davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Because I disputed an account with Navy Federal Credit Union, the company has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my consumer report and closed my account without my lawful authority or notification. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) C. The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Navy Federal before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Navy Federal Credit Union to furnish any " late payments '' to my consumer report. It is my belief that due to Navy Federal Credit Union business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

I deposited a check of XXXX from my attorney who is XXXX XXXX  XXXX. I was told that XXXX will be available next day and the remaining will be available the following day, which is Friday XX/XX/2023. Now when calling theyre saying that I have to wait 5 business days because the Federal Reserve is requesting more time to verify the check. After contacting the Federal Reserve I was told this is incorrect info that I was given from Navy Federal Credit Union.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your company has been performing malpratice and is breaking the law Frivolously. it has been a grossly amount of poor performance in handling my investigation with so much negligence that has caused me finaicial injury and harmed me from being able to obtain any credit or auto loan and several other things. Several Laws have been broken Under The Fair Credit Reproting Act made to protect consumers like myself it has been a nightmare trying to get this matter resolved and my Character hasbeen Deframed slandered and ridiculed I am traumatized with this outcome and it has been extremely overwhelming.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

On my XXXX  credit report, the balance for my Victoria Secret Comenity credit card still indicates a balance of {$110.00} - it has not been updated since XX/XX/2019. Per the Victoria Secret Comenity credit card center, my balance is {$0.00}.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (LA)

I have tried repeatedly to get all three major credit reporting agencies to comply with the Fair Credit Act when it comes to my credit report. They will not take old information off and when asked to investigate something it always comes back as verified. When I ask for the name and position of the person who verified it and how it was verified, I never get a response back. It is my understanding that this is a requirement of the law. I was going to take the problem to my US Senator but figured I would try here first. I can't remember exact dates, but it has been several times over the years and with all three agencies.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XXXX XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple address that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and notice that Experian and XXXX did not update my address and also did not remove the inaccurate addresses, so I am now, taking the extra step, because I really these addresses off of my credit report.
Consumer complaint received 2019-04-11
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 unauthorized activity on my Pay Pal account on XX/XX/19 I submitted a claim with PayPal, the claim was declined. I decided to close my account spent one hour on hold and was informed my account could not be closed, my call was transfer to another department after 30 minutes on hold the call drop. I tried a second time with the same results 40 minutes on hold, then transferred an d call drop after another 30 minutes. Pay pal has access to my bank account and all unauthorized transaction get debited directly form my bank account.
Consumer complaint received 2018-11-14
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: SYNCHRONY FINANCIAL (IN)

I never been wit this company XXXX on XX/XX/XXXX or never heard of this place before .. U got the wrong person please take off my credit .. Ive never had anything to do wit this ... Ur charging me for something i never aplied for or gave u no permission to charge me never heard of this company
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

I paid off the balance of the following accounts, disputed the balances via XXXX   and XXXX, and the companies refuse to report a XXXX  balance : 1. XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 2. CitiBank/CBNA/XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 3. CitiCards/XXXX  : Reporting/verifying incorrect balance to credit bureaus ; 4. XXXX XXXX : Reporting Incorrect Balance to credit bureaus.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have tried repeatedly to get all three major credit reporting agencies to comply with the Fair Credit Act when it comes to my credit report. They will not take old information off and when asked to investigate something it always comes back as verified. When I ask for the name and position of the person who verified it and how it was verified, I never get a response back. It is my understanding that this is a requirement of the law. I was going to take the problem to my US Senator but figured I would try here first. I can't remember exact dates, but it has been several times over the years and with all three agencies.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2019-06-12
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. (OH)

I submitted four letters to Trans Union, XXXX, XXXX. The letters state, according the to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax. mail or email in a fraudulent account.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I had initially attempted to correct an incorrect status with all credit reporting bureaus regarding a XXXX XXXX account incorrectly showing as a charge off. When I did not receive any relief, I came to the Consumer Financial Protection Bureau website in order to try to have the problem resolved. Since doing that, the original XXXX XXXX problem remains, but now XXXX  and Equifax have altered my credit report and it now contains several errors. I filed bankruptcy in XXXX and it was discharged in XXXX of XXXX. My credit reports on across all reporting agencies has always correctly shown a bankruptcy discharged in XXXX and all of the accounts included in the bankruptcy have reflected that. There were never any errors or problems with the bankruptcy. Now, the bankruptcy is no longer showing on XXXX  or Equifax and the account included in the bankruptcy are showing as late payments, with no mention of the Bankruptcy. This is from XXXX, and it has been changed, without cause. I never disputed the bankruptcy or the contents therein. XXXX, an old XXXX XXXX, an old XXXX account, XXXX/XXXX  are all showing as late payments. Everything this happens, my score goes down. Every time I try to correct one problem - with the XXXX XXXX account, a new problem arises. I am afraid this is going to effect my current accounts, that are in good standing.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (PA)

I paid off the balance of the following accounts, disputed the balances via XXXX  and XXXX, and the companies refuse to report a XXXX  balance : 1. Lending Club : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 2. XXXX XXXX  : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 3. XXXX/XXXX  : Reporting/verifying incorrect balance to credit bureaus ; 4. XXXX XXXX : XXXX XXXX XXXX to credit bureaus.
Consumer complaint received 2022-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

XX/XX/2017 shows ineligible for PSLF due to forbearance that was placed on my account. I did not request this forbearance. At the time, FedLoan servicer representative assured me that this month will count towards PSLF and that forbearance will benefit me due to issues with re-certification that year. I request that Fedloan servicing pulls that phone call and they listen to it. 
I request that this month counts towards PSLF as an eligible month. 

My second issue : I requested that period of full time public service combined with period of in-school deferment be counted towards PSLF. Fedloan servicing does not show anything on my account from XXXX. During this time I worked for a qualified employer so I am requesting that this period counts towards PSLF under the Limited Time Waiver.
Consumer complaint received 2022-04-04
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 (IN)

On or about XX/XX/2022 I lost online access to make payments to my Paypal Credit account via the Paypal App ( Android ), or on the Paypal.com website. This line of credit is provided by XXXX Bank ; XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

In speaking with both parties I have been unable to resolve the dispute, and was informed by a XXXX Bank employee that XXXX Bank does not offer online payment processing directly to Palpal Credit account holders. 

The lack of online payment processing places both Paypal, and XXXX Bank in violation of Paypal Credit Terms And Conditions under the Payment Options clause which states " You can pay by mail, online or by phone. '' The inability to pay online is no small inconvenience in the age of the Internet most Americans make a majority of their payments online in 2022. As a consumer revolving credit account " The Terms and Conditions, '' stipulated that the ability to " Pay Online '' would be available to Paypal Credit Account Holders as part of the Agreement, or terms of contract. 

Payment under the Uniform Commercial Code is no small matter, and neither is impeding payment by denial of service. I ask that Paypay either re-institute online payment processing through their XXXX app, and/or website showing good faith in their obligations to Paypal Credit Account Holders to whom they are in breach to at this moment. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint relates to my Bank of Ameri ca Visa Card.    Details below.     Statement for period   X/X/17  to  X/X/17  en ded up in my  Spam folde r so I missed the payment du e  X/X/17  of { $390.00}.     The statement for per iod  X/X/17  to  X/X/17     included a {$25.00} fee + {$33.00} interest which when added to my   XX/XX/XXXX  acti vity totaled {$4400.00}. This was fully paid in   X/X/17 .      When I received the statement for pe riod  X/X/17  to  X/X/17 , my  total activity was {$16000.00} which is due   X/X/17     which I have scheduled to pay fully. However, this statement also included an interest charge of {$150.00} which they calculated on an amount of {$10000.00} at 17.74 % rate. Since I fully paid  my  XX/XX/XXXX  balan ce on     XXXX   XXXX  , 2017, I d o n't understand why I am being charged interest for current activity which is   no t due till  X/X/17 .      When I spoke to their customer service rep, she could not explain why I am being charged but also did not correct it.     As a practise, I pay my monthly balance always on time and fully.
Consumer complaint received 2022-04-04
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)

Utility company XXXX XXXX charged off a utility account under my name and social in XX/XX/XXXX in the amount of {XXXX}. The account was opened in XX/XX/XXXX. I live in California and have never lived in Texas. 
The account is listed on XXXX and Transunion credit reports but may be listed in XXXX as well. 
I disputed the account as " not mine '' with XXXX in XX/XX/XXXX but the account was just updated to " disputed '' but not deleted. 
I called XXXX who advised that it appears to be fraud and I place a Fraud Alert on all three credit bureaus.
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I settled a debt with a collection agency representing XXXX on XX/XX/2021. Attached is the entry from my credit card provider for the settled amount. 

I have made XXXX requests with TransUnion to correct my credit report ( also attached ) and both times they have settled the dispute stating the item is accurate. 

I just want my credit report to report correctly and it's apparent that TransUnion has yet to take my dispute seriously.
Consumer complaint received 2022-04-04
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (PA)

When I was XXXX XXXX XXXX ( sometime between XX/XX/2008 and XX/XX/2008 ; turned XXXX on XX/XX/2008 ), my parent/legal guardian/father had me sign a paper to take out a private student loan for {$10000.00}, I was not aware of/did not understand what I was signed. He was the co-signer. I was unaware of the loan and loan payments until after I graduated and the loans went into default, negatively impacting my credit and leading to extreme financial hardship. 

I did not understand how inappropriate this was at the time as I was in my early XXXX and frantically scrambling to make payments in the face of constant calls from Navient asking to collect on the loan. The loan has since been paid in full by me. However, now that I am an adult and have a better grasp on the situation, I have a better understanding of the situation and am looking to take action to recoup the money paid from either the institution or the co-signer.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-03-23
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. (MO)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-04
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: ENCORE CAPITAL GROUP INC. (TX)

Called the company on several occasions. XXXX, XXXX and XXXX. Given the runaround about proof of account and actual balance. Unable to get anything in writing. Called back again and was told they had my email wrong. After waiting several weeks, I still received no proof.
Consumer complaint received 2023-03-23
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)

The 3 credit Bureau 's credit reporting agency ( CRA ) is reporting inaccurate accounts listed below ; Due to their errors in reporting, Im reporting these violations. The first is with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second is the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be corrected from the agencys report. The following accounts listed below is inaccurate. 
XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$40000.00}
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (KY)

CBE group is trying to collect a debt still that has already been paid. There phone number out of XXXX Tennessee XXXX keeps harrassing me by making at least 3 phone calls a day. I have already told them that I paid them and they will not listen all they do is hang up and call back again the next day 3 times. I have already complained to the Police about theiephone harrasement and the Police have even told them to quit calling me or they could be prosecuted they have ignored the orders of the police and continue to call. 

On XXXX XXXX I called the corporate number and the person I talked to said I owed nothing to them.
Consumer complaint received 2024-05-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (WA)

I had a CD come due on XXXX XXXX and I called Synchrony Bank the same day requesting they close the account and send a check. I was told 2 days to process and 7 - 10 for mailing. I waited and nothing came. I called again 10 days later and was told the same story. I called on XX/XX/XXXX and the case was escalated, Synchrony admitted they had made a back o # ice error and promised a check with additional accrued interest witting a week. On XX/XX/XXXX they said I would receive a check in the mail by XX/XX/XXXX, I have received nothing. I called again on XX/XX/XXXX and they told me that the check had not yet been processed and would be tomorrow. This runaround has been going on for a whole month and I want Synchrony to send me my money back plus interest for the additional month they have screwed around and had 'back o # ice ' mistakes.