davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (SC)

My employer sent me a gift amount approximately XXXX. in a visa debit card. I activated the card last week went to use it believe XX/XX/XXXX told it was emptied. Upon further investigation told multiple purchases made at XXXX by a person last name XXXX lives in NJ. I have filed a report with my prepaid center visa debit card. I have no idea how this could have happened but left feeling vulnerable. I believe I tried using the card at a XXXX XXXX before realizing the card is good for certain stores chains. Thanks
Consumer complaint received 2018-10-28
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. (OH)

I went to XXXX XXXX College in XXXX XXXX Ohio in 1994. I was told by the school my grants covered my school. After i graduated I started receiving bills for XXXX. I have fought this tooth and nail, and because I was young back then i gave up on the fight because it was stressful fighting these collection agencies. After being refused credit for years i decided to call the XXXX XXXX XXXX XXXX company and ask for a copy of promissory notes totaling the XXXX, and what i received in the mail is a blacked out piece of paper that was ineligible to read, that said " sorry best copy we have '' It stated a loan for what looks like {$3500.00}, and someone had written my social security number on a piece of paper and taped it to the top of the copy. I immediately contacted them and said this is not sufficient and I do not owe XXXX and i want it removed from my credit report. They then sold the collection numerous times to so many collection agencies that now it is duplicated on my credit report and says i now owe XXXX. This is an injustice of the reporting bureaus for not actually verifying or correcting the duplicates on my report, let alone saying I owe a loan i do not owe. 
I have recently contacted all 3 credit bureaus via certified letters for each student loan collection account and duplicated collections. Each one said they verified I owe it and i know they did not verify it. I asked in the certified letter for signed documentation of the loans or please remove it from my credit report. They did not send me any signed documents and only updated each account saying it has been verified. Also another issue is, each collection agency has posted that i have been making payments on the account every few years in a blatant attempt to keep this on my report another 7 years. Im absolutely ready to file a lawsuit against each collection agency and the credit bureaus. They have ruined my credit for 25 years. I need help, this has been impossible to deal with due to selling the collection to so many agencies and none of them will remove it. Ive called them, only to be yelled at and told I need to make a payment. By the way each time i call a collection agency, they hurry up and sell it to someone else. This should be against the law, and probably is.
Consumer complaint received 2018-10-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NV)

I've submitted several disputes with XXXX and XXXX  directly, but nothing is being resolved. I am disputing the {$1700.00} collection account on my XXXX  report, because I do not owe {$1700.00} to Transworld Systems Inc, which is the collections agency trying to collect this debt. The original bill was for {$1700.00} and {$1500.00} was covered by my insurance bill, leaving {$240.00} remaining due to the original medical provider. XXXX XXXX XXXX, Transworld INC and XXXX are falsely reporting and trying to collect a wrong debt not owed. Every time I have disputed this, all I receive is an email or a letter from Equifax stating that they have verified that the debt is mine and has remained on my credit report. I do not owe {$1700.00} and I have provided proof attached to this formal complaint.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (FL)

I noticed that Common Wealth Finance reported {$200.00} debt in my credit report and I asked them to remove it since I have always been covered with health insurance and never received a bill from anyone related to XXXX  XXXX. I asked them if they had proof of my debt to please send me details, they never did and again reported me.
Consumer complaint received 2018-10-28
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. (NY)

I received today an updated XXXX credit report. There is an account that is showing as adverse ... XXXX ... .this account was never paid late back in XX/XX/2013. I have contacted the creditor personally a few times and it has been agreed that the account will be corrected and put on my credit report as a satisfactory account that is paid as agreed. They put the status as paid as agreed but yet listed it as an adverse account which is affecting my credit score. XXXX has corrected the issue as of date. XXXX  will not correct my credit report.
Consumer complaint received 2018-10-28
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. (NY)

I received today an updated TransUnion credit report. There is an account that is showing as adverse ... XXXX  ... .this account was never paid late back in XX/XX/2013. I have contacted the creditor personally a few times and it has been agreed that the account will be corrected and put on my credit report as a satisfactory account that is paid as agreed. They put the status as paid as agreed but yet listed it as an adverse account which is affecting my credit score. XXXX has corrected the issue as of date. TransUnion will not correct my credit report.
Consumer complaint received 2018-10-28
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (NY)

This company is constantly calling me leaving detailed messages about someone else ( which is illegal, they are leaving someone elses name and information on my voicemail I have proof of this ). The person leaving the message is stating that Im related to the person they are calling for, and that they need to speak to me. These people need to get their records straight. I am not in anyway attached to this person and this company needs to stop calling me, theyve called me several days for months, several times a day Ive asked you before not to be called and they keep calling, this is illegal and this has nothing to do with me. I do not know this person that they are calling for. The next step will be a lawsuit they need to take my number off of their records and stop calling me.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I was paying my XXXX XXXX XXXX card every month online. As the card was suspended, I destroyed the card. I continued to make payments online. In XXXX they locked my online account access. Since I am unable to call during weekday office hours I could not contact anyone. I didn't make any payments. Then in XXXX when I was on vacation, I spent over 2 hrs on hold on 3 different occasions trying make a payment. The process on the phone is tedious and hold times terribly long.I just want them to unlock my online access so that I can make payments online. Now that I've caught up with other bills I am able to pay it on time. I just can't be on the phone during the week to do it.
Consumer complaint received 2021-09-23
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

I filed a dispute with XXXX in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a business checking account as well as a personal checking account with Capital One Bank. In the past, I was able to transfer funds from my business to checking account to pay my personal bills and etc. Capital One has recently updated their website and they are now telling me that I can not make transfers or pay myself from my business account. They are MISLEADINGLY referring that to IRS tax policies. I am have asked them to review my past transactions where clearly shows these types of withdrawals. 

In addition, my business saving account has interest payment IRS tax withholdings. I have patiently worked with Capital One to correct my Federal Tax ID number which was mistakenly typed wrong by them. This has been going on for more than a year now. I have sent them several completed XXXX forms and each time they have failed to correct that in my account. 

The whole process is very frustrating especially when Capital One is treating their 360 Checking account differently than other personal checking accounts. The only choice for me is to cancel my account and go to another bank. This process will be very time consuming and costly as all my vendors are automatically set to be paid ( ACH ) from this account. The whole issue has occurred since Capital One has updated their site and it has nothing to do with IRS policies. 

I would appreciate it if you can help.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Sterling Infosystems Inc. (TX)

Sterling Infosystems has a pattern of putting derogatory information which may belong to one individual onto other family member files. That they have a pattern of failing to timely investigate matters and purge derogatory information on a timely fashion. 

On XX/XX/18 I was provide a copy of a background report provided to XXXX  On XX/XX/18 I submitted a certified letter disputing the information and requested it be investigated and as of XX/XX/18 Sterling Infosystems has not responded
Consumer complaint received 2020-01-29
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. (NY)

After submitting a dispute challenge letter to ( TransUnion ) in  reference to ( XXXX XXXX XXXX  ) and company it was transferred or sold to ( XXXX XXXX XXXX ) in XXXX of 2019. I believe that TransUnion has not investigated this account has they say that did. 

Reason : Both ( XXXX XXXX XXXX ) & ( XXXX XXXX XXXX ) still  appears on my TransUnion credit report as updated & verified. 

TransUnion is in violation for reporting a collection account. ( Of which currently reports an inaccurate date of last activity ) a violation of FCRA. TransUnion does not report last date of payment on a collection account. A violation of FCRA. 

TransUnion currently reports inaccurate high balance & or credit limit. A violation of FCRA
Consumer complaint received 2018-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This company called Portfolio Recovery keeps on calling my business at all times of day and week using different phone numbers from different states and I have  never had a business credit card some of the dates and times are XXXX-18 at XXXX XXXX from California number XXXX XXXX-18 T XXXX XXXX from new jersey number XXXX they also have called from Georgia, new York, texas, and some other states and I have asked them to stop calling my business and they have also called as late as XXXX XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2018 I sent this company a letter stating that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I received nothing back from them and they removed this item from my credit report that was account number XXXX for {$1800.00}. Now they have placed this item back onto my credit report under account number XXXX. for {$1800.00}. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I am demanding they remove all of these accounts from my credit report from all three bureaus.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (IL)

Dear XXXX, XXXX and XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Self Amount : {$690.00} Party Owed : XXXX XXXX  Amount : {$770.00} INQUIRIES XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX BANK NA Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I XXXX disputing this claim due to : I had know knowledge of these accounts addresses or inquiries nor did I give permission for anyone to sign up with their company underneath my information I have also sent dispute letters as well as FTC report to the companies and credit bureaus listed above This is my official request to have the aforementioned item to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.
Consumer complaint received 2018-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

My PayPal account was shut down without any warning. This was a major part of my income. They said it was because of the XXXX  that I was selling on XXXX however this is only one of the products I sell through PayPal and XXXX only contributed to a small portion of my income. I purchased the Caffeine from XXXX with PayPal and sold it to consumers and accepted PayPal so there was no way for me to know that this was against PayPals policy if i purchased it from a supplier that accepted PayPal and has been selling it for years and still is!. This happened on XXXX. There are only so many payment processors out there and if you get cut off from one like this your out of business! The XXXX  '' s were my personal information i blanked out. Here is what they said : Dear XXXX, A recent review of your account activity identified products/services on your website violate PayPal 's Acceptable Use Policy. Specifically, supplements containing unapproved drug ingredient such as : Pure XXXX, Powder, Anhydrous, 99.0 %, 20KG XXXX XXXX XXXX are associated with XXXX  ; XXXX XXXX XXXXXXXX and are not permitted on our platform. Therefore, your account has been permanently limited. 

Please remove all references to PayPal from your website/s and/or auction/s. This includes not only removing PayPal as a payment option, but also the PayPal logo and PayPal shopping cart. Please refer to XXXX  user XXXX  Per the User Agreement, when PayPal permanently limits an account due to a violation of the Acceptable Use Policy, any funds on your account are held for 180 days. In addition, y

ou may be liable for any amount of damages PayPal incurs for each violation of the Acceptable Use Policy. Note that should any chargebacks result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

Sincerely, XXXX PayPal, Brand Risk Management PayPal
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Army and Air Force Exchange Service (FL)

Nothing happened with the credit agencies as they have names that Ive never gone by, removed incorrect or wrong payment history as the three agencies have different payment historys of the negative items that Ive asked to fix. Addresses that Ive requested to have removed never was by the credit agencies as Ive lived at my current address of XXXX XXXX XXXX XXXX, FL XXXX since the XXXX XXXX XXXX XXXX which is going on XXXX  years. The other addresses Ive requested many times from the credit agencies to have all of this corrected and removed to include any inquiries because Im not the one requesting them.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have been reported to credit bureaus by OCWEN Loan Services LLC for being late ( over 30 days ) .. I immediately contacted OCWEN last year after seeing that they had reported my XXXX 2015 payment had been reported as more than 30 days late. They promised me they would correct this. It is still there! I have verified with XXXX XXXX XXXX that the mortgage payment was paid electronically one day later. This is within the period ( before XXXX XXXX ) that payment was to arrive to be considered ontime.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

Contacted AMX on the XXXX of XXXX after arriving at XXXX to find out that they canceled the hotel reservation. Had made the reservation hours earlier and notified them that we would be arriving around or sometime after XXXX. We were assured that the front desk would be notified and not to worry. We placed another call to reservation to let them know we were arriving shortly. This call was sometime shortly after XXXX and around XXXX. However, reservation informed us they did not have a room. 

I went directly to the hotel clerk and spoke with the clerk at the front desk who told me that it was reservation who canceled the room because it was after XXXX. I told the clerk that we had called twice to notify them that we anticipated an arrival time of around XXXX. 

He sent me across the street to a motel. The hotel clerk at the motel did not seem to know anything about XXXX covering the charge for one of their rooms. The clerk at the motel wanted payment. 

I called AMX while I was at this motel and spoke with a gentleman on the phone to report that XXXX was refusing to refund me for the room that they opted to cancel. I explained I did not want to be charged as I felt strongly that this was a scam. The hotel clerk admitted knowing that we would be arriving late into the morning hours. I was charged {$170.00}. 

This motel was not a place where I felt we would be safe and I was not about to get charged again and their rooms advertised for as low as {$50.00} to {$90.00}. 

We slept in the vehicle at a rest stop and drove on to VA where we checked in at the XXXX XXXX in XXXX. The clerks at XXXX informed me that the way the system works in the hotel industry for reservations is that when someone calls to notify the hotel that they will be arriving late that the room remains reserved until the parties arrive. They informed me that the clerk had the option to keep the reservation and instead opted to give the room away.
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: EQUIFAX, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED ACCOUNT THAT I HAVE REQUESTED REMOVE DO TO FRAUD RELATED ISSUES. PLEASE DELETE : XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (IN)

They are contacting my co-workers asking where I am located. These are people who only know me by name. So far to my knowledge they have called at least 2 people. 

I am currently having my wages garnished for the debt they are trying to collect and they are still harassing me and calling third parties about me.