davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my files 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, remove the noteworthy of the remaining items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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. (CA)

I am pleased to see some improvements on my report and this is still remaining account on my report which is fraudulent and was resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-03-22
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. (MA)

Ive contacted all 3 credit bureaus regarding a 30 day late payment posted on my credit report for my car loan with XXXX for the month of XX/XX/2021. This account was never 30 days late. XXXX investigated and couldnt verify that the info was correct. They removed it. Experian and XXXX both keep stating the info is accurate, but neither will provide the proof of this accuracy or the person they contacted or documents showing it is in fact accurate. I have requested this 3 times. They have not removed it.
Consumer complaint received 2022-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

I was enrolled in a program to pay student loans on XX/XX/22 for XXXX my next payment is not due to XXXX XXXX. After i paid this amount they have been harassing my cosigner my elderly grandma and keep harassing me with all these calls, voicemails. And emails. Then when i call them they like we sorry we see you paid. Then the harassing begin the next day. It is so overwhelming.
Consumer complaint received 2017-06-02
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. (WI)

On  XXXX   XXXX ,  XXXX  ; I ordered  XXXX  pairs of  XXXX  boots online total {$470.00}. After I placed the order I felt uncomfortable and call ed Citi Ba nk to stop the purchase. At that time, I was told I could not and I had to wait. Since I had no other options, I decided to see if the boots would show up. I wait ed 8 we eks for the merchandise and did not receive. So early  XXXX   XXXX   XXXX  ) I cont acted Citi Bank and mailed a dispute to them. I did not retain a copy for my records, big mistake on my part! Time went by and I thought everything was taken care. Citi Bank sent me letter saying they never got a response from me. I contacted them and stated I had mailed all information to  them in  XXXX . At that time, they said they would give me another chance ; so I completed another dispute form detailing everyt hing thing I did. This included multiple attempts trying to contact the company, with no response. I was then told but Citi Bank I had to wait 45 days. In the process of going back and forth with Citi Bank I received numerous different answers of what was being done and what to do. Never the same direction. I was even told, it is fraud when merchandise is not received and we can work around the date. Now Citi Bank has closed the case and charged back the amount of {$470.00} due the the date of the original charge and was told there was nothing further I could do. I am beyond frustrate and disappointed in Citi Bank 's customer  service.
Consumer complaint received 2022-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (PA)

I received a loan through Goodleap for solar panels. The conditions of the loan were to pay a certain amount back with federal tax credits within an 18 month time period. They failed to explain that these tax credits can take years to get therefore making it difficult to pay down the targeted percentage in 18 months. Furthermore the solar panels do not work as promised so now not only am I paying my usual electric bill but Im also paying a large loan each month. Ive tried multiple times to speak with them about both problems with no result.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (NC)

I was a victim of a scam from a company I though I was hired for. I was sent a company check to deposit for expenses in the amount of {$1900.00}. After I deposited the check on XX/XX/22 later that day I recieved a call from the bank with no message. I called back and they told me it was about the check. They said the check was good to disregard the call with no other details. About a week later I received a letter on XX/XX/22 that was dated XX/XX/22 that the account connected to the check I deposited was closed and my account was debited the {$1900.00} plus a {$5.00} return check fee. I called the bank where the check was deposited regarding the letter. I spoke with a bank manager and they told me it was miscommunication and they apologized, but I had already sent out {$1500.00} of the check to a lawyer for expenses for the lease of a new location in my region of NC. If I was notified by the bank on XX/XX/22 that the check was no good I wouldn't have sent the {$1500.00}. My grievance is that why didn't the bank inform me that the check was no good on XX/XX/22 instead of mailing a letter that took a week meanwhile I had already sent the {$1500.00} out. I have corresponding documents if needed.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Chase called me while I was driving my vehicle to my job and asked me if I was trying to purchase something from XXXX in New York for {$500.00}. I told them 'no '. Then Chase asked me if I knew someone named XXXX XXXX. I told them 'no '. Chase told me that they were setting up a restriction on my account and that they would be sending a text. All of this was done while I was on the telephone. Chase said they would send a request to see if the restriction was active and said it was a 'bogus ' request and that I needed to respond 'yes '. After that is when the money was taken from my account in the amount of {$1000.00}. I called Chase fraud and told them what just happened and they said it wasn't them. This happened on a Friday afternoon, XX/XX/2021. 

See attached texts and email XXXX text - from ( XXXX ) XXXX XXXX text - You added XXXX XXXX XXXX text - Chase Fraud XXXX text - Chase Fraud XXXX email - Chase canceled the payment for XXXX XXXX Chase sent emails XXXX XXXX which is my email also. One email stated that account alerts were activated on my Chase mobile app for XXXX. I do not have an XXXX and never have. This was done minutes after the XXXX scam. Another email was sent after the previous one stating, 'We 've canceled your payment to XXXX XXXX XXXX. 

I went into the Chase bank on XX/XX/2021 located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke with two associates about this incident. They informed me to contact the Chase Fraud department. I asked them to cancel the transaction and I was informed that they could not. 

Chase provided a letter stating that 'we discussed and agreed that no action would be taken on this claim '. I did not agree with this resolution. This is the letter that is being sent to several customers disputing XXXX scams.
Consumer complaint received 2022-03-22
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-06-02
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: PAID IN FULL, INC. (FL)

I have disputed this collection account with PIF 3 times and they have been unable to validate the debt. There is no contract or signed contract and have requested this collection account be removed from all  XXXX  of my credit reports,   XXXX   XXXX   XXXX   XXXX  . This collection account is still reporting on my  XXXX  credit report. I also disputed wi th the Credit Bureau (  XXXX  ) to  have this removed because the collection account can not be validated and they still continue to report this collection account on my credit report stating it has been proven valid and it has not.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

Received a call requesting payment for XXXX XXXX. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

Re : Wayfair Credit Card opened with Comenity Bank I opened a Wayfair Credit Card account with Comenity Bank way back in XXXX. On XX/XX/XXXX, we received notification that Wayfair will now be serviced by XXXX instead of Comenity Bank. However, we can still manage our account balances with Comenity Bank. No new charges can be made unless we open a new account with XXXX. I did not do that and instead kept the old account as I was just making payments until the balance was paid off. 

I tried to make a payment yesterday on the Wayfair Comenity website. This payment is due today, XX/XX/XXXX. When I tried to log on, a message showed up stating that the account is closed and I should call customer service ( attached is the screenshot of the page ). I called the number and got a recorded message that gives me instructions to pay online, on the phone or mail it in. However none of the options work. The option for XXXX asks for the new account # which I don't have. This is not the original account number given when I opened the account. The new account number is the one established by XXXX. ( I did not open a new Wayfair account when they switched to XXXX ). I just kept paying the balance on the Comenity account. It also asks for the social security # which the system did not recognize I tried calling the new customer service number and the representative said that they only deal with the Wayfair XXXX accounts. I was on the phone with them for over 1.5 hrs and nobody could give me a phone number to call for the old Wayfair accounts. 
This company charges {$29.00} for any payment made after XXXX on the due date. I am afraid that I will continue to be charged the late fee or worse, reported to the Credit Burea if I don't continue to make payments on the balance. How will I be able to do that when I don't even know where and how to pay? Please advise.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax continues to report tines fraudulent and incorrect information on my credit report. Proof has been sent as I do not owe the amount. Their conduct has been disrespectful, yelling and lying. There are times the collection agency did not respond and it should have went in my fair for the account to be removed.

I was told since the colectio agency identified my name and address nothing else mattered. There are no dates as to the rent the colection agency states I owe. Equifax has acted wrecklessly and violated my rights under the The Fair Credit Reporting Act. ( FCRA ) Proper investigation has not taken place at all. This has been going on for about 6-7 months or longer.
Consumer complaint received 2022-09-26
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. (GA)

I reached out to XXXX, Experian and XXXX XXXX and disputed 33 hard inquiries that are currently on my credit profile. I NEVER authorized any of 31 companies to pull my credit. I only authorized XXXX XXXX and XXXX XXXX to pull my credit. I made it clear to the dealership that I already received a pre approval from XXXX XXXX and XXXX XXXX and although they have higher rates, I have a thin credit profile and I did not want my credit run by multiple companies. There are at least 7 companies that pulled my credit without my permission and show up 3 or more times on the same day. I have repeatedly reached out to all three credit bureaus and made them aware of what happened and they refuse to comply when I insist that they remove the inquiries. I am also disputing XXXX XXXX. XXXX XXXX implies that I owe them {$1700.00} I have never had an account with XXXX XXXX.
Consumer complaint received 2022-09-26
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2019-08-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called Bank of America using the number XXXX XXXX XXXX with my secured credit card number as XXXX to resolve. The Bank of America refused to correct and listen. I told them that I just found out from XXXX report that the Bank of America gave the APR info and it ruins my credit report. The percentage was 17.29 %. The Bank of America said no, it was 25.99 %. I told the Bank of America that when I requested for a SECURED credit card, he did not mention of the APR. Because if I KNEW it was that high, I would not accept their SECURED credit card and would look else. I did not know it was either 25.99 % according to the Bank of America yesterday or 17.29 % according to XXXX report. 

XXXX gave me a score of XXXX and I was happy with it. But as soon as I let XXXX  to look at my another bank which is XXXX XXXX XXXX XXXX XXXX to BOOST my credit score by using my phone bill ( XXXX ) as a way to gain points to prove of my ability to pay on time as I did in the past. However, the XXXX explored further other than utility bills and use the credit card information and punished me and reduced 10 points off. My credit score is now XXXX. I am not happy! The Bank of America never told me about the secured credit card with the APR. Honestly, I would not accept it at all! I am now looking for another bank 's SECURED credit card to help my credit record. As soon as I find one that is low on APR, I will shut account with Bank of America because they ripped me off by charging me every month on maintain fee and never told me about the APR. It is a dirty business. 
I don't know why XXXX has to hurt my credit report. It is MY MONEY I PUT INTO my secured credit card! It was {$8000.00}!! If I leave it in a checking account or saving accounting, it wont help with my credit record at all, so that is why I ordered a SECURED credit card, but it backfired!
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, my brother in law mistakenly filed a fraud claim against a Venmo transaction. After a lot of back and forth Venmo determined I had no choice but to wait until the claim was resolved by my brother in law 's bank which is XXXX XXXX XXXXXXXX. My brother in law WITHDREW the claim. On XXXX XXXX XXXX XXXX sent a notice to my brother in law that the claim had in fact been withdrawn and then they took the money out of his account. This should have cleared up the negative balance on my Venmo account as per the bank, Venmo has received the funds back. Shortly thereafter on XX/XX/XXXX I received a notice from Venmo that this claim had been resolved in my brother in law 's favor, which is not at all accurate. Venmo is double dipping and holding on to other funds of mine all while getting the money back from XXXX XXXX XXXXXXXX. I am attaching the complete paper trail showing that XXXX XXXX XXXXXXXX shows the claim as WITHDRAWN, has reversed the temporary credit and that Venmo is still holding on to my funds. My brother in law has provided me access to all notices in regards to this and I have attached them here. As XXXX XXXX  XXXX has already taken the money and I keep getting nowhere with Venmo, my brother in law and I have called XXXX XXXX XXXXXXXX again today on XX/XX/XXXX and XXXX XXXX XXXXXXXX said the following " XXXX has stated that they have sent the funds to the banking service that Venmo uses. They noted that it can take 30-45 days to go from the bank to the vendor, and are advising to have us or Venmo reach out to their bank to inform them the case is closed. ''
Consumer complaint received 2022-03-22
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (PA)

hi! I have been trying to raise my credit and I have been investigating what affects me, at the beginning I have contacted some collection companies and I have tried to find out what is the origin of these accounts, some I recognize but some do not. With this company, I tried to identify the origin of the account or validate it, but it only sent me a bill to collect. In the end I gave up calling them and making a payment to pay and delete my account, and they still continue to report the account. I have tried to dispute this account with the credit bureaus and it turns out that XXXX and XXXX are reporting PENN CREDIT CORPORATIO XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX but XXXX  is reporting the same account XXXX  XXXX  XXXX the same balance. 
Please help me to clarify this problem. I am trying to buy a house and I have been denied the application for this
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. WESTLAKE FIN XXXX.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the XXXX XXXX. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}