davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advanced Portfolio Group LLC (AL)

Advanced Portfolio Group is calling and harassing me. On XX/XX/22 This company has threatened to send my information over to the Sheriff 's Department for further actions if I didn't allow them to talk to me in a degrading manner and belittle me on the call. Upon receiving the call this company also released my complete personal information on the call without getting any verification by date of birth or SSN. This company released my personal details without confirming they had the correct person on the line. I requested a manager in regards to the violation of my rights to my personal information. The manager came on the line and over talked me, used a condescending and demeaning tone and also yelled at me after I requested to speak with him in regards to violation of my rights to my personal information and threatened police action. The manager also threatened to report my information to the Sheriff 's Department if I didn't comply. When I asked for options the manager was deceiving in the information provided and wouldn't give the proper information, details and options available with the company. He lied about payment options and threatened to hang up and send me to the Sheriff 's Department if I didn't make a decision with him right then on the call. He transferred me to another agent and she also lied about payment options and methods of payment available to their customers. After addressing them on their deceptive and abusive acts they also hung up in my face while attempting to discuss this violation and gave deceiving information and lied consistently throughput the call about their terms and what options are available. I would like to sue for FDCPA violations and file a complaint.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Hi I currently have a vehicle loan for over a year now and it has never been report to credit bureau of me even having a vehicle loan I am also not able to view my XXXX score on XXXX online site I never had access to that either If you could please help me in understanding of whats going on and all the months I have missed of my car loan never reporting .. is it anyway to correct this?
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is Improperly reporting late payments on my account and it is severely affecting my credit. According to the three credit bureau 's the information being reported by XXXX XXXX was accurate and verified back in XX/XX/2022, however the dates of last activity, dates of last payment, balances as well as late payment statuses are severely skewered. This affects my ability to apply for credit because it is showing up on my reports as a derogatory account, when I have been making on time payments consistently. 

According to FCRA I have a right to privacy and the right to accurate credit reporting, which the credit bureau 's are violating.
Consumer complaint received 2022-06-08
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an account without my written instructions
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Per FCRA 15 USC 6802-6805, and th Privacy policy act of XXXX Any information that is shared without my consent is a Violation of my rights as a consumer. 
Therefore, I would like for experience to opt me out of the following accounts reporting : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, the reporting comments, creditor remarks, and/ or notices that are also reporting on my credit report. 

This is a violation of my rights so this is a final warning or I will seek legal assistance. 


My ONLY NAME is : XXXX XXXX XXXX. Please delete/ remove all others listed in the screenshot. 


I Never Gave any of the Above listed creditors written, unwritten, verbal, or non verbal consent to share my information with anyone.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IA)

VENMO APP - should be stopped immediately and people should NOT be allowed to use this service; they will rip you off of money! 

If they lock your account for no reason or temporarily lock you, there is no way to talk to someone to find out why ; they have your money sitting in their account and you can't even transfer it to your account- it's your money ; not there's ; they lock your account ; you can't get to your money Many people are using this company to transfer money between friends/family -- they NEED to STOP now -- people can loose their money and in an economy like this, people can't afford to loose money -- -they want to act like a bank, but provide NO CUSTOMER SERVICE; human robots answer the phone - tell you an account specialist can help you but no way to get to these " account specialist '' you are at their mercy to contact you ; they are people behind a computer with no way to talk to and they HOLD your MONEY -- STOP VENMO APP NOW -- before more people loose their money -- they are not a bank - they need to stop pretending to be one ; the federal government needs to shut them DOWN VENMO BEFORE MORE PEOPLE LOOSE THEIR MONEY!!!
Consumer complaint received 2022-10-23
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. 
It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any atomized bill, I am asking for contracted with my signature that stated I have done business with this company.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Progrexion Holdings, Inc. (PA)

Greetings! 
I signed up with Creditrepair.com which is also know as XXXX in XXXX of this year. They agreed to fix my credit for a certain amount amount each month which was drafted from my checking account each month until XX/XX/2022. I made a call to my bank to stop payments to the company. My credit has not improved I feel my credit had gotten worse since signing up with the company. I asked them several times to show me where my credit has improved I was told that things was going to start coming off my credit and the scores would improve. I assured them if I don't see a change I would cancel the service. I even sent them several emails asking them not to take anymore money from my account when I became unhappy that my credit did not change. I also have proof the funds was taken out of my account. I was able to attach the proof blew. I am filling a compliant because I would like a full refund from this company in hopes to repair my credit on my own.
Consumer complaint received 2022-10-23
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: JOHN GIBSON AUTO SALES, INC. (AR)

I wrote John Gibson Auto, to let them know I recently noticed late payments on my account that I did not approve, also let them know I went over my contract and never opted in to anything to be reported. 15 USC 1681 stats a consumer reporting agency can not furnish an account without my written permission. 15 USC 1681 a # 2 consumer reports SHOULD NOT INCLUDE transactions or experiences between consumer and person making the report. Most importantly reporting an account as late that I never even receive statements for, because that would be mail fraud and they know all debts are an obligation of the UNITED STATES per HJR 192 of 1933. My car was paid in full when I signed my signature.
Consumer complaint received 2022-07-20
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. (ME)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion inquiries : XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2022-10-23
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 — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC (TX)

In XXXX I sent two letters via certified mail to National Credit Adjusters in XXXX, Kansas. There was information reporting on all three of my credit reports showing two accounts the first for {$580.00} and the 2nd for {$1100.00}. In my letters ( attached ) I requested that these debts that are reporting on my credit report be validated. I ask for very specific information all legally required. I asked for : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I was sent a letter on XX/XX/12 ( attached ) stating that they received my letter and that 30 days is seldom enough time to conduct their investigation. Said they would be ceasing all collection efforts and would furnish me with results. 
I have sent additional follow up letters via certified mail and I still have no response providing the information that I have asked. I have allowed ample time for their investigation.
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (IN)

Trying to collect a debt because I fired an incompetent Doctor and Hired another to Do my XXXX as a result they have Decided to add two Amounts that total more than XXXX XXXX Dollars so I would not be able to have this fraudulent Amount excused on XX/XX/22 they are in complete control of this and have continued to harass me with unwanted Phone Calls and Threats I previously had several debts removed because of the XX/XX/22 act but this last one the decided to add together making it {$660.00} and above the {$500.00} Amount I have no control over what they decide to type up and send you are my last resort I have talked about this at Church and you are my last Hope I shall appreciate any help that you can give Sincerely!, XXXX XXXX XXXX
Consumer complaint received 2022-06-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

My loans have been transitioned many times to different companies - where each time my balance starts all over and I pay interest instead of the balance of the loan. I just consolidated my loans with Direct loans ( handled by XXXX ). from AES. I had been with AES, roughly, XXXX years. I've been making payments steadly and when I was laid off years ago I made payments. I had reached out many times to get assistance on options available to lower payments- they only offered forbearance. So in those times of need I took that since I didn't know of any other option- since none of the other payment options would work ( according to them ). Well, after calling a few months ago to try to get assistance - I was told again my only option was forbearance since none of the payment plans would work for me. I asked again - there is nothing you can do?? They replied only forbearance. During Covid I have been making steady payments while others have been able to have the interest stopped and payments stopped - unless they wanted to. My loans are federal loans but older so they didn't qualify for any of the Covid related assistances. So, I asked about that with AES- they said they didn't qualify - there isn't anything you could do to have them qualify. Like I had mentioned above - I did reach out to the federal loans department and they said all I needed to do was consolidate under direct loans and you would have qualified. I did this and - amazingly- they had a payment plan that would also lower my payments for the time being. I wasted time and money with AES and find them at fault for the reason my payments i have made have went the way they did : I paid {$25000.00} towards my loans, interest paid {$16000.00}, principal paid {$8700.00}, fees paid {$590.00}. My overall loan was roughly XXXX. I've been paying over 20 years and there seems to be no end in site. I feel they manipulated me into paying more interest and weren't looking out for my best interest to get my loan paid off. I can't control who my loans are transferred/sold to - but I would have thought that AES would look out for the students best interest instead of their profit. Please let me know if you need more information - I'd like to see some of that interest to be redistributed to the balance. 
Thank you, XXXX XXXX
Consumer complaint received 2022-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

On approximately XX/XX/XXXX, I requested a repayment of all the student loan payments that I had made during the COVID-19 forbearance - roughly between XX/XX/XXXX and XX/XX/XXXX. The payments total approximately {$6800.00}. As per protocol, I made the request to my then servicer FedLoan Servicing. My loans had just gone through a series of changes in servicer. I had most recently been transferred to FedLoan Servicing from XXXX XXXX, however, the payments in question had been made to XXXX XXXX XXXX. I was told that FedLoan Servicing would have to request information from the previous servicer and this would cause some delay but that it should take no more than 90 days. 

On XX/XX/XXXX, I called FedLoan for an update. I was told that the refund request had been placed on hold on XX/XX/XXXX pending outreach to the servicer. I again clarified that all such queries must be made to XXXX XXXX XXXX as XXXX had only had my loans for a couple of months and no payments were made through them. The FedLoan representative could not tell with the information query had been sent or when the hold would be removed. I was told that the new timeline was 150 days. 

The wait has now extended beyond 150 days. I've sent another query to FedLoan Servicing but have not yet received a response. 

Thank you for any assistance you are able to provide.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report. I submitted a Complaint ( XXXX ), for Improper use of your report, account came back as verified by XXXX. Account : XXXX XXXX XXXX Account # XXXX. The Credit bureaus stated my account had been properly investigated but how is this possible if the " date opened '', " date reported '', and " date of last activity '' is inaccurate. This ground for removal and they also violate my rights under 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 an account without my written instruction.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have contacted Experian on numerous occasions in XX/XX/2022 to XX/XX/2022 to remove inaccurate and invalid addresses and names from my account for which they refuse. I explained that I was involved in the XXXX Data Breach where my name, address, phone number, email, and social security number was compromised and floating on the XXXX XXXX and that I can send verified proof of my ONLY name, address, birthday, and social security number. I was told to contact the creditor that placed my name wrong on the credit report which I didn't know who did in order for them to correct. That was not a healthy move for the agent assisting me from Experian because it just only frustrated me even more. I attempted one last final time on XX/XX/2022 upon me enrolling into the Experian XXXX XXXX to monitor any new activity to come onto my credit reports. I submitted a claim # XXXX into XXXX XXXX Data Breach Settlement on XXXXXX/XX/2022 also. The Fair Credit Reporting Act states that it promotes the accuracy, fairness, and the privacy of information in the files of consumer reporting agencies and that these agencies must correct or delete inaccurate, incomplete, or unverifiable information. I am requesting under the Fair Credit Reporting Act ( FCRA ) that the listed invalid name and invalid addresses be removed from my Experian report immediately. 

XXXX XXXX this is NOT my last name and I want this entry removed or corrected from my report Name ID # XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is invalid, never lived here and needs removed immediately along with any association to other accounts Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX invalid, never lived here and needs removed immediately along with any association to any other accounts Address ID # XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX is more than 7 years old, invalid and needs removed immediately along with any association to other accounts Address ID # XXXX XXXX XXXX XXXX XXXX, CO XXXX is more than 7 years old, invalid and need removed immediately along with any association to other accounts Address ID # XXXX I have ONE address and ONE name given at birth that should be listed on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.