davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX  XXXX, GA XXXX the following is a statement regard the restriction of two of my PayPal accounts On XX/XX/2022 I received an e-mail from PayPal stating that I will no longer be able to use my account because it was permanently restricted for 180 days. I received another e-mail on XX/XX/2022 regarding the same 180 restriction on my other PayPal account. I have spoken to several customer service agents and supervisors regarding this matter and no one has been able to able to give me an explaination why my two accounts have been permanently restricted. I have not acted in bad faith or in an illegal manner. Two of the Supervisors I have spoke with have found nothing suspicious with my accounts, and one of them filed an appeal at my request. A representative from PayPal contacted me via phone to tend to the situation, but they had no answers for me and told me there's nothing they can do about the situation. When I gave them the reference number pertaining to my appeal I was told the appeal number is not on file and nothing regarding the matter can be found. I was told that I will have to wait the full 180 days before they will take action and a resolution can be reached. I use those both PayPal accounts because I am not able to use regular bank accounts. The money in those accounts are all the money I have. I do not seek to use PayPal once I get the restrictions lifted from both of the accounts. I only wish to get my money back and use the banking services of another company. This is beyond frustrating and more than an inconvenience. My livelihood runs through PayPal and I am unable to function without the use of the accounts they have restricted.
Consumer complaint received 2022-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SLM CORPORATION (GA)

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2018-08-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

In XXXX of this year, I opened a CitiBank Account Package ( checking and savings account ) under a promotion offering {$400.00} when {$15000.00} new money was deposited in combination into the savings and checking account and the balance was maintained for XXXX calendar days. I deposited {$15000.00} in combination into both accounts on XX/XX/18 and maintained the balance into XXXX. Citi Personal Bankers have confirmed for me over the phone that I have met the requirements of the promotion as of XX/XX/18 ; however, I still have not received the bonus. XXXX days have now passed since I met the requirements. When I spoke to Citi Personal Bankers, on multiple occasions they have told me that the terms state the bonus will be paid ON the XXXX day following meeting the requirements ; however, I shared that the disclosure on the webpage for the offer states " ... you can earn a {$400.00} 'Cash Bonus ' which will be credited to your new Eligible Checking Account WITHIN XXXX ( XXXX ) calendar days from the date you complete all offer requirements. '' The Citi Personal Bankers acknowledged this disclosure ; however, they stated they never see the bonus deposited prior to XXXX   days. 

Since the disclosure states the bonus " will be paid WITHIN XXXX days '', and not " AT XXXX days '', I'd like to file a UDAAP complaint since I was expecting the bonus sooner than day XXXX. At the current moment, I must maintain the account open in its current status with the funds unable to be withdrawn or otherwise risk getting monthly maintenance fees withdrawn for going below the balance threshold, since if I close the account, change it to a different account that has a lower balance threshold, etc. will mean I will not receive the bonus since Citi states the account must be in original form at time of paying the bonus.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was never late. Bank agreed to remove negativity due to their error. Please verify all information is true, accurate, and correct including name spelling, address of record, date of origin. Please check that account is not untimely inaccurate incomplete or unverifiable. Please CORRECT it quickly! 

XXXX XXXXXXXX Late Date XX/XX/21
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (MS)

In accordance with the fair credit report act convergence numbers have violated my rights. 
15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out my written instructions. 
XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-08-21
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: BARCLAYS BANK DELAWARE (TX)

I opened an account for visa card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed. 
XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XX/XX/XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for Barclays Bank Delaware, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by Barclays. 
About a week before XXXX contacted me about this, I had received a letter from Barclays in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to Barclays advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX Barclays responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that Barclays had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and Barclays never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and Barclays never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (MO)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2018-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

To make a very long story short, I applied for the XXXX XXXX XXXX XXXX program back in early XXXX. I waited nearly 6 months before I heard back from them and when I did, I was told that I had XXXX more years of payments to make when I should have only had another year. I asked them to review their info and in XXXX of XXXX, I heard from them and nothing had changed ( they had my consolidation date incorrect and they said that whole years that I was making payments didn't qualify even though I have always been on the XXXX plan and have never changed ). In XXXX of XXXX, I submitted the documentation ( XXXX pieces of paper ) that showed that their info was incorrect. I called back in XXXX to see if there was any change. I was told to call back in XXXX. I just called today, XX/XX/XXXX, and I was told that they were really backed up and that it might take until the SPRING OF XXXX before a decision is made. Meanwhile, I will be making payments that I should not have to make since my loans should be forgiven in XXXX of XXXX.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (OK)

My Chase XXXX card was declined while using the card to make a transaction in XXXX in XXXX. 
I called Chase momentarily to request removal of the hold and was able to speak to the security team. 
They assured me that the hold was removed and I was able to use the card. 
Immediately after getting off the phone, the card was declined again. 
For the following next week, the card was declined for other transactions in XXXX, XXXX, and Colorado. 
After the trip, I called Chase to understand the situation and to get my card activated. 
They were not able to tell me why my card was still declined after speaking to security team. 
I requested that Chase refund the card annual fee for current year or the fee waived for the coming year. Chase said they are not able to do either option.
Consumer complaint received 2018-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NJ)

On XX/XX/XXXX, I sent in an application for the Public Service Loan Forgivenesses Program, in order to find out if I was eligible and how many payments I had to complete in order to qualify. 
To which I was told I had the wrong type of loan and I was not on an income based repayment plan. 
Years have gone by, but every year I keep my eye open for any loan forgiveness programs for XXXX. 
This year, it caught my eye that there was a temporary expansion public service loan forgiveness ( TEPSLF ), which if I read correctly expands the program to people paying standard payments on there loan. So I checked with my loan type again. It was unclear to me what type of loan I had, it just specified consolidated on the website, everyone I have called at Navient tells me its a FFEL, however when I requested a history and the mastery promissory note it specifies all direct loans from the XXXX XXXX XXXX Federal Direct Loan Program. I  called my current serviced, Navient, XX/XX/XXXX and I was thrown through hoops to get a straight answer, regarding the information THEY, sent me on XX/XX/XXXX. One person, saying it was a direct consolidated loan, and one saying it was a smart consolidated loan. Someone told me the direct loans werent issued until XX/XX/XXXX and someone else said XX/XX/XXXX. Needless to say, I am uneasy with how my calls were taken. I spent all morning through afternoon with different people and at one point, when I spoke to their branch thats affiliated with the department of education, I was disconnected when I asked how they would rectify the issue. And they have my number they could have called back. Instead, I had to call back and was put through loops again. 
My other issue is that I never personally signed for this consolidation. In the packet, revealing my history and phone calls to my previous loan services I was, which I was given, on XX/XX/XXXX, there was no consolidation application signed by me. Only the mastery promissory note indicating direct loans. I have great credit, on time with payments and I just want someone that can be on my side to show me proof of my loan type. 
My loan has been transferred three times to different borrowers and at some point I truly believe this happened without my permission. 
It went from conduent, to XXXX, to now Navient. But my feeling is you buy the debt you should be able to answer my questions in a straightforward and detailed way. So my ending questions are what type of student loan do I have? And was my debt consolidated without my permission? And what type of loan do I have after it was consolidated?
Consumer complaint received 2022-10-24
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: Advanced Resolution Services Inc. (NC)

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX  acc # XXXX, XXXX  acc # XXXX, XXXX XXXX XXXX acc # /ref # XXXX Has violated my rights. 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 a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2022-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION (FL)

I had a savings account with VyStar Credit Union. It has a small balance of {$100.00} and the account was closed without notice on XX/XX/2022. I received a statement showing they had charged me {$60.00} XXXX XXXX and another {$48.00} for XXXX XXXX XXXX which brings the account to zero. I received regular statements and the account accrued a small amount of interest ; however, the account was closed without notice. Upon receiving the statement I went to the branch and was told my account was closed for lack of activity and that they should have tried to contact me before closing the account.
Consumer complaint received 2018-08-21
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: LEXISNEXIS (FL)

I have disputed the inaccuracies of the bankruptcy reflected on my credit reports. The bureaus and Lexis Nexis alike have stated in their responses that the entries are accurate and verified. This is wholly untrue. In my initial dispute to Lexis Nexis I advised them that the entry was inaccurate and they responded that it was indeed inaccurate. In my next letter to them ( see attached ), I requested the method of verification that was utilized to report this entry on my credit reports. I inquired of the source of the information and how did they verify the details were accurate. To no avail. Lexis Nexis replied ( see attached ) with a standard reply, yet did not address nor correct the inaccuracies that are reflected among all 3 bureaus.

In my most recent communication to them ( see attached ), I questioned them on their re-investigation method. I specifically inquired as to why their company was continuing to reflect 2 different reference numbers among the 3 bureaus for the same entry. These entries are inconsistent and differ in reporting on all 3 bureaus from the filing date ( 2 different filing dates are reporting amongst the bureaus ) ; 2 different reference numbers are reporting among the bureaus ; 3 different courts are reporting among the bureaus. These entries are not 100 % accurate and must be deleted!
Consumer complaint received 2018-08-21
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: SYNCHRONY FINANCIAL (PA)

I recently saw activity on my credit report that was not done by me. This item showed up on my credit report on XX/XX/2018 : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 I have contacted XXXX/Walmart at XXXX and they claim they have no record of an account with my information or any pending applications. XXXX  told me that they would need a letter from XXXX/Walmart in order to remove the hard inquiry. I can't get a letter from them because they have no record of any transaction using my info.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am XXXX  that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. Other information I would like changed. Balance of the account is wrong. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

Please correct/update this inaccurate information on my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.