davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AR)

In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Experian Consumer reporting agency regarding the account ( XXXX XXXX ) that still remains on my credit report which was established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from XXXX Credit Report. I've sent Experian Consumer reporting agency several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect Experian to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report
Consumer complaint received 2018-08-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc. (CA)

Delta Management Associates , Inc. sent fraudulent wage garnishment papers to my place of employment. They did not contact me first, did not provide me with a chance for a hearing, did not validate, nor verify the debt, and they are not a guaranty agency. As a third-party debt collector, they should not have sent garnishment papers, due to their lack of guaranty status. I tried to resolve the matter via CFPB complaints, a XXXX   complaint, a complaint to the California Attorney General and through direct communication with Delta Management Associates , Inc . I was unsuccessful. I then went to Small Claims Court and obtained a judgment. I still have not been paid, and the garnishment has not been stopped. In other words, I was garnished again after the judgment. I have included the judgment and would appreciate the return of my funds and the cessation of a fraudulent garnishment. Thank you.
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (AZ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2019-01-08
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: Experian Information Solutions Inc. (NJ)

After submitting proof of payment to XXXX  several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in 2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX and XX/XX/2017 I received a hard inquiry from American Express, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from American Express, nor did I receive or benefit from one.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc (IN)

I was trying to fix my account yesterday by putting some cash in the bank and paying back PayPal, I had XXXX dollars i owed to PayPal and about XXXX for my bank, I fixed my banking issue and gave PayPal a little over XXXX using the cash pay system for certain stores, I pay off both, go home, hoping the problem is over, check my account today and my bank has charged me XXXX dollars in overdraft fees, PayPal charged me again for the XXXX dollar fee, putting my account back into the negative and that made my bank charge me XXXX dollars again. They did however left me the other XXXX from when I paid them off using XXXX but that does not change the fact that my account is negative XXXX atm. I went on the messaging system, was meet with the automated message saying they are reviewing my message.
Consumer complaint received 2019-01-08
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: EQUIFAX, INC. (NJ)

After submitting proof of payment to XXXX several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in 2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This has been on going on several month. 

i am NOT able to obtain Credit Report from Transunion i called them several times to correct the issue but i just get run around and nothing gets resolved. 

this is very frustrating and affecting my personal life. 

please help!
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX RE : XXXX Complaint against Macy 's Hello, I did not appreciate CFPB closing this complaint before I was done. 
I am paying Macy 's although I do not owe the money. They are a huge company and very aggressively attacking me. How can I pay a dept that, first, I do not believe is mine, and second, they will not send me a statement! 

When I called Macy 's I was told I had a balance of {$160.00}. I sent payments equaling {$170.00}. I received a letter from XXXX XXXX, from Macy 's, dated XX/XX/XXXX saying I still owed {$56.00} and about 20 pages from when I had an account back in XXXX. All useless. 

I am paying the {$56.00}. NOT because I owe it, but to get rid of them. 

I want to thank CFPB for getting this to the point of resolution. Macy 's ignored me, refused to email me using my new email address, refused to mail a statement to my physical address, which they have. 

It took CFPB to get to the right address and person. Although the outcome gives Macy 's {$56.00} it is a small amount to pay to have Macy 's leave me be. 

Thank you so very much.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CIT BANK, NATIONAL ASSOCIATION (MI)

CIT Bank Contacted bank about higher interest rates published, but my account receiving a lower rate, asked bank to extend the higher rate, they said you must open a new account, even thought the existing acct was identical in structure, terms, fess etc to the new account. Instead i asked to close my account and transfer all funds to the external account on file. CIT claimed it would take over 1 week before they could close account and transfer funds. 4 days later they asked for the external account routing and acct numbers, which they already had, or they would send a paper check. CIT is very underhanded and difficult to work with, easy as 1,2,3 to set up an account very challenging to close an account and get your funds.
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I paid a hospital bill and then i noticed that i had the exact same amount in a collection on my credit report. i have tried to tell the company that i paid this already, i've tried disputing it with the credit bureaus but have been unsuccessful. Please help
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AL)

I was able to get a forbearance with Navient, but I didn't ask for one. I am on the PAYE repayment plan. However, I went through a hardship financially and there were no other options given to be but a forbearance. They said I couldn't defer. I owe tons of money and my debt just keeps going higher and higher due to the interest. I paid constantly for 2 years on this program and never noticed it going down. Once I got the updated schedule for my PAYE plan with the forbearance, I noticed my interest will be over 33k in the end. This is highway robbery. I already paid enough to attend college and then expected to pay XXXX on top of that for interest. I am so disappointed in our system. Additionally, I have asked multiple times why my balance keeps going up and the response is always interest. I am so sickened that they feel ok charging students this much in interest. Additionally, I have auto payments set up. I was having issues deleting and still do a bank. When I emailed them, I got a default answer. I needed the bank removed and it was not working. This could cause a problem and bounce a checking account.
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/XXXX I opened an account with a Truist bank! I started the checking account due to me having an part time job. I lost my wallet with over half of my identity in it. Down to my social my state ID, there were some Passwords in my wallet too but none of them were to get into my account but my email and the emails Password was there. I see mobile deposits on XX/XX/XXXX for {$150000.00} and some transactions taking in XXXX XXXX. I do not live there or have any ties related to the place. My XXXX XXXX card was also in my wallet and i see two money transfers to my account! Which i havent used! I dont know the XXXX XXXX that it was sent to from my XXXX XXXX  either. and im assuming someone took all the money off of the truist card Im unaware of these transactions and would like to file this compliant thanks!
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX  XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

A dispute letter was sent to the following three credit bureaus, XXXX, XXXX and XXXX for the company Portfolio Recovery Associates on XX/XX/XXXX. The results of the dispute did not fix the error on any of my credit reports. The account is still reported as opened in XX/XX/XXXX and remains open and the original creditor, XXXX XXXX, does not show on my credit report, nor reporting any action.
Consumer complaint received 2022-03-09
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (OK)

We was going threw this divorce and had no jobs no help my husband left me with it all on me I had XXXX kids no money I had nothing he let it go back he was the one that had job for the car and still hasnt payed one dime in child support so I can pay this off he should be the one with all this on him I get stuck
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I previously disputed the phone transfer costs with XXXX and XXXX XXXX XXXX XXXX The dispute was successful and all collections were removed. The collection company was XXXX XXXX XXXX XXXX XXXX XXXX The collection was officially removed XX/XX/2021. Since then it has been sold to a company names Receivables Performance. This is a duplicate of an item previously disputed and should be removed from my credit.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital Ones website states, How soon can I use the funds I deposit with my phone? If your deposit was submitted on or before the business day cutoff ( XXXX XXXX. ET ), your funds are generally available by the next business day. Sometimes, we might place an extended hold on your deposited funds. If we do, we'll notify you on when to expect your funds to be available for withdrawal. 
For some reason no matter how small the deposit is it serms I always have to wait 5-6 days for my funds ti be available, and no one can explain or give a definitive reason as to why. I have searched and emailed top ranking people of capital one and still received no kinds of answers. I have had on-going issues with capital one from the start. They have blocked my access to use bank features like XXXX  claiming fraudulent activity yet no one could explain or tell me how to resolve the matter. They blamed and pointed me to XXXX and XXXX said it was on capital one. I even went as far as having the XXXX  rep on yhe phone with tge capital one rep. I am advocating for everyone I know to shut down tgeir accounts with capital one and bank elsewhere.
Consumer complaint received 2021-12-29
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: Kikoff Inc. (PA)

I send a lettter to the credit bureaus on XX/XX/2021 certified mail stating that i never gave them consent to report these accounts on my report these things or hindering my identity.

According to 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.
Consumer complaint received 2022-03-09
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. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX CONTINUE TO ADD THIS ACCOUNT THAT IS NOT MINE TO MY CREDIT FILE AND EVEN AFTER SUBMITTING MY FTC REPORT AND LETTER ( SEE ATTACHED DOCUMENTS ) THEY CONTINUE TO SWITCH UP DEBT COLLECTION COMPANIES TO PUT THESE ON MY CREDIT FILE. AN I HAVE REALLY HAD ENOUGH OF THE TRICKERY AND SCARE TACTICS THAT THEY ARE USING. XXXX HAS NOT REMOVED/BLOCKED/DELETED THE LISTED ACCOUNTS FROM MY CREDIT FILE XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX. TRANSUNION HAS NOT REMOVED/DELETED/BLOCKED- XXXX XXXX XXXX.
Consumer complaint received 2022-03-09
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. (NY)

I am submitting this complaint against Transunion for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need TRANSUNION to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PAY-O-MATIC (NY)

XXXX Sponsored XXXX XXXX XXXX. 
Upgrade to XXXX  RE : EMPLOYMENT CHECK XXXX. 
To XXXX & 20 more XX/XX/XXXX at XXXX XXXX  I am writing in regards that I received an check that was not cashable. Therefore, correcting the matters for future reference from reoccurrance. 

On XX/XX/XXXX, I received an check for the amount of {$390.00}, for the period beginning of XX/XX/XXXX and ending XX/XX/XXXX, check number XXXX issue to XXXX XXXX, Sales Associate ID : XXXX. 

The check that was issued to me had an issue at PAY-O-MATIC, loss and Prevention Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The Letter I received from Pay-O-Matic stated, " The following check was returned to us unpaid for the reason listed below. The items was cashed for value, in good faith, in due course and without notice of defect. 

Maker : A Division of The Department Return ID : XXXX Check # XXXX Return Reason : Stop payment- C Check Date : XX/XX/XXXX Returned Date : XX/XX/XXXX Check Amount : {$390.00} Returned Check Fee : {$30.00} Total Amount Due : {$420.00} We can not redeposit this item an require that you remit full payment to us in the amount of {$420.00}. '' I would like an full investigation on the matter investigated. This is not supposed to be happening. At this point this looks intentional and deliberate. 

Thank you for your time an consideration, it is greatly appreciated. If I can be of further assistance to this matter you can reach me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I traded in my car with XXXX XXXX XXXX XX/XX/XXXX. They are still reporting to the credit bureaus. The first time I called a lady told me my payout was paid on XX/XX/XXXX. So I waited a month. Now its another month later and they are still reporting. Tried to get in contact with someone but no one has fixed the problem.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank, Ultimate rewards mastercard. My account was frozen due to to unknown reason. I tried to call their customer service multiple times and only took me to the fraud department which was and is closed, unable to reach anyone. My auto pay got disrupted, after the card was frozen so I made a late payment and reached someone by pressing zeros and not entering my account number. They transferred me to the fraud dept which is still closed. Now I have a frozen account, a late payment, unsure if they will waive the fee and do not want that on my credit report. I can't reach anyone on the phone or via their online messages, only a closed fraud department. I am trying to buy a house and do not want this late payment on my account due to their XXXX. I also can not use my card and haven't been able to have it resolved for weeks.