davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 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 My only name is XXXX XXXX XXXX. My only address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

In XXXX of 2023, my student loans were discharged as part of the XXXX XXXX XXXX XXXX. I am entitled a refund for the amounts paid over the years. I have requested this information on multiple occasions directly with Mohela with no response. I have called multiple times to be hung up on or eventually disconnected after waiting on hold for hours as the agents are unable to answer my question and require research.
Consumer complaint received 2019-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (TN)

On XX/XX/XXXX, Lending Club drafted by checking account for a monthly payment and then drafted my account a second time for the same loan.  I have been in contact with them but they still haven't returned the additional payment.  I have made multiple calls to the customer service department without any success.  I have also incurred additional fees to my credit union due to the double ACH withdrawal.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION ()

I live in XXXX and as I will not be travelling to the XXXX any more ( due to health reasons ), I wanted to close my checking account with Truist bank in XX/XX/2023. As the online banking had a technical problem, transferring the closing balance amount of XXXX myselfwas impossible, staff of the customer service chat were trying to help but couldn't due to Truists banking system being unable to use a XXXX mobile number to send a token for a transfer. In the end I agreed to the issuing of a check, although I knew that cashing a USD check would be very, very difficult. 
The account was closed, then the check arrived a few weeks later and as predicted, I couldn't find a bank that accepted the check. 

A friend of mine offered to take the check on her trip to the XXXX and cash it at a Truist branch. She carried a very detailed Power of Attorney but none of the banks she tried, were willing to cash the check, not even Truist. 

It took me months to finally find a bank here in XXXX that was willing and able to cash the check - I had to open an account with them etc. 

I mailed in the check only to have it returned, saying it had expired I have been in contact with aTruist representative - a so called Client Resolution Specialist - all the time. They insist on the check and claim to be unable to wire transfer the closing amonut balance to my other XXXX account. 

In order to have the check re-issued, I had to send in a Declaration of Loss form. As Truist do not accept foreign notaries, they expect me to get a US Embassy seal or official Apostille to prove that the check has been destroyed. 

I am XXXX XXXX XXXX with health problems and am expected to travel XXXX by public transport to get to the closest Embasy - Truist show no mercy and insist on this. They have been chasing me around for almost one year now and are unwilling to pay out my own money to my own account by wire or ACH transfer. I can not understand how a bank should not be able to initiate a money transfer - I am at the end of my wisdom, I have begged and pleaded with them but to no avail.

I had offered to send a video of myself showing how I run the check through a document shredder but today received a message that they insist on the Apostille or Embassy seal.

They can't just keep my money, that is theft and embezzlement! Please help!
Consumer complaint received 2023-11-29
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$350.00} ; XXXX  XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$9000.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting 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 XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told XXXX, Transunion, and XXXX to reinvestigate XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Consumer complaint received 2023-11-29
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2023-11-29
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. (PA)

I saw a hard inquiry on my credit report back in XXXX made by XXXX on my XXXX and Experian credit reports. I called all three companies to notify them that I didn't authorize the inquiry and it was not made by me. I then put a freeze on my credit with all three credit bureaus. I was told it would take XXXX months for the inquiry to be removed by XXXX, Experian, and XXXX. I've recently removed the freeze from Experian, XXXX, and XXXX. The changes haven't been made and it's been 5 months.
Consumer complaint received 2023-11-29
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX Amount Delinquent {$3500.00} Payment Status Collection/Charged off. 

This is a Corporate Account. I contacted American Express in writing for the past TWO years. They refuse to respond. They are reporting late every month. That monthly reporting is lowering my credit score. American Express took a Corporate Account and converted it to a Sole Properitor to attack my credit as a Individual. The Corporate name was XXXX XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX.
Consumer complaint received 2023-11-29
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. (PA)

This is aggravated identity theft! I did NOT authorize these entries on my consumer report as I did not apply for it. Additionally, the entries in the attached dispute letter are not providing any perk, product or service. Please remove it from my consumer report
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX, I made a loan of {$12000.00} to Toyota Finance. And the salesman made him purchase insurance saying he would pay {$72.00} each month. Which I accept. But I did not know why the seller XXXX did not inform that the total amount of that insurance would be lent to the bank along with the {$12000.00}. Now the debt is {$16000.00}. Including the total amount of insurance. Which I don't agree with and I called and sent emails to get them to cancel it. I went to the dealer to have it canceled firmly and they told me it would be within 90 days. Which is not fair. Because they are charging me interest on that insurance loan. Which I pay every month and it will not be returned.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In the year XX/XX/2016 I was a victim of a scam, and I say victim because I was part of it. My son was XXXX years old at the time was given a check by mail from a person claiming to be a legit company, by mistake and not knowing what I know today, I deposited that check into a Bank of America account that I had open at the time and the check ended up being fraudulent. I had no idea things like this could be faked and as I did a little investigation, it turned out that the check came from XXXX. The account was closed and I was treated like the biggest criminal that has walked this earth, I was told by the bank manager at the time that my record was going to be ruined and that no banks were going to want to open another account for me because of this one mistake that was unintentional because I had never done anything like this in my life, as I looked thru my XXXX report, I see that there is a suspected fraud activity being reported by Bank of America which has been haunting me because I have not been able to get ahead in life because of this only one mistake that I did not having the knowledge that I have today. The date that this was reported was in XX/XX/2016 and until this day it is still on the XXXX report. The information that I have is very limited, the XXXX#: XXXX  / XXXX, it has a closure status of unpaid, and this is not correct because Bank of America never cashed that check so no money was ever given to me, I do not owe Bank of America anything and they are reporting this to XXXX like it’s correct. I want Bank of America to proof to me that I owe them anything, Bank of America is a great bank to be a member of but what they have done to me is not right because they never took into consideration the time I had the account open and everything was going great. I want Bank of America to provide me with documentation where it shows and serves as proof that I owe them any amount of money. Please help me by requesting XXXX to delete all bad information reported by you from my credit report.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (SC)

The company Convergent Outsourcing, I sent them a letter stating that the information on my Credit Report. They in turn sent me a letter stating that they do not have an account for me. I sent a copy of that letter to the Credit Bureaus and the incorrect information is still on my report.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I made a deposit on XX/XX/23 at XXXX XXXX in the amount of XXXX. There were XXXX tellers and XXXX person behind the teller line watching. I was at the teller who had a mask on. She asked if I wanted to cash the check. They told me before that I couldn't do that. I said I'll make a deposit. She would not tell me when it would be available. My receipt shows the deposit amount correctly it shows credit pending posts on XX/XX/23. Available now is XXXX available balance is XXXX. Now it shows online my money is not available until XX/XX/23. I asked the teller with the mask on if the reason for the mask was a personal decision. She said yes.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I have a PayPal Credit Card account from Synchrony Bank, and the card was stolen nearly 2 years ago in XXXX XXXX XXXX almost 2 months after I had opened the account. I had reported it immediately and customer service had stated that the card would be locked and that I would receive a replacement within a month. It was never replaced or locked, and PayPal Customer XXXXupport has continually refused to help me with this matter to this day, even to XXXX XXXX that they hang up on me when I try to call them every month. When the card was stolen, I had a {$0.00} balance. Recently, Synchrony Bank has sent me to collections for a {$4200.00} balance which I do not owe as the card was stolen when it had a {$0.00} balance and in the meantime my credit score has dropped from over XXXX points to around XXXX.
Consumer complaint received 2019-05-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Braviant Holdings, LLC (TX)

I have received several calls about this debt from XXXX. I was unable to locate the company online and the representative for the company would not provide any further information. I spoke to a XXXX XXXX at the number XXXX XXXX XXXX several times. He informed me that I owed a large debt and he was attempting to serve me as a result of the lawsuit XXXX reportedly filed. I asked for verification of the debt and instead of providing it Mr. XXXX used derogatory and abusive language suggesting that I was " wasting his time '' and that he doesn't have time to deal with " people like you ''. 
Mr. XXXX directed me to XXXX XXXX, the purported originator of the debt, and XXXX XXXX, the current owner of the debt, and told me to take it up with them. Mr. XXXX informed me that he would only accept payment for the loan over the phone but would not give me any information about the litigation proceeding that has allegedly been taken. I told Mr. XXXX that I would like to dispute the debt and that going to court was probably unavoidable because I don't recall ever doing business with any of these companies. He said the debt was undisputable and to either give him a credit card of " get the XXXX off my line ''. I again told Mr. XXXX calmly that I just wanted to get a copy of the documents that said I owe the debt but he would not provide them, instead he listed several bits of information, my bank account number, social security number, and place of employment. He said he was tired of " people like you '' trying to wiggle out of things. Upon examination of the form contract that I allegedly signed from the XXXX XXXX  webpage, I noticed a mandatory arbitration clause that would preclude either party from filing a lawsuit. Noting this I called Mr. XXXX back at the above number and informed him of this and that I would like to use the arbitration process to dispute the debt. Though I don't recall ever doing business with XXXX XXXX, if that is indeed the case then I would be able to dispute the debt this way and the lawsuit that Mr. XXXX said that he had filed in " Federal court in XXXX XXXX '' was either a lie or not valid. 

I was alarmed at the strong arm tactics and the abusive language he used to try and convince me I owed something I don't recall owing.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent a letter last XX/XX/ to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXXXXXXBalance : {$480.00}
Consumer complaint received 2019-05-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (TX)

Male called my phone to collect a debt that is not mine. Threatening over the phone, saying that I am a primary on an account. I asked for him to not call me back and that it is not my debt.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (TX)

I had applied for Public Service Loan Forgiveness the end of last year. I got notified that my loans had been forgiven and less than a month later I got an email saying that there was a vendor error and my loans were not forgiven. I had started my payments in XX/XX/XXXX and continued XXXX when the pandemic hit. I had made extra money toward the principal. I always checked the box. 
When the new servicer took over none of my old records were on the new site. I was always checking the site to see if anything was different or changed. I checked and finally something that looked like records from the old servicer was there and I copied them. They are not in my new account. I went to my Credit Union and got my records for the last 7 years because I paid my loans online. I was not able to reconcile with my bank statements with the so called old loan servicer. For me this is a red flag. I can get a loan from my credit union and be able to pay this off. Many of my friends who asked about this said don't it just yet. My interest rate will be much lower then what I am paying now. I only borrowed {$36000.00} and after XXXX  years of payments and I still owe {$22000.00} for me this is a huge problem. The math for me doesn't work. 
Thank you
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Regarding XXXX XXXX : I viewed my Equifax credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from Equifax it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, 2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.
Consumer complaint received 2019-05-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RFNA, LP (VA)

Collector failed to respond to serveral written request to validate alleged debt. Under the FCRA they must delete and removed if they can not provide proof of debt. After several failed attempts, company has refused to do so and has not responded to my request to do so. Also, they have repeatkey changed the account balance when the account is reporting as closed. Which is by law innacurate and rounds for removal