davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NJ)

In XXXX 2017 I received a notice dated XXXX XXXX, 2017, from XXXX XXXX XXXX XXXX that a XXXX, XXXX account in my name had been placed with them for collection of {$510.00}. I do not have nor have I ever had a PayPal, Inc. account # XXXX. Per the instructions in the collection letter, I notified XXXX in a letter sent by certified mail on XXXX XXXX, 2017,  that I disputed the claim, that the PayPal account number was not mine and that I had no outstanding obligations to PayPal. After the letter disputing the claim was sent, I received at least four phone calls attempting to collect the disputed amount. XXXX never sent me the promised verfication of the debt or a copy of any judgment as they said they would if I disputed the debt. On XXXX XXXX, 2017, I received second debt collection letter dated XXXX XXXX, 2017, from XXXX XXXX for this PayPal bill that is not mine. The amount of the account balance has risen to {$1000.00}. I have again written to XXXX and disputed the validity of the debt.
Consumer complaint received 2020-09-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (OR)

I applied with this credit union over two months ago and have provided ample documentation well past the point of identifying myself to the satisfaction of the Patriot Act. This discriminatory bank allows liars and cheats who scheme the system to open an account but my XXXX XXXX  name disqualifies me. 
They wouldnt turn down XXXX XXXX and his new child with their name nor would they deny XXXX XXXX who applies as XXXX. 
How do they suddenly get to be the naming party to decide my name isnt sufficient? This is racism at its finest.
Consumer complaint received 2017-08-08
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: COMMUNITY CHOICE FINANCIAL, INC. (FL)

After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.
Consumer complaint received 2020-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC (CA)

Alliant Capitol Management XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, NY XXXX This company will not stop calling me after several attempts of talking to them to convince them that I am not XXXX XXXX. This has been 1 year of harrassment. 
1. I explained that I had just received my cell phone & new phone #. Possibly the owner of the phone # prior to me. ... ... .the calls & voice mails kept coming. 
2. After 2 months, I registered my cell phone with donotcall.gov ( XX/XX/XXXX ) 2. After 3 months, I answered the call & explained I was on the do not call list. Please stop calling me. ... ..the calls & voice mails kept coming. 
4. After 4 months, I answered the call & yelled at the guy that I was on the do not call list & to stop harrassing me. I threatened with I would contact the Fair trade Commission. The guy agreed to take me off of their list. 
5. 3 months went by & it was quiet. 
6. XXXX XXXX the calls & voice mails started again. Today, XX/XX/XXXX, I called the phone #, XXXX XXXX. I asked for the company name & who I was speaking with. " XXXX XXXX '', he said. The guy said he could not help me unless I gave him my phone #. I stated I would not do that as I just wanted the name of the company & the address as I was putting in a complaint. He insisted that he could help me if I would just give him my phone #. I held strong & said " no, please give me your address. I have already fallen for the promise to remove my phone # from the list & that turned out to be false ''. He giggled. He thought that was funny. After he pulled himself together, he stated he would XXXX  it. He gave me the address, however, he gave me the city of XXXX. When I hung up, I XXXX  it myself & discovered his ploy.
Consumer complaint received 2017-10-18
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (MS)

XXXX of XXXX I called XXXX to make payments on four XXXX student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XXXX XXXX. I immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XXXX XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XXXX XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, XXXX closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help
Consumer complaint received 2020-09-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

On Mon., XXXX XXXX, 2020, I received two ( 2 ) letters from Select Portfolio Servicing regarding allegation that they received my regular monthly payment late. First, I have had this conversation to SPS in the past that I do not pay anything on the first day of the month, and that by law I have at least 10 days to make payment. My payments are mailed by the fifth day of the month once funds are in place by the 3rd. SPS ' representative named XXXX said he would notate that I did call but could not waive late fee. I reminded XXXX that due to President Trump 's effort to shut down some post offices and the slow down due to COVID-19, it was not my fault my payment arrived later than usual.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2022 Last 4 digit SSN : XXXX
Consumer complaint received 2020-10-21
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. (CA)

Adverse Account Reported by TransUnion by XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX regarding XXXX account placed for collection in XXXX, Balance {$220.00}. We have been XXXX XXXX customers for over a decade. XXXX came to our house with a free offer to sell their service and we declined at that time. We did not receive any services from them and have notified them of this issue. XXXX has not responded to our notifications.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX I deposited a check into my account at the Bank of America at XXXX XXXX XXXX in XXXX Colorado. The check was for {$3200.00} and I was told at the time of deposit that that the funds would be available the next day. However the next morning I received an email from Bank of America stating that they were withholding funds until XX/XX/XXXX because there was suspicion that the item would be returned. I found out later that day that the email contained a lie. I came to this discovery because I called the gentleman who wrote me the check and ask him to put a stop payment on the check and write me another check. When this gentleman called XXXX Bank to put a stop payment on the check he was informed that he would not be able to put a stop payment on the check because it had already cleared the night before. I am in a awful situation because I'm under contract to start this gentleman 's job tomorrow morning on XX/XX/XXXX and I have no money to start it with and Bank of America holding my money and will not release it under any circumstances I spent the entire day on the phone with customer service reps at Bank of America. With no resolve I've also emailed mr. XXXX as well as some other lady named XXXX XXXX at Bank of America asking for their help I have yet to hear back from them please help thank you
Consumer complaint received 2022-04-05
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. (FL)

I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is {XXXX} and the company name and address is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/year> XXXX XXXX digit XXXX :
Consumer complaint received 2020-09-21
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: SYNCHRONY FINANCIAL (OR)

On XX/XX/2020, I purchased merchandise at a TJ Maxx Store in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a TJX Rewards Platinum Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX, XXXX  and  XXXX  that Synchrony Bank had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted Synchrony Bank to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry.  They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with Synchrony. Additionally, I contacted the Manager of the TJ Maxx and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from Synchrony and XXXX  this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.
Consumer complaint received 2021-09-15
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: AES/PHEAA (CA)

I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.
Consumer complaint received 2020-11-19
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. (DE)

I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX  HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.
Consumer complaint received 2022-04-05
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: National Credit Systems,Inc. (FL)

I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is {XXXX} and the company name and address is NATIONAL CREDIT SYSTEMS Address : XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-11-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (CA)

Hello, In XX/XX/XXXX, I opened a 12 months CD with Marcus  by Goldman Sachs. Unfortunately, due to an unexpected circumstance, I will need to break the CD before its maturity date on XX/XX/XXXX. 

I called to find out what is the penalty that I will need to pay. Surprisingly I found that the penalty amount I need to pay will be higher than the total interest paid to me so far. 
This is an unfair practice as GS earned interest already on the money I deposited. However, as a penalty, they are charging me also for future interests they could have earned. 

The bottom line is that I am going to get less than the actual principal amount I deposited. 

I would appreciate any help to ask GS to reconsider the penalty amount to be more responsible and fair. 

Best, XXXX XXXX
Consumer complaint received 2023-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CT)

I recieved mail dated XX/XX/XXXX from Phoenix Finacial Services attempting to collect debt owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$1200.00} for Date of Service XX/XX/XXXX,. I am not familiar with the debtor on any Date of Service rendered by XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I contacted XXXX XXXX XXXXXXXX XXXX XXXX after finding them online. They indicated that there was no account under my name with my date of birth. They also indicated that they do not work with Phoenix for debt collection.
Consumer complaint received 2023-02-24
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 — Problem with personal statement of dispute
Company: PNC Bank N.A. (TN)

XX/XX/XXXX, I was notified that PNC BANK stopped reporting to the credit bureaus which dropped my XXXX XXXX XXXX points. After a year of investigation and 7 dispute letters, PNC Dispute Department stated that they would need the reaffirmation letter regarding my auto loan so that they can continue to start reporting back to the credit bureaus. PNC advised that they didnt have the reaffirmation letter from XXXX on record and thats all they would need to start reporting back to the bureaus. I have been working closely with their dispute department, 2 different associates in the department and they explained that all they would need was the affirmation letter and PNC will then start reporting it back on my credit report. I sent the required documentation in on XXXX. Today, XX/XX/XXXX, I received a letter stating that they arent going to report it back even though my auto loan has always reported to my credit report as a positive, active account - no payment has ever been missed or late. I am demanding this to be reported back to the credit bureaus on my report. I was given false information for a year and provided all necessary documentation. This is unacceptable and this should have never stopped reporting on my account.
Consumer complaint received 2020-09-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC. (GA)

I attempted to contact company several times to attempt to settle the debt since i was no longer able to make payments due to XXXX. I made payments based on what i could afford until i was not able to make payments when corona hit. I talked to several different reps who told me that I could not settle and make payments until it was down until i could pay off. The company is very rude provide inaccurate information from rep tp rep and calls 5 times out the day and when i answer the reps always hang up. My contacted company on XX/XX/2020 and advised that i previously requested for a settlement that i could pay for about 2 months and then pay off in which the rep agreed and told me she could not send me nothing in writing but to log onto account and it would be there, I checked the account several days before attempting to contact company again just to find out the information given was inaccurate again and that i could settle but i have to pay upfront and that my account do not qualify to settle and make payment for 2 months and then pay remaining balance I asked for proof in the contract where it stated that ( in which i didn't get ) it does not state that in the contract. The rep told me that the account has to accrue more interest before i could settle and make payments. I find that rip off and hideous and is not disclosed upfront. I just want to settle for the XXXX and make payments for 2 months and payoff
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I am unable to refinance because there is a freeze on my account with Equifax which I would like to lift. Unfortunately, I am unable to access my Equifax account to lift the freeze. The login and password I have used in the past does not work anymore and every time I request a new password, I get an error message stating " The information you provided does not match our records. '' I spent more than two hours on the phone today with customer service to try and get this fixed. Unfortunately, the gentleman I spoke with did not know how to fix this issue. I asked to speak with a supervisor and he said none were available. I said I would wait and he disconnected me.
Consumer complaint received 2020-09-21
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. (IA)

The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.