davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (HI)

On or About XX/XX/XXXX, my account was placed on " Fraud Suspension ''  without notice! And to this date, I am unable to access any of my funds! 

I have attempted to contact XXXX XXXX XXXX, everyday since being Denied at the Grocery Store in XX/XX/XXXX. Upon Initial contact & thereafter, I received the exact RUDE  response, " We apologize for any inconvenience but due to the " Fraud Suspension '' placed on your account, we are unable to access any information nor tell you why your account was placed under " Suspension '' in the first Place ... Someone from the Fraud Department will be contacting you soon upon completing there investigation - by letter or phone ''. I am also unable to get an exact time frame of when the investigation will be done & /or when I will have access to my fund 's. 

I have also requested to speak to a Supervisor & I'm told that an email has been sent & someone will contact me within 24 hours. Still NOTHING & No one in the Customer Service Center seems to care! Each Representative, I spoke to was extremely Rude & Cold-Hearted! For example, upon explaining my situation to the Representative, I was informed that I needed to WAIT. Because I wasn't satisfied with that response I asked, what would she do if she were in my situation? Representative replied, " Well its NOT me - so WAIT '' - " So if there's nothing else I can help you with " I don't have time for this ''! I got this response countless times! 

As of today, no one has contacted me nor did I receive a letter or email notifying me that my account would be placed on " Suspension '' OR " WHY ''. 

I am XXXX & have XXXX Children whom are Homeschooled due to illness & I am the XXXX XXXX for my family. Aside from XXXX, this is my only Source of Income. Since the suspension, I have been unable to pay any of my bills, purchase medications, toiletries, gas etc.! 

My phone service has been cut off, I have an automobile loan which is in default & may be repossessed any day now. My mortgage is due at the end of every month. In the meantime, Fees are incurring. 

I have also attempted to contact the Social Security Office directly in person & was informed that they are unable to offer any Guarantees & that I needed to contact XXXX XXXX XXXX, to resolve this issue!
Consumer complaint received 2022-01-10
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. (NC)

The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX XXXX XXXX  # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 
the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
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: EQUIFAX, INC. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the Equifax and XXXX credit bureau to validate this inquiries ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting inquiries as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete. Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX, XXXX  Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forster & Garbus LLP (NY)

I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop.

When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked.

They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment.

I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense.

This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with. 

In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX  ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with Forster & Garbus. Her note said : " We received notice that you have failed on your payments under the settlement. 
Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account. 

After this, I tried to contact XXXX directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue. 

Which brings us to XXXX, XXXX. 


We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called Forster & Garbus incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes.

I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.
Consumer complaint received 2022-08-08
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. (SC)

I called the XXXX credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX XXXXXXXX Balance : {$35.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-04-09
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 but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-11-22
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. (PA)

Greetings : It's been over 20 years of negative reporting on my credit report. 
The problem concerning this issue has to do with XXXX, which will not fix this problem. 

I'd requested information about the person that's using my name somehow and has a car in my name. I do not own a car and never have. XXXX was warned not to give nor share any information about my account using my SSN at anytime. They are not authorize to do so! 

I would like the head of this company or any other legal personal to look into this matter!
Consumer complaint received 2021-05-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (PA)

This is a case of detrimental reliance. 
US Bank took my call XXXX XX/XX/2021 to execute a close out of an IRA Money Market Account with a check mailed to me as that is US Banks ONLY method of processing. It was verified by a subsequent call to US Bank ( today, XXXX XX/XX/2021 XXXX I was informed on XXXX XX/XX/2021, that it would take 5 to 7 business days to complete the transaction as I called US Bank to inquire as to why the check had not been received. I was informed the transaction had not even been processed as of XXXX XXXX today, XXXX XXXX, XXXX. US Bank REFUSED to consider expediting the transaction, refused to consider using long established XXXX and even REFUSED to consider overnight mail of said check at MY expense per my request. US Bank is intentionally manipulating and withholding depositor 's funds.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (DE)

A family member gave me 4 {$200.00} prepaid Visa card issued by US Bank. I try to use the card to make an online payment company and it failed. I try to use the card to pay for my car insurance and it also failed. For the past 3 week, I tried to login every few days to the online website XXXX per the instruction at the back of the card and always encountered an error message. The error message suggested I should call customer service to get the account balance. I called customer service last week and they gave me the balance and register my card to my address to enable online bill payment. This process took 20 minutes. The rep refer me back to the website to register card # 2-4 as she said US Bank only authorize her to register 1 card per phone call. I complaint about the site not working and she dismissed my comments and said other is saying the website is working. I tried to check my balance at the website again today and it still does not work. I called customer service again and after two minutes, a rep was able to give me my account balance and register 2 of the 3 remaining prepaid card. She would not register the 4th because she said US Bank only allow her to register 2 cards per phone call. I am past due on my utility bill and can not pay for my car insurance due to US bank 's website errors and restrictive customer service policy. US Bank sell prepaid cards to the underbanked population and deliberately put in obstacles for the average consumer to get access to their money. US Bank will charge a {$2.00} inactivity fee if the card carry a balance after 12 months. Due to the inability to use my prepaid card to pay my utility and car insurance billl, I have incurred a {$25.00} late payment charge and a {$32.00} NSF fee.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all 3 bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the FCRA Act they were given 30 days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as USPS certified mail tracking numbers ensuring they received these documents and still failed to update the account.
Consumer complaint received 2018-04-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NV)

I went to this school inXX/XX/XXXX, did not graduate due my XXXX This loan is being handled by ( NAVIENT ) I have been dealing with NAVIENT for 10 years of this loan that XXXX I am on a fixed income of XXXX a month from social securty income. I have no way of paying this loan, and have been in contact with them about this. Ii have filed for ecnomic hardship, over and, over with them. I have also been approved for a total perment discharge for this loan, and the other loans I have through the Department of Education. All my loans have been discharged I have explained to NAVIENT, that my loans were discharged. I sent them proof that my loans were discharged. The department of Education has requested that my loan be transfered over to them for XXXX  discharge, as I am XXXX. NAVIENT tells me that have not got the request, and they keep charging me outstanding interest, and reported late payments to all major credit companys during my deferements. Late paymments were reportedXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX when I was in forbearance during these periods. They will not discharge this loan they keep wanting to put me in ecnomic hardship, then report late payments. I do not have the money to pay this loan. I do not even have the money to pay full rent. I was suppose to be in a voluntry forbearnce tell XX/XX/XXXX this is getting out of hand. It makes me sick that NAVIENT gets away with things like this.
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (CO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

1 ) For a debt, I paid a healthcare loan provider ( a bank ) remaining total balance ( {$2900.00} ) on XX/XX/XXXX. 2 ) I had second thoughts, sent email about wanting to withdraw payment and change it to {$2000.00}, and asked how to proceed. I was not contacted about this but noticed payment was processed according to my bank statement showing it was debited. 3 ) I decided to accept this and move on. 4 ) But then noticed I got billed as if payment was not made. 5 ) I called creditor who stated payment was not made and I questioned how that could be when my bank shows it was and I emailed transaction number. I advised that I don't want the money back, to keep total balance payment. 6 ) Creditor then stated that a check was mailed to me and I stated I did not receive it and asked why they would send it twice, via bank and mailing. 7 ) Bank statements were requested to prove that I made this payment and I asked why they claim they send the money back if they said it was not received in the first place. 8 ) After faxing, I called for status update and was told my payment will be returned. I again stated I don't want the money back, just want to end this and close the account. 9 ) They sent me a  check for {$2700.00} dated XX/XX/XXXX and they continue billing and charging me interest stating that I now I owe {$600.00} when I had paid in full on XX/XX/XXXX. During all this back and forth, bank continues billing and charging interest in spite of total balance being paid and debited from my bank and it appears this will continue to add up. 10 ) It seems to me that I'm being swindled. When I addressed their contradictory information, I would not get a straight answer ; they were evasive. When I asked for a name to fax information, they would not provide it. All the above should be reflected in phone conversation records they should provide for all calls I have on my records. An investigation is warranted.
Consumer complaint received 2022-09-22
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. (TN)

I sent a Bureaus letter last XX/XX/2022 but it has been drawn out into the open that you are not hindering records when I sent a FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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