davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
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: EQUIFAX, INC. (MN)

I got fired from a job that I was working for because of information that came back from a consumer reporting agency. I don't have any felonies on my criminal background so I don't know what is on there. I checked my Equifax report and there is much incorrect information ranging from auto loans, mortgage loans and personal loans. When I try to dispute this information online they give me a choice of business to choose from when they say around a specific time a auto loan or mortgage loan was put in my name. I have no idea who the company is and I choose none of above. After doing this the online system rejects my identity and I can't make a online dispute. But I'm telling the truth when I see I don't know any of these businesses that I'm suppose to have been given these loan. I don't know how they continue to keep this information on my record and I can't dispute it. I had a decent job and I'm very upset to have been fired and now receive no income. I was also provide a credit monitoring service from the IRS after they said that I had been a victim of identity theft and someone had gotten refund checks in the amount of {$4400.00} from the years of XXXX-XXXX.These people where in XXXX XXXX, GA and XXXX, TX. I was staying in a XXXX  XXXX so I could believe how the IRS would process returns from other states with my social security number.Since I have had the monitoring service I've still had problems.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Butler and Associates, PA (TN)

I just was informed of a garnishment of wages for a bad check that was written in XXXX for {$25.00}. I'm almost certain this debt was already paid, but am having a difficult time proving that as the debt was passed around multiple times and the last communication that was sent was more than 10 years ago. My issue is the following : If the law only requires a debt collector to send notice to a last known address, should that not have been addressed or updated once they found my place of employment in another state on the opposite side of the country? Common sense tells me that if they can find out where I work to garnish wages 15 years after the fact, they could then find me to notify me of said debt before proceeding with a garnishment. Their last known address was an address in XXXX, XXXX, where I have not lived since XXXX. I have resided in XXXX, XXXX  since XXXX.
Consumer complaint received 2019-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I have a PayPal account which holds {$270.00} of money collected from sales on XXXX. The PayPal website gives you the option to have them send you a check for a {$1.00} fee. I asked for a check in the amount of {$270.00}. However, the webpage sends an error message when I try to request a check. Here is error message : " Before you may withdraw funds by check, you must confirm a non-P.O. Box address or become Verified by adding and confirming a bank account. You can confirm your address and request a check immediately by clicking on the Add a Confirmed Address link. '' However, no " Add a Confirmed Address '' link can be found on anywhere on the website. I reached out via chat to PayPal, and they told me that the only way to get my money is to link my bank account to PayPal. I do not want PayPal to have my bank account information. I want them to send me a check to my home address. In reaching out to PayPal, they refuse to give me my money and they refuse to close my account until I give them my bank account information so they can transfer my balance to my bank account. 

Basically, PayPal is holding my money hostage until it gets my personal bank account information. That is wrong.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CT)

Collection agency has engaged in serious violation of the FCRA, illegally re-aging an account. This {$1200.00} account was re-aged in XX/XX/2016, when the acutal date of delinquency was nearly three years prior.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

In XXXX 'Discover It ' opened a credit account for me with a credit limit of {$2000.00}. I was paying $ XXXX month through my credit union checking account autopay service for approximately 9 months. When I attempted to charge some products at a local retail store, my Discover card was declined, resulting in my confusion & embarassment. 
I telephoned the company & was informed that my account was closed because I had failed to " verify '' my identity by responding to an email the company had sent me several months ago. 
Looking through my emails, I found an email from some other company I never heard of asking me to complete an IRS form. Since I hadn't recognized the company asking for my personal information, I thought it was a scam & hadn't answered the email. 
I informed the representative of Discover that since I did not know that Discover was trying to verify my identity, I had ignored the email thinking it was a scam. It was an honest mistake on my part that was unrelated to my payment history or creditworthiness. I requested that my account be reopened, in light of the fact that I had never missed a payment. Discover refused to reopen my account, but advised me to continue making payments because of an outstanding balance of {$1500.00}. 
I have continued to pay my bill on time, but I reduced my monthly payment from $ XXXX. to $ XXXX. 
In XXXX Discover increased my minimum monthly payment to $ XXXX, with interest rate of approximately $ XXXX. I sent 2 autopayments, one on XX/XX/XXXX for {$50.00}, & one on XX/XX/XXXX ( Discover 's closing date ) for {$10.00}. Discover charged me {$30.00} in late fees because the due date for my payment was XX/XX/XXXX. I called the company & was informed that although the statement closing date was XX/XX/XXXX, there is no 'grace period ' between the payment due date & the closing date, & that my {$10.00} payment was late. The company did agree to waive the late charges for this month. But my minimum payment due on XX/XX/XXXX is now {$65.00}. 
I do not believe Discover has been dealing with me in good faith. First, a sneaky attempt to get me to reveal personal information to a third party that neither Discover nor the third party informed me that it was acting as an agent for Discover. Second, closing my account without informing me of the reason, resulting in my confusion & embarrassment when I attempted to use the card at a local retail store. Third, refusing to re-open my account, which was in good standing, because I chose to be careful about revealing personal information to Discover 's undisclosed agent via email. Fourth, I am paying a variable APR of 28.24 %, 20 % + over the prime rate set by the federal reserve on a credit card which I can no longer use.
Consumer complaint received 2018-06-18
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 have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX Mortgage. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( XXXX XXXX, Equifax, and XXXX ).

The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

If I have misinterpreted this statue, please advise.
Consumer complaint received 2016-07-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NC)

I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. I was awarded financial aid through the federal government lending program. Part of the loan was backed by a private lender, now known as Navient in XXXX, PA. I am unemployed and have been since XX/XX/XXXX. They call me daily, threaten legal action and send me registered mail. The fact that I can not pay them at present does not phase them. One of the representatives even told me to borrow money to pay them!! I have asked them to stop calling, etc but they have not done so. It is affecting my sanity and health. I have made it clear on numerous occasions that as soon as I am employed, I WILL take care of the loan, but they still threaten me.
Consumer complaint received 2021-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

There is a hard inquiry on my report from XX/XX/2021. I did not apply for credit or do any financial transactions that would have resulted in a hard inquiry in the month of XXXX. I called CapitalOne ( the inquiry is from CapitalOne ) and they said that there was no activity that should have resulted in a hard inquiry for me. I have no idea where this hard inquiry came from.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action. 

I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored. 

My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt. 
As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt. 

Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.
Consumer complaint received 2019-06-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Ask Experian multiple times to delete inquiries that are not mine. 

Was told they cant dispute inquiries that are account holding. 

I dont have any accounta with any of these creditors XXXX XXXX XXXX   You applied for a credit card in XX/XX/XXXX XXXX You applied for an auto loan in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX XXXX You applied for credit in XX/XX/XXXX XXXX XXXX XXXX You applied for a credit card in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX, XXXX XXXX XXXX You applied for credit in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX
Consumer complaint received 2019-06-25
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. (KY)

I have notified Experian that they are continuously reporting incorrect information on numerous occasions. Each time I send a notice they are responding that the information has been updated. If the information was correct the first time how are constantly updating incorrect information. I have been attempting to have this information corrected since XX/XX/2019. I received a notice XX/XX/2019 the accounts were updated. I was expecting Experian to do the right thing and properly investigate these accounts in the 30 day window which include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Although, Experian claimed they investigated these accounts I received notices in a span of 15 days, there is no way that any of these companies have responded to the verification in this short time. I am filing this complaint to hold Experian responsible for reporting inaccurate information. My most recent dispute was sent and received on XX/XX/2019 and a response was received on XX/XX/2019 that accounts again were updated. If they are at all reporting correct information why are these accounts constantly being updated with new information.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VT)

I received a credit card not in my name but in the name of XXXX XXXX. I also received a letter dated XX/XX/XXXX from Old Navy stating my request for increase in line of credit had been denied, which I had not requested. When I called Old Navy customer service on XX/XX/XXXX, I was told someone called in with my information and added XXXX XXXX as an authorized user and requested a line of increase. I stated this clearly wasn't me and asked for her to be removed from my credit card as a user, as well as cancel the card number and reissue me a new one, which was informed would be done. I was then transferred to the Fraud Services department and informed her name would be flagged. However, when I received my new cards on XX/XX/XXXX, I received 2 cards with XXXX XXXX XXXX name on them, one with the name XXXX XXXX. When I called Old Navy Services again, I was informed this person had AGAIN called and placed herself as an authorized user on my account despite her name being flagged. I asked for her name to removed AGAIN and have new card issued again with new numbers. I was also issued a special pin that must be used in order to access the account since it would be frozen. I was transferred to their Fraud Services department again. On XX/XX/XXXX, I checked my account online and found that XXXX XXXX had AGAIN been added as an authorized user. I called Old Navy AGAIN and asked to speak with a manager as this was the third time this has happened. I was informed this person had called the prior day and added herself again. I informed the manager this was unacceptable and obviously my SS # had been compromised if they were using it as verification to make changes to my account. I was informed an email would be sent to the back department regarding this manner and a new credit card number would be issued. Checking currently XXXX XXXX has once again added herself to my account and I have to call Old Navy again. This is completely unacceptable in the security of the Old Navy Credit Card services.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2021 the XXXX XXXX sent {$2000.00} to Chase Bank in my name ( COVID relief fund ). On XX/XX/2021 I initiated a bank transfer from Chase Bank to XXXX XXXX. Unfotunately, I entered an incorrect checking account number. After about a week when the {$2000.00} never hit my checking account I started following up on the transfer with Chase Bank. I corrected the checking account number on the Chase Bank record. Their escalation team could not help. I checked with the XXXX escalation team. They had no record of the transfer ever reaching XXXX XXXX. Both Chase Bank and XXXX XXXX asked me to check with the XXXX XXXX. The XXXX XXXX escalation team indicated the money was " deposited '' on XX/XX/2021. I think that translates to a transfer was initiated. 
I have had several conversations with the XXXX XXXX, Chase Bank and XXXX XXXX. None of them can " find '' my {$2000.00} and credit my account, or, give me the opportunity to correctly transfer the money. 
I have attachments.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have been charged for years a service fee for something called ( Payment Safeguard XXXX )  and this is something I never requested neither remember approving it at all .... I use the card a lot and get hundreds of charges, so could not identify until now. 
I have called Citibank to cancel that and to apply full refund, however they simply cancelled and even with future date XX/XX/XXXX and not applying the rexpective refund with is very disappointing must say ...., attached is the oldest charges I could retrieve from XX/XX/XXXX and until today I have been charged {$690.00} and I have this card since around XX/XX/XXXX so  cant imagine how much I have been charged for over 10 years and need help with this refund please please, Thanks in advance and Best Regards, XXXX XXXX XXXX
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2019, in a phone call to Simple Bank customer service, I reported that my checkbook had come up missing. I asked the CSR to please make a note in my account about this and not to honor any checks without my consent. Was told by the CSR not to worry, that Simple would freeze any checks that might possibly come through as they would be forgeries. I questioned the CSR about it again and he assured me that I had nothing to worry about. 
On XX/XX/2019 Simple processed check number XXXX and deducted {$89.00} from my account even though I had told them 3 weeks prior that these checks were stolen. In numerous calls to Simple over the next two days, I was told different things by everyone i spoke with, but all reps stated that Simple had messed up and somehow this " slipped through the cracks ''. They stated that they would rush putting the money back in my account as I had told them prior to and this was a mistake by Simple. Make no mistake, Simple had taken responsibility for this deduction from the start. 
However, things went from bad to worse quickly. Because the account number had been compromised, they froze my debit card, effectively sealing me off from my funds. The XXXX, a representative unfroze my card so I could withdraw {$300.00} in cash from the ATM, and then refroze it, stating I could call back the following day and she would do the same so I could withdraw more cash to pay my rent. The following day ( XX/XX/XXXX ), in over 15 calls and 7 hours phone time, I was never given access to my debit card as promised, and was lied to countless times by different CSR 's. Told it was unfrozen and to go immediately to XXXX to get access to my money. Another one, it's unlocked, go to XXXX and use the ATM. It's in a maintenance state, but will work in 2 hours ... Card is frozen and we can't do anything about it but we can XXXX you a check arriving the next morning ( hours later, oh, it's too late for that now, sorry ). And then closed my account because of my total frustration with all the lies and misdirection. 
However, Simple STILL has not refunded the {$89.00} they deducted for check XXXX that they knew was forged and had been notified 3 weeks prior. As of today ( XX/XX/2019 ) I still have not received these funds that they admitted were mistakenly deducted from my account. They asked me to submit an affidavit but never have provided the information about this check to complete said affidavit, along with asking me to spend {$25.00} to have it notarized ... After taking my funds by mistake. Numerous calls and messages to simple has resolved nothing and I want my money back they erroneously took