davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-03-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (IA)

I have private loans that add up XXXX. I got these loans through XXXX XXXX. The university that I attended which was XXXX University never explained to me that I could ever run out of Federal loans for school or that I would be required to take out SO many private loans in order to finish. At the time that this was happening my Dad was in the hospital suffering from XXXX XXXX. I was told that I needed these loans so that I could continue my education and get my degree. My mom was forced to co-sign since my dad was unable to due to his XXXX. My mother and I were just trying to keep our head afloat. Then when I graduated in 2014 and had only 6 months to find a job and make enough money to pay them back, I was unable to pay them. They were wanting me to pay them XXXX a month on a single income, with a car payment and rent. At this time my Dad had just XXXX XXXX after a XXXX XXXX and again my Mom and I were just trying to keep our head above water and I tried to pay them what I could when I could, but they did not care. My school promised job placement upon graduating and I have been graduated for 5 years and have still not found a job in my field. I had to take a job that I would have never dreamed doing just to survive. One month XXXX XXXX called me and said that I needed to pay a certain amount of money like XXXX in order to keep my loans from being sold. I pleaded and said that I would do what I can, and at the end of that month when I couldn't even have the money to pay my rent they sold my accounts. The place that now services my loans is telling me that I need to pay a huge amount every month or it will go to legal and they can garnish my wages or even put a lien on my Moms house. I did not deserve to be treated the way I was treated to repay my student loans. I need help knowing what to do because right now I am out of answers and I or my Mother can not pay what they are expecting us to pay which is XXXX to keep it from going to legal. During the time of wanting me to pay they were calling people that I never authorized to know about my loan. They called me sister looking for me and they even called my Moms neighbor. They humiliated me contacting people so they then knew I was behind on my student loans. It was embarassing
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has notified me of XXXX and XXXX fraudulent charges. I asked them to. Lose card. They read a closure telling me they are transferring it to a new card. 
I went through the same thing months ago with Wells Fargo and closed the card however they reissued a new card.
Consumer complaint received 2022-08-08
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. (GA)

I called the XXXX, Experian and XXXX after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and hoping that this XXXX XXXX Late payment will be removed and corrected. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$650.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NJ)

My XXXX XXXX  initiated a consistent chain of purchases using my navy federal account for exuberant amounts. I cant afford nor would ever make. Starting XXXX she would use a the picture she had of my debit card to pay illicit funds out to different unknown people one for {$1600.00}. On XXXX XXXX on XXXX {$1900.00}. On XXXX {$4900.00}. XXXX XXXX and on XXXX {$430.00}. XXXX a purchase for {$730.00}. On XXXX a purchase for XXXX. This dispute was denied and its a matter of principle. Im a long time client and this lack of concern for attention to detail and fraud is causing me to not be able to get a XXXX XXXX. Something that can alter my life and shorten it.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

XXXX XXXX  continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.
Consumer complaint received 2022-01-17
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: Certegy Holdings, LLC (MN)

Certegy Payment Solutions and XXXX XXXX is declining my personal and payroll checks for payment and cashing at XXXX retail stores, various other retail stores, and other check cashing companies. I dont know why Certegy or XXXX XXXX is declining and not approving for my checks to be cashed or presented for payment. I want Certegy and XXXX XXXX to immediately remove all restrictions from my consumer report and start authorizing and approving my payroll and personal checks to be cashed and presented for payment at all retail stores that use Certegy Payment Solutions and XXXX XXXX.
Consumer complaint received 2019-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc. (NV)

I am an XXXX XXXX XXXX XXXX veteran, XXXX by XXXX currently providing XXXX XXXX and XXXX XXXX  to clients in part as a volunteer. As a result of my XXXX I work with XXXX XXXX to make up in productivity and performance what I have lost in part due to my XXXX. I have paid XXXX XXXX for more than 5 years through online compensation systems, including XXXX, XXXX XXXX, XXXX, and more recently Remitly. In the past 3 months, all of my financial transactions sending funds to the XXXX have been declined allegedly for security reasons while I am doing the same thing I have done for the last several years except a modest change in address in which all parties have been notified. I find this extremely challenging as well as frustrating especially when the entities with whom I interact at all of the above-referenced locations indicate that it is the US Government who requires them to conduct business in a certain manner, requires specific personal information about all parties including relationships, ways of meeting, personal or other interaction, services rendered, amounts and frequency paid, tax ID information and social security information relative to me and my business, dates of births and entity formation dates, number of entity associates, number of foreign associates/XXXX XXXX n the payroll, number of locations, my personal, physical location at time of money transfer and many other questions which seemed for the most part very intrusive and certainly if they were being asked by a local financial institution, would have been considered a violation of my rights to privacy among several other infractions which I would consider appropriate as part of this rather challenging process. Please help me to understand where the privacy line crosses national security or any other barrier when I am compelled to give to foreign nationals the same information to which I am told I have the right to remain private and further, why a notable law abiding US Citizen who held a secret clearance and understand something about national security or anyone else to do legal business in this arena and through the above mentioned entities would be subjected to this type of inquisition without being given a reasonable explanation in writing or some other recognized media other than being advised over the telephone by representatives of the above entities that the US government compelled receipt of the said information in order to transfer a fund by wire to an individual or entity outside of the US but more specifically the XXXX.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX submitting to you today to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block these items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the items which do not belong to me and opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 ''
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I trust this letter finds you in good health. I am reaching out to you to address a persisting concern related to a fraudulent account on my credit report, specifically the XXXX XXXX XXXX XXXX  account. In light of the Fair Credit Reporting Act ( FCRA ), I anticipate and trust that Experian will conduct a thorough, impartial, and swift investigation into this matter. As per the FCRA guidelines, I expect the removal of these fraudulent accounts from my credit report within the statutory timeframe.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have been disputing debt accounts through Experian for several years and for the past year or so there seems to be some re-aging of my accounts with XXXX XXXX XXXX XXXX XXXX XXXXXXXX which were credit cards that I couldnt pay off due to loss of employment and a natural disaster during that time. I requested both reasons in a dispute and to no avail. Since this time 7 yrs has passed and the accounts still have not disappeared from my credit report after several disputes. I also have a debt on my report from XXXX XXXX which was a line of credit that I lapsed on due to the same factors. This account is older than 7 years and experian refuses to remove from my credit report after several recent disputes. I was financing a TV from a business known as XXXX. They sale electronics and furniture. They are categorized as a personal loan on my credit account, maybe Im misinformed but I was unaware that it was a loan. This account also became deliquent around the same time as the above mentioned due to loss of employment, XX/XX/2017, and a natural disaster that XXXX XXXX encountered in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I again have made several attempts over the years to get these items removed or resolved but to no avail. Experian has made little effort to explain why they have made no attempts to make the appropriate corrections or removals. I have suffered lots of denials and many setbacks due to my credit account. Every time I work on my credit nothing much happens. The derogatory credit accounts remain and my score drops and other creditors appear that were not there the last I checked my report. Its frustrating and I could appreciate a little help to make this company follow the laws set forth to protect us consumers. Your help would be greatly appreciated.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (LA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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
Consumer complaint received 2021-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

Request information, contact number or badge number for XXXX XXXX that works for nelnet. Nelnet has refuse to inform me if this person works for nelnet as she has been attempting to contact me. I need documentation that she is employed with nelnet.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-02-12
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
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: U.S. BANCORP (SC)

I received 2Prepaid gift cards that were XXXX  debit cards And registered them through XXXX XXXX XXXX. When checking my balance I realized that the cards had unauthorized purchases. I checked because when I tried to use the cards they were being rejected I tried to call unsuccessfully XXXX XXXX XXXX and it was put on hold for more than 30-40 minutes there is no other way for me to contact the company. If you need any other information let me know.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (OH)

On XX/XX/2022 I reported to my local police department a Identity Theft Complaint and Affidavit. 

On XX/XX/2022 I forwarded a copy of my Identity Theft Complaint and Affidavit to XXXX XXXX and Experian by USPS certified mail. 

On XX/XX/2022 I forwarded a requested Affidavit statement to XXXX XXXX and Experian that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

On XX/XX/2022 I forwarded a second Affidavit statement to XXXX XXXX and Experian that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft.

I also referred to 15 USC 1681c ( 2 ) in which a consumer reporting agency shall block any information that is resulting from identity theft from the consumer no later than ( 4 ) business days from the receipt notice of the consumer. 

XXXX XXXX and Experian has failed to block all of the information from my consumer report that was the result of identity theft. All consumer reporting received the required documents as listed by federal law, and my consumer report still reflects inaccurate information due to identity theft.
Consumer complaint received 2023-06-29
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: ALLY FINANCIAL INC. (MD)

In XXXX of XXXX, I noticed charges on my card that I had not authorized. I called Ollo Card Services to make them aware and request assistance. I, initially, spoke with the disputes department. They told me that I needed to speak with fraud department. I did and was told that there would be an investigation. They removed the fees from my card. I thought that everything had been resolved. 

The next month, the charges reappeared on my statement. I called Ollo again and was told that they were new charges. I requested and received a new card because we figured the card had been compromised. The charges were removed again. 
This happened again the next month with the new card. I called Ollo again telling them that I believed that someone in the company had to be involved because there is no way that someone would have access to my new card. I requested and was given another new card. The charges were removed. 

When I received the final card, I immediately locked it. It has remained locked ever since. 

XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that they ( Ollo ) had decided to deny my claim and added {$620.00} back to my account. It said that I had 10 days to respond to the letter. I called Ollo again questioning why it was denied. I was told that they investigated and found that I must have done an online survey or agreed to pay for shipping on a product that resulted in the company, that I agreed to this with, selling my information. I stated that I hadnt done either of those things and asked for proof of that transaction. She said that it was done online and there was no proof. The agent stated that this is not fraud and that I needed to speak with the disputes department. I argued that that would be the very definition of fraud. She did not budge but stated that she would transfer me to the disputes department and stay on the line to explain my situation to the agent. 

She transferred me and hung up as soon as the agent answered. I spoke with agent. He told me that the charges were too old to be disputed. 
Basically, I talked to the disputes department and was told that I needed to speak with the fraud department. I spoke with the fraud department. It took them almost a year to tell me that I needed to speak with the disputes department. At that point, it is too late for the disputes department to act on it. 

I have told them that I am trying to purchase a home and that this is destroying my credit because they keep adding the fees to the card just before reporting it to the credit bureaus. 

Please help me get this resolved. I do not believe that I should have to eat these charges.