davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

On XX/XX/XXXX, I was about to secure a mortgage. I have memberships with XXXX  and XXXX.

On XX/XX/XXXX My XXXX credit score listed at XXXX.

On XX/XX/XXXX, I received an Alert that Discover lowered my credit Limit.

I logged into XXXX and found out Discover lowered my Credit Limit from {$16000.00} way down to {$3300.00}. This had a negative impact on my credit to ratio raising it from 33 % to 39 % As a result my Credit score with XXXX, XXXX and XXXX  dropped 19, 27 and 24 pts ( see attached ), I believe Discover received an inaccurate credit report on me. I did have an issue with a XXXX XXXX   account reporting as 60 days late.But that was resolved quickly and properly updated.

I am requesting Discover reverse the credit limit decrease since it used inaccurate information.

But even with the inaccurate report the Discover likely used, I have to ask if my limit decrease was in line with others of similar credit history. I mean a drop from {$16000.00} to {$3300.00} when I have never been late with Discover. Only used about 10 % of my available credit with Discover and my credit score even with the inaccurate reporting was still around 630 However, I do have another concern : Due to the recent political atmosphere I have experienced discrimination as a result of my name XXXX XXXX the stigma from people and corporations assume I am or was a XXXXXXXX XXXX. This could not be further from the truth and for the first time in my life I feel like I have to begin defending my heritage.

Therefore, I would like to address that : I am a 2nd generation American citizen, My father was born here, my Mother is XXXX and XXXX.

My father, who grew up poor, worked his XXXX off and became a successful XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

I followed my father as a XXXX XXXX but also expanded as an XXXX.

My wife is also XXXX and I have XXXX   beautiful ( XXXX XXXX ) daughters.

I own 3 homes : which I built Primary residence : 1. XXXX XXXX XXXX XXXX XXXX XXXX Value {$700000.00} and only owe approx. {$150000.00} 2. My lake house : XXXX XXXX XXXX XXXX   XXXX  XXXX  Value {$800000.00} ( I owe {$210000.00} ) 3. My vacation condo in XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  Value {$460.00} ( I owe {$190.00} ).

I own the following companies : XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX.

MY XXXX  page is under : XXXX XXXX ( where I network all my businesses )
Consumer complaint received 2020-07-16
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (FL)

i have sent in dispute letters to all 3 bureaus for 5 months now and no changes and no replies. There are inquires that are on my credit and I have no knowledge of them. i have asked for proof and got nothing
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc. (GA)

GM financial is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
Consumer complaint received 2019-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I noticed 2 recent Inquiries on my credit report that I do not recognize nor did I give permission to run my credit. The first one says University XXXX XXXX on XX/XX/2019 and the other one says XXXX XXXX XXXX on XX/XX/2019. I tried to dispute these on the Transunion website but they did not have an option for that so I called the Transunion customer service and they would not allow me to dispute the fraudulent inquiries that I did not allow. They said I would have to get a letter from the companies which makes no sense to me. Please help.
Consumer complaint received 2020-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (PA)

It was court ordered that my ex-husband, XXXX XXXX, was responsible for my out of pocket medical bills. Both XXXX XXXX, and my lawyer at the time, XXXX XXXX, worked out a mutual agreement. They presented it to MEDICAL DATA SYSTEMS. They stated that they would accept the terms, although they honored them. 
XXXX XXXX, paid them IN FULL, according the mutual terms. They stated that it would not be reported to the credit bureau, but there it is. 
I contacted them multiple times, and sent them documents numerous times showing them that they did not agree to the terms. Although it was paid in full, they were deceitful, and rude. It has a XXXX  balance. It doesnt state that it was written off. There is absolutely NOTHING to substantiate their actions.
Consumer complaint received 2021-07-14
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: ERC (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2020. 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. 250 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 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (MA)

Below is a copy of the email I received : From : XXXX XXXX XXXX Date : Tue, XX/XX/2020 at XXXX XXXX Dear Debtor, I am the attorney of the National Credit Collections ( Hereinafter Plaintiff ), I have received your case file today from XXXX XXXX. The accounts department XXXX National Credit Collections has decided to mark this case as a flat refusal and press legal charges against you. 



This Legal Proceedings Will be issued on Following Details : Docket no:XXXX Reference # : XXXX AMOUNT OUTSTANDINGXXXX Settlement out of court : XXXX ( Only valid for today ) And we apologies that the Arrest Warrant Which you will receive in your next email positively by Monday will also be sent to your current employer too. The opportunity to take care of this voluntarily is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to XXXX and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 



Thank you National Credit Collections XXXX XXXX XXXX # XXXX, XXXX, TX XXXX National Credit Collections 2020 XXXX XXXX Terms of Use | Careers | Complaints | Privacy Policy -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
Consumer complaint received 2020-04-21
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 cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$120.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$1200.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX   XXXX {$230.00} XXXX XXXX {$140.00} XXXX  XXXX {$110.00}
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

My full name matching my id XXXX XXXX XXXX, Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you
Consumer complaint received 2020-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

My federal student loans are currently being serviced by FedLoans, and I am participating in the Federal public service loan forgiveness ( PSLF ) program. I am currently a XXXX XXXX in a 4-year program at a PSLF-eligible XXXX. Since XX/XX/XXXX, I have made monthly payments and therefore at this time should have a total of 48 of 120 PSLF-eligible months/payments at the end of these 4 years ( XX/XX/XXXX ) The number of PSLF-eligible months/payments reflected on my account with FedLoans does not reflect this. During my public service ( XXXX  at a XXXX XXXX   XXXX  ) I also enrolled in a XXXX  XXXX  and received additional loans for tuition, and somehow this took me out of the PSLF program even though I was told it should not affect it and I was told when it showed up wrong that it would be fixed by multiple agents I spoke to. It was never fixed and this was in XXXX. I was even told that based on my income at the time, my payments should be $ XXXX/month so even though they hadn't documented those months they could go back and add them. 

I tried several times to speak with their customer service and was told that a recount could be performed. However, this has not be rectified. I am going to be continuing to work in public service after residency graduation in XXXX, and I have XXXX little children and tremendous student debt. 

I am doing everything I need to do to qualify for this program - please can you help me recount the missing months from my PSLF record.
Consumer complaint received 2020-07-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC (CA)

Mosaic gave me a loan for my residential solar system in spring of XXXX. However my system has still not been turned on due to delays from XXXX, the city of XXXX XXXX XXXX where i live and COVID-19. My loan is paid for by my solar system collecting solar energy and selling it into the grid. However my system is still inactive due to COVID so i do not have the revenues to pay the loan as planned. I asked Mosaic for forbearance and they told me it was my problem and i have to pay or they will start assessing late fees and report to credit agencies. 

I also asked if they had a forebarence plan due to COVID and they said no. Turns out they do have a forbearance program and i was not offered it. when I found out, now in XX/XX/2020, i called their servicing department. The department told me they do have a forbearance plan if we have experienced financial hardship ( which we have, pay cut ). when i asked for it to be applied retroactively since i missed 3 months of potential help due to them not fairly disclosing the option to me ( in fact they said they had no such program ), they just said " sorry,  nothing we can do. '' I asked if i could apply for the forbearance program now ( XX/XX/2020 ). They said i need to call back closer to my next payment date ( XX/XX/2020 ). When i asked why and if their computer system could not handle a request being made 25 days early they said " that's just the way it is, sorry. '' In other words they are just trying to make it harder.
Consumer complaint received 2020-09-11
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. (LA)

They are reporting a 90 day late payment for XX/XX/2020 when I paid on time in XX/XX/2020. How can I pay on time in XX/XX/2020, and then become 90 days late for XX/XX/2020? From my understanding, I would have to have been 3 months late to receive a 90 day late on my credit report.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (PA)

I attempted to reach out to this company and ask that they verify this account was mine. At this time I have received nothing. I sent a letter XX/XX/2018 and asked they show ownership. I reached out to the credit bureau and at that time was told I needed to speak with XXXX again and no response. From there I wrote another letter asking for this to be removed from my credit and contact with me cease. At this time I am currently getting threatening calls and was told the agency will contact my local District Attorney office and have me arrested.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On Wednesday, XX/XX/XXXX my Wells Fargo Debit Card was fraudulently used with XXXX 's, XXXX Grocery, and XXXX. I received {$93.00} in charges against my Checking Account from Florida. XXXX 's Charge was for {$61.00} and XXXX was for {$31.00}. The XXXX charge was declined by my bank for suspected fraud. Wells Fargo has issued me a new debit card and has provided me a claim number while they investigate.
Consumer complaint received 2020-07-16
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)

The accounts listed do not belong to me and MUST BE removed. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent claims are as follows : XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX XX/XX/XXXX {$0.00}.
Consumer complaint received 2020-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I received a letter from Transworld Systems Inc. regarding a debt to the " XXXX XXXX XXXX '' creditor. I checked my credit report and have no such debt. I have not received any services or communications through this creditor and do not recognize the account number.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (GA)

Since XXXX of XXXX, my debit card was compromised and used to charge over {$1800.00}. 

I made a complaint with the Go Program, but they would not help me. 

As of XX/XX/2020, I provided the Go Program with a police report indicating this was fraud and itemizing each of the unauthorized charges in the police report. I have also filed an FTC Identify Theft Report and provided another itemization to the Go Program. 

I have provided all the appropriate documentation to the Go Program to honor my fraud claim.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (IL)

I spoke with an employee of XXXX XXXX XXXX XXXX XXXX on XX/XX/20, where we agreed to settle the account with Discover Bank for {$150.00}. The original balance was {$210.00}. I received a confirmation letter of the agreement and the rep took my payment. He then provided a confirmation number. Then on XX/XX/20, I received a letter from XXXX XXXX XXXX stating that Discover Bank referred my account ti them with the past due amount of {$52.00}. 
On XX/XX/20, I sent a certified response letter via USPS to XXXX XXXX XXXX. I never received a reply from them. So, I called them and was told by two lady representatives the matter would be resolved. On XX/XX/20 I received yet another letter stating I owe {$52.00}. I have now sent an email of all of this information to XXXX but this has now passed the 30 days they had to respond to my initial letter.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I have received a prepaid card which I am unable to use because the transaction keeps getting declined. There is only one way to contact the company ( by phone ) and for the past two months they " have been experiencing extraordinarily high call volumes '' and never pick up the phone.
Consumer complaint received 2017-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

I completed a bank wire on X/X/17 to XXXX ( Coinbase Inc. ) in the amount of {$19000.00} ( transaction # XXXX ) via the companies instructions so I could get same day deposit as advertised on their website. Since I missed the timeframe listed ( XXXX PST ), I should have seen the deposit to my account the following day. There was no deposit on XX/XX/XXXX or today, XX/XX/XXXX. I have sent 3 emails to support asking for further information or confirmation and have received no replies. I then proceeded to do more research online only to find dozens and dozens of others experiencing the same problem, some stating that they 've been waiting weeks for their deposit. There were few who stated that their issue had been resolved. I do not know if they are defrauding people out of their money or having legitimate service issues, but if they are, this should be noted on their website so people like myself can make a decision to not initiate the transfer in the first place. I was not looking to have my funds tied up for any amount of time, and these delays could be costing me real money.