davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (MA)

At XX/XX/XXXX I did 3 different transactions using the app Xoom, sending money to XXXX. The money was expected to be in the recipients bank accounts at the same day. But today XX/XX/XXXX, XXXX XXXX, the money isnt still in their accounts. 

The first transfer I did at XXXX XXXX  Amount : {$200.00} Receipt # XXXX The second transfer I did at XXXX XXXX Amount : {$100.00} Receipt # XXXX The third transfer I did at XXXX XXXX Amount : {$120.00} Receipt # XXXX When I went to their website to cancel the transactions, I couldt do anything. The site has a message saying that they are making improvements to their site, that we may expect delays and dont do anything else. So something its not right. I have been using this app for more than 2 years and it never happen before. The money used to be transfered at the same day. So something very wrong its happening with Xoom. Be aware and alert other people about. And I want to cancel those money transfers. 
I hope this institution can help me. 
Thank you, XXXX XXXX.
Consumer complaint received 2021-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

I recently went to get my taxes done. While sitting with my tax specialist she noticed that the interest charged when they sent me my tax forms from Navient was a lot more this year than last. In XXXX on my XXXX form the interest was {$3900.00}. That was the amount for the full year. I paid off my Navient XXXX  loan XX/XX/XXXX and my XXXX XXXX statement reflected interest was {$5700.00}. My tax specialist felt this was odd, as I paid the loan off within the first 3 months of the year compared to last years 12 month interest quote and recommend I look into it. Also it doesnt help Navient is under a class action law suit already for matter similar/same as this.
Consumer complaint received 2020-07-05
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)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than XXXX  is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name : US Dept ED XXXX Credit Bureau XXXX XXXX Account Name US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-09-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2021-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I have tried on several occasions over a years time to request information to try and validate a debt they claim that I owe. All they are able to provide me with is a credit card statement. I have contacted several times asking for verification with my signature or some contract with a signature in order to validate that said debt is mine. They have been unable to provide any additional information. I am not able to validate debt and there continued reporting of this debt is bringing my credit score down. They continue to mail me a letter saying I did not provide them enough information for them to conduct and investigation and they would be terminating said investigation.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting an unverified and unvalidated XXXX XXXX account on my consumer credit report. The account is listed as being charged off. Pursuant to XXXX XXXX Code XXXX, the term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (MA)

I have over 100 spoofed calls and calls from this company. They call twice a day almost NEVER from their real number, and they use number spoofing using fake local numbers to call me. If I answer they make squeaking and screetching noises and hang up. This has gone on for 3 or 4 months now over a {$50.00} auto insurance bill I do not owe and is still in dispute.
Consumer complaint received 2019-01-16
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: I.C. System, Inc. (NV)

I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from IC Systems As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as fraud
Consumer complaint received 2023-04-02
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: Resurgent Capital Services L.P. (TX)

the company keep changing date and not doing anything to verify the dispute aging my report and its has past the statue of limitation in my state so it need to be remove from my report been dispute this for a couple of years and this should have come to resolution and it has not .how in the world last activity is XXXX and XXXX state its opened this is untrue unfalsely
Consumer complaint received 2023-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NY)

Dear Sir or Madam, IQ Data International is attempting to collect an alleged debt that they claim is owed to my previous landlord.

I disputed this alleged debt and provided documentations demonstrating the amounts alleged owed by m
y previous landlord for several months of rent they alleged was not paid was in fact paid and I provided receipts to IQ Data International, requested that they investigate the matter as I was disputing the debt, but they failed to respond to my debt verification requests or provide the requested documents pursuant to the Fair Debt Collection Practices Act 15 USC 1692g. They failed to do either, but instead reported this inaccurate invalid debt to the credit reporting agency.
Consumer complaint received 2022-08-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account 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 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-06
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 XXXX  Account # XXXX, violated my rights. I have never done business with XXXX XXXX. XXXX XXXX illegally reported invalidated information to my TransUnion report. 

In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent.

Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Capitol One not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Consumer complaint received 2023-04-02
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: STATE EMPLOYEES CREDIT UNION (NC)

According to the fair reporting act state employee credit union account number XXXX. Has violated my rights. 15 U.S.C1681 section 602A states. I have the right to privacy. U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Witch I have not written any intrusions for this account to be furnished. Also a dispute was filed informing them of laws broken and nothing was done but a update to my file witch I also didn't give me written consent to do so.
Consumer complaint received 2023-04-02
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. (AL)

In going over my credit to prepare to buy a home i have found multiple errors, In XXXX I sent in a dispute with experian. i am new to all of this, but im learning. They have reported things on my account that are not accurate, but they claim are. 
there is an account listed as over 90 days late with the little marls on the months that is a collection. They cant have things both ways, It cant be a collection and over 90 days late. This is a clear violation of my rights under the FCRA. I pulled my new report after said investigation today and this is what my report states. 
XXXX XXXX XXXX  account number XXXXClosed these are the marked black late months on my report there cant be a closed in collections and it marked as if it isnt with the black marks there this is a clear violation of my FCRA rights. I am entitled to {$1000.00} per violation and these are clearly there. I have found they try and clean up mistakes before you see them, But im hopeful finally someone will hold them financially responsible as it takes us hours to even try and attempt to fix this. They told me on Friday XX/XX/XXXX the would " look into this '' again for me but at this point I have no faith below is the months marked they did this to me as its still there. Im new to you all and appreciate all you do in helping the little people. 

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 Then I noticed another collection on my account from experian. XXXX XXXX account number. XXXX is doing the same thing. I sent the dispute into them online and they said they looked into this, Had they they would have seen as I said above, This is a clear violation of my FCRA rights cant be past due and collections at the same time. I just want to be treated fairly and again, Im new here but I know this isnt within the FCRA laws.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Last month ( XX/XX/XXXX ) I wanted Citi to switch my AAdvantage Mastercard with a {$50.00} annual fee to a product/card with no annual fee since I hadn't used it in years ( I've been a customer since XXXX ), AA expired my miles and I had not carried a balance in quite some time. The agents transferred me over and over, they had no product knowledge and said I'd have to do this online. There is no way to do it online. No way to start a Secure Message Center inquiry online. And now they are charging me the annual fee and won't recscind/waive it, even though i'm not using the card or services. They said I must pay even if I switch products or cancel the card. Now they call me everyday by an automated robo-call, telling me to call a phone number and use a special code to talk to someone. They are forcing me to pay the fee or go to collections.
Consumer complaint received 2021-02-10
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: Mercedes Benz Financial Services (FL)

I submitted a credit application with Mercedes Benz of XXXX for an auto lease which I was well qualified for and received, however, shortly after receiving the vehicle I received a notification from one of my credit cards that also does credit monitoring that there was a change to my credit report. When I investigated further I saw that the dealership had done a hard pull of my credit EIGHT times. As a result my credit score dropped over 30 points. I immediately contacted my sales representative with a detailed accounting of what occurred including a screenshot of the problem and asked for him to have his financial manager contact me immediately. Instead the salesman text messaged my husband ( who was not even on the loan ) to tell him they were working on it. A week later my husband reached out to the salesman for an update as we had not heard anything. His response was they were still working on it. A week after that I wrote another very direct email to the salesman asking for them to contact me only and letting them know I would be taking harsher measures if I did not receive a communication from them as to what was happening to rectify the continued pulls to my credit. I received an email back and call from the salesman followed by a call from their credit manager stating they were working on the problem which seemed to be some glitch in their automated system that kept putting my information back into the system for a credit check. He told me it might take months for them to get it rectified with the credit agency. I told him that was completely unacceptable and I expected it would be rectified in a matter of days. I never received any more communications after even though I have emailed 2 more times asking for an update. I also called Mercedes-Benz Financial Services directly and they were unable to assist me as they were unaware of why this issue was occurring. It has now been a full month and I continue to receive emails from the automated system at Mercedes Benz of XXXX that show I am still in this loop in their system that is causing my credit to be pulled over and over.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

In 2016 I was an inpatient at XXXX XXXX in XXXX XXXX, TX. I had XXXX that turned into XXXX XXXX. I am now permanently XXXX from it on Social Security. I provided my Medicaid health insurance to them at the time of service. The facility billed Medicaid and was paid the allowable amount. However, the physicians billing never billed my insurance nor asked for insurance info from the hospital. They failed to bill insurance and I never received a bill if they mailed one because I was no longer able to live alone with my health so I moved in with my mom after. This has been a nightmare. I disputed and its been removed until they sell to another collection agency. I did my part by providing insurance. I should not be responsible for this. I worked hard to build a positive credit profile and I just took a big hit to credit due to derogatory account listings today. This isnt right. This is a billing error. I worked in medical billing for many years. The bottom line is they dropped the ball but I am being punished for it.