davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WI)

On XX/XX/2022, Navient reported to XXXX that my student loan account was more than 100 days past due. 
1. Navient, at the time, was not the servicer of my student loans, having been terminated by US D of ED for savaging borrowers ; 2. No student loans were due in the 100 days prior to, by order of POTUS ; 3. Navient, prior to their report, and due to # 2, denied me access to their payment portal because of # 1 above. 

My credit score moved from XXXX ( excellent ) to XXXX ( fair ) effectively walling me out of affordable credit. My credit score should not reflect late payments from a company that was not the creditor, for payments it refused to accept, and for a loan portfolio that is not theirs. Navient should be held financially liable for this malicious and capricious " parting shot. '' US D of ED advised me to work it out with Navient, a bit like going back to the mugger to beg your wallet back. XXXX advised that Navient has assured XXXX  everything is AOK. 

Navient, at the time, was not the servicer, no payments were due, and Navient had actively and deliberately blocked me from making payments for more than 100 days.
Consumer complaint received 2018-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

on XX/XX/18 I attempted to transfer {$740.00} from my PayPal business account XXXX into my main business bank account. When I attempted to do so I received a security check for this transaction and was told there would be a delay and that they would have to review this transaction first. I contacted PayPal via their customer service line at XXXX PST on this day and spoke with XXXX operator number XXXX as he identified himself. I inquired about this transfer hold and he said it was a risk notification from " their algorithms ''. I said " What risk would that be as this transaction isn't outside the scope of our normal business? '' I mentioned that we did have an open dispute with a client but we had already submitted our proof of service to counter this claim. 

He said that there were XXXX 's of things the system looked at and that it was proprietary. I told him that if I walked into a bank and they placed a hold on a transaction they'd have to explain why and that there are regulations for holds like Regulation A, B, C etc ... 

He told me that they were not a bank but a payment processor and the only rules that they had to adhere to was regulation E. Surprising that he knew regulation E for someone who didn't know that there was a regulation A B C and D. He then told me that this was a part of the user agreement that I agreed to when I signed up. He said I could click the legal link at the bottom of the page. I asked him to point me to this specific area where I could find this user agreement. He told me he didn't have time to direct to me to his user agreement and that I should find it myself. So he couldn't tell me why the transfer needed an additional review and he refused to direct me to the policy and there are no rules it's just whatever the system says. This makes absolutely zero sense.
Consumer complaint received 2022-06-18
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. (WI)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX has violated 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (AL)

The online brokerage app, Robinhood, has restricted me from withdrawing my own funds from their platform and has provided no reasoning specific to my account. They informed that restrictions such as these may happen if a consumer 's account is in the negative or a previous bank transfer attempt has failed before, but neither of these cases applies to me so my account should not be restricted.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Wells Fargo, N.A. 
>Late payments on accounts with other creditors >Too many inquiries or applications for credit The information is not only inaccurate, but has no legally-valid basis for consideration in making a credit approval decision. Under 15 U.S. Code 1681, Wells Fargo, N.A. has engaged in adverse action by unlawfully denying me access to a line of credit. A letter detailing these violations has been mailed to Wells Fargo, N.A. Underwriter on XX/XX/2023 to correct these errors.
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Has Violated 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  account : XXXX XXXX XXXX # XXXX, and XXXX XXXX # XXXX, and Child Support # XXXX. Has violated my rights. 
15 USC 1681 SECTION 602 A. STATES, I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1692d-HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONSEQUENCE OF WHICH IS TO ABUSE THE HEARER OR READER. ( CAUSING MENTAL ANGUISH ) 15 USC 1692 b. ACQUISITION OF LOCATION INFORMATION.

ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER FOR THE PURPOSE OF ACQUIRING LOCATION INFORMATION ABOUT THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT TITLE 15- COMMERCE AND TRADE CHAPTER 94-PRIVACY SUBCHAPTER I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX. XXXX, XXXX XXXX, has violated 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-04
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-03-04
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XX/XX/XXXX, my XXXX XXXX credit card with a XXXX balance ( sold in XX/XX/XXXX ) changed to a charge off with a balance remaining of {$4400.00}. I disputed this item with XXXX XXXX and they verified it as accurate and updated the XXXX XXXX tradeline as dispute resolved with grantee. This tradeline is inaccurate and extremely damaging to my credit reports
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This is my refiling complaint for EXPERIAN. I believe that inaccurate information about me is being reported. In my credit report from XX/XX/2024, I still see these erroneous information that I didn't know about. I discovered account with incorrect information, such as payment history, status, balances, and the date of the last activity, as well as late payments that had never occurred. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection, and a customer revealing organization can't outfit a record without my instructions. I have attached the FTC report number XXXX to support this complaint.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of XXXX accounts showing up on my credit report " XXXX '' ... ... all XXXX times that ive challenged them, they have come back verified as accurate ... how is this possible? they are not conducting proper investigations is the answer ... i have attached a copy of the report with all of the inconsistencies circled,,,,, THIS ACCOUNT HAS BEEN RE AGED THIS IS A VIOLATION
Consumer complaint received 2020-02-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (TX)

I have talked to Conn 's several different times regarding our 3 accounts with them. I am in a Debt Program and these accounts could not be included. I worked with them to get the 3 accounts refinanced into 1 account to get payment lowered. We got that to what I thought was a final deal. I received the Promissory Note and Security Agreement signed and with a payment being dueXX/XX/2019. Now I called to make the payment and there was no such account set up but could see that it was being worked on. Well, its still being worked on. I now get 10 calls a day approx. and emails from the mitigation dept and since XXXX all of the accounts with Conns have gone on to hit my our credit and I might add, I had to put a down payment on all three accounts to do this and it was done. Now they are threating to charge off and I haven't even made 1 payment on this refinanced account. They tell me its going to be repaired and yet still waiting and still receiving marks on credit. Not sure what else to do. Please help me. Sorry it wouldn't allow the whole refinance document.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CT)

GM Financial misapplied my personal property tax payments made in XXXX, XXXX and XXXX, XXXX, resulting in their sending monthly billing notices to me throughout XXXX for XXXX-due. Despite my repeated attempts ( over a year ) to get the misapplications corrected, GM Financial would not acknowledge that it was their error until I finally located a customer service manager in early XXXX, XXXX who agreed and I reached an agreement to make a " catch-up '' payment in XXXX, XXXX once the account structure was corrected, which I did on XX/XX/XXXX. Instead, GM Financial that same month reported me as " past-due '' to the credit bureaus, despite the agreement I had reached with the customer service manager. This result is the epitome of a " Catch-22 '' and I view this as an unwarranted and untrue punitive credit reporting action, and my attempts to get this reversed or corrected have been ignored to date by GM Financial - it is evident that they have the " power '' despite the gross inequity of the action. The payment history GM Financial submitted in response clearly defends my version of how they misapplied my payments but conveniently omits any reference to the ongoing dispute I was trying to rectify for over one year.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I requested a hardship program because I was out of work due to medical issues and had falling behind by two payments. that went from XXXX per month to XXXX so XXXX stated that my payments would be lowered to XXXX per month for 12 months. to give me the opportunity to catch up. I was told as long as I make timely payments that I wouldn't be removed from the program. so I asked if they could do automatic payments they stated yes. so we set them up. I recieved paperwork in the mail in which I still have, and since the original call XXXX has been reporting to the credit bureau as me being delinquent. and I feel as thou this is unfair to not only me but to any consumer.
Consumer complaint received 2020-02-03
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: EQUIFAX, INC. (OH)

I recently conducted a review of my credit report, and I noticed that your agency showed Several credit inquiries that I find to be problematic. 

The inquiries in question were apparently made by XXXX XXXX XX/XX/XXXX. XXXX  - Card Service XX/XX/XXXX, XXXX - Card Servic XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, I have no recollection of doing any business the listed companies Equifax Has refused to remove these items and has entertained it to affect/impact my credit. I contacted all of them and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me, to call the credit Equifax.
Consumer complaint received 2020-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian Data Breach Litigation mailed me a bad settlement check that bounced on XX/XX/2020 which is the last day to deposit. 
{$8.00} bad check and {$12.00} bank fee for bad check from Experian. 

Experian Data Breach Litigation XXXX. XXXX  XXXX XXXX, KY XXXX I filed a complaint against Experian Data Breach Litigation on XX/XX/2020 and no refund issued. Complaint # XXXX
Consumer complaint received 2018-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On my PayPal app I received an alert that I have sent XXXX, XXXX XXXX, {$22.00} GBP which is {$30.00} USD. I never authorized that money and i dont even know who that is. This happened on XX/XX/XXXX at XXXX XXXX EST. I have filed a dispute but they will not follow up with me instantly and this XXXX XXXX person is supposed to fully receive the money on XX/XX/XXXX. I think I may have gotten my account scammed. I already changed my password. Please help me get my money back
Consumer complaint received 2022-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (GA)

I am a XXXX XXXX XXXX man trying to pay off my federal student loan debt before I die. I had a loan with XXXX  and then it was transferred to XXXX but serviced by ACS in XX/XX/XXXX ( ACS serviced loan from XXXX to XXXX ). I had many calls and emails to ACS over the years because my payments were allocated in an unfair confusing manner. Even when I paid early my interest would be higher than the previous month. XXXX finally took over to do their own servicing starting in late XXXX. I have paid XXXX directly since then. I have recently consolidated my loan from XXXX to a Direct Loan with the Dept of Education ( XXXX ). They however can not verify my payment with ACS because they no longer exist. Where are their records? Conduent has not responded to my emails. 

I need help in getting ACS ( or their successors Conduent ) to provide certified records of payments I made to them from XXXX to XXXX.
Consumer complaint received 2021-09-08
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: PNC Bank N.A. (NY)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft PNCBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I have a Citi Best Buy Visa Credit Card. 

On XX/XX/XXXX, I purchased an item for an amount of {$760.00}.

On XX/XX/XXXX, Citi issued me a Credit Card Statement with a due date of XX/XX/XXXX with a balance of {$760.00} with Minimum Payment of {$27.00}.

On XX/XX/XXXX, I returned the item to the original store for a full refund of {$760.00}.

On XX/XX/XXXX, Citi issued me a new Credit Card Statement with a Late Fee of {$27.00} and blocked my Credit Card. 

I called the Credit Card Customer Service XXXX. I explained the situation. The representative was able to access my account. But they said they can not do anything until I pay the Late Fee of {$27.00}.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

On my Experian Credit Report I have 1 account in collections with XXXXXXXX XXXX XXXX with an amount of {$870.00} claimed to be owed to them. I have disputed this account and they come back with, " this account is confirmed ''. I have requested all documents and I received nothing. 

XXXX has sold this account to continually refresh the open date for a fresh 7 year debt collection process. On this account, as reported to XXXX it says " Date Opened : XX/XX/XXXX ''. It then says, " Date Reported : XX/XX/XXXX ''. Then the XXXX report says " XXXX XXXX  : XX/XX/XXXX '' which is 7 months before the account was even opened. 

I called them at XXXX on XX/XX/XXXX at XXXX XXXX, and was told that I was speaking with a Collection Agency, so the information on the XXXX report again is not correct. The collection agency then stated that the actual account was opened with XXXX originally in XXXX of XXXX, this is not what the credit report reflects. Then they said the address was XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was living on XXXX XXXX XXXX , yet the account and the debt is confirmed to be mine. 

I feel like XXXX is owned by the mob and they just keep selling the data and getting it pulled back into their office and the calendar of seven years restarts again, this is unethical and inaccurate information in complete violation of the Fair Credit Reporting Act. 

If it remains on my credit report, I demand to see the original loan application information for it to be verified by humans and not a computer program.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (NJ)

Basic code of 15 usc1681 ( b ) ( 2 ) any company reporting on your consumer report needs my written permission to do so.. if my permission was not given you violated my rights to privacy pursuant to 15 usc 168 ( a ) ( 4 )..