davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
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. (AL)

I was trying to cosign for my cousinhicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX  XXXX {$1700.00} XXXX {$17000.00} XXXX {$260.00} XXXX  XXXX {$3300.00}
Consumer complaint received 2018-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

I, as well as my family, XXXX family, bank with Chase Manhattan. Chase Manhattan has engaged in attempted assault and grand larceny as well as elder abuse. We want to move our money to XXXX  XXXX XXXX or XXXX XXXX XXXX. Chase has blocked access to a {$2000.00} bank transfer and deprived us of banking services. Chase from the XXXX Branch, XXXX XXXX XXXX, XXXX, NY XXXX. This branch has engaged in repetitive grand larceny issues, closing bank accounts illegally. They also cancel bank transfers and refuse to give us access to our own money. This branch also refused to investigate a forged check related to third party access from XXXX XXXX and other third parties. They also remove names illegally from assets and bank accounts.
Consumer complaint received 2020-07-31
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. (AL)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I used Venmo to have my brother send me XXXX XXXX Venmo could not verify my identity and froze my account stealing my money. I believe this was done with malicious intent. I provided my state issued valid drivers license, they refuse to acknowledge this.
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting act the creditors below, 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 an account without my written instructions. 

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Consumer complaint received 2020-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (FL)

Thank you for taking my complaint. Have exhausted every effort to resolve this issue between XXXX XXXX XXXX and PayPal, neither of which has a financial interest in its resolution. I do not believe that XXXX XXXX XXXX is at fault, but neither have they tried to contact PayPal on my behalf. PayPal has been non-responsive except for their email yesterday denying receipt of the check. 

Summary : On XX/XX/2020, I sent a XXXX XXXX  XXXX ACH check no. XXXX for {$300.00} to PayPal Add Money PayPal received the check and deposited it in an account that was not mine in XX/XX/XXXX, exact date not indicated. 

XX/XX/XXXX XXXX XXXX debited my checking account for {$300.00} on XX/XX/2020 I have tried to resolve this with PayPal online customer service to no avail. XX/XX/XXXX XXXX XXXX tried, buy can not help, according to their BillPay and Fraud departments. 

Attachments : 1. Certified Letter to PayPal details of dates and  account numbers, including images of checks and deposit records 2.  Follow up letter to PayPal also including check images 3. Print copy of an email from PayPal saying they did not receive the check. 
4. Thread of messages between me and XXXX XXXX XXXX
Consumer complaint received 2018-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

OnXX/XX/XXXXI received an automated text from my loan servicer, saying that I had missed my payment. I was alarmed because I have my payments on automatic debit from my checking account. My payment comes out on time, every time. So there is no way I would have missed a payment, as the loan servicer, XXXX XXXX, had just taken money out of my account on XX/XX/XXXX 

I immediately called them and asked what was going on. Apparently a representative had entered my account, due to the fact that I'm on the Public Service Forgiveness Program, and messed something up which caused my account to show as being delinquent. I as assured by the customer service rep that this would be fixed and to call back in a week. I called back a week later, and it wasn't fixed. 

Now, I'm getting email alerts that my account is delinquent by 19 days. It's also reflecting on the monthly billing statement and it's showing on the website as well.
Consumer complaint received 2020-12-23
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. (NJ)

XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I had an account with XXXX XXXX XXXX financed by GE Capital in the past. Because financial hardships the account become delinquent and finally was a charged off. On XX/XX/2015 the account was sold to a collection agency named XXXX XXXX and was reported on my credit. The original amount of the debt was {$800.00}. The acocunt was settled for less than the full balance for the amount of {$480.00} with the mentioned collection agency. I was supposed to not have any other financial obligation with the collection agency or original creditor anymore and they agreed to remove the collection account from my credit and they did so. Payment was made on XX/XX/2015. Apparently, GE Capital sold or transferred the XXXX XXXX XXXX  customers to Synchrony Bank but it seems that XXXX XXXX XXXX also transferred an invalid, false and erroneous debt because was paid and settled previously. This is causing me financial and emotional distress because I am tired of calling Synchrony Bank and provided the proof of payment the company always validated that there's no debt and they have no idea why still showing a balance on my credit report. I called the Credit Bureaus and they indicated it is Synchrony Bank responsibility because every time the acocunt has been disputed they respond that the account is accurate, and the balance is real. The negative impact that this agency is causing me is immeasurable. The reporting of false information on my credit is preventing me of continue on with my financial health and for years already has been hurting my score on purpose and under my understanding is prohibited under the Fair Credit Reporting Act to report false and inaccurate information on any consumer credit report.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from Experian claiming that my data has been verified in violation of my rights.
Consumer complaint received 2018-08-08
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. (FL)

I opened this account in XX/XX/XXXX with XXXX XXXX account # XXXX paid on time and closed it in XX/XX/XXXX because I don't need it and don't want to pay member annual fee 's. 
I had tried many times before to close this account and the agents refused to close it offering to not charge the annual fee for several months then after the time passes stat to charge monthly fee 's. as you can clearly see on the attached statements. 
I am being reported to credit reporting agencies as late and the late charges are for the annual membership fee 's and interest on the fee 's??? 
I have not used or activated this account that they are claiming that I have open with them account # XXXX I spoke with Experian filed two disputes but they close the disputes after only 24 hrs and try to sell me services that I don't need or request. I spoke with XXXX XXXX customer Service and they agree to remove the late charges from my credit report however they haven't done so and Experian and the other reporting agencies are showing me late and is damaging my credit..
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, I deposited a check from work for {$5000.00} into my checking/debit card account at Bank of America. All monies were then deposited into my account and posted on my active balance. Two day later on XX/XX/2020, I went my massage place which I have been to before and new issues. However, on this date, I was charged {$5500.00} for a massage that normally would only cost around $ XXXX! Upon, my recipt which showed the accurate amount, I was later charged the edited amount on my Bank of America Balance of {$5500.00}. After calling Bank of America, and being handed over the phone to 3 different bank agents, I was told that there was nothing they could do. I also called the Massage place that charged me the {$5500.00} and they refused to removed the charge and gave an excuse that they did not want to remove the charge because they would lose a 2 % card fee for my transaction! Therefore, I am formally sending out my complaint because both my bank and the merchant are unwilling to rectify the incorrect charge, and in essence, steal over {$5500.00} from me! While this amount does not see like a lot to Bank of America, this is a very large sum of money to me and I actively depend on it for my livelihood especially during the COVID-19 Pandemic! Please if you are able to get either the bank or my merchant to actually fix this fraudulent transaction and theft of my money!
Consumer complaint received 2022-03-07
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. (GA)

Over the last two years, my wife and I have gone through serious financial struggles. We ended up going with a XXXX XXXX XXXX after trying to get help from our creditors to no avail. The XXXX XXXX XXXXy helped us negotiate reasonable payments, stop late fees, and hold interest rates. Before this could happen we were late on bills for a few months. For 1 1/2 years, we made payments to the XXXX XXXX XXXX and they sent the payments on our behalf as part of the program. Now as we are coming out of being in a horrible financial place we are looking at our credit and realizing we are again being unsupported by the credit card companies and now even XXXX, XXXX, and Trans Union. One of the companies that we have struggled with is XXXX 's. We started making payments in XXXX through XXXX XXXX to XXXX. We paid XXXX completely off in XXXX of XXXX. We have sent copies of the canceled checks to XXXX Credit Cards and well as to XXXX, TransUnion, and XXXX. The credit reporting agencies have responded that they believe the reported information to be accurate. How can that be with canceled checks to show payment but XXXX late marks on our credit? On XX/XX/XXXX, we sent another letter to XXXX 's again sending all of the copies of checks, this time noting as they requested exactly what we thought was the error. We have yet to get a response. This is not 30 days ago. We are trying our best to recover from the financial struggles as well as begin the process of recovery. We just can not seem to get help, guidance, or answers for either XXXX 's or the three credit reporting agencies why this can not happen. We made our first dispute on XX/XX/XXXX, online, we followed that up with a letter of dispute to the three credit agencies on XX/XX/XXXX. We received a letter back saying that they did not have sufficient evidence to investigate. It was at this time that we copied all of the canceled checks and mailed them to both XXXX 's and all three agencies. At this time we requested that XXXX 's send us the statements showing we were late that they did not receive payments for these months. We received a response from XXXX 's requesting we send them exactly what we thought was an error. We completed this and sent the copies of the canceled checks once again on XX/XX/XXXX. It is now XX/XX/XXXX and we have still not heard anything. After the third dispute to XXXX, XXXX and Trans Union we were once again told the found the information to be accurate. We don't understand how this is possible.
Consumer complaint received 2019-03-27
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. (NJ)

My Student loans have been forgiven, but they show as in default and my credit score is in the 500 's. I was told my credit score would go up once they were forgiven but they are still showing on my credit report as " delinquent '' or " default '' and I am trying to obtain a mortgage and currently can not because of it.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST HORIZON BANK (FL)

Checked my credit reports recently and there were three fraudulent personal loans taken out in my name and funds were dispersed to a bank account ( First Horizon Bank, headquartered in XXXX TN ) for approximately {$45000.00}. I have the routing and account number the perpetrator is using at HXXXXrizon Bank and it is not mine but they are using my personal information to utilize it.
Consumer complaint received 2021-06-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I reviewed a current copy of my credit report and show mulitple account open on report due to fraud. I completed FTC report and have forwaded report to credit bureaus and have not as of yet receive any updated information on my credit status due to investagation attempts. I have also sent FTC report and identification information my certified mail and show recieved and still no updates. Please review attachment document and remove information from my credit reports.
Consumer complaint received 2020-06-05
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. (AZ)

We have been attempting to enroll in a Covid 19 program for payment assistance since XX/XX/XXXX. 
Here are the notes we have on our end : XX/XX/XXXX XXXX first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XX/XX/XXXX> emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program ( temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that 1st Investors was not reporting any late payments at this time. 
XXXX emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX for an update XX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XX/XX/XXXX> Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XX/XX/XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have recently refinance my mortgage with Bank of America to a loan with XXXX XXXX. What i learned in this process is two things that i believe the banks are taking advantage of the public. These might be limited to BofA as i have only refinanced a loan with bank of America. The below is my findings : 1. I closed my refinance on for example, XX/XX/XXXX and on XX/XX/XXXX agents of both BofA and XXXX met to exchange funds. While during the day my BofA loan was repaid, i still paid a full day of interest to BofA and a full day Interest for my new loan at XXXX. I did not contact anyone regarding this but it does seem unfair that the consumer needs to pay interest to two banks on that date. Maybe i understand this because both banks need to have the funds available during the day but still was unsure if this is fair. Perhaps one of the banks should reimburse the other for the half day of funds use and this burden should not fall on the consumer. While it is only around 40 dollars in my case, across all refinances, this is a large amount of incremental interest earned by the banks. 
2. BofA 's agent received the cash via cashiers check and instead of wiring or depositing the cash overnighted it from XXXX XXXX to their XXXX office for deposit. Thus resulted in me paying an additional day of interest ( an additional day in which i have paid interest to two banks ). What BofA should do is stop charging interest the date that the cash is received by the bank of the banks agents. I contacted the BofA agent and BofA and while they did refund me, i believe this warrants further investigation since if BofA does this for all loans and borrowers are not as observant as me of the period of interest being paid, BofA is collecting additional interest then they should. Perhaps this is just an isolated incident but i am not sure it is. I am a sample size of one.