davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened an asterisk-free checking online and electronically deposited funds into the account. On XX/XX/XXXX I removed all funds in the account leaving a XXXX  balance. I called on XX/XX/XXXX to close the account. I was told the withdrawal of the funds had not fully cycled and that I would have to call back to close the account. I contacted the company on XX/XX/XXXX to close the account. The associate told me that it is " bank policy '' that based on my location that I had to come into the office to close the account. I informed the associate that given my circumstances it is less than convenient to do so and that I didn't understand how a fully virtual account opening, electronic deposit, and then electronic withdrawal would then require a physical presence to close a {$0.00} balance account after I had been fully authenticated on the call and instructed them to do so. He said simply that it was their policy. It seems unethical to require an inconvenience for customers who choose to stop doing business with them to have to physically show up at branch when all the preceding actions had all been virtual. Is it their policy to cause this inconvenience?
Consumer complaint received 2018-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I attended XXXX XXXX in XX/XX/XXXX and graduated in XXXX. I was XXXX when I started and just walked the stage and they took advantage of that. They promised multiple things that turned out to be untrue. They told me any school in the country would take my credits once I was done with graduation. Which I later found out was a untrue They promised that they would place me in a job close to graduation. Another untrue deception. They pressured and mislead me into enrolling and taking out loans that I had no idea what or how they worked. I did not even know I had private loans until I had to pay it back. They lied about what I was guaranteed to make once I graduate. I was shown a chart that said 91 % of the people in my field made a average of XXXX XXXX dollars within the first 2 years post graduation. My degree is useless. I got my job without needing my degree from XXXX. Most employers dont even consider it a real degree. Someone in HR at a job fair once told me I shouldnt even put them on my resume. They have violated several laws and worked with lenders to create even scandals. Navient/sallie mae also has completed wrongful acts on my loans as well. Both my private and federal. They missallocated payments several times. There are unexplained payment reversals. I try to call and auto phone system never gets me to a live person. Almost all my private loans that I paid on show that the payments made went straight to interest and XXXX to principle. XXXX XXXX have violated laws and mislead me. This is illegal and unfair. I was constantly told I had to put my federal loans in forbearance when I found out I had other options. You get different answers every time you call and are transferred 12 times. Their website makes everything not make any sense and is very hard to understand when you have several loans. I would like all loans discharged and refunded every payment I every made to them due to violating of the law and misconduct.
Consumer complaint received 2018-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (WA)

THIS DEBT IS YEARS OLD AND DISCHARGED IN BANKRUPTCY YEARS AGO. XXXX THEY SAY I OWE IS FRAUD AND UNFAIR PRACTICE. XXXX XXXX   IS CROOKED ...
Consumer complaint received 2018-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I CONTACTED COMPANY WHO WAS COMPLETELY RUDE AND UNWILLING TO PROVE DEBT. THEY SAY I OWE XXXX AND ANOTHER AMOUNT OF XXXX. ON XX/XX/17
Consumer complaint received 2022-07-10
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. (TX)

After sending multiple OFFICE OF THE ATTY GEN - XXXX disputes XXXX ( Report # XXXX ), XXXX ( Report # XXXX ), and XXXX ( Report # XXXX ). Experian Remove and or Suppress you have not done a proper investigation and reinvestigation because you marked OFFICE OF THE ATTY GEN CERTIFIED AS ACCURATE which is impossible XXXX deleted XXXX and XXXX deleted XXXX. Why is it that XXXX and XXXX both removed this account for unverifiable information and inaccuracies but you continue marking CERTIFIED AS ACCURATE without completing an independent investigation. 

Experian please, Remove because you marked this account 180 Days late XX/XX/2022 without first being 30 days late, 60 days late, 90 days late, 120 days late, or 150 days late. 
You have had multiple times to correct or fix the issue. Remove within the next 15 days. 
Please, mail a full copy of the Dispute Results when complete! 
XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX
Consumer complaint received 2018-08-24
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: BB&T CORPORATION (IN)

I have inquiries on my credit report on equIfax that does not belong to me from XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.
Consumer complaint received 2018-09-14
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

I have discussed with XXXX XXXX XXXX on several occasions about the multiple phone calls and emails that i have been receiving. The first time was in XX/XX/2018, i received a rude and very disrespectful call from numerous employees from that company requesting payment on my car note. I let them know that i am not able to pay at the moment and the representative continued to interrupt and make numerous threats to me if i did not make the payment. I told them at that time to not contact me by phone anymore. 

in XX/XX/2018 I received an email about a late payment. I made contact with Prestige to let them know my plans. The woman ( rep ) on the phone was really rude to me at which i passed the phone to my husband to speak. He told them at that time to cease all communication via phone or email and to just communicate via mail. 


at the end of XX/XX/2018, i received another rude and disrespectful phone call from Prestige requesting a payment..at that time i let the rep know that i had requested a cease and desist on all phone calls and emails. She went on to explain that the cease and desist was only placed for email. she assured me at that time that she will place stop on all phone calls and emails. 

In XX/XX/2018 i started to receive emails again after repeatedly telling this company that i cease all communication. Some of the dates may be off but I'm sure they have all if our communication recorded. To this day i am still receiving email communication from Prestige. I would like for this company to respect my wishes and not contact me via email or phone anymore.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I made 2 bill payments with Paypal on XXXX XXXX using my personal account XXXX with phone # XXXX, one in the amount of {$150.00} and the second one in the amount of {$90.00}, file uploaded. When I made the payments they showed up successfully. When I contacted Paypal today because payments are not showing with the credit card provider, they told me they only showed one transaction for {$150.00} as denied by my bank as insufficient funds. I had money in my account at the time the payments were made and that money is still sitting in my account. I have a statement from my bank also stating they never receive a transaction from Paypal, file uploaded, therefore the transaction was denied, Last month the same thing happen, but they stated it was denied by credit card company, and shortly thereafter sent me {$50.00} as a courtesy for rejected bill payment. 

Paypal system is costing me! My credit card payment is due by XX/XX/XXXX and I will suffer late payments of {$29.00} per account as well as a dig on my credit, this is unacceptable.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

On XX/XX/2019 I tried to remove my fraud alert over the phone and even though I answered everything correct they did not remove it. They told me I needed to send in prof of my address and S.S #, so I faxed it to them. On XX/XX/XXXX I called to see if it has been removed and they said it was still there. I asked why it wasn't removed and they said they could read everything but my picture was not cleared. They asked me questions again ant i answered everything correctly, but they said they could not remove. I asked why if I answered everything correctly and they already have prof of my address and S.S # and she could not answer me. I asked them to talk to a supervisor and they would not. I had to them 6 times before she transferred the call but they hung up on me.
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are XXXX fraudulent accounts showing on my credit report that was not authorized nor opened by me. I have done my part by filing a police and identity thief report. I have agreed to press charges should the person or persons be located who used my identity. I am now requesting the following accounts be remove from the credit report XXXX XXXX account XXXX opened in XXXX of 2020 was not opened by me. XXXXXXXX XXXX account XXXX was not opened by me. I am not sure how these accounts were able to be opened because I can assure you they did not have XXXX forms of id. Please deleted the following accounts from the credit report being that they were opened fraudulently and not by me
Consumer complaint received 2022-07-10
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. (GA)

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 U.S.C 1681 1 ) IXXXX XXXX XXXX XXXX XXXX XXXX account # # # # # # # XXXX has violated my rights Hard Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All account above have violate my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX and XX/XX/2021 there were two separate student loans taken out in my name the first one was for the amount of {$19000.00}. The second one was for the amount of. {$11000.00}. The loans were taken out for my daughter XXXX XXXX who was raised by my parents not me I had no knowledge of any loans being taken out. I did not sign any paperwork I did not fill out any paperwork. I contacted the financial Institute and they had all false information. They had the wrong email address wrong address, wrong phone number. They have the correct information now because I gave it to them, these loans do not belong to me and I do not think its fair that I have made several attempts to try to get them off of my credit report so I am asking that a full investigation be made regarding these accounts
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XXXX XXXX XX/XX/XXXX XX/XX/XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Banking ORIGINAL CREDITOR : XXXX XXXX BANK XXXX XXXX. 
DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/XXXX ORIGINAL CREDITOR CLASSIFICATION : BANKING LAST REPORTED DELINQUENCIES : XX/XX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX BANK XXXX XXXX XXXX XXXX COLLECTION COLLECTION ACCOUNT UnknownLoanType Closed
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I received a gift card on XX/XX/XXXX at my retirement party but when I went to use it I was not able to use the card as it said there was a card error. I contacted customer service from the bank card : MasterCard/USBank. They wanted me to fax them a copy of my driver 's license and other information. I told them that the card was a gift card and I was uncomfortable with this but after talking with XXXX XXXX, the supervisor ( badge # XXXX ) she said that this was the only way they could help me. 
I went to the local branch office ( XXXX XXXX, CA ) and they were very helpful. XXXX, the assistant Branch Manager. He helped me to get the information I needed. He discovered that the card had been used at a XXXX  in XXXX on XX/XX/2018. I talked to the Dispute Resolutions Department as part of Bank and Risk Operations and faxed them a form that they requested from the Bank Branch on XX/XX/2018. 
On XX/XX/2018 I received a letter from this Dispute resolution department from USBank that was sent from XXXX XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/2018. There was no phone number to call so I called customer service who would not give me a direct number. I was put on hold for almost and hour before someone came back on the line to tell me he had to get a form to call me back in 24 hours. I did not continue the call at this point..
Consumer complaint received 2018-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I have parent loans with Navient. I became XXXX. They kept talking me into forbearance instead of income payment plan based on my XXXX and now my loan is so high I will never be able to pay it back.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Perfection Collection (TN)

The company called my children and used abusive language on their voicemail in regards to my account. They threat me on the voicemail and told me I better make myself available to be served when they are in my area. I have not received any phone calls or letters from them about a bill. The account with the original creditor was closed two years ago. I want them to stop contacting my family members and discussing information with them.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

Hello- I have a XXXX  's store credit card. I do use it and currently have a XXXX   balance. In XX/XX/XXXX I received a letter stating that I was going to get-or being upgraded to an XXXX XXXX XXXX XXXX XXXX. I already have an XXXX XXXX card + I don't want to pay for another credit card. It is not clear if there is an extra yearly fee. I have until XX/XX/XXXX to decline the card. My issue is that I have tried to call the XXXX number and tried several times to log on to the XXXX address to decline the XXXX XXXX card. It sends me to the XXXX questions page. Please help. I don't want the card.
Consumer complaint received 2018-09-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp. (FL)

This account World Omni Financial has submitted my account to collection wrongly. 
There was a case and we were working on settling the balance with XXXX XXXX  XXXX XXXX. XXXX stated they would wait while the balance of XXXX was being collected from the dealer of the new auto. It now says charged off and in fact has affected my credit score severely and as you can see this was paid on XX/XX/XXXX. We had been in many conversations and they had agreed to wait while I was speaking with XXXX. 
I was absolutely NOT negligent and need this to be corrected for my credit evaluation.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KY)

I paid my interest-accruing balance in full and they charged me interest. This is a new card and I wish I would have known about their practices before I signed up with them. My previous statement balance was {$6800.00}, which included my purchases for that month, {$150.00} balance transfer fee and {$5000.00} balance transfer. I made a payment on XX/XX/XXXX for {$1800.00} prior to my due date of XX/XX/XXXX. This would have brought my statement balance to {$5000.00}. I have an auto-payment set up and made another payment on XX/XX/XXXX for {$270.00}. This would have brought my statement balance to {$4700.00}. There was no remaining balance to incur interest. The {$5000.00} that I transferred is 0 % interest/deferred interest for 18 months. I received my new statement and there was an interest charge of {$1.00} on XX/XX/XXXX. I spent over an hour on the phone with someone in XXXX and they continued to argue about it. I was not able to resolve it.
Consumer complaint received 2023-06-13
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: PNC Bank N.A. (MI)

I have several problems with PNC bank they changed my monthly minimum payment from {$50.00} to {$160.00} per month. And never told me so they could say I missed payments and started charging me {$37.00} late fees. No one with a {$1500.00} balance pays {$160.00} per month minimum payment that is absurd greedy and just wrong. They need to be stopped. Also they wouldn't let me make a {$5.00} charge to pay for a {$5.00} XXXX skilled trades ad but they let someone on Arkansas use my account twice XXXX XXXX 2023 and XXXX XXXX 2023 for purchases of {$17.00} and {$16.00} saying I had to pay for it.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I never authorized any of these creditors to pull my credit report. I respectfully ask that all unauthorized inquiries be Deleted immediately from all three credit reporting bureaus upon investigating each unauthorized inquiry. 
XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Company Name is NAVIENT. I received notification in XX/XX/2017 that I was a class member of a class action lawsuit that was filed against Navient. When I went to make my payment in XX/XX/2017, I had to phone them because I did not receive a statement and that is when I was told that there was " no payment due '' on the loan because it was placed in forbearance due to the class action lawsuit and that they could not accept payments. Navient also told me that I would be notified when payments would resume. So periodically over the past year I would check the account online or call them and would be informed that it was still in pending litigation and no payments are due. Once again I just checked my account online and noticed that still no payments are due but the unpaid balance was much higher. I wanted to view my account history to see what the additional charges were and it still is not available for my viewing. So had to phone them for the answer and was told that it has been accruing interest, interest rate increases and fee 's since they placed it in forbearance. I am furious because this was never disclosed to me and I suspect it was being hidden because the historical transaction history was never available for viewing. The CFPB needs to step in because if this is happening to me and I am only 1 class member just imagine how many others are also being affected.