davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Synchrony bank closed 8 separate credit accounts on XXXX with no explanation. I have paid more than minimum on all accounts and never missed a payment. My credit score has been holding steady or climbing over the past 2 years as our family has grown and we have been using these accounts to help finance furnishing and remodeling our new older home. Losing these large credit lines and safety nets for no apparent reason is going to XXXX  my credit score and our safety net with the Care Credit account is gone. I have read countless reviews now about how heartless this company 's customer service is and due to being XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am afraid to call and go through all that. Why would they close all the accounts of a good paying customer??
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

i received money from a friend for my prescriptions. i was unable to withdrawal the money to my account so my mom an sister added their accounts. it failed to transfer to my moms but it allowed me to transfer to my sisters XXXX XXXX account then venmo canceled the transfer 2 days later right before it was to deposit into my sisters account. they then froze my account and deactivated me. telling me i might get my money sometime in XXXX. this has been since the end of XXXX. I just want them to release my money to me. its not fraud its not liability its my money. This isnt right or fair to hold someones funds for over XXXX months a the possibility of never getting it back. just please release the funds. 

i also had been verified before all this but still uploaded my identification multiple times to the support account specialist department
Consumer complaint received 2021-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

I did my own research and this debt were already paid with another debt agency in 2018. I'm not sure why the previous debt agency did not record my payment. I have proof from 2018 from the debt agency also my bank proof payments were made and the account were settled. Sequium Asset Solution should not be trying to collect on a debt has been settled in 2018. By the look on this letter this has to be a very old debt that age of this debt. Enclosed is copies of 2018 settlement letter from another credit agency that I have copies of my voided checks that this company ACH from my bank account also have a email from my bank that shows the amount that were offered in the settlement were paid.
Consumer complaint received 2018-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AL)

American Education Services is incorrectly reporting loan amounts I received from XXXX College. I  received only one FFELP loan from XXXX College in the amount of {$1700.00}. I attended XXXX College from Fall XX/XX/XXXXto Summer XX/XX/XXXX. The Master Agreement was signed on XX/XX/XXXX.  The original amount of the loan was {$1700.00} and the current balance is {$2800.00}. AES is reporting that I received and owe a total of five student loans, all from XXXX College. The Federal Stafford Loan issued on XX/XX/XXXX, is the only loan I received from XXXX College. The following is a list of loan details reported by AES : XX/XX/XXXX Federal Stafford Loan Repayment {$2800.00} XX/XX/XXXX Federal Stafford Loan Repayment {$5100.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$3100.00} View Details for this entry XX/XX/XXXX Federal Stafford Loan Repayment {$3800.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$7200.00} I have attempted to resolve this dispute with AES and requested a copy of the Promissary Notes for the aforementioned loans. AES provided me a copy of one promissary note, but was unable to furnish any proof that the loans owed belong to me. I have reached out to XXXX College financial aid office and they have verified that I only received one loan in the amount of {$1700.00} during my enrollment. XXXX College also agreed to contact AES. I am requesting AES to remove all erroneous, non verifiable student loans from my account.
Consumer complaint received 2018-02-12
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: Experian Information Solutions Inc. (GA)

Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXX XXXX  GA XXXX '' XXXX XXXX " late payment XX/XX/XXXXXXXX XXXX XXXX ' late payment XX/XX/XXXX XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XX/XX/XXXXopen account of $ XXXX  " ( account closed as report states } Fradulent data : all Inquiries XXXX  " open account $ XXXX  " XXXX XXXX  and Experian have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX
Consumer complaint received 2021-02-04
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. (TX)

XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : DEPT OF EDXXXX {$0.00} Closed 12 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Transunion : XXXX  XXXX  {$23000.00} Balance updated XX/XX/XXXX XXXX late payments FCRA violations never late XXXX XXXX {$0.00} Closed 12 late payments FCRA violations never late fix it or remove it Base on the information found please remove these accounts : XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$1100.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$23000.00} Date Opened0XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Account Name U.S. DEPARTMENT OF EDUCATION Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement.
Consumer complaint received 2019-09-28
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. (ME)

XX/XX/2019 XXXX XXXX XXXX  XXXX hard inquiry without my knowledge / I have not made any changes to my credit / no new applications etc There is no contact information listed XX/XX/2019 XXXX=XXXX XXXX XXXX XXXX . 
hard inquiry without my knowledge / I have not made any changes to my credit / no new applications etc There is no contact information listed
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name RESURGENT/LVNV FUNDING Account Number XXXX Alleged Amount : {$650.00} RESURGENT/LVNV FUNDING has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), however, you placed a collection on my consumer report. As a result, I am unable to secure much needed credit.

Additionally, I have not been afforded my right as a consumer to dispute this account according to 12 CFR CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, the information provided to the credit agencies is a violation of my consumer rights by using misrepresentation and deceptive means.

Lastly, a collection agency has no authority to furnish any account to the consumer reporting agencies without providing any and all disclosures required by law. The collection agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681S ( 2 ) ( 7 ) ( a ).

I am disputing owing any and all debts and demanding that you cease all communication with me or any other party regarding me.

Additionally, I need a copy of the purchase agreement between you and the original creditor as well as proof that you are licensed and bonded. 


XXXX XXXX
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MA)

I opened a Sapphire Checking and U-Invest Brokerage account with Chase a few weeks ago. I was able to open the checking account online successfully and transferred {$75000.00} to it. A few days after, I opened a U-Invest Brokerage account online. However, Chase locked me out of my account after doing this. They withdrew all {$75000.00} from my checking account and held it for review for over 2 weeks. They had me come into a local branch to verify my addresses via a debit card and my license. Even 3 days after verifying my address, they have still said my account is under review. I have no idea where my {$75000.00} is, and at this point it's been held by Chase for over 2 weeks. They have also given me NO explanation for why they are holding it, with no written notices mailed or emailed to me. Even after spending over 3 hours of work time on the phone, they have not provided any details. 

XX/XX/XXXX - Opened Chase Sapphire Checking account XX/XX/XXXX - Initiated transfer of around {$20000.00} from XXXX to Chase Checking XX/XX/XXXX - Initiated transfer of around {$55000.00} from XXXX to Chase Checking XX/XX/XXXX - Tried to open Chase U-Invest Account XX/XX/XXXX - U-Invest opening denied XX/XX/XXXX - Locked out of my Chase Checking account. Was emailed that a notice was posted on my Chase account online. But I can not access the account ... 
Around XX/XX/XXXX - Called Chase. Verified SSN. Was told my account was being closed, my relationship with chase terminated, and given no explanation. Was told to go into a local branch to verify my address. Wasted an hour. 
XX/XX/XXXX - Went to branch. Banker verified my address but could not explain why my account was closed. Wasted over an hour. 
XX/XX/XXXX - Called Chase again and verified SSN again. Spoke with 4 different departments. Told that my {$75000.00} was still being held and has not yet been processed for release. Still no explanation. I threatened to file a complaint with the CFPB for this behavior. 
XX/XX/XXXX - Filed this complaint. Checked my chase account online for any letters, but saw none. Checked my mailbox for letters, but saw none. No explanation provided by Chase for holding {$75000.00} for over 2 weeks at this point. They have me a case number to follow, but it's unclear what this is for ...
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I sent credit reporting agency Experian a letter ( per their request ) requesting my consumer report, consumer file and investigative file. As of XX/XX/XXXX, I have not received any of the 3 documents I have requested.
Consumer complaint received 2022-04-30
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. (GA)

Over the past few months/year ( s ). I have informed Experian that they were incorrectly reporting a charge-off on my credit report. At different times there has been different issues. The most recent issue being that the high balance is lower than the balance. That is not mathematically correct ( impossible ) and there can only be one high balance. They claim to investigate but nothing changes. Experian 's negligence is effecting my ability to obtain housing and transportation.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I booked a Hotel for trip to XXXX in XX/XX/2021. When I arrived the hotel informed me I had 2 reservations. Not aware I was double booked I fulfilled 1 reservation and filed a claim with my bank when I returned. Unfortunately my bank did not uphold the claim and I am out {$560.00} When I called XXXX they said it was booked through a partner website and they couldn't refund. So I stayed I full-filled 1 reservation for {$670.00} ( Conf # XXXX & PIN CODE : XXXX ) and was billed for it. But did stay in the other room for {$560.00} ( Conf # XXXX XXXX XXXX XXXX XXXX & PIN XXXX ). When I got home from the trip I saw the charge and filed a claim with Wells Fargo my Bank. Claim # XXXX was denied some 3 months later with no explanation. Because of the length of time between filing the claim and response has been 4 months they are saying to much time has passed. I have been waiting for them for crying out loud!!!
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

In XXXX and now in XXXX Equifax does not give an annual credit report from XXXX XXXX XXXX Equifax fails through XXXX XXXX XXXX and through direct contact.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (TN)

My complaint is with Ally Bank XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from Ally dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that XXXX ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with XXXX with no results except to tell me that no adjustment would be made. XXXX also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : XXXX XXXX, XXXX XXXX and XXXX XXXX. They all should be in the 800 range as I value my credit very much.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CA)

SANTANDER CONSUMER USA is furnishing non public personal, sensitive information to consumer reporting agencies and is refusing to comply-FULLY- to my gramm leach bliley act OPT OUT request and is now mismanaging my security which is forbidden according to the SECURITIES EXCHANGE COMMISSION ( SEC ). I have submitted a TCR complaint. SANTANDER CONSUMER USA received my gramm leach bliley act OPT OUT request XXXX XXXX, 2024, today is XXXX XXXX, 2024, THE LAW STATES that if a consumer, me, notifies the creditor, SANTANDER CONSUMER USA, in writing exercising their right to OPT OUT of the sharing of their nonpublic personal information, including name, account number, and transaction history- WHICH MEANS REMOVING THE ACCOUNT-they must comply within a " reasonable amount of time. '' it has been almost XXXX days from delivery and they are only partially complying and attempting to stall my request. My personal non public sensitive information is still being shared to non affiliated third parties including consumer reporting agencies. Please see proof of mailing and SANTANDER non compliance in the attachments below. SANTANDER CONSUMER USA is now ILLEGALLY furnishing my information, and this notice is on the record.
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: New Century Auto Sales, Inc. (IN)

My car have been theft and in an accident. I am reaching out to this company to get compensated for my warranty. They are giving me a hard time of getting the funds. I spoke with XXXX and XXXX and they gave me a email to reach. I reach that email and I have not heard anything back to get the proper compensation applied XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I Purchased A prepaid Netspend card and added XXXX to the not yet activated card. When I attempted to activate the card an error code request I call the customer Service to complete activation. Due to this incoinvence and the fact I was unable to call I requested that my father call in to see what the issue was. My father called in to help with this puzzling issue. Blind to the fact of that repersentive intentions. since his phone number he was calling from was registered to his own personal previous net spend account which had been restrictred months prior by Netspend for no reason then informed My father that the account would be close and the card for his account was deactivated and a check would be process and mail. Why would any card be able to be added to this account? A purchased un activated card, with no name on it, that anyone can purchase because no account or ID is needed to do so was by forced added my card to a. closed account at her own request. she collected the information for My card just to activate. then informs my father the card can no longer be activated because of his account thats allready blocked with restrictions and the card registered to his account allready block and funds frozen. Now weeks later my card is now unable to activate and netspend refuse to fix this. Now they want documentation for a mistake they made and want us to verify information for an account that does not belong to me in order to now receive a check for my money.
Consumer complaint received 2022-01-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

on XX/XX/2022 I called EQUIFAX concerned about an inaccurate account that I had already gotten removed. Account number # # # # # # # # # # # # # XXXX from receivable managements systems was reported on my consumer report on XX/XX/2022 after I had gotten it removed in XX/XX/2022 ; I did not receive any notification of the entry of this negative collection, any validation of debt, verification of debt from Equifax nor XXXX XXXX  XXXX. While I was on the phone with an Equifax XXXX, I informed her that I already called XXXX XXXX XXXX and requested verification of debt and Validation of debt I did NOT receive any information for either. I then asked her what information did EQUIFAX obtain to verify the debt and the XXXX aid she did not see anything there, even though the account has been disputed before and Equifax allegedly completed an investigation but does not have any documentation regarding the debt. EQUIFAX and receivable management systems violated my consumer RIGHTS and I want the accounts removed to fine both parties {$1000.00} USD each for violations of my consumer rights, failing to protect me as a consumer.