davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WSFS FINANCIAL CORPORATION (DE)

On Friday, XX/XX/XXXX, my daughter and son-in-law received a call from someone falsely impersonating their son stating he was in a car accident in XXXX, NJ and needed bail of {$9000.00} and to contact the financial rep and court attorney for his release. In a state of panic, we were contacted by 2 people impersonating a court attorney and bails bond person ( going by the name XXXX XXXX ) who instructed us where to wire the money to a XXXX account in XXXX, NY. I wired from my WSFS account located at XXXX XXXXXXXX in XXXX the money and we were told my grandson would be released. No more than an hour later, we found out it was a scam and I contacted the bank immediately to try to stop the wire transfer. I spoke with XXXX, from WSFS and he quickly put a fraud alert on my accounts and stated he was contacting my branch directly and that I would need to close my account and open new ones. I also filed a police report with XXXX XXXX XXXX and my daughter filed a complaint with the FTC. Saturday, XX/XX/XXXX, I received a call from the branch manager and was told that my money did not get transferred and someone on the backend was able to catch it and asked for me to come in to close and get new accounts due to fraud. I went in that day and sat for 2 hours with the branch manager updating my accounts and she assured me that my money was still there and was not transferred and that they were able to catch it. I was relieved but traumatized by this experience as I am a widow on a fixed income. On Tuesday, XX/XX/XXXX, I was shocked to receive a casual phone call from a teller at WSFS stating that unfortunately my money was transferred to the scammers account and they werent able to verify because the Wire department was not open on Saturday!! I was infuriated! They assured me several times that my money was safe and didnt go through. I asked to speak with the manager and she was unapologetic stating the same thing. I was contacted by the Regional Manager who basically said they gave me the wrong information and that unfortunately the money went directly through that Friday. I told them they had dropped the ball and I was assured my money was not transferred. I dont understand why no more than an hour after we found out and contacted them about the fraud that more wasnt done. No one from WSFS even attempted to contact XXXX where the fraud initiated from. I am extremely upset and will continue to fight this.
Consumer complaint received 2021-10-28
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 (OH)

PAYPAL CLOSE LOCK MY ACCOUNT PERMANENT AFTER REQUEST HELP FOR WITHDRAW MY MONEY. 

NOW I CANT USE PAYPAL, THIS COMPANY IS STILL FROZED MONEY FOR PEOPLE AND THEY JUST TALK ABOUT RISK BUT NEVER SPECIFIC THE RISK. 

this is XXXX  company i feel i want this company one day should pay people for the arbitration decision and stole money to the user, if sombody paid me, and them i call for request my withdrwa why the respond blocking me permanent. 

i see in internet many people has same problem XXXX XXXX
Consumer complaint received 2021-10-28
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)

Ive been trying to get a home loan and everyone is telling me that there are two collections on my account that is preventing me to move forward. I pulled my credit and there are those two accounts that are not mine. I have reached out to the FTC and my police. Please help as Im doing this on my own behalf. Please remove them from my credit this is holding me up on having a better living situation XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-03-10
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. (TN)

XX/XX/XXXX, I opened an account with XXXX XXXX XXXX  for a used ( XXXX XXXX XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again XXXX XXXX XXXX with my wife ( who handles our finances XXXX, and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manageXXXX. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from XXXX and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by XXXX XXXX gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. 
Thank you XXXX XXXX XXXX https : //santanderconsumerusa.com
Consumer complaint received 2021-03-10
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. (CA)

On XX/XX/XXXX I filed bankruptcy. Once I filed bankruptcy, My credit score dropped to XXXX.However, For the last 13 months, I have done all the steps to improve my credit such as ; I added five new credit cards. I have paid them on time and I have no late payments. I have kept my credit usage down below 15 percent. My credit score start increasing and after one year in XX/XX/XXXX, my credit score increased to XXXX points. However, for no reason Experian start dropping my credit score. On XX/XX/XXXX Experian dropped my score by five points. The again on XX/XX/XXXX Experian dropped my score by 17 points. I contacted Experian and they told me that Fico Score company dropped my score and told me to contact them. Upon contacting Fico Score I found that this was untrue. Nevertheless, Experian took away XXXX points from my credit score for paying my creditors on time and keep my credit usage low.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2021-10-28
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)

Ive been trying to get a home loan and everyone is telling me that there are two collections on my account that is preventing me to move forward. I pulled my credit and there are those two accounts that are not mine. I have reached out to the FTC and my police. Please help as Im doing this on my own behalf. Please remove them from my credit this is holding me up on having a better living situation XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation (TX)

In XXXX of XXXX we notified XXXX that the vehicle was having mechanical issues and we were not able to get it registered or fixed. Our account was severely delinquent for the past year, we would make a payment only when an email was sent advising the date of repossession. We recently were forced XXXX XXXX the vehicle and it experienced engine trouble resulting it not being able to be moved. This was on XX/XX/XXXX. It was stuck at a gas pump, I had a certified XXXX mechanic come out to inspect the vehicle. He told me that his shop could not fix it, and only the dealership could fix the vehicle. He helped me push the car to a parking spot. I then notified you of the issue with the vehicle. I spoke to your executive office and was assured a repossession company would contact me to arrange pick up. During the initial call, the representative gave me false information related to my credit reporting during her attempt to make me keep and pay for the vehicle. I was voluntarily surrendering the vehicle to avoid further fees and negative credit reporting but you told me that i had to have possession of the car even though I am calling you to tell you to come get it. We agreed that the repossession company would contact me to arrange pick up and I would meet them to give them the key to have it considered a voluntary repo. I called earlier this week and was told that I had a payment arrangement scheduled and it would not be picked up. I had to explain the situation again and remind them that the vehicle was not running and my arrangement was deleted. I was told it would be picked up. I called again today, XX/XX/XXXX and was told that you sometimes wait until the involuntary repossession date to secure a vehicle. I do not agree with this as we made an agreement to have it voluntarily surrendered. Your company calls non stop multiple times a day and the representatives are very rude. My credit is absolutely destroyed and i've been paying for a car that i couldn't ' even drive. 
Please quit trying to charge me more money and prolong this ordeal. The situation is that we purchased a car at your dealership XXXX, financed with your company BridgeCrest and our extended warranty is with XXXX, also your company. The warranty we bought from you on the vehicle from you can not even fix the car we purchased. Dealerships are not in the network and that is the only place that can fix the car.
Consumer complaint received 2021-10-28
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. (CA)

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 2022-02-05
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: DISCOVER BANK (CA)

On XX/XX/XXXX, I charged {$190.00} on my Discover card for XXXX XXXX XXXX via online ad. On XX/XX/XXXX I changed my mind after reading numerous complaints against this company on XXXX site. I emailed company ( XXXX ) to cancel order. On XX/XX/XXXX, " XXXX ( Support ) emailed that my order was successfully cancelled and shipment stopped. Full refund would be returned to my card " within 5-10 business days. '' I waited and waited. No refund. Therefore, I filed a dispute on XX/XX/XXXX with Discover to get my money back. They issued a temporary credit. Some entity called " XXXX! '' sent Discover fraudulent and misleading papers with a shipping date and a XXXX Tracking #. However, I never received any packages from that company. When I checked with XXXX about the Tracking #, they said they never received the package. It was cancelled by XXXX back on XX/XX/XXXX! It was never shipped. Evidently, the Tracking # was generated when I ordered, but it was never shipped. On XX/XX/XXXX, Discover decided the charge was valid. Wrong! This complaint is echoed by several other consumers who protest as I am doing, that Discover does not protect their cardholders in disputes. One other XXXX like me ( XXXX ) comments Discover seems to be trained to side with the scammers! No longer an honest company. I have already sent Discover documents : 1. the email from XXXX cancelling order and authorizing refund ; 2. XXXX doc stating no package with that tracking # was in their possession. When I called XXXX XXXX and reiterated issue, they said Customer Service would contact me within 48 hours. Of course, that did not happen. Discover told me to ask the company exactly what card was involved, etc, as if I am the investigator! This company ( XXXX. ) is a SCAM. Liars. Discover has essentially stolen {$200.00} from me : protecting scammers.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

There have been ongoing issues with my account. I was taken out of deferment and charged interest and invoiced payments starting in XX/XX/year>. When I called because my account was supposed to be in deferment they said they made a mistake and will refund me the interest and payment ( 60 days or more ). It has been over sixty days and haven't seen the money or interest. I was deemed ineligible for my PSLF count in addition. 
I have been making targeted payments as I have always done and MOHELA claims I can't do that. They forced me to make an additional payment. The only option I have when making a payment is targeted loans. When I made the payment it charged around {$30.00} more than the payment due. After making the payment it showed I still owed {$.00} due. I completed the payment on XX/XX/XXXX. In the mean tiem I am getting emails that I missed a payment. Today I checked and it shows I owe {$220.00} due by XX/XX/XXXX. This would be a third payment. 
If I am late on a payment they told me I will lose PSLF. I have 100 payments out of 120 already made. 
They have claimed during the last time I submitted PALF employer paperwork that it was denied as they weren't able to confirm. Keep in mind I have been submitting for eight years prior. I had to wait on the phone for three hours to talk to someone to get is fixed. I recently received an email sharing that I have not submitted PSFL paperwork in over a year and it was due. 
They have made threats of upping my payment requirements. 
They have been sending memos sharing that they are dealing with all of this, but aren't In one memoe a paragraph shows that XXXX through XXXX will be eligible for PSLF counts and another paragraph that says I will not get credit for XXXX. 
Another issue is when I pay off my targeted loans they are still showing repayment and not paid to be reflected on my Credit Report. 
I have raised concern with them, XXXX XXXX XXXX ( who continues to try to close the case without resolve, the XXXX AG 's office and now you.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 
XXXX & XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-10-10
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are corrected. 
XXXX XXXX Balance Owed : {$2100.00} - Charge-off XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  ( Original XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  ( Original Creditor:01 XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Original CreditorXXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$530.00} XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$580.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX Balance OwedXXXXXXXX XXXX XXXX Balance Owed : {$1800.00}
Consumer complaint received 2021-10-28
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. (NJ)

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not accurate status and not our responsibility from XXXX XXXX  during COVID-19 in 2020 and should not have been placed on my credit file. This account is also a joint account and removed from my wife 's Transunion but remains on my file. Please remove.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 
XXXX & XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2021-10-28
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)

Ive been trying to get a home loan and everyone is telling me that there are two collections on my account that is preventing me to move forward. I pulled my credit and there are those two accounts that are not mine. I have reached out to the FTC and my police. Please help as Im doing this on my own behalf. Please remove them from my credit this is holding me up on having a better living situation XXXX XXXX Auto and XXXX XXXX XXXX.