davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MD)

Dept of ED/Nelnet is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the Department of Education dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XX/XX/XXXX and " will remain in that status pending further direction.. ''
Consumer complaint received 2017-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I used Paypal to send money to an international seller of an item I won via auction. The seller asked me to use the family and friends option to avoid them having to pay any fees. I did n't see an issue with this as this seller has celebrity clients. I would think with that kind of backing I would n't have to worry about being scammed. The auction I won was pricey so they did allow me to split the payment into 2 different transaction. I even paid a week earlier than I expected to be able to pay. Everything seems ok. They provided a tracking number but for a week it did n't work. They said first it would take 48 to post. Then they said they would check into it. Then they said it was siting in customs and would be resent. I even gave them my phone number to contact me if they had any issues. All of a sudden the messages stopped and I realized I was blocked. I have screenshots of our conversations. I tried to dispute the claim on Paypal but since I sent via family or friends its not disputable. I now know why they requested me to send payment that way. So then I tried to submit a dispute for the currency exchange and they declined it. I 'm very upset as I 've been a verified Paypal user for years with no claims ever filed against me. I just want a refund for the money I paid. Any help would be greatly appreciated. Thank you.
Consumer complaint received 2018-02-17
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. (MI)

On XX/XX/XXXX I received an alert from Experian that they removed a XXXX XXXX collections off of my credit report. OnXX/XX/XXXX I received an alert from Experian that they inserted a collection from XXXX XXXX. I never received a consumer noticed stating that they were replacing the collection back on the credit report. This is a violation of the fair credit reporting act.
Consumer complaint received 2021-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent disputes letters because there was inaccurate information on my credit report. its been more then 45 days with no response no nothing. I have sent multiple letters in regards to my issues.
Consumer complaint received 2020-10-23
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. (PA)

I sent letters out over 30 days ago certified mail, I have not been notified, as a regular human being I feel like these clowns are taking advantage of normal people like myself
Consumer complaint received 2020-05-27
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. (CA)

Hi, XXXX XXXX  did 3 hard pulls on my credit with Equifax in 2019 all within a couple of weeks. They advised they'd remove the extra pulls as they were due to their own system problems. They say they tried to remove but Equifax shows them still there. 

See attached.
Consumer complaint received 2019-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have disputed the late payment status reported on XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

This is NOT a duplicate report and this is not filed by a XXXX party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore , please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can not provide these XXXX things please delete these accounts from my credit report. Thank you.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

I bought tickets to XXXX XXXX concert on XXXX for XX/XX/XXXX. They literally rescheduled the concert the day before. Now it is going to take place until XX/XX/XXXX. I will not be living in XXXX XXXX by then. 

I sent a message to XXXX to get my refund and they simply stated the event organizer was not authorizing refunds. 

I disputed it with my bank, Navy Federal Credit Union and they too denied it because no refunds at this time.
Consumer complaint received 2021-07-01
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: Nelnet, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

The creditor closed the account in XX/XX/XXXX for {$85.00} balance. They are still billing me the monthly payments and late fees since. Due now XXXX.. I opened up an account with XXXX, XXXX XXXX in XX/XX/XXXX to help rebuild my credit. I had a check that didn't clear in XX/XX/XXXX, and returned twice from my bank, in which XXXX XXXX closed my account. Balance then was {$85.00}. As of XX/XX/XXXX, I was charged an additional {$44.00} plus late fees, for not making the monthly payment. XX/XX/XXXX I was charged another {$44.00} plus late fees for not making the monthly payment, XX/XX/XXXX I was charged another {$44.00} plus late fees for not making the monthly payment. I'm being charged monthly payments on a closed account. Instead of just paying off the balance due. The balance is increasing. I only had a credit limit of {$200.00}, and when it was closed by them, the balance due was only {$85.00}. I'm very upset because at this rate, I will owe over {$700.00} on this account, and it's not open. I though that once an account is closed, all monthly charges stop. And, the {$85.00} balance that was due was all that I owed because the account was closed. XXXX XXXX is not doing that, they are incurring monthly charges on a closed account as if it was open. I feel this is illegal, and unethical. On XX/XX/XXXX, because my credit score is dropping I made a payment of {$150.00}, not because I was in agreement with the amount but because it's hurting my credit score every month. I need someone to resolve this immediately before this closed account balance reaches a XXXX dollars..
Consumer complaint received 2016-08-05
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2016 I received a call from XXXX XXXX XXXX. I spoke to XXXX XXXX. He reported he had an investor whom wanted to purchase my timeshare. I received a welcome letter. He requested a high resolution drivers license picture ID and to sign the letter of intent. He then returned a call and stated the sale would go to the senior escrow manager XXXX XXXX. Both XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX in XXXX Colorado were very convincing. XXXX XXXX stated I would need to pay closing fees. This fee would be {$5100.00}. He then explained the buyer would reimbursed the fee. He was very convincing. The wire transfer via an intermediary bank.. This bank was XXXX XXXX XXXX. Next the escrow representative stated XXXX would need to pay XXXX % tax as I allowed family and friends to use this timeshare. even when stating I never received any compensation, XXXX XXXX indicated I would need to be registered as a international investor. This would allow me to sell the property. This time the cost to register as a foreign investor would be {$6800.00}. Once this was paid the scam continued. When I questioned him he indicated the buyer would get me for breach of contact. When XXXX XXXX stated the Bank in XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) was refusing to release the escrow account. " The following XXXX XXXX XXXX ( XXXX ) Wire Transfer Confirmation XXXX has been retained for delayed deposit, uninsured payments, and security reasons by XXXX with the intent to combat XXXX XXXX Money Laundering. When I became desperate he indicated the last step would be for me to take a policy from XXXX. He indicated this would allow the insurance to help bridge communication between the bank and the seller. cost for this was {$9300.00}. Once I paid this, XXXX XXXX and XXXX XXXX stated the claim would be paid. The issue, this time I needed to pay the deductible. This deductible would be {$15000.00}. When I began questioning the both neither could provide details to this policy.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

On XXXX XXXX, 2017 I logged into XXXX XXXX and I see that my XXXX XXXX account and my XXXX XXXX account is not showing up on my account and has cause my length of credit history to go down and my credit utilization has gone up due to these accounts being removed from my account.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-02-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (NC)

Discover bank online - their online bank transfers and wire transfer has been offline since yesterday XX/XX/2023. I have been trying to close a large account balance. Spoke with XXXX at the XXXX  XXXX. She said the systems were down and they could not transfer money over the phone. I attempted to sign on to their web portal without success. Same message. I was transferred to XXXX XXXX at the XXXX XXXX. She said they could not help close my account and transfer my funds to linked checking account. She stated they had an unknown systems issue and could not determine how long it would take to resolve. I own this account and I should have access to my funds. This is unacceptable. I have tried multiple other times to transfer the money using their app but it stops me at verifying checking account. Same results on their website. XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

I am an online merchant/small business owner. My 2 websites offer PayPal as a method of payment. PayPal recently changed its policy to now when a merchant processes a refund, PayPal will keep the 2.9 % + .30 cents transaction fee. This is unheard of in the payments industry! The most a payment processor keeps is usually the .30cents transaction fee. I recently had 2 suspected fraud orders on one of my websites totaling {$5600.00} that used the PayPal service as a method of payment. Within 30 minutes of the fraudulent charges, I voided the orders and refunded the money back to its PayPal account. However, PayPal kept the 2.9 % processing fees, so PayPal took approximately {$160.00} from my PayPal account. Firstly, PayPal should not be doing this period no matter the transaction type! But, what makes this even more infuriating to me is they do this even when a merchant suspects the payments to be fraudulent. So, I was still robbed of {$160.00} but not from a fraudster in the XXXX XXXX but from PayPal in XXXX XXXX. This is unheard of and is nothing but theft in my opinion! Please investigate PayPal and demand fro them to stop thieving from the retailers that have made them a success. As a result of PayPal 's new policy, I no longer accept PayPal as a form of payment.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION (VA)

On XX/XX/2019, opened sole proprietorship business account. On XX/XX/2019, called to close account as I will be moving to a state that does not have M & T Bank branch locations. Upon attempting to close, representative first advised {$50.00} fee for early closure. Upon asking the terms, representative could not confirm if this was for closure within 6 months or 180 days ( both of which did not apply in my case ). After being placed on considerable hold, representative advised that any account closure was subject to fee of {$50.00}.
Consumer complaint received 2020-11-04
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 XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$8500.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$560.00} XXXX APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MN)

I have inaccurate information reporting in both XXXX and XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX with A BALANCE of XXXX, on XXXX, XXXX  XXXX XXXX XXXX open XX/XX/XXXX on both XXXX and XXXX with a balance of XXXX. ALso XXXX XXXX XXXX opened XX/XX/XXXX with a balance of XXXX on XXXX. ALso XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of XXXX and lastly XXXX XXXX  opened XX/XX/XXXX with a balance of XXXX and the companies have taken no action to remove these item after several letter and attempt over the past 90 days and more.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2017-11-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (CT)

This complaint is against SLS - Specialized Loan Servicing -  trying to attempt to collect an unverifiable debt that 's been charged off not once but at least twice prior - if we are even talking about the same " loan ''. They very well may be trying to collect on fake debt for the Supposed Holder in Due Course, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX internal statement XX/XX/XXXX shows Realized Loss of {$60000.00} on Group XXXX - Loan ID XXXX. 

Then an internal XXXX XXXX XXXX statement inadvertently sent to me shows the very same transaction being " charged off '' for {$60000.00} on XX/XX/XXXX referencing data from the XXXX  - XXXX XXXX XXXX XXXX. Loan ID XXXX. 

Then magic happens and SLS assigns XXXX as the new account number on an alleged outstanding principal balance of {$60000.00}. 

This banking / " mortgage '' / loan mischief and deception is to cease now. The shenanigans are truly out of hand.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report as soon as possible.