davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AZ)

My loan was forgiven for XXXX XXXX  XXXX XXXX through XXXX on XX/XX/2019. When I called Navient for status around XX/XX/2019 they stated that it would take 60 days to review and post forgiveness to my account. A customer service representative stated that people mess up and the payments resume. This is why it still shows that I owe. They also stated that they would expedite this for review and check back within 60 days. I spoke with someone at Navient on XX/XX/2019 and had to be transferred to three different supervisors. The first supervisor said they just sent all the information over to Navients internal claims team on XX/XX/2019 and it would take another 60 days. When I asked about the {$3000.00} more interest tacked on the first supervisor could not answer. She also stated that they were waiting for a response from the guarantor because the interest was different and didn't match. I asked to speak with someone who could take care of this and was transferred. This person stated that they originally got everything that they needed for and my application was approved. When Navient sent everything over the individual working on the claim did not include everything needed for the internal team to review. She advised the information sent on XX/XX/2019 contained all the information. She also stated that she would look into why it wasn't completed right the first time and send a letter to follow up. This was Navients fault that their internal staff did not do their job. Navients staff gave conflicting information and failed to update my current address information to receive any correspondence.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.
Consumer complaint received 2019-09-25
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. (CA)

I filed a dispute with Equifax on XX/XX/XXXX, and this was for XXXX XXXX XXXX there was a balance and was sold to another collection agancy XXXX XXXX, I cleared XXXX XXXX XXXX payment and they told all 3 credit bureau to delete the record from my Credit report, all 3 beaureau did delete including Equifax, but only Equifax is showing one month deliquency of XXXX XXXX XXXX opened in XXXX in making payment XX/XX/XXXX, the payment to the XXXX XXXX  was paid in XX/XX/XXXX, so XXXX   XXXX XXXX is a closed account when sold to XXXX XXXX, XXXX and XXXX have deleted XXXX  XXXX data from my credit report anf history and nothing showing a deliquency, I also called XXXX XXXX XXXX to inform the beareau, they sent a letter to all 3 beaureu to delete the record that was way back from XXXX, only Equifax is not heeding to the letter from XXXX XXXX sent to them and deleting it, it ; s discrepancy, I have evidence from XXXX XXXX the letter and audit number sent to Equifax, also XXXX XXXX payment made, and not being shown in other beaureu report but only Rquifax as deliquient since XX/XX/XXXX, Please contact Equifax for fair reporting and delete the deliquency that is never delequient as mentioned by the bank as well, Equifax dispute confirmation number is XXXX dated XX/XX/XXXX, this is my second time disputing it, my credit score they dropped by 45 points on XXXX XXXX during this dispute, thay asked me to send another document with another dispute which I am not disputuing but only for send the doc as attachment, conf numberXXXX XX/XX/XXXX ( not disputing but for sending document as attachment for previous dispute XXXX as told by Equifax customer service over the phone ) ( I also currently have XXXX XXXX XXXX credit card nelwy opened since XX/XX/XXXX and being paid every month without any dues ) Equifax also placed FRAUD ALERT withour my consent, " You have an extended fraud alert in place until XX/XX/XXXX. '' Thay are giving me lots of trouble asking me to send lots of personal documents and even police verification, I NEVER AUTHORIZED FRAUD ALERT, XXXX and XXXX never placed any ALERT on my Credit file. 
Thanks XXXX XXXX
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX keeps putting a XXXX account on my credit report, XXXX, that is not mine. 
XXXX takes it off and it re-reports. 

This XXXX account has been sold and re-reported three times in the past 14 months. 

My social and name is not associated with this account and the address they use to report it is not mine either.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

XX/XX/2019 I needed a refund from a store that could only refund via CC. The prepaid card I purchased and have the refund on is called Bluebird, backed by American Express, then involved with a third party called SERV. The temporary card receive a refund for {$110.00} in the first week of XXXX, which Bluebird themselves told me. However, there was an error on their website which is supposed to link the temporary Bluebird card, to the new card sent in the mail. I called Bluebird to make sure everything went thru correctly, and was informed that my registration and activation were both completed properly, the cards were linked, and I wouldn't need the temporary card anymore because as soon I activate the new card, the funds would automatically transfer. Over a month later, they have my money on the temporary card, it never transferred to the new card. However they know it's there, it's on my registered account with all of my personal information including social security number, yet they have repeated refused to offer any resolution because of a technical problem that did not link the cards. So they have my money, can not transfer it, can not mail me a check and basically charged me {$5.00} to steal more than 9 hours of my life pursuing payment of what is rightfully mine. XXXX XXXX, the issuer of the refund, also has record of this transaction. I have spoken to 3 different FOREIGN customer service SUPERVISORS, over 12 " Customer Care '' representatives, including some with American Express, only to be lied to and at best led to believe they acually cared about my stolen money. NEXT CALL I MAKE IS TO MY ATTORNEY!
Consumer complaint received 2022-03-14
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. (GA)

I have various inquiries on my credit report transunion and XXXX as well as false personal information that Ive tried to have removed because I did not allow it nor did I apply for it
Consumer complaint received 2019-10-02
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. (GA)

I'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX XXXX. DPT EDXXXX.
Consumer complaint received 2019-09-25
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. (TX)

XXXX To whom it may concern : I would like to file a complaint against Equifax credit reporting agency. For years this credit reporting agency has intentionally continued to report inaccuracies to my credit file. 

Equifax has continued to report fraudulent false information onto my credit file, and they have refused to make the accurate deletions, and corrections to my file. 

I am enclosing a copy of a letter that I just received from XXXX XXXX ; this letter is dated XX/XX/2019, and XXXX is claiming that I have a delinquent or derogatory Real Estate Secured loan on my Equifax credit report. 
XXXX XXXX has claimed that Equifax has provided this information to them. 

I have one mortgage loan on my credit file, which is with XXXX XXXX, and for years I have disputed the fraudulent false information that Equifax insists on maintaining onto my credit file. 

Equifax credit reporting has continued to falsely and fraudulently report onto my credit file, that I have been late many, many, many times on my mortgage payments with XXXX XXXX. 
For years they have reported all sorts of fraudulent late payments all over my credit file with this mortgage loan. 

For many years now, Equifax has reported all sorts of fraudulent false status information regarding my XXXX XXXX. 

And for years whenever I have disputed the false, fraudulent information, between the Mortgage Company and Equifax, they have both done all sorts of deceitful fraudulent acts with my loan. 

I have never been late with any payments to XXXX XXXX, what Equifax is reporting is untrue false information ; I have had all sorts of issues with inaccuracies from them, as well as the mortgage company.
Consumer complaint received 2019-09-25
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. (DC)

XXXX is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, XXXX XXXX still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life
Consumer complaint received 2019-09-25
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. (DC)

XXXX is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, XXXX XXXX still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I had my credit reports pulled by my realtor and was told I had some medical debts that needed to be taken care of. My family and I have lots of great medical coverage and have never received any bills. I began to dig into the accounts and the company CMRE has never been able to link the debt to either me or my husband. Please help me get this resolved so we can purchase a home for our family. This mishap has caused lots of undue stress and discomfort for my entire family. Where we live is no longer safe and we must get out daughters  into a safer neighborhood. This has been more stressful than necessary as we have no outstanding medical bills at all.
Consumer complaint received 2019-10-02
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. (GA)

I'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX XXXXXXXX. DPT EDXXXX.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Hello - I was solicited by american express multiple times over email and through " pop-up banners '' on my account to upgrade my account to a " Blue Cash Preferred '' from my " Blue Cash '' card. The Blue Cash Preferred has a {$95.00} annual fee, but my Blue Cash card had no annual fee. The offer I received said that if I spent {$2000.00} in three months, I would receive {$250.00}. This {$250.00} would allow me to offset the {$95.00} annual fee. I applied for the card on the website - this offer only appeared when I was logged in under my account. Furthermore, proof that this was an " upgrade offer '' and not a new account welcome bonus was that my account number stayed the same. At no time did I receive a new account. After I had spent the required {$2000.00} and after a month after my statement closed, I contacted American Express to find out why the offer was not fulfilled as I had held up my end of the bargain. They said that I did not have an offer on my account, they accused me of doing the offer wrong. But if I did the offer wrong, then why did they keep my account number the same? I followed all of the directions and met the spending requirements within the timeline. This is a clear bait and switch. They offered me an incentive to get a card with a high annual fee and then did not follow through and give me the reward as promised. Now I have a card with an annual fee and no rewards to show for this. It is extremely unprofessional and I hope others do not have the same trouble that I do as if I had known, I would not have accepted a fraudulent, bogus, fake, upgrade offer. Individuals use other cards and not allow American Express to profit off lies.
Consumer complaint received 2019-09-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: American Credit Acceptance, LLC (PA)

Hi, Credit Acceptance in In XX/XX/2019 The company a Reprocessmy car and I Paid the company online 2 weeks before I did not call them back because they harassed me and went therefore say you have to pay and I was explaining my situation When I didn't call them to make more payment arrangements so did decided to take the
Consumer complaint received 2019-09-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Delta Management Associates, Inc. (HI)

In XX/XX/XXXX I received a letter from Delta Management threatening to proceed with wage garnishment. I was asked to submit documents regarding my dispute. I sent this document immediately back to them, although they purposely sent it to me days before the deadline. I never received anything in writing regarding the outcome of my dispute.

In XX/XX/XXXX I received another let from Delta Management regarding the debt. The information that they sent to me by them regarding this debt is dated in the years XXXX, XXXX, XXXX, and XXXX. I believe that this loan was brought several times by different debt collection agencies over the years and after reviewing these documents, I know they are fraudulent. There is no school signature on the documents. They also claimed I made a payment on the debt in XXXX  ; I lived out of the country and never paid anything towards the debt. My income tax return has been taken from me year after year and I have not been able to get this off of my credit. 

I have tried several times over the years to have this removed with no luck. I will be seeking an attorney if this is not resolved after this attempt.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

My son did five transactions through USAA using XXXX. I am a secondary owner on the account. We contacted USAA and where usually, they would provide a provisional credit while they investigate ; only two days later they replied that there was nothing they could do. They claimed they contacted the XXXX network and the scammer 's bank. The amounts totaled over {$1600.00} which is a lot of money for an XXXX old to lose. I understand that other banks have been able to retrieve funds back for being scammed. I am reporting my frustration that USAA is not willing to help retrieve the lost funds.
Consumer complaint received 2019-10-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services (GA)

I graduated college in 1996. I have been paying on my loan since then but when I ask for back loan history of payments no one can provide me with this information. 
At graduation I owed XXXX. Its now 20 years later and I owe XXXX. How is this possible? I have paid off two cars and a house in this time frame. Every avenue I go down is a dead end of government XXXX. I know I have been paying on this loan b/c it comes out of my checking account automatically. 
I would like to know how I can see my entire loan payment history starting from 1996.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I originally secured a line of credit via Synchrony Financial for XXXX XXXX XXXX. I paid the original purchase in full, on time, and early ( prior to the 12 months interest free period ). I made a second purchase on the same credit card, again paying it on time and in full. I maintained a XXXX balance and they even increased my credit limit from XXXX to XXXX. 
I was sent a letter on XX/XX/2019 stating that Synchrony had decided to close my account. They listed reasons for closing the account that were unrelated to my history with their company. Additionally, my credit score was higher at the time they closed my credit line than it was when they originally offered me credit. 
Not only do I fail to find justification in their decision, but their closing my credit line actually hurt my credit score by lowering it by several points. This causes me financial harm and impedes my ability to obtain other credit. 
I wanted to make a formal complaint because I feel that the decision was made in error and causes me undue prejudice and harm.
Consumer complaint received 2019-09-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On my credit report under a hard inquiry is a word ... its XXXX and nothing else. When instructed to contact the creditor, underneath says Capital one auto finance, says the inquiry was made XX/XX/XXXX and THATS absolutely false. I was also notified that XXXX had a massive leak of information and that my password was involved.. theres been two data breaches where my information has been involved. I dont know how this inquiry happened but I didnt make it and its gon na stay on my credit report until XXXX of XXXX so Id really like it taken off..
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

Today on XX/XX/XXXX, I received a phone call from IC System stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XXXX XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to XXXX XXXX and I called to verify with them and it was indeed paid. I feel like this may be a scam.
Consumer complaint received 2019-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

I have roughly {$1700.00} in my PayPal account balance. Since XX/XX/XXXX, I have been unable to withdraw money to my bank account, send the money to friends or family, or purchase any goods or services with the money. 

I have spoken with 4 different PayPal representatives on the phone on XX/XX/XXXX for 2 hours. Some restrictions have been lifted on my account. However, I am still unable to send my money to my bank account, send it to friends or family, or to purchase any goods or services with the money. 

I was repeatedly told that the system identified my account as " suspicious '' even though I have used that PayPal account for years and had fully verified my phone number, my SSN, my passport and my driver 's license, all of which extensively proved my identity. PayPal support refused to provide any answer on if or when I will be able to access my funds again. 

I am completely unable to use my PayPal balance in any capacity and PayPal support refuses to assist me in resolving this issue.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

Chime closed my savings account without notice. 

I reached out to their support team and the support phone numbers and was met with no help. I was given no reason for the account closure and no options to recover. My funds were locked and unable to complete pre-arranged payments even affecting my mortgage. 

When I mentioned I was left in a dire situation and my XXXX XXXX was affected because of distress, the customer support did not offer any help. 

I still do not know why my account was closed.