davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a XXXX certified letters XX/XX/2018 USPS in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.
Consumer complaint received 2020-09-10
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. (TN)

XXXX XXXX XXXX and Transunion should not be reporting a chargeoff on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

This is a complaint with Comenity Bank, XXXX XXXX. I paid my card off in XXXX which left a credit of {$49.00} ; I sent a letter to close my account and to indicate the account is closed by consumer. I also requested the credit back in a form of a check. They sent a letter stating my current balance will be continued being billed for the XXXX until paid in full. I want my credit to be returned as I overpaid and owe nothing.
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Guglielmo and Associates (NM)

I am currently being sue by XXXX XXXX  for a web bank purchased from XXXX. They and the presiding XXXX in the case believe that the XXXX permanent injunction from the US district court does not apply to them. Even though the amount they are suing for is more than the amount I borrowed. Any help in this matter would be greatly appreciated. Thank you
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2020-01-23
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT RELATE TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED ME. THEY HAVE BEEN DAMAGING MY CREDIT AND HARMING POTENTIAL LOANS THAT I APPLY FOR. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT AND ITS EMBARRASSING BEING DENIED FOR A SIMPLE LOAN. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL (MS)

PayPal locked my PayPal account and will not unlock it until I pay XXXX because they said I had a negative balance. In the meantime PayPal credit took XXXX out of my bank account and I cant get into my account to even change payment or anything. I feel as though I am being distorted out of money because Im not able to make any decisions on my account and they are making decisions without my knowledge.
Consumer complaint received 2021-10-26
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. (TN)

On XXXX I sent out a letter to the credit bureau and creditors asking them to validate the debt by sending proof that the debt was tied to me. Its been over a month and I have not received any documents with my signature that would tie me to the debt. This is violating my rights as a consumer under the statute code 15 USC 1692g. The credit bureau is also violating my rights by reporting these unauthorized accounts to my report without my permission and without conducting the proper investigation.
Consumer complaint received 2019-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DE)

In XXXX my loans were consolidated FFEL loans. Over the years of my loans, I was. Federal employee with the Dept of the XXXX XXXX and was working toward Loan Forgiveness when 120 payments were made. During this time, when I spoke with Navient reps, they always confirmed my loans would qualify because this is what I was working towards and in XXXX when the US Department of Education and Student Loan Aid declined my application for Forgiveness I couldnt believe what I was hearing. I started working for Department of the XXXX XXXX in XXXX while attending college. I consolidated my loans not just for lower payments but to qualify for the Loan Forgiveness for Public Service. Well, I contacted Navient and told them I was denied due to type of loans I had and they did not qualify because they were not Direct Consolidated loans. They said that was correct and I could apply for a qualifying consolidated loan but the XXXX years of payments would have to begin again from start. At this point I did not trust Navient and left my loans as they were. Last year when other types of loans that did not originally qualify for forgiveness could now qualify under a short window of time, I applied and never heard anything so I called and spoke to a rep with the federal Student Aid program and was told the FFEL consolidated loans did not qualify and some words exchanged and I was told to make sure someone had their contact information so when I died they could call the Federal Student Aid office and then my loans would be forgiven. I got upset and said to her that after working 20 years in XXXX XXXX that the only way I would qualify for loan forgiveness was to die and she said yes. I am XXXX years old and still working in public service and worried about retiring with this debt, I am currently on a short term graduated pay plan to get my loans caught up after several forebearances at suggestion of Navient rep when I got behind. I dont know who to trust regarding paying toward a loan forgiveness for public service. Looking for some help. I know I am not the only person in this situation.
Consumer complaint received 2023-04-07
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: SYNCHRONY FINANCIAL (NC)

A Synchrony Lowe 's account was opened in my name to make purchases over {$8000.00} dollars. I called Synchrony XX/XX/XXXX to report the fraud. They gave no follow-up but instead sent me the credit card in XX/XX/XXXX. 
I responded and disputed the card and charges. I asked them to tell me who has been using the card and review video of who made purchases. They stayed they would perform an investigation and let me know in writing the outcome. 

Today XXXX I received a letter from Synchrony stating the account is past due as of XX/XX/XXXX. 
They have made zero attempt to contact me or follow-up with any investigation they may have completed. 
I have not made a single purchase with this card, they are not making any effort here to correct this.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

On XX/XX/22 I sent credit karma an email from their website asking why my savings account had been frozen & why I was not notified. Credit Karma did respond asking they needed a picture of my I.D . ( Front/Back ) & my bank statements that were from the bank I had linked to the savings account of my credit karma savings account to see why my account was frozen. On XX/XX/22 I sent every document they needed and they responded with not knowing why my account was frozen and someone from a higher team will contact me directly. Its is XX/XX/22 and I have not been contacted by anyone from credit karma, my money is being held, and my bills are not stopping.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc. (TN)

I had a credit card through Victoria Secrets and they closed my account without my knowledge. And I was updated on my payment when they closed the account. I only owed XXXX out of a XXXX balance. And I was not told what or why it was closed. I got this card to help with my credit do to we are going to try to buy a house in XXXX.And I really don't think this should be on my credit I didn't close it .They let me spend money on it one more time then sent me a new platinum card and then I tried to use it and they said the account was closed. I called them to see what the problem was and they said they closed the account. I said why she said they would send me a letter .That I never received so I am disputing this on my credit. I no longer have the card so I don't have the card information the last four digits of my account is XXXX exp date is XX/XX/XXXX and it was closed on XX/XX/XXXX with a balance of XXXX and bought things the week before this. So I just think that it would only be the right thing to do is to take it off my credit..
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (OH)

HI!, I payed HUNTER WARFIELD in full four months ago. they only increased my credit 100 points. it is supposed to go up 200 points. 
they need to increase my credit another 100 points.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2021 there was a fraudulent transaction on my Paypal account for a ticket purchase. I immediately reported it to Paypal and I received an email confirmation from them that my report had been received, that no payments would be made to the seller in said transaction and they also sent a transaction cancellation confirmation. Then PayPal attempted to fraudulently ( without my authorization ) move funds from my bank account to my PayPal account on XX/XX/2021 and when my bank denied it, PayPal then attempted ( again without my authorization ) to fraudulently charge my debit card on XXXX XXXX. 

After their fail attempt to move funds they put my Paypal balance account on the negative for the amount of the fraudulent transaction reported, {$1100.00} and started deying my cases without ever providing any evidence of the transaction not being unauthorized. 

After several weeks, Paypal finally accepted my case and on XX/XX/202 through their message center they wrote they were accepting the transaction as unauthorized and were going to fully refund my account. 

We are now on XX/XX/2021 and my account is still negative as it shows I owe the amount of said unauthorized transaction. 

I have made contact again through their message system and they continue to not act on this claim and on their promise to refund me.
Consumer complaint received 2020-10-17
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. (VA)

I sent Experian a letter on XX/XX/2020 and XX/XX/2020 requesting that a 90 day late payment be removed from my XXXX Account as I was never late. The payment history shows a positive payment made the month before the 90 day late payment therefore, there is no way I could be 90 days late the next month. On XX/XX/2020 I received a letter from Experian stating that they will no longer investigate this information. How could this be when I never asked for an investigation. I simply asked that my payment history reflects accurately and to remove the negative late payment.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax and XXXX  are showing my old child support account that first went delinquent back in XX/XX/2010. I have called them and told them this is an old account but they keep telling me that the account is only showing as delinquent for the prior month. I dont know if they keep removing the previous years and re-adding it or what. The debt is over 7 years old and should be removed from my account.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (GA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

I deposit XXXX dollars in cash on the XX/XX/2019 To cover 2 checks it was at XXXX XXXX I called to ask why they charged me to overdraft fees Pnc Bank told me that after XXXX XXXX  it doesn't count for same day I said my receipt says it was the same day And it was deposit at there location So I want my 2 overdraft fees returned
Consumer complaint received 2020-01-24
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX I have no knowledge of the company nor previous contracts XXXX  XXXX- I have no knowledge of this company nor previous contracts XXXX  XXXX- I have no previous contracts or knowledge of this company. They sent me a letter stating I wasn't found in there system XXXX  XXXX XXXX  XXXX-I have no knowledge of the company nor previous contracts XXXX   XXXX-I have no knowledge of the company XXXX XXXX I have no knowledge of this company and it was removed from my XXXX report
Consumer complaint received 2021-01-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2020, I sent letters regarding inaccurate information being reported on my credit report and I have yet to receive a response. I am highly upset and I feel as if no one cares. Section 611 ( a ) states that a failure to investigate items within a 30 day period provides a reason to immediately remove those items from my credit report. It has been about 45 days and they should be deleted at this point. This situation has been really stressful and I do plan on filing for litigation if these items will not be removed. My information was also impacted by the XXXX  data breach and I know that it has got into the hands of the wrong person.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, I placed a payment via the American Express mobile app for my American Express account in the amount of {$1600.00} when had just over {$3000.00} in my Chase Checking account so that I would have an on-time payment and satisfy the full statement amount before XX/XX/XXXX. 

At XXXX XXXX. that evening, I received an email alert stating that my XXXX account had gone into a negative account balance and saw that the American Express payment was processed twice. I immediately contacted American Express via the app and asked for them to stop one and was told " it was too late to cancel them as these payments have aready gone into the processing status. However, once they post on your account you can let us know and we will immediately place a request to return it back to your bank. '' Because American Express was unable to resolve my problem with immediacy, I contacted XXXX XXXX  and requested them to stop the charges, and they did, but this is not reflected on my account until the next business day. 

To make matters worse, my XXXX card made an automatic minimum payment, and because XXXX is incapable of stopping the charge immediately in a manner that reflects a balance showing the account is no longer negative, I have incurred two overdraft fees of {$34.00} for a total of {$68.00}. 

I asked to American Express to return both charges back to the account so that I could issues new payments that would summate the statement amount because, according to XXXX, the identical charges are recognized as one by their system and they can not block only one, and that if I were to attempt to make the same payment again it would be possible that the payment request would automatically be blocked. Instead, American Express only refunded one payment.

To verify that it was not something done in error by me, I asked the American Express representative what time the last two payments were made, to which they replied " XXXX XXXX  for the last 2 payment time frame. '' American Express has now led to financial costs incurred by me their errors, and I want them held accountable for those errors.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I sent certified mail via USPS to Equifax on XX/XX/21, giving them all my current information and requesting that they delete all old addresses on my report. More than 30 days later, they have made no efforts to contact me. In addition, none of the old addresses have been removed. 

Equifaxs refusal to update my incorrect items is not only keeping me susceptible to identity theft, but its also hindering me from applying for credit
Consumer complaint received 2021-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (CA)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.