with my Saks store credit card issued by Capital XXXX. It was order # XXXX. The total purchase was {$390.00}. The purse arrived two days later and I immediately decided to return it- it was not quite what I had expected. I returned it exactly according to Saks procedure, and my account indicated several days later that the return had been received. To date, despite many, many, many phone calls and emails to both Saks and Capital One, I have not been issued a credit. I have received verbal and written apologies for the delay and assurances that the credit would be posted, but there is still no credit. Since the beginning of the pandemic, this is not the first time that I have experienced unreasonable delays in receiving credit from Saks for items purchased on line and then returned. It seems they are trying very hard to hold onto my money as long as possible, but two months and two billing cycles is inexcusable. And I STILL do not have my credit. Anything you can do to help me would be deeply appreciated. And if you choose to publish this information, I would certainly be OK with that because Saks needs to know that customers find this practice completely and utterly unacceptable and unethical. I am attaching a copy of an email from Saks on XX/XX/XXXX indicating that they are sorry for the delay and that a credit would be posted. I received my newest statement from Capital One on XX/XX/XXXX. There was no credit. I called Capital One and they said to wait a week to see if the credit would be posted. It has now been ten more days, still no credit. Meanwhile, I am making only minimum payments on this card because I truly do NOT owe anything to Saks. So now I am incurring interest on the amount due, which I think Saks should reimburse me for as well.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (DE)

I have a loan with BRIDGECREST. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2023-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

A third party credit card debt collector is charging me due to a credit card that was not approved by me, my social security card was lost a long time ago and I never got the chance to report my social security card since I know it by memory and now they are telling me to pay off the debt which I never knew about it. The amount they want me to pay is {$500.00} from a credit card company.
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (SC)

Early 2020 - fraud charges XX/XX/2020 - Fraud reported within 60 days per the law XX/XX/XXXX - Determined no error occured XXXX - requested complete copy of investigation - was sent nothing except a blank " affadavit of fraud '' This was returned XX/XX/XXXX - told the account was charge off and charges a fee XXXX - threatened to report me to credit bureaus SunTrust is the most corrupt organization I have ever encountered
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Webster bank is insinuating I went into bank when I was in XXXX. I showed proof and they threatened me. I got a legal aid attorney and I filed 500 ftc reports. they are illegal and uncaring crooked bank. they want to blame somebody. thus is not my loan I sent letters from my XXXX and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NJ)

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY. 

MY PREFERRED RESOLUTION WOULD BE TO HAVE THIS ACCOUNT IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

THANK YOU.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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 XXXXXX/XX/XXXX