davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

During 2019, I was experiencing financial hardship and decided that consolidating my private and public loans into one big loan to get the interest rate down was the best option to help me get my loans paid off and on time. I decided to move forward with refinancing through XXXX. 

In the last quarter of 2019, I called Navient to let them know of the decision I had made and requested that the six loans I have with them ( totaling {$28000.00} ) be placed on deferment while I waited for XXXX to walk me through my options of consolidating all of my loans. 

The Navient customer service representative over the phone told me they would place the loan on deferment and I would not need to make a payment for 90 days. The customer service representative was inaccurate in the information they gave me as they FAILED to put the loans in deferral mode. 

Although I was clearly communicated to that there was no need to make a payment for the days outlined while I waited for consolidation to process, this misinformation caused there to become a failure to pay. With that being said, once I found out there was any sort of inquiry on this loan, I was forced to make an immediate payment but was still penalized for the inaccurate information the representative gave me. 

I am experiencing ample credit issues now due to the failed processing of my approved deferment and inaccurate information given to me by the Navient representative.
Consumer complaint received 2021-05-10
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 (NY)

Pay Pal closed my account for no reason and will not help or assist me with getting my account back and running so that Im at least able to transfer my balance to my checking account. Im not sure if this was a mistake but I assume it had to be. Ive been reaching out for over 6 months with hopes that they would assist me with this matter to no avail. So I am reaching out to the CFPB because I feel like Pay Pay is not doing anything to resolve this matter. In which has led to me losing my apartment and car because of this situation. My email attached to my PayPal is XXXX XXXX
Consumer complaint received 2021-12-13
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: Paypal Holdings, Inc (NY)

Paypal allowed someone to go into my XXXX acct via my paypal acct. XXXX and paypal both refunded me the money. XXXX stated paypal paid me and took they money back out my acct. Paypal decided to allow XXXX to think paypal paid me and took the money out another account I had with paypal. On XX/XX/XXXX XXXX took XXXX out and again on XX/XX/XXXX. Claiming it was pay paypal. So I was never refunded any money.
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (TX)

On XXXX XXXX, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 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 items within 30 days give reason to immediate remove these items from my credit report. It has been well over 30 days so the should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (SC)

Paramount Recovery SYS started reporting on all three of my credit files back onXX/XX/XXXX. I noticed the hits back in XXXX I started disputing the suppose debt immediately. I tried calling the company line was always busy XXXX XXXX the XXXX I tried calling the company again and was successful with getting a agent on the line. The agent I spoke with stated that she did see an account however it was close and deleted off all three files. She validated the account and confirmed it was for {$730.00}. At that time I thought this account would be close and removed since I never received and responses from dispute letters sent to creditor and the credit bureau. On XX/XX/XXXXI contact Paramount Recovery to check the status of the account being removed and the agent I spoke with told me this account was not close and only in a dispute status. When questioned the agent said the debt was transfer from another debt collector and it was limited info. I was never notified of this account via letter or phone call. The agent stated a letter was sent out back XX/XX/XXXX. I never received anything. I ask the agent what information was sent out in the letter she stated she had no idea. I asked the agent how can your company place something on my credit file and never reply to my dispute letters or send me any information regarding the debt. The agent said you have to request an itemization well I did when I disputed the debt. The rep confirmed the company received my disputes from the credit bureau only and not from me directly I submitted to them both. The agent confirm the letters were receive XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2023-06-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (IA)

In XX/XX/XXXX I took out a payday loan in the amount of {$1500.00} from Explore Credit. XXXX I revoked the rights for XXXX payments. On XX/XX/XXXX, Explore Credit sent an email confirming the revocation of XXXX payments. Fast forward to XX/XX/XXXX. An unauthorized payment of {$50.00} was taken from my account which resulted in an overdraft. On XX/XX/XXXX and other XXXX  payment came through my account t in the amount of XXXX with another overdraft fee. Although, in short order, the XXXX was returned to my account. This is against federal law. Penalties should be enforced plus my loan forgiven.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/2019 my apartment at XXXX XXXX XXXX XXXX XXXX flooded and looted and I had to abandon the apartment and someone got a hold of my credentials and debit cards and fraudulently committed fraudulent charges and fraudulent transactions and depleted all of my Wells Fargo Bank accounts. XXXX XXXX XXXX and XXXX was affected by the financial fraud also but immediately accepted responsibility. Wells Fargo Bank has not accepted responsibility.I submitted DC police report XXXX.
Consumer complaint received 2021-12-13
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. (WA)

This complaint will now constitute my forth effort of getting a number of fraudulent inquiries that are being reported on my Trans Union consumer credit report removed. I sent in a dispute via regular mail in early XXXX of this year that I received no response to at all. I then called to follow up after the XXXX days they are allowed by law to respond by had passed and was told by several representatives there that they never received a letter from me and that in order to get these inquiry removed I would have to file an FTC report. So that is what I did. My FTC report was filed on XX/XX/XXXX. I filed a CFPB complaint which I attached that FTC report to on XX/XX/XXXX. I received a response on XX/XX/XXXX that there was an unauthorized third-party, which there was definitely not, I filed the complaint myself as I do not work with any credit repair specialist or anything of the sort. Their response noted that they needed me to contact them for authorization. I immediately called them and spoke to several representatives and was informed that they had never received the CFPB complaint and that they were unable to help me at all which I found extremely odd considering they had replied to the complaint. 

I also sent in another dispute letter via certified mail on XX/XX/XXXX That included all identifying requirements and also the FTC report. Again I got no response to this. 

I called in to Transunion again on XX/XX/XXXX to check on the status of my dispute. Again I spoke to several representatives, one being a supervisor and was informed once again that they received nothing from me. Which is very suspicious considering that I have the delivery receipts for the dispute letter that I sent in certified mail and the fact that the CFPB complaint that was submitted on XX/XX/XXXX was responded to by them and was closed on XX/XX/XXXX. 

At this point they are in violation of the fair credit reporting act, and are noncompliant under that act for failure to respond in the allowed time. I also feel like I have been given the runaround and been blatantly lied to considering the receipts that I have against their claims of not receiving any documents from me. 

Below you will find a list of all the fraudulent inquiries that are reporting as of today that I would like removed immediately. I am attaching the letters that were sent in, the certified mail receipts, the FTC report that I filed, and the CFPB complaint that they claim they never received. 

XXXX. XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( XXXX INQUIRIES ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX Thank you
Consumer complaint received 2021-12-13
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. (GA)

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 2022-07-06
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

On XXXX XXXX an EFT via a debit card transaction thru VISA was authorized to a merchant known as XXXX XXXX XXXX in the sum of {$540.00} in settlement of a reversionary security interest, under duress by a former XXXX  in XXXX XXXX, Wi. The EFT was not cleared until XXXX XXXX, by Wells Fargo Bank, both the VISA debit card issuer and acquirer bank according th a VISA Financial Advice report in XXXX. 
But for the late processing of this EFT, the depositor was arrested and was in a Florida jail for 5 days on XXXX XXXX. Realizing that the depositor authorization under Regulation E the EFT, Wells Fsrgo Bank was subpoened on XXXX XXXX to produce documents. Wells Fargo Bank attorney, after being subpeoned on XXXX XXXX, stated the EFT was paid under Regulation E onXX/XX/XXXX. However due to a police incident report, closing this matter in XX/XX/, XXXX erroneously issued bench warrant for appearance and extradition to Wi.The false imprisonment due th Wells Fargo Bank mishandling for over 90 days and attested by Wisconsin Supreme Court was final paid on XXXX XXXX three days before the false imprisionment started.
Consumer complaint received 2021-04-17
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank, I can not use or access any of my Comenity accounts online due to a " system outage. '' I am on auto-pay and none of the payments have been automatically made, either. I'm receiving emails telling me I have more time to pay, until today. I still can not access my accounts. This includes my ALL Rewards XXXX, XXXX Credit Card, XXXX XXXX XXXX. This has been happening for a week.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint onXX/XX/2021 with Complaint ID XXXX complaining Bank of America took away my money on XX/XX/2021 without my authorization and agreement. However, Bank of Americas response intentionally shifted the focus on my authorizedXX/XX/2021 transaction which was not what I complained about. In the response BoA claimed the reverse transaction on XX/XX/2021 was because the senders account could not be debited. If senders account was not debited, please explain why my account balance increased from {$12000.00} to {$12000.00} and the {$500.00} was shown credited and available for my use on 2/3/2021. If the account balance increased from {$12000.00} to {$12000.00} and the {$500.00} was shown credited available for my use on XX/XX/2021, BoA apparently already debited or verified the sender 's account after the XXXX XXXXin on XX/XX/2021 ( Transaction XXXX ) unless the {$12000.00} was a misrepresentation. And if BoA already debited or verified the sender 's account for {$500.00} on XX/XX/2021 and showed it was available on XX/XX/2021, how could BoA later debit my account to reverse the transaction WITHOUT my authorization on XX/XX/2021? BoA assigned my case to Resolution Specialist, XXXX XXXX, and left a contact number for questions, however the phone always went to voice mail directly and they never returned my call no matter how many messages I left. They dont respond emails either. I would like to request BoA stop avoiding this matter and be responsible.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (CA)

I noticed there were XXXX charges at {$5.00} for XXXX XXXX when I logged in pay a bill. I contacted Aspire card services on XX/XX/2021 to report this as fraud. They told me this would be investigated and sent me a new card. However, in the subsequent weeks, I have noticed that the charges were never removed and I never received any notification of their investigation. I contacted them several times to find out the status ( on dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. Finally today, XX/XX/2021 they send me a form saying I have XXXX days to complete it. Within the form they sent is a section where I am to contact XXXX ( however you do that ) and basically investigate the issue myself. I have NEVER had a credit card company operate this way when I customer is notifying them of fraudulent activity.
Consumer complaint received 2021-12-13
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. (NY)

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 2021-12-13
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. (NM)

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurate
Consumer complaint received 2022-02-09
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. (NJ)

I am actively repairing my credit. I have paid off credit cards. The one XXXX XXXX credit card I paid off I closed. The other one is open and I am thinking of closing it too ( I dont ' see the value ). However experian has fraudulent charges on the report. The total balance is 0. The experian reports shows a balance of {$400.00} when in fact, it is paid-in full, in great standing and never late. However can anyone get a Great credit score if the information is wrong. 

Can you please assist?
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I contacted Citibank Credit Card applications to find out the status of my application, that was referred to me from XXXX, due to my exceptional credit score. 

I talked to XXXX, whom informed me that my application was denied, due to not being able to identify me. Case closed, ( See enclosed XX/XX/XXXX letter ), I was shocked to find that I was not allowed, ( trusted ), to identify myself, denied a way to fax over a utility bill, or ID, notary, something, to complete the application. I asked to talk to a supervisor, after a few minutes on hold, I was informed that XXXX was using some kind of security website, ( unknown ), and that I was found on it, and a phone number was listed next to my name, and XXXX was to call it, and if I answered, then my application would be cleared, but, if I did not answer it, then I would denied approval. 

I expressed some common sense here, stating, what if that number, ( which I did not know what number it was ), was disconnected, old, discarded, not mine, whatever, and again I was informed that this was their policy, and I was to be denied approval. 

Well, I wished XXXX good luck on that, and expressed that I spent too much time in this rabbit hole long enough. 

On XX/XX/XXXX, later that day, I finally found the Office of the President of Citibank, ( XXXX ) XXXX, and talked to XXXX XXXX. 

I explained the above to XXXX XXXX, and he seemed understanding, and asked for some time to INVESTIGATE the situation further, and he would contact me with his findings. 

I called his direct line, and left a message on XX/XX/XXXX, asking for an update ; I never received a callback, as a matter of fact, as of the writing of this complaint, XXXX XXXX, never contacted me again. 

On XX/XX/2021, I called XXXX XXXX, again that went to voicemail, ten minutes later, I received an email letter from his department, ( See letter dated XX/XX/XXXX ). 

That letter dated the XX/XX/XXXX, is the same response that was the same as, when I talked to XXXX on the XX/XX/XXXX. 

In fact, that XXXX XXXX, did nothing, but waste time.