davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (WA)

In early XXXX, I contracted with XXXX  to send a package. The charge for this service was {$210.00}, per XXXX  invoice # XXXX, with a date of XX/XX/XXXX. 

XXXX NEVER delivered the package to the recipient, so I disputed the charge it made to my XXXX card, and I received credit for it. 

In XXXX, XXXX, XXXX told me it would close my XXXX  account unless I paid the {$210.00}. To keep my account open, I capitulated. I paid the amount on XX/XX/XXXX by my XXXX card. Attached in the .pdf file is not only proof from XXXX that I paid that amount, but an email from XXXX acknowledging that I paid that amount and referencing the invoice number ( page two of the XXXX email ). 

Despite the XX/XX/XXXX payment, XXXX again in XX/XX/XXXX told me they would close my XXXX  account unless I paid that invoice. I called XXXX, and spoke to a male representative who called me a liar when I told him the invoice had been paid and I was looking at proof of that payment on my computer screen. He took my XXXX card number, but rather than confirming payment, he charged me the same amount again! He insisted this additional charge was proper, simply because XXXX had put a new invoice number on the old bill, and insinuated that XXXX could continue to put new invoice numbers on old bills and collect repeated payments. 

I disputed that second, fraudulent charge with XXXX, and received credit for it. 

Despite all of the above, XXXX referred the PAID {$210.00} debt on invoice # XXXX to debt collection. See the letter from Transworld Systems Inc., specifically referring to that invoice number, and the XX/XX/XXXX invoice date, corresponding exactly with the XXXX  Invoice History ( though for inexplicable reasons, the amount differs a bit ) and the email from XXXX confirming payment of that invoice in the invoice amount. 

I contacted Transworld Systems on XX/XX/XXXX and provided them with this information, and they indicated they would resolve the matter, but whether they do or not remains to be seen. Regardless, XXXX XXXX actions are beyond inept. They are reprehensible, if not outright fraudulent.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

My former XXXX  that I took my dog to for a few months was scamming me the whole time, but I didn't realize it until after the last time I took him there about a month ago.  I explained everything to Care Credit   and went through the entire disputes process, just for them to turn around and deny my claim and close my case, stating that the XXXX can make their products whatever price they want... That's not why I was disputing!  Either they didn't thoroughly read my complaint, or they acted XXXX  in order to automatically side with the merchant.  I now since I first filed my dispute, refuse to pay one more dime on my bill, and if Care Credit doesn't remove the charges, I will be closing my account, not pay the charges, and I will file a claim with the credit bureau.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

Suntrust is repeatedly dropping incoming XXXX transfers in a concerted effort to charge overdraft fees. This morning I woke up to an account that was some {$300.00} in the red because Suntrust deleted the incoming transfer. I am attaching images of the payment sent via XXXX and the evidence that Suntrust has not credited it to my account- in other words they have stolen my money, again.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (OK)

In XXXX i took out a loan from a company called XXXX XXXX but soon after had health issues and loss of income which caused me to default on loan and loan was charged off. I had no contact with XXXX XXXX on this loan for over 6 years but did recieve offers for new loans from them. I did not accept any offer. In XX/XX/XXXX i checked my credit report and found a new collection account from a company called Security credit was placed on my report as an open account from XX/XX/XXXX. I did not recognize the account so i disputed its validity thru XXXX on three seperate occasions. Only after the third dispute did security credit send me a letter with originator information and ammount as well as an proposal to settle for 50 %. I have not replied to this as I was never been notified before loan was placed on credit report, and never had the opertunity to dispute this account. I am currently sending a cease and desist letter as outlined in the FDCPA and FDCRA to security credit.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CA)

CitiBank just called me on my cellular telephone from XXXX. I have had many problems in the past with CitiBank calling me after I asked them NOT TO CALL ME, yet they continue to call me. I do not know why they call me after I have asked them not to, but I want the harassment to stop.  Please communicate in writing only do not call me if you are from CitiBank and if you do call me do not record me I am revoking my consent to be recorded.
Consumer complaint received 2021-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MD)

XXXX XXXX  XXXX XXXX XXXX owned by XXXX XXXX, XXXX gives notice of an account balance of {$610.00} sold on XX/XX/2021 to Spring Oaks Capital , LLC who now is owner. 

Although XXXX XXXX, XXXX states the notice is not a bill and not to send payments it gives myself the impression that any payment should be forwarded to Spring Oaks Capital , LLC of which I am confused about.
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I received a deposit of XXXX from California EDD, I used my card to at XXXX XXXX XXXX, XXXX XXXX, Oregon. I continued to XXXX on the same street, in XXXX XXXX, Oregon and used their ATM., Within an hour ( and not to my knowledge ) someone made an ATM balance inquiry, in XXXX XXXX , Calif. , and minutes later, someone made a withdraw of XXXX at a ATM in XXXX XXXX , Calif. That's about a 1000 miles from where I was standing. Now my problem is that the banks fraud protection should have shut my account down at the balance inquiry, and I would have had my funds intact. Or when that someone withdrawn XXXX out of another ATM, was another chance to shut my account down. I filed a claim which they closed the next day. I called customer service again and reopened the claim. I have called many times but they said it's under investigation. XXXX XXXX of the XXXX is a payment that I owe and the company I make payments to are hounding me and my credit with them is going to suffer along with my poor credit score. I am trying to raise my credit score not lower it. The bank that has lost my funds has been rude and treat me like I stole my own money. The last deposit I got, I withdrew all my funds. I don't trust this bank and I'm stuck receiving my unemployment benefits though them. I need my money, it's bad enough that my work has gone to a complete stop. due to the virus.The bank in question keeps telling me to wait and that their hands are tied. And it could take up to 45 days. My bills are not able to be pushed back to make my XXXX payment. I feel that the bank is not doing what they can to credit my account. As for Fraud Protection, this bank is the fraudster in my mind. It should be against the law to hold cardholders funds because of their mistake.
Consumer complaint received 2021-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

i have an auto loan with santander and i am unable to make payments online or on the phone. Every month i am getting fess and late payments because i have to pay XXXX extra dollars to XXXX to make my payment. i have asked them about it over and over and they just say they dont know why i cant make the payment online or over the phone.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2018-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Having submitted 4 complaints against Paypal XXXX, XXXX, XXXX, and XXXX, I am still with no SOLUTION at all, just " nice '' excuses from XXXX XXXX XXXX and other unidentified Paypal staff who are apparently in XXXX. 
I want to close my Paypal account based on my email XXXX XXXX XXXX but Paypal is not honouring my request!! 
On XX/XX/2017, Paypal emailed me a message in XXXX that is difficult to read as has many layout errors ( why not send it in PLAIN text? ). When I login, I am unable to close my account as I am required a verification phone call to a landline number that changed a long time ago. 
Paypal people please CLOSE my account so I can open a new account in order to be able to use my XXXX bank  account.
Consumer complaint received 2019-03-12
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: Experian Information Solutions Inc. (TX)

I have medical bills that were not paid because of bad insurance that didnt pay and the billing department that knew that I was a veteran and didnt bother to send the bill to the VA billing department. It is still on my credit report along with bill that are over 7 years.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I applied for credit and submitted a request to Experian to temporarily remove the credit freeze on my credit report. I was given confirmation that the lift was in place from XX/XX/2019 thru XX/XX/2019. I later received word from the lender that they were unable to verify my credit. I made a second attempt to lift the freeze from XX/XX/2019 thru XX/XX/2019 and was given a confirmation #. Once again the lender was unable to access my report. I made several attempts to contact Experian by phone and online but their menus do not offer any way to question why the freeze was not lifted and I found it impossible to reach any person to even ask questions of let alone resolve problems. As a result my credit application is still held up until I can get a resolution to this problem.
Consumer complaint received 2019-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

XXXX online XXXX XXXX XXXX XXXX XXXX Bank. XXXX at XXXX margin. To increase with the market. With origination fee the loan ammount was XXXX Since XXXX I have paid XXXX dollars and just received a new term loan agreement stating I still have another 102 months. With a completely different lender on it. 

This company is such a scam and should not be allowed to issues loans to consumers. 11 years paying on a XXXX loan and still owe XXXX dollars, how is this possible? I have asked to be sent proof of ownership to the loan. I have also asked for detailed descriptions of payments and breakdowns. I received half the statements and not really anything complete. 

Personally none of my DOCUMENTS seem to match the lenders and they are unable to provide the orginal contract agreement as I requested that as well. Overall I have paid more than enough money in and now they tack on another XXXX payments. How? Under what contracts etc? This place needs investigated further. My friends in XXXX XXXX were also victims of these crooks. Something needs to be done.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC ()

Apparently a Debt Collection company called Receivable Management showed up on my credit report in 2019. I have since been sending the company letter to delete this collections from my credit reports because I have no knowledge of this account and the account is not mine. The collections amount that is stated on my credit report is in the amount of {$360.00} and it says the original creditor is XXXX XXXX. This can not possibly be my account because I am still with XXXX XXXX. and have been for a while. I have tried to rectify the issue with the collection agency with a letter sent stating the issue and asking them to remove this collections account with the credit bureaus but they have yet to rectify this issue.
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: COAST PROFESSIONAL INC (FL)

XX/XX/XXXX Federal Income Tax Refund taken from XXXX XXXX although I am in a Loan Rehabilitation Program with XXXX. 

I received a letter today, XX/XX/XXXX, supposedly from The US Department of Treasury/US Department of Education stating my Federal Income Tax was taken for unpaid Student Loans. When I called the number listed ( XXXX ) I was redirected to Coast Professional, a fraudulent Debt Collection Agency that does not answer their phones nor do they set up repayment plans. This year they are located in New York, last year they were located in California. 

My Income Tax Refund was taken last year from a similar fraudulent agency. I reported Coast Professional last year and nothing was done to correct the problem. Months ago, I signed on with XXXX for a Student Loan Rehabilitation Program since the were able to substantiate the debt and actually answered phone calls in addition to returning phone calls. Since then my account has been deducted monthly with a payment I can actually afford. 

Imagine my dismay and disgust when I received another letter from the US Department of Treasury/US Department of Education telling me my Income Tax Refund has been taken by a company that does not answer their phones and refused to return phone calls for repayment. Except this time, the same company - '' Coast Professional '' - is not based in California as it was last year, now it is based in New York. 

After another call to " Coast Professional '' that was sent directly to voice mail, I then recalled the number listed for our fraudulent US Department of Treasury/US Department of Education. After explaining the situation to " XXXX '', I was then transferred to " Supervisor XXXX '' that was extremely rude, disrespectful and told me " Managers do not take phone calls here. '' after I told him to let me speak with his superior. 

Supervisor " XXXX '' or more rightly named " XXXX '', did not want to understand that I was already in a Loan Rehab Program with another company, that " Coast Professional '' was a fraudulent agency and that I expected better from a supposed employee of our so-called government. 

XXXX did not like it when I told him his paycheck was paid for by tax-payers. He actually stated that was not true and then disconnected the call. If these are the kind of people in charge of my personal information and are allowed to take money from me and my children, then I will never file another tax return again since obviously the government is so inept and filthy they can not help themselves and are beyond redemption. 

This year was the last chance for the US Department or Treasury and the US Department of Education. They failed.
Consumer complaint received 2023-06-12
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. (NC)

PLEASE BLOCK AND REMOVE THE FOLLOWING INQUIRIES. 
XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX  Date of Inquiry XXXX
Consumer complaint received 2022-11-07
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. (GA)

I sent a letter addressed to the 3 Credit Bureaus requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX {$12000.00}.
Consumer complaint received 2019-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Texas Guaranteed (GA)

I attended XXXX XXXX College back in XXXX for one semester before moving back to XXXX.. I received {$600.00} for my first semester and 2 semester I withdrew and returned my second semester check back to the school..in XXXX i started receiving calls about paying off my loans when I set up arrangements a year later my loans continue to increase.. im not responsible for any other funding sent to XXXX XXXX  College after I withdrew..
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed several unauthorized inquires on my TransUnion credit report I contacted TransUnion on XX/XX/XXXX and spoke with XXXX. 4 XXXX XXXX XXXX XXXX, 6 - XXXXl XXXX, 1 - XXXX XXXX XXXX, 1 - XXXX XXXX, 1 - XXXX XXXX 4 - XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. After XXXX took note to dispute the unauthorized inquires, she stated that I should be in this complaint and mail it to TransUnion Dispute.
Consumer complaint received 2019-03-12
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: SELECT PORTFOLIO SERVICING, INC. (IN)

SPS took over my mortgage as of XX/XX/XXXX. I received my first statement in XX/XX/XXXX. I noticed it had a caption regarding bankruptcy. I called and they stated it was because I had a bankruptcy associated with my social security number. But that I am in good standings with them. I started a re-finance thru another company and when it came time to view my payment history, they stated there was none on my credit bureau since XXXX XXXX was paid in full. I called SPS back XX/XX/XXXX and they stated that my home was discharged in bankruptcy and by law they could not report to credit bureau. I told them no, my bankruptcy was discharged in XXXX and I assumed the mortgage in XXXX. I was advised to upload the documents and I was not allowed to speak to the bankruptcy department until I did. XX/XX/XXXX I uploaded all requested documents to their website. XX/XX/XXXX Spoke with XXXX XXXX @ SPS he stated no changes. XX/XX/XXXX spoke with XXXX and requested a supervisor. XX/XX/XXXX Spoke with supervisor XXXX XXXX and she stated she would escalate the review, it would be taken care of 14 business days versus the 30 days. XX/XX/XXXX Spoke with XXXX XXXX she stated no way to expedite. XX/XX/XXXX spoke with XXXX XXXX and again got no where so I asked for a supervisor again. I was transferred to XXXX XXXX he stated should have an answer by Friday XX/XX/XXXX. Called XX/XX/XXXX spoke with XXXX XXXX with no updates. XX/XX/XXXX Spoke with customer service rep and requested a supervisor, they stated all of them were busy and they would call me by end of business day. XX/XX/XXXX No call from supervisor, called and XXXX XXXX answered ; I again requested a supervisor. I was transferred to XXXX XXXX She stated their bankruptcy department agreed with my documentation and that advocacy department now has the file for the credit updates. It is now XX/XX/XXXX after the 30 day review with nothing updated or corrected.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX has repeatedly failed to separate my dad and I in there credit reporting system. Over the year they have said they would fix in and have not. After the XXXX breach I locked my credit and then locked my dad 's. I bought a rental and could not unlock my account. I called XXXX and they again detected that they have my dad and I mixed. I was told my file was being sent to maintenance. 

Today I went to purchase a car and the credit union informed me that they could not give me a loan since I was now dead. My dad passed away last month. Between these guys and XXXX there should be a lawsuit.