davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I received a letter from Synchrony Bank on XX/XX/22 falsely claiming that I had requested to open a PayPal Credit account. I absolutely did not do this and believe this to be a marketing scam. I tried to contact PayPal to find out why I received this letter, first via chat, with no success ( they were unresponsive ) and second by calling. The CSA immediately transferred me ( supposedly ) to PayPal credit where no assistance was available because the robot kept asking me for an account number, which I obviously do not have. Simply asking for an agent did not permit me to override this step. There is no contact information on the letter other than a return address to a po box in Florida, which immediately raises red flags. If there is a security issue regarding someone trying to open an account in my name, I absolutely have a right to ascertain this information. If it is a cheesy marketing ploy, I am livid that they have wasted my time trying to sell me a product I am not interested in via a fear tactic that can not be quickly dismissed.
Consumer complaint received 2018-07-22
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. (DE)

The problem I'm having is I've contacted the 3 major credit bureaus and asked them numerous times to validate inaccurate information on my credit report. I will attach the letter I sent to all 3 credit bureaus.

All 3 bureaus mailed dispute result back claiming to have verified the items on my credit report. Now the issue occurs because they did not validate the information from the original data furnisher via by mail they did it electronically and also, they never produced a copy of the signed contract with my name on it. The 609 Fair Credit Reporting Act the ( LAW ) requires that the information on my credit report must be accurate, verifiable and not outdated and 100 % accurate. They all have failed to comply with the law and now I'm seeking assistance from the CFPB.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

Two American Express accounts were opened fraudulently in my name 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX I have contacted American Express numerous times to get the information needed for the police report. Each time I call American Express, I am informed of different information and requirements needed to get the report. 

1st calls/conversations : The initial conversations I was told to mail in either a copy of a government-issued ID or a copy of the police report. I did this via USPS with a tracking number. 
2nd calls/conversations : When I called back to ask where this was in the process they informed me they had not received the document even though it clearly showed that it was received. The address was verified as correct. Additionally, I was informed that it must be BOTH the police report and copies of my ID and that since my original documents were lost that I could upload the documents to the website at www.americanexpress.com/XXXX. 

3rd calls/conversations : I had to call back again as I was not provided a reference number to upload the documents. In which I was informed that I could not upload them and that the must be mailed in. When I asked if my original document was received Ameican Express insisted the documents were never received even though they also verified the tracking number insisting it must have been delivered to someone else with all of my personal identifying information. Additionally, they informed me of a new requirement to submit a notarized affidavit along with all the other requirements. 

When I requested the instructions be provided in writing to prevent the continued miscommunication American Express has refused. They also have no resolution for the missing documents received verified via tracking. It seems it will be next to impossible to get American Express to assist in providing the fraudulent application information over to the detectives investigating. 

I have had this situation with one other credit card provider and none of the issues that I am having with American Express. I can not believe how uncooperative they would be in trying to help investigate a fraud case.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

On XX/XX/2022, I received a bill from American Coradius International, a collection agency, for {$29.00} that they claim I owe XXXX. My XXXX account balance is {$0.00}. I never bought anything using XXXX for that amount of money. I contacted XXXX and they told me to ignore the letter because I do not owe XXXX any money. The bill includes a XXXX account number, but XXXX does not use account numbers. You log into XXXX using your email address, so it's obviously a bogus bill. I read of other people on the XXXX forum who received similar bills. Can't American Coradius International be forbidden by law from sending out bogus bills?
Consumer complaint received 2021-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED. 

XXXX Account Number : XXXX 01 XXXX XXXX Account Number : XXXX I would also like this inaccurate information to be UPDATED TO POSITIVE : CAPITAL ONE Account Number : XXXX
Consumer complaint received 2021-10-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The credit reporting agency XXXX has multiple incorrect addresses on file for me. I have disputed it and they continue to verify it but again not true! I looked up one address and it belonged to a business!! But they refuse to reinvestigate it.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Santander consumer USA is obligated by the FCRA to report everything accurately to the credit bureaus. Why is a late payment being reported 3 different ways to XXXX, XXXX & XXXX? When i dispute it, they refuse to correct the information. The payment was not late. The way it was reported, it looks as if i have 3 late payments. Ive attached the images below. This is my 4th attempt in getting a solution from this XXXX  company. If you are obligated to report correctly, then do that. Why are my payments being reported differently based upon the credit bureaus? Are you intentionally trying to make it look like it was late 3 different times? So that you can make it look like you can tow my vehicle in the middle of the night? Ive disputed it 3 times. You refuse to fix the issue. This credit report was pulled on XX/XX/2020. This company is ridiculous.
Consumer complaint received 2018-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

In XXXX of XXXX, as an incoming college student, first of my siblings to pursue post-secondary education, growing up impoverished, under adverse financial circumstances, I sought a private XXXX XXXX college to seek a professional degree. Needless to say, I didn't have enough funds to pay for any percentage of my tuition. Through merit-based scholarships and federal student financial aid, I still lacked funds to enroll, so I turned to Sallie Mae for a private loan to pay for the expenses I encountered. From the firm, I was awarded with approximately {$6500.00} from Sallie Mae in the Fall of XXXX. After successfully completing my college, becoming a full-time employee, specializing in the work related to my degree, I sought to return for an advanced, XXXX XXXX XXXX, between Spring XXXX XXXX. Although I applied for the deferment of my federal and private loans, I was not given options or sufficient information regarding the repayment of my loan, held by Navient, formerly Sallie Mae. I was betrayed by a firm that pressured me to increase the amount of my repayments.I was deceived by not receiving sufficient contact from Navient, regarding my outstanding balance, in order to inform my repayment options. Since the inception of the loan, I have seen my principal balance double in amount and through consistent, consecutive payments, have just recently reduced this principal to its original amount. Most deceptive is the obscure information provided to me, according to the monthly statements I have received from the firm, indicating that never was there a " minimum payment '' due to Navient, giving me a false sense of security, as I hoped to maintain lower payments. Finally, I am frustrated that I am not afforded with enough transparency, on behalf of Navient, to thoroughly investigate the allocation and distribution of the funds I have provided to repay the loan, in a timely manner.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

I applied for a credit card after i received solicitation in the mail for a Jet Blue credit card. I didn't sign up to receive this. Since i visit my grandmother more frequently and they offered flight incentive i thought i would give it a try, i was denied and tried to reach out to them again for reconsideration and non was given, My federal consumer rights were violated. i was discriminated against and received no equity from this transaction. I also believe that Barclays bank did not act in good faith by offering me something that i would be denied for when i had no interest in the first place. some how i was " preselected '', i didn't sign up for notifications from them. I believe it was because i was on a JetBlue flight returning home from visiting my grandmother. The adverse action has actually dropped my credit score and my privacy was infiltrated. I would like legal action to be taken and full payment for every violation made according to the federal consumer law.
Consumer complaint received 2022-02-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MA)

Hi! I am writing about the Navient private student loan settlement plan. I took out student loans, from then XXXX XXXX, from XXXX to XXXX, totally roughly $ 70k to attend XXXX XXXX in XXXX, MA. If i recall, these loans had subprime rates at the time. 
Upon graduation, my bill came due to over {$1000.00} per month. Instead of being offered additional payment options, I was often times harassed for being unable to make payments then placed into forbearance, on multiple occasions. After still not being offered resolution upon the forbearance ( s ), the late fees ruined my credit score at the time, and my accounts were placed into collections ; where I was finally offered a reasonable payment agreement and chances to settle. After faithfully paying my agreements for nearly a decade, my current balance ( of the original $ 70k borrowed ) is {$140000.00}. 

Based on my understanding of the settlement, private loan holders will receive relief if : -Loans were to subprime lenders ( i had barely any income and a co-signer, but my score was low and the rates were high!! ) -Loans taken out between XXXX ( I qualify ) -Loans has defaulted 7 consecutive months ( my loans have been in collections for 10 years.
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

National credit adjuster is contacting me email about a debt I know nothing about and threatening to sue me in court. They are violating FDCPA rules by not providing proof of the debt other than to say I owe it and also the mini Miranda isnt on any email they have sent out this far. I can provide other emails Id needed. I have three emails. This is possible scam because of the poorly written email.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX. INC appears as a collection account on my credit reports showing I owe a balance of {$730.00} ( shown as {$740.00} on my XXXX, XXXX and XXXX credit reports ). I have called and written letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Consumer complaint received 2021-02-12
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 was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of Education/ XXXX  # XXXX ; XXXX Please provide method of verification of late payment with physical proof.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

Over the past year I have used direct deposits from PNC Bank to pay for my rent on XXXX. However, as I entered a new year of my lease, XXXX says that PNC 's policy changed and no longer will link to the avail account, keeping me from directly paying my landlord through the rent payment platform. This issue was uncovered XX/XX/20.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (MD)

On XX/XX/XXXX, I got a call at my workplace from XXXX at XXXX XXXX XXXX about an old debt that I co-signed with my father ( deceased ) on his XXXX card about 12 years ago. He used the card to purchase a TV and I co-signed. I never got any written notice about this debt or attempt to collect the debt. I recall that it was paid in full. They said the debt was {$450.00} but they threatened to escalate it to {$4000.00} with legal fees and court costs. I got a second call from the same person on Friday XX/XX/2018 again at my workplace for the same thing. She also threatened to send someone to my workplace to serve me. A third call on XX/XX/XXXX was from XXXX XXXX with XXXX also at my workplace. The phone # they gave me was XXXX and the account # was XXXX. The method of payment they wanted was for me to use XXXX or XXXX with email receipt. I did not agree to that. I asked for a mailing address and he did not give me that information. I did let them know that I disputed this debt and I called the XXXX card company and found out that account was closed a long time ago. I have not heard back since XX/XX/XXXX. I have contacted my Legal Aid office and was advised to file this complaint. I do not believe this is a legitimate debt collection firm since I never received any written notification from them.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (ID)

To improve our credit we opened a secured card by sending Discover {$300.00} and getting a XXXX card. After 2 years we received a letter stating that because we had done such a good job with handling the card, we deserved a credit card and our {$300.00} was returned and we were issued a new card. We used the card approximately 3 times when we then received a letter telling us that our card was cancelled because of inactivity on the card for the previous 18 months. We have no way of knowing what is going on.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I have recurring payments setup via PayPal for my XXXX services. I've had my PayPal " preferred '' payment method as my credit card for years, yet somehow they keep defaulting it back to my debit card as the payment method. My monthly XXXX just came out and surprise surprise, it came out of my debit card even though that isn't my preferred payment method ( and never has been ). This happens repeatedly with PayPal ... ... .it 's no doubt a UDAAP violation as they do not want to pay credit card fees, so they default to debit cards you have on account on a regular basis. It's deceptive and they have been doing this for years.
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2022-08-26
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. (CT)

XXXX XXXX Account # XXXX is still reported as open on my credit report. This account was closed when my insurance company XXXX paid off the loan balance in full after the vehicle was ruled out as a total loss on XX/XX/22.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AR)

On XXXX Chime sent an email requesting an explanation for a direct deposit amount totaling XXXX. I replied and explained the deposit was from my 401k. I emailed the 401k distribution statement for verification. Later, my account was suspended. Chime stated they also need a copy of my paycheck stub from XXXX XXXX along with ID, SSN card, and a picture of myself holding my ID. I complied with hopes to resolve the issue. More than a week later Chime reaches back out and asks for a statement of my unemployment benefits, which I sent. 

Nearly a month after the initial email, I have no resolution date and I have sent every document along with an explanation. I lost my job due to the pandemic and XXXX XXXX has been paying me severance pay but I still qualify for unemployment. My problem is that Chime hasn't given me a date of the resolution or responded to my email request. I have over XXXX in that account that I can not access to feed my family or pay my bills.
Consumer complaint received 2022-02-17
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. (NC)

HAVING PROBLEMS WITH TRANSUNION UNION CREDIT REPORTING AGENCY TO GET TO REMOVE INACCURATE INFORMATION THEY HAVE ME IN THEIR FILE AS XXXX XXXX XXXX XXXX, I HAVE SENT THEM MY ID 's WHICH SHOWS THAT I AM A XXXX, SO THERE FORE THEY ANY DEROGATORY INFORMATION, I AVE BEEN THROUGH THIS FOR TWO YEARS, I AM DEPENDING ON YOU TO HELP WITH THIS, NO MORE PHONY VERIFIED STATEMENTS FROM THEM.