davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

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. 130 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 2021-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (OK)

On XX/XX/XXXX TIAA bank combined with XXXX to service my lone # XXXX with TIAA bank was changed to loan # XXXX. I tried to log on and make a payment. And was unsuccessful, then when I call there automated system states my loan payment was now {$430.00} my previous payments was {$420.00}. I tried repeatedly to contact the number provided and keep getting hung up on before I can speak to anyone concerning the increase of {$16.00}. Now I am a day late and have never been late paying the payment. No email was provided and not able to reach a real person.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

XXXX XXXX is incorrect information I did not have two late and I only owe them {$300.00} and also Cabelas is not reporting correctly the amount that I owe and I have not been late with them either and XXXX  credit is also not late.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (IL)

I sent {$25.00} to my relative in XXXX as birthday present through PayPal on XX/XX/2022. My relative 's bank is XXXX XXXX in XXXX, XXXX, XXXX. I called PayPal because the money was not posted to my relative 's account. She contacted the bank and they claim they do not do business with PayPal. 
I asked PayPal to stop the payment and refund the {$25.00} to my account. PayPal is asking me to verify my tax status in order to keep conversation going. The funds were taken from my personal checking account. I do not know why PayPal continues to request my tax status information. 
Furthermore, PayPal claims the transaction was completed and they can not do anything about it. 
I think PayPal should let U.S. customers know what is required to successfully transfer funds to an individual abroad. They need to disclose any fees upfront. None of this information was given to me. I need help with recuperating a refund for {$25.00} that is sitting in limbo. XXXX XXXX XXXX, email : XXXX did not receive the money from her bank.
Consumer complaint received 2020-07-18
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. (NY)

THE DISPUTED ACCOUNTS LISTED HAVE TARNISHED MY CREDIT, MY SSN, MY NAME AND HAVE CAUSED SERIOUS DAMAGE REPORTING INACCURATE TRANSACTIONS ON MY CREDIT REPORT. I AM DISTRESSED THAT THIS IS HAPPENING TO ME, THOSE INACCURATE ACCOUNTS HAVE MADE IT SO HARD TO ACQUIRE NEW CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORIES REMOVE OFF MY CREDIT FILE.
Consumer complaint received 2021-03-02
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. (TX)

Over the past 4 weeks I have tried in several occasions to stop the use of my credit - several times my credit has been pulled and someone is trying to use my information to open credit accounts!! I want this to stop as it is hurting my credit score! This is fraud- I am now going to place a freeze but I would like the hard credit runs to be removed NOW!!
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (GA)

This is the second time ive had to use a third party source just to get a response id like my account closed and check mailed to much shady practices going on if you can just randomly freeze with no red flags and force me to travel all the way to south carolina when you know the account wasnt open in any branch. 
For one your not even telling me the reason why i need to step into a branch. 
Every transaction has my name on it except for the deposit from Texas i specifically told the branch to return. If phone calls are recorded then they should be able to find that phone call but they are selectively choosing which conversations to record and which notes to save.
Consumer complaint received 2018-06-25
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MI)

The most recent contact with XXXX XXXX ( Care Credit ) and XXXX was today, XX/XX/XXXX. This is in reference to account # XXXX. Since XX/XX/XXXX, I have been in contact with XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX about requesting to have the information related to this account removed from my credit report. 

My first concern was about the information on my credit report : it was never updated to show the balance was satisfied by either Synchrony or XXXX. XXXX has been agreeable and helpful. Synchrony has not. 

The debt itself is not the issue and I am not alone in this country as someone who has suffered financially. I was going through extreme financial hardships in XXXX and was unable to pay even the minimum balance on the care credit card. However, I paid the debt IN FULL as soon as I was able and paid it directly to XXXX XXXX XXXX ( the account was sold to them by Synchrony ). 

My issue is the total debt was less than {$1500.00} and Synchrony refuses to treat collections on a case-by-case basis. My debt was compared to that of being in default with a mortgage -- that is ridiculous. I find this incredibly unfair and an unrealistic approach to resolving account issues. Synchrony also explained that charge offs will deter lenders from approving future loans. This sounds like Synchrony enjoys controlling the goals we try to achieve. I find it disgusting that a company refuses to acknowledge that people go through tough times but not all of us CONTINUE to go through tough times and work extremely hard to pull out of those tough times. If a > {$1500.00} debt will hold me back from buying a house or buying a car or asking for a student loan to further my education, I think that speaks volumes of Synchrony and their lack of support for people to want better and be better. The truth is : not all debt is the same.

I am asking again for the account related to XXXX XXXX ( Care Credit ) be removed from my credit report and I hope Synchrony will be open to revising their policies on deleting charge offs from credit reports.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (UT)

Discount Tires is incorrect information I did not have two late and I only owe them {$300.00} and also XXXX  is not reporting correctly the amount that I owe and I have not been late with them either and XXXX  credit is also not late.
Consumer complaint received 2018-06-25
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (CA)

In XX/XX/XXXX, I received a XXXX Grant of {$4000.00}. The terms of the grant were as follows : 1 ) XXXX in a XXXX XXXX ( XXXX ) 2 ) XXXX in a high-needs XXXX ( XXXX  XXXX ) 3 ) Do so for four of the subsequent 8 years. 

I have XXXX XXXX in XXXX XXXX XXXX for the subsequent 9 years. The XXXX XXXX   website is a horrible thing, but I continuously sent in notes saying that I was working in a XXXX XXXX XXXX XXXX XXXX. I had other, larger, loans to forgive and I knew ( or thought I knew ) the terms of the agreement so I wasn't worried. 

At several points I noticed that there was no XXXX Grant link on my loan page ( when I could get to it -- the website is a horror, remember? ) and contacted them. At one point in XXXX, I talked to someone on the phone and arranged to submit three years of certification at once. Had I known of these issues, I would have submitted a fourth year -- I had plenty, it's just that I had three forms readily available. I thought I would just submit the fourth year in the XX/XX/XXXX, which is when I usually did paperwork. I did get warnings through this time, but I'd been getting warnings throughout the process. They reconverted my grant several times without ever indicating I was failing to do some essential thing. The essential thing, which was probably mentioned somewhere in the paperwork but was NOT mentioned in the phone call, was that I had to recertify every year. I never recertified, to my knowledge. All I ever did was call them up and ask to have it converted back to a grant because they'd screwed up and I was still teaching math in a Title I school. 

Then in XX/XX/XXXX when I went to submit the last year, I was told that I couldn't submit, that it was permanently converted to a loan, that there was no recourse. I argued with them for months, and at no point did they mention that I could have appealed to an ombudsman. They said that loans are never converted back to grants but they are, and I have the email showing they converted mine, and that they accepted three years after the fact. But they won't accept ONE MORE YEAR of proof. Instead, they have converted the grant to a loan and charged me nine years interest.

The " annual recertification '' is a joke. First, it's not routinely mentioned in the publication of the XXXX grant ( although I'm sure I saw it in the loan papers ). Second, I have told them every year I intend to teach. Third, they are denying me this entire grant and charging me interest because they refuse to accept proof that I've met the terms of the grant. In other words, they are hitting me with a XXXX penalty and 9 years of 6 % interest because I missed a deadline for one quarter of the evidence needed, even thoguh I have the evidence and tried to submit it long before they converted it formally into a loan.

This is a huge problem for many people, but I don't know that many who have been hit with 9 years interest who have likewise worked in the service area required for nine years.
Consumer complaint received 2018-06-25
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: Navient Solutions, LLC. (VA)

I have an identity theft problem with 2 accounts on credit report from Navient. Policy and IDTheft.gov docs plus other docs submitted in XX/XX/2016. 10 investigations have been opened and closed by XXXX. Other 2 agencies took off report but not XXXX. Now they want new police reports, etc. I am hearing impaired and have been given bad number to dial, told to get a lawyer so my wife can have power of attorney, etc. Now Navient is suing and they haven't provided documents either to me. I have a lawyer. I need help.
Consumer complaint received 2018-06-25
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: NAVY FEDERAL CREDIT UNION (CA)

Apparently someone has an account with a fake email and my information on it through XXXX. They purchased {$2000.00} worth of merchandise allegedly and it was apparently sent to my house without signature. This is WRONG. I called Navy Federal and they told me to open it as a fraud claim, so they did. Now 2 months later, NFCU tells me that since " XXXX '' has my address information, it must be me! Navy Federal scammed me out of my money with no evidence at all except a tracking that shows it was left at a " door ''. No evidence what it was, where it went, or anything. I never got any item. Now I tried to contact them to dispute since they opened a fraud claim and now they ruined me for it. They told me I should have open a " never received merchandise '' dispute now, but they won't let me open one. Navy Federal XXXX  me out of 2k+ and expects me to pay with no hard evidence that XXXX had to say it was me. Oh wow XXXX has my address! I have done business with XXXX a long time ago, so NO WONDER!!! Navy Federal has disappointed me time and time again recently with this process. They need to re-train their representatives. They are not looking out for anyone 's best interest. I am sure they lost my information to a hacker and now want me to pay them.
Consumer complaint received 2020-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc. (OH)

I pulled my credit and found that someone has been using my SS XXXX and DOB XX/XX/1985 to open up credit cards and accounts! The following accounts are not mine and needs to be removed from my credit reports : FEDERAL ADJUSTMENT BUREAU INC # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

To whom it may concern, I have contacted TransUnion Consumer solutions on ( XX/XX/2022, XX/XX/2022, about inaccurate and UNVERIFIED information on my credit report. They have claimed that they have verified it with companies that I have attached they they did not verify this information. Appalled by this information, I went directly to the sources and have provided hard copies from the sources with information that TransUnion keep saying verified. 

I am aware of the FCRA states, that a Credit Reporting Agency must remove inaccurate or unverified information from its files in 30 days after dispute. However, the Credit Reporting Agency is not required to remove accurate data from your file unless it is outdated or can not be verified properly.

TransUnionConsumer Solutions failure to respond within 30 days of receipt of this information and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against TransUnion and your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reporting ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing this account that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/scrub>XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Up to XXXX we have made every payment we were supposed to under the forbearance agreement and then when the forbearance was over gave them XXXX XXXX dollars ie. three regular payments even though we were rock solid on the XXXX a month forbearance terms. We wrote you before with recordings because we did not understand what was going on and included recordings. They have tried to put us under a forbearance plan stripping us of all federal protections which we call and rejected. They have ignored the rejection and though nothing was signed electronically and though I called and said no, insist on this illegal plan. The letter states if you do not agree with the forbearance do not make the first payment. We will not be making the first payment but will be resuming regular monthly payments. You are my witnesses and documentation that we are not agreeing to go into a XXXX XXXX dollar a month repayment plan for six months that strips us of federal protections when we are only XXXX XXXX dollars behind. We will be resuming regular payments not their plan. Thank you
Consumer complaint received 2017-10-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Big Picture Loans, LLC (FL)

XXXX/XXXX/XXXX Received a phone call from this company stating they would be debiting from my bank account in 2 days because of a court judgement against me. I called back to the company and they answered stating they are Arbitration company obtained from pay day loan company I borrowed from back in XXXX. He stated he is a Lawyer and was retained to handle the account. the person then proceeded to transfer me to " XXXX ''. I asked XXXX what is the name of her company she stated XXXX XXXX XXXX. I asked are they an arbitration company and she stated that they are. I proceeded to ask her if they are made up of lawyers and she stated no. So once I looked up the company online I realized that it was a collection agency. I told the representative that this is an collection agency and it is illegal to misrepresent themselves. I told her to take me off their call list and do not call back. She proceeded to say that she is going to hang up and call my job. She also stated that they will continue to call me until I pay her their money. She used vulgar language as well. This is not the first time this company has called me with threats and I have told them not to call my phone again but they continue to harass me.
Consumer complaint received 2020-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.
Consumer complaint received 2020-05-11
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE XXXX PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH XXXX.