davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. XXXX and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. Equifax and XXXX are both reporting a collections account for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2020-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NC)

XXXX is the number that keeps calling me. They have called FIVE times in the past three days. The call is a robocall claiming to be TD Bank. I do not and have never had an account with them. I asked to be removed from the call list and she wanted me to give her the last four of my SSN and address. I absolutely did not and told her to remove me from their call list or I will be calling an attorney.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-09
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. (IN)

These 3 time payment accounts need to be deleted for inaccuracy because the date of last activity is different on each bureau, payment history is incorrect, I was never late and I disputed this information over 30 days ago and it still doesnt show disputed by consumer!!!!!
Consumer complaint received 2019-08-28
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. (PA)

I sent multiple letters out to the experian, XXXX, and XXXX disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to XXXX, experian, and XXXX and they are still reporting inaccurately. This has not been fixed
Consumer complaint received 2020-01-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (NM)

I tried to do a money transfer on the Sunday the XXXX when they told me it would take one to four business days I told them forget about it well since I'm a customer and they had my account number they went ahead and processed it anyway I called up immediately and they canceled it and said the money will be returned to me immediately now I'm going on day 4 The amount was {$560.00} this is on Sunday the XXXX
Consumer complaint received 2018-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (OK)

On XX/XX/XXXX, I contacted XXXX at Great Lakes regarding a payment that was taken out of my bank account the previous day. I advised that my forbearance does not expire until XX/XX/XXXX and they were not authorized to take the money out.They advised that they will investigate and call me back within 24-48 hours. On XX/XX/XXXX, I called them back after waiting the 48 hours I was quoted. The person on the phone advised me to wait longer and did not give a time frame. I have emails from Great Lakes stating that my loan is in forbearance, there are also messages on my Great Lakes account stating this.
Consumer complaint received 2020-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Previous loan servicer ( XXXX ) processed income-based loan repayments for public service loan forgiveness at {$.00} less than qualifying amount for nearly 3 years. The repayments were on auto-pay. Now I am nearly 3 years behind schedule for loan forgiveness. I contacted my new servicer ( FedLoan ) and they took nearly a year to review my issue, but it was denied. I asked for another review several months ago and have not been updated yet.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TN)

I have been trying to move funds ( specifically, LTC ) from my Coinbase LTC Vault to my LTC wallet. However, I have lost access to my secondary approval email ( two separate emails need to be confirmed in order to approve the transaction ) and contacted Coinbase support to see if there was any way I could move the funds by some other means. After several email exchanges with their automated system, they stated a solution of : " Instead, we can move the funds from your vault into your wallet and delete the old vault. This will enable you to create a new vault and move your funds back into it.

I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' This was on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I have not received any feedback or assistance from anyone on the Coinbase team.
Consumer complaint received 2018-02-15
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I thought I was only applying to one company when I got approved to buy the car. 

I've had CaptialOne credit cards for nearly a decade and my XXXX XXXX for 12 years before the transmission went out. At first I was happy when I learned XXXX joined with them as a lending partner. However only 3 weeks later I'm getting barraged by with hard inquiries ( 7 ) related to my purchase on  XX/XX/18. 

This also comes after I reported a screw was lodged firmly in my front-right tire of the XXXX XXXX XXXX I purchased. 

I haven't made an insurance claim. It could be coincidence after I scheduled an appointment to have the screw removed. Bottom line : Why all the sudden do I have all these inquiries? 

Reports are as follows : COAF - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 CAPTIAL ONE AUTO FINANCE - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18
Consumer complaint received 2023-04-04
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. (TX)

I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto XXXXXXXX XXXX system. XXXX says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with XXXX, nor is XXXX in my contract. XXXX is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. XXXX was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with XXXX therefore I have no account with them. XXXX refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with carvana contains no assignments and the consumer claim post is printed with additional endorsements,
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2022 I was involved in a almost fatal car crash. And merrilledge turned their backs on me completely false representation and advertising as well as no compassion being showed on behalf of their companies. They provided me with a lot of their tools then striped them for no reason what so ever with facing injury physical and mental. I expected more out of this experience. they understand ultimately. 

CFR 12 ( 1-1-12edition )
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated/ incorrect under 609 or HEPPA, or can not be verified. as is my right, I am requesting verification of the following items.

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX Balance : {$700.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$160.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Balance : {$580.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$76.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I had used paypal for ages for all purchasing and selling online.

I had 2 items that had cases open cases because of the item being damaged.

I called paypal and they told me to have the customer open a case and agree to a refund and that paypal would cover me for the amount. I did. 2 weeks later they are going back on their story.
Consumer complaint received 2018-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I feel as though I am being taking advantage of for having a good credit score and making on time payments. Since entering repayment, with a payment amount twice the amount I was quoted, they have raised my interest rate 3 times. The latest is raised to 11 %. Thus after calculating my payments I will probably never pay this loan off. They are making it impossible to pay back my debt. I find myself considering default because I would benefit more from trying to lump sum buy out a settlement than ever be able to pay off this loan. If the interest rate isn't ever capped or at a fixed rate I will not be able to pay this loan off. I feel as though this is a trap to create a deeper hole of debt for students/consumers.
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A. (DE)

I had ID Theft. My SSN and personal info were compromised. I filled out an FTC report and the things that were ID theft were blocked from my consumer report. I received a letter from XXXX, XXXX, & XXXX about a {$5400.00} XXXX debt that I was unaware of and was not on my consumer report. Since I do not recall this {$5400.00} debt, I asked them to provide me proof that this was my debt. They responded by sending me the total owed. I wrote them back and asked again for the proper proof. THEN they start sending me documents from another account that is in no way associated with the original account. I responded again, and told them that this account was not the account on my credit report they were speaking about, and AGAIN they just sent me information from another account and asked me to pay for the {$5400.00} account. I believe them to be using illegal or at minimum unethical practices, mainly lying to me and trying to trick me, into giving them {$5400.00} on an account i have never heard of. We have had XXXX correspondences via USPS and they have yet to do anything but tarnish my consumer report with their false information. They are intentionally sending me documents over and over from another account because they do not have the info proving this is my debt and they are trying to lie and trick me.
Consumer complaint received 2020-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TN)

In XX/XX/XXXX I received a call from my title company that a check had been returned from my business account. I immediately called my branch who I have multiple accounts ( business & personal ) and personal relationships with and was told that " there was nothing they could do at their level '' and I needed to call the Fraud Department. I ask them why I need to call fraud and they say the same scripted thing " There is nothing I can do at this level ''. 
I logged in to my account immediately after this and come to find out I am not able to view my accounts online because they all say " not available ''. I called and waited on hold for the fraud department who tells me that they have decided to close my accounts and end their relationship with me. Now I am just confused and they keep telling me their same script over and over again " this is all the information we have ''. No one will help me and even the people at the bank that I have trusted and respected at my branch for years wont help me or give me access to my funds. How can you do this to your customers? A small business? Not even notify them in any way? Not give me any answers at all? If it is fraud wouldn't they want to verify charges with me or are they saying I am doing something fraudulent? I have never done anything fraudulent in my life. They have talked down to me on every single call and patronized me and just keep repeating the same scripts over and over again. I have no access to my money or my accounts. I have been to the branch and been ignored at the drive through and they will not answer my calls inside the branch no matter what line I call. I am a brand new small business that just opened down the street from my branch in the midst of a Pandemic and then gets single handedly shut down by Suntrust. 
I have been told every single time that I call that a letter will be sent but it hasn't and I have been told that my funds will be mailed to me but they haven't. 3 months later & no resolution. Now they want me to get a hold harmless agreement from 14 randomly chosen transactions that some of which are cash and everyone know that this is not humanly possible. They will not release my funds until this is done from what I understand and I do not under stand how this is legal or right? I can not get anyone to help me and I call every day now. The deposits that were made were obviously the same rent deposits that are always made every month and they have somehow decided that now they are a problem. I can not get any resolution and no one at my branch will answer my calls. I dont know what else to do other than to report them for grossly mishandling my funds and causing me serious financial hardship. I get blank statements from them every month showing where they took my money from my accounts. They are zeroed out and I am too.
Consumer complaint received 2020-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

After selling a very expensive phone on XXXX, I was paid through Paypal. This payment was {$2200.00}. This is the only transaction that I completed with Paypal. I was then notified that I was permanently suspended from using Paypal. I was given no reason as to why, and I am completely shocked that they did this. When doing this, they then prevent me from withdrawing my funds for 180 days. 

While I feel that the 180 days is absolutely ridiculous, they state it is to ensure that there are not issues with the transaction that will require refunding. 

However, there is no risk of this occurring as there was a case opened and Paypal ruled in my favor and denied the case. It is documented in case XXXX completed on XX/XX/2020. 

The date of the transaction is XX/XX/2020 through XXXX  ID : XXXX. 

As there is no possibility that the available balance will be refunded due to the case review stated above, there is no reason for Paypal to justify holding these funds any longer. I urgently wish to withdraw my funds and close this account with paypal. The paypal account is XXXX. 

Thank You, XXXX XXXX
Consumer complaint received 2019-08-28
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 sent multiple letters out to the XXXX, transunion, and XXXX disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to transunion, XXXX, and XXXX and they are still reporting inaccurately. This has not been fixed
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Consumer complaint received 2021-06-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

On XXXX2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.