davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (IL)

A vanilla prepaid card was purchased Tuesday XX/XX/XXXX at XXXX XXXX in XXXX Missouri. This card was paid for and loaded with {$500.00}. In the packaging it is written to give at most XXXX hours for funds to become available. XX/XX/XXXX the first attempt at checking the balance and status of the prepaid card was denied. The website cited that there was a system error. The second time it was said that there was an issue with the card. After returning to the store we sat on the phone with Vanilla customer service for XXXX min with the store manager. It was also unsuccessful as dispite putting In all required information it will still not tell us the issue or balance for that matter. We were directed to hang up or attempt to contact an actual representative. After XXXX minutes on hold there was still no answer. We have still not been able to get in contact both online or over the phone dispite hours of hold music. It has been called to my attention after purchase that this prepaid card brand is often having these issues with many never being able to access their funds and losing all their money in turn.
Consumer complaint received 2023-03-10
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: TRUIST FINANCIAL CORPORATION (MS)

On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX Ms , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.
Consumer complaint received 2024-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Velocity Portfolio Group (TX)

THIS DEBT WAS CHARGED OFF BUT FOR WHICH I HAVE NOT RECEIVED A FORM 1099-C ( CANCELLATION OF DEPT ). AS PER IRS REGULATIONS, I UNDERSTAND THAT CREDITORS ARE REQUIRED TO ISSUE A FORM 1099-C WHEN A DEBT OF {$600.00} OR MORE IS CANCELED, FORGIVEN, OR DISCHARGED. THE AMOUNT IS {$620.00}
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I paid XXXX charge off in full. XXXX keeps reporting as not paid and the credit agencies are not investigating, please see documents attached. 

XXXX closed one of the disputes in less than 24 hours saying that it was investigated and verified accurate, both companies ( XXXX XXXX XXXX ) blame each other.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to log into XXXX to access my account to view my credit information as well as placing a credit freeze. I am seeing this message when attempting to log in " We are temporarily unable to complete this request. '' I have tried multiple times reach out to speak to one of the agents, but have been unable to get in contact with an agent. I can not setup services as I am getting messages that my report is frozen, yet I do not have the ability to unfreeze, view or access the credit report online at all. Even If I select to sign up or pay for a service I still see that error message. This error message has been displayed for months on the account. 

I have also reached out to Transunion though this time I was able to get in contact with a representative. They told me there was in fact an issue with my account and that a manager would reach out to me in 24-48 hours. This was roughly 2-3 weeks ago and I have not heard back from them yet. I can not access my account here as wellXXXX
Consumer complaint received 2022-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

I am a XXXX XXXX ( XXXX ). 
I took out federal loans ( XXXX ) to attend XXXX University XXXX XXXX. 
Navient refinanced my federal loans into private ones on or around XX/XX/XXXX, which would be made them ineligible for a loan forgiveness program announced by President Biden. I have contacted Navient for a refund. I should get a refund because I am a XXXX XXXX under the PSLF Waiver and one of the individuals covered under the {$1.00} XXXX Settlement With Student Loan Servicer Navient who has not received relief. I continued to pay my loans all through the Covid-19 pandemic. The response I continue to get from Navient is that, at the moment, we do not have any additional details on the forgiveness program. That is unacceptable.
Consumer complaint received 2022-09-22
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. (CA)

In a previous complainti stated I wanted the XXXX XXXX XXXX to be removed due to this being a fraudulent account. I submitted a credit report. The bearus accepted from the bearus " verified as accurate '' I'm asking this be removed immediately under the Fair Credit Reporting Act. I'm including license and social security to verify my identity
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to WELLS FARGO. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent accounts. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2022-10-22
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. (PA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

THESE EACH TIME I I TRY TO MAKE A PAMENT THEY TELL ME MY PLAN IS CANCELED. AFTER A HUGE EFFORT BY ME AND A LOSS MITAGATION XXXX NAMED XXXX ACCETED PAYMENTS IN XXXX AND XXXX AND ASSURED ME I WOUKLD NOT HAVE ANYMORE POBLEMS. BUT HERE WE ARE YESTERDAY XX/XX/2022 TRIED TO MAKE PAYMENT BY PHONE ON TWO OCCASINS NEITHER AGENT WOULD HELP ME OR TAKE PAYMENT. I NEED GOVERMENT AGENCY TO INVESTAGATE MY CLAIM AND HELP ME WITH THIS COMPANY TO BE MORE CONSISTANT AS MY DEPT CONTINUES TO RISE " PRINCIPAL BALANCE ON THIS LOAN WAS XXXX DOLLARS WHEN THE TOOK OVER THIS LOAN FROM XXXX XXXX. WITH XXXX DOLLARS IN DISPUTED LATE CHARGES. I CANT SEEM TO PLEASE THESE PEOPLE. PLEASE FILE MY COMPLAINT
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NV)

Account review inquiry by IQ Data International resulting in an account listed on my consumer reports and damaging my credit / credit score. I have never done business with this company. Company claims that I owe them money in the amount of {$7800.00}. I've sent my dispute requesting information proof of my debt owed to IQ Data International. The company sent me an unsigned unnotarized statement of charges owed to another company. IQ Data International included a partial copy of a lease contract to which they are not a party. I have disputed with the company and they have damaged my consumer reports, by reporting this inaccurate, false information. I have submitted a report to identity theft.gov with these facts and attached herein.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
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 — Account status incorrect
Company: EQUIFAX, INC. (MD)

My XXXX XXXX XXXX Card appears twice on my Equifax report. I only have one XXXX XXXX  card and the other account should be removed. This account is a duplicate and needs to be removed.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

A payment scheduled for XX/XX/year> in the amount of {$4400.00} from my Citizens Bank Checking account to be applied to my Citizens Cash Back Plus account was rejected without reason or notification. At the time of the scheduled payment there was sufficient balance satisfy the payment. Interest in the amounts of {$120.00} and {$31.00} were charged to my account as a result. 

Subsequent phone calls to Citizens Bank customer service and Citizens Cardholder Services I was offered the explanation that because of an account change that occurred between the date the payment was scheduled and the actual date of payment.

This limitation is not mentioned in either the Citizens Cash Back Plus Cardholder Agreement or the Citizens Digital Terms and Conditions.
Consumer complaint received 2022-12-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services (MD)

Took a loan out with Lendmark, inc. I decided to take the loan and several other bills and consolidate them together for one payment. The company used for consolidation is XXXX. Everything is set up, signed and first payment made to XXXX. In return Century contacts creditors about this new arrangement. Lendmark Financial was told of this consolidation but continuously calls myself, friends and family members all day long five days a week. Lendmark even sent an email to Human Resources at my place of employment, and the email stated they found the email address on a website. They DID NOT have permission to ever contact my place of employment. I do have a copy of the email. They usually call from their office in XXXX, MD, but recently have been calling from several other numbers. This is harassment and it needs to stop.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has come to my attention, that XXXX XXXX has transfer an account to XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their XXXX XXXX  # XXXX, balance {$2000.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 


Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Consumer complaint received 2024-09-24
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. (TX)

1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communica- tion with a consumer in connection with the collection of any debt, a debt collector shall, un- less the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written no- tice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any por- tion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty- day period that the debt, or any portion there- of, is disputed, the debt collector will obtain verification of the debt or a copy of a judg- ment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (NJ)

They have been trying to collect medical debt that they have bought and have been mailing me and calling me and havent left me alone the debt is from 2015 when my mom just passed away and i just turned XXXX i had no idea what was going on and needed my XXXX taken out, i had no help and had no idea what to do. I did not and still dont have money to pay them back its just me all alone trying to pay my credit cards off and my monthly bills i dont know what they want for me but they need to stop contacting me
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (MI)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage offered a Forebearance via their website for XX/XX/2022. We chose it. On the website it indicated that Carrington would contact us with next steps. Carrington Mortgage did not follow through. I then received a notice of pre-forclusure. 

I contacted Carrington in XXXX and the agent apologized. We established the payment plan for the next XXXX months. {$3800.00} + {$1200.00}. The {$1.00}, XXXX would be applied towards the XXXX Forebearance amount the next XXXX payments. Carrington Mortgage did not honor the agreement. They applied {$3800.00} to XXXX and {$1200.00} to XXXX and reported a XXXX day late to credit reporting bureaus. They have been unwilling to correct the issue. I have tried.to make payment per the agreement online and via their app. I am not allowed. I must call in.