davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

Up until 2 years ago I was never shown an option for IDR. My loans were always in deferment, which was the only option aside from forbearance that was ever offered. So for 8 years I was continually being charged interest. I researched on my own and found the IDR. I applied and obviously was approved. I didn't start working until 3 years ago. So the first 7 years my income was {$0.00}. Now I owe around $ 2k MORE THAN my original loan, 10+years ago.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (MS)

Recently Discover closed my credit card account. They did not provide a reason even though I had never missed a payment and my credit score is always around 800. The credit card account has a credit balance of {$6000.00} Over the past few weeks I have repeatedly asked them to send me a check for the balance. They have refused.
Consumer complaint received 2019-02-04
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. (PA)

I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX  was the easiest and most helpful. XXXX has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is Equifax. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from Equifax. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.
Consumer complaint received 2018-01-30
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. (NY)

XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX XXXX credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX XXXX account. I received my XXXX  credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX XXXX.
Consumer complaint received 2022-08-27
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: MoneyLion Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Money Lion ) XXXX XXXX XXXX XXXX  Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 



Respectfully, XXXX XXXX
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (CA)

This company on many occasions asked them to make a dispute with them and they did not agree, they always leave me with excuses and lies that there is no one who can attend to me that they only collect the debt, I feel insulted by them for the constant calls I made Without any solution they have never given me proof that deserves the debt that they say I owe them. 
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1500.00} Status date XX/XX/XXXX XXXX
Consumer complaint received 2019-03-27
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: EQUIFAX, INC. (PA)

On XX/XX/XXXX and XXXX of 2017, XXXX made 2 hard inquiries on my credit report that I did not authorize. I have never been interested in their services, so I am completely certain they are unauthorized inquiries.
Consumer complaint received 2019-02-04
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: AES/PHEAA (NY)

My student loans were transferred to XXXX XXXX by XXXX XXXX. Whilst and after completing school, my loans were always in deferment or forbearance status until I could get to the point were I could manage repayment. I started repayment of these loans a few months back and noticed my account had reported late payments for XXXX and XX/XX/XXXX. I spoke to an advisor and he tells me had contact with XXXX in XX/XX/XXXX and was put on a forbearance that lasted a month later XX/XX/XXXX. Which does not sound like the correct way my account was to be handled when I spoke to them I was offered the income driven plan which I have always declined and asked for my account to be put on the forbearance. The advisors I spoke to never did what they had to do on their part and instead noted my account as if I was interested in the income driven plan. I specifically explained I have never been interested in that service or plan. This employees mistake has now caused me issues with my credit because since fedloan logs separate reporting for each individual loan those 2 months that were reported late have become 12 late payments since I had 6 separate loans. This is also unfair because if the loans are separate then they should be reported once just one late payment turns into 6. This needs to change it is very unfair for customers and people who might not be in good economic conditions. They have poorly trained and lazy advisors that end up giving people the wrong information, and incorrectly note accounts. I need this issue to be corrected as soon as possible or I will pursue legal action.
Consumer complaint received 2020-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX I received an email notification to my current email address XXXX from XXXX XXXX that some one attempted to run my credit through XXXX XXXX and PayPal. i have used PayPal but in the past. I currently have a PayPal set up under my school email at XXXX XXXX XXXX XXXX  that's the one i use i got hacked and locked out of the other one. I called XXXX and there sending me a free credit report. also they verified with me that i have a fraud alert initial and extended that is place till XXXX. I also have a security alert and credit freeze with all three buraus though that stops accounts and transactions from being ran through and approved. it doesn't stop third party from attempting. I feel attempting to run something through some one else is still a crime even if its blocked and declined. 
I had no choice but to file this complaint to notify the feds that I recently moved and changed phone numbers. my old phone number is is not remembered at this time. my new number is XXXX my old address is XXXX XXXX XXXX XXXX in XXXX  XXXX , wi XXXX note this was a group home called XXXX XXXX  which XXXX know longer live at or am affiliated with. in XX/XX/XXXX i moved from the group home in XXXX XXXX, to the XXXX house at XXXX XXXX XXXX XXXX XXXX, wi XXXX this was also a transition apartment owned by the XXXX   XXXX XXXX XXXX owners. i left there in XX/XX/XXXX to move in to my own place in XXXX XXXX. my current address is XXXX XXXX XXXX XXXX XXXX wi XXXX. 
after calling XXXX  i attempted to check with PayPal my old account is still registered to my current email but im not getting the pass word resets because the text codes are going to who ever owns my old phone number. i was unable to reach a live person at pay pal and XXXX XXXX. please help me investigate this.
Consumer complaint received 2018-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with TransUnion and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TN)

My agent and I both sent my new homeowners policy to Suntrust for payment. I uploaded it directly on XX/XX/XXXX, my agent faxed it to them the same day. 

On XX/XX/XXXX I received a " Forced insurance '' letter from Suntrust, they had failed to pay my insurance on time, even though I have a fully funded escrow account. 

I called Suntrust who told me, ' We paid it today and there will be no lapse in coverage. '' Had I made a claim in the period from XXXX XXXX XXXX, I would have been uninsured. When I asked Suntrust where to file a complaint, I was told that there was nobody to complain to, I found this website on my own. 

This is absurd, they had my money, they had my new policy and yet they did not pay it, leaving me without coverage ( Sure they will back date it because I did not have a loss and they want the money ). This is completely unfair. If this is a pattern from Suntrust, they should receive sanctions or penalties.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (WY)

I had a rental car stolen from me in XX/XX/2015 and got it back and returned it. I offered to pay the company an additional {$200.00} over {$360.00} owed for the trouble. They in turn ran a fraudulent invoice for {$3000.00} thru my Chase bank account. Chase, instead of helping me fight the fraudulent invoice, garnished my entire social security check for 3 months. It is AGAINST THE LAW to garnish any part of a social security check ( XXXX  ). Every time I fought them to get it stopped they gave me provisional credit then took it back bouncing every payment made off that check and charging me service fees. I lost my home of 17 years, everything I owned and my car got repossessed. I want my credit restored and every payment owed by this to be paid by them, my money returned plus the charges they accrued and billed me for in excess of {$50000.00}. It is AGAINST THE LAW to garnish XXXX  in full or part according to the FEDERAL GOVERNMENT. I sent them  evidence of the fraudulent invoice which they used against me as " proof '' I owed money instead of proof of fraudulent activity.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NV)

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 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I disputed Collection Account XXXX XXXX XXXX XXXX   ACCOUNT # XXXX with the three Credit Bureaus ( Equifax, XXXX, XXXX  ) and with XXXX XXXX XXXX XXXX, stating this collection is not reflecting the correct purge date. I went in debt with the original creditor XXXX  XXXX  ( please see attachment ) in XXXX, XXXX XXXX XXXX XXXX re-aged the date to date opened XX/XX/XXXX with removal date XXXX, XXXX. This removal date is inaccurate, please have this account removed from my Credit report. The original creditor filed a judgment on XX/XX/XXXX. The credit bureaus nor the collection agency XXXX XXXX XXXX XXXX will not remove this inaccuracy from my credit reports. This is why I am filing a claim with Consumer Finance XXXX XXXX XXXX XXXX mailing address : XXXX XXXX XXXX XXXX XXXX, MDXXXX
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

My problem is with PAYPAL CREDIT, a subsidiary of PAYPAL ( specifically with a promotion entitled 6 mo free if paid on time ). Here are the relevant facts : My XX/XX/XXXX XX/XX/XXXX Statement DUE XX/XX/XXXX with " Amount to avoid Standard and Deferred Interest {$3300.00} ''. 

I placed a call to PayPal Customer Service on XX/XX/XXXX and specifically inquired if a {$2500.00} refund, which was being processed by PayPal, when cleared, would apply to my PayPal Credit XXXX statement balance of {$3300.00}. I WAS TOLD IT WOULD. 

During that same phone call I was advised that the difference of {$820.00} or more would be required to avoid interest. On the XX/XX/XXXX I made a payment of {$850.00}. 

My {$2500.00} refund sent to my PayPal Credit account was cleared on XX/XX/XXXX. 

On XX/XX/XXXX ( first business day after the XXXX deadline ) I was charged {$390.00} interest. 

My next call revealed the reason behind my dispute/appeal : - The Customer service wrongly told you that the refund would apply to your XXXX Statement ; - Person you spoke with on XX/XX/XXXX was a PayPal Customer Service member, NOT from PayPal Credit Customer service and THEY WERE NOT AUTHORIZED TO MAKE SUCH A CLAIM. 
- Your refund was applied to another promotion instead of your XXXX Statement, so you were charged {$390.00} for non-payment of {$3300.00} in full. 

I sent a FAX to PayPal Credit, demanding review and reversal of the {$390.00} ; I received two emails ( do-not-reply kind ) that a ) acknowledged receipt and b ) stated " Our response, if any, will be reflected in your account balance in 24-48hrs '' ...

One week later I had to call back to find that my appeal for fee reversal was denied, no further communications was deemed necessary.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

This loan started at XXXX XXXX  and was sold to XXXX XXXX XXXX and then to Mr. Cooper. I have been trying to get a loan modification from Mr. Cooper for several years now after suffering a brain injury in XXXX of 2014 car accident. I have fully recovered from the accident and my income has stabilized ( although reduced due to XXXX ). Since this loan is not XXXX XXXX or XXXX XXXX loan, the investor has been unable to offer a loan modification that would lower my payment and defer a portion of the loan balance. I really want to keep my home and would like a fresh start to resume payments. 

There is also another issue of insurance claims that were processed through the lenders but the insurance money was never returned to me. I had to complete the insurance repairs with my own money instead of with insurance money which hurt my situation even more.
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PAY-O-MATIC (NY)

Pay O Matic cashed a check that was payable to XXXX XXXX. Pay O Matic alleges the maker of the check put a stop payment to the check. I have requested tangible proof from Pay O Matic but I keep receiving threatning phone calls from an employee name XXXX. I have received an average of six phone calls a day and also various voicemail messages from this employee. He claims he will sue me for the money.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (MO)

This account was removed due to reporting unveriable and inaccurate they re-sold the account and re-inserted back on my credit report. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.