davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/18 I began communicating with an individual about purchasing concert tickets for a concert that was taking place later that evening. After texting back and forth about specifics, such as price & seat location, and method of delivery ( electronic ), I asked with the best method of payment would be, XXXX or XXXX. He suggested XXXX, which I had seen on the Citizens Bank homepage, so I agreed, and was given the email address of XXXX, which I used to send funds to this individual via XXXX. I was purchasing two tickets for XXXX XXXX at $ XXXX/per ticket, so the transaction total was {$300.00}. The transaction was processed and my account showed {$300.00} had been withdrawn, however the individual I was purchasing from said it was never received. I later learned from the police man I filed a report with that this is a common tactic used by scammers to get you to resend the funds, but since I knew the funds had left my account, I did not resend the transfer. After sending multiple text messages to this individual and calling multiple times I realized that I was not going to receive the tickets, and I that I had just been defrauded. When I called Citizens Bank, who is partnered with XXXX, they said there was no type of report that they could file, there was nothing they would do on their end, and to contact law enforcement ( which I did that same evening, XX/XX/18 ). XXXX is listed on Citizens website as " A fast, easy, safe way to send and receive money '', but I now realize that there is nothing safe about it if there is any chance fraud is involved. The Citizens website also says that XXXX is secure- '' Transfers are protected by the same technology that protects your online and mobile banking '' -unfortunately in this case " secure '' does not equal safe. The recipient mentioned having XXXX XXXX, but I am not sure if that is the case. It was very clear that this individual was targeting people by using XXXX, and unfortunately the amount of trust I had in my bank prevented me from seeing through this scam.
Consumer complaint received 2018-10-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (TX)

Someone by the name of XXXX applied for a loan with XXXX XXXX and gave them my cell phone number. I have received dozens of calls from lenders as a result of XXXX XXXX sharing my cell phone number. I have been promised several times that my number would be removed from XXXX XXXX and the call would stop. This has not been the case as I still receive call to my cell phone XXXX.
Consumer complaint received 2018-10-03
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. (CA)

XXXX, transunion, and XXXX has not sent my credit report ftc violation trying to fix the inaccurate information on credit report
Consumer complaint received 2024-09-14
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. (FL)

It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 
\n When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions. 
XXXX XXXX Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : \n \n 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 
XXXX XXXX permissible purpose. 
XXXX XXXX have remained humbled despite the stress, abuse, and harm XXXX XXXX credit reporting agencies have done to me.
Consumer complaint received 2018-10-09
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. (FL)

Please help me with getting TransUnion to remove an illegal account from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states that a lender must hold a valid license to offer loan products in the state and any loan contracted or received, wherever made, without a license is INVALID and UNENFORCEABLE under the law. It has been validated by the FL Department of Business Regulation and the FL Attorney General that XXXX XXXX does NOT hold a license to offer loan products in Florida. 

I have disputed this tradeline with TransUnion multiple times and provided all legal information, yet they refuse to remove it. Each time I am told that they have " Validated the debt with the creditor '' which is simply not possible as I have also requested this from the creditor and was told they can not validate as the account has been sold elsewhere. When I asked for evidence of their legal ability to offer loans in FL I received the attached response which validates nothing. Just another refusal to validate. I have asked repeatedly for TransUnion to verify the legality of the account and they simply close the dispute with no investigation. This account is illegal and TransUnion continuing to report it is a violation of the Fair Credit Reporting Act. 

The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion remains the only CRA that has not removed this tradeline. They must remove it or remain in violation of the FCRA.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-09
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. (FL)

I am reporting wrong information on my credit report XXXX XXXX XXXX was deleted from off my XXXX XXXX account and still showing on my Equifax Report this account is close with a {$0.00} Balance
Consumer complaint received 2018-10-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Hello Sir, I have lost {$1700.00} my money from my savings bank account. I am a bank of america customer. 

Someone just added as a XXXX  recipient and made two un authorized transactions. The moment i got a mail about someone added to my XXXX   transfer account, after few seconds recievied another mail, says {$900.00} sent to XXXX XXXX. after that i got another mail saying {$850.00} sent to XXXX XXXX. 

after 5 seconds, I realized this is a fraud transaction and called bank of america fraud claims, and filed a fraud dispute. 

now bank of america people saying that those transactions made from your device only. so we wont be able to do anything about it. 

I lost {$1700.00} of my own money because of bank of america security  issues. 
I want my money back. 
Please help me with this.
Consumer complaint received 2018-10-09
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: JPMORGAN CHASE & CO. (AZ)

Chase Mortgage # XXXX has re-aged this item thus violated my rights according to the FCRA. 

It's clear that the first date of continuous delinquency on this item is XX/XX/XXXX. ( See the attached reporting of this listing ) Per the FCRA items should no longer report after 7 years. 

Chase MTG has now placed the item as a Charge-Off with a NEW RECENT date as of XX/XX/XXXX ; which clearly is inaccurate. My previous report from XX/XX/XXXX reported this item as Charge-Off on XX/XX/XXXX. Chase has re-aged this item and has caused further damage to my credit. 

I've attached print screen copies of my credit report from XX/XX/XXXX showing that they've re-aged the item. I've also attached credit report print screen for report dated XX/XX/XXXX reporting a charge-off date of XX/XX/XXXX. 
The FCRA clearly states that the information on the credit report must be accurate or the inaccurate information must be removed. It is evident that I can not trust neither reporting and request that this item be removed from my file immediately. 

In addition, the new reporting of this item as a NEW Charge-Off from XX/XX/XXXX appears to be retaliatory reporting from Chase so that this item appears as a NEW derogatory account to other potential creditors ( which it clearly is not ). A Charge-Off is an accounting practice where the banks must move aged collectible debt out of their asset column for accounting purposes, therefore it is a single one time event not a status that can be reported month after month ; as they do not move the debt back and forth in their balance sheet. 

The FCRA provides relief to consumers in that after 7 years items are to be deleted from the credit report and also prohibits retaliatory misconduct from creditors. In which Chase clearly has no regard for following the procedures as outlined in the FCRA. 

Currently this retaliatory reporting is damaging and preventing me from obtaining my personal financing. 

I am disputing this with the aid and support of the Consumer Financial Protection Bureau and request that my rights be protected as outlined in the FCRA. Furthermore these discrepancies in reporting lead me to believe that their data is inaccurate, and thus can not trust ANY of their data in reporting to the credit bureaus. How can they report year after year one information and then change it. How can I as a consumer trust that they've reported correct information? 

I went through the same dispute process with XXXX XXXX XXXX who was reporting the First Mortgage inaccurate as well. They also had re-aged the listing, but have now fixed the reporting. Attached is a copy of the letter they sent me dated XX/XX/XXXX stating they would be removing the inaccurate information. 

The only acceptable resolution to this matter is the immediate deletion of the INACCURATE listing, remove this item from my credit report.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (PA)

XXXX XXXX keeps trying to collect a debt that is past 7 years and trying deceptive tactics. Every time I get mail it's some new collection company trying to collect a debt not owed. 
I get a letter from XXXX XXXX XXXX on XX/XX/2018 and on XX/XX/2018 I get a letter from XXXX XXXX XXXX for the same debt. XXXX XXXX uses other companies as well as practices to reinstate a debt past the statue to collect on.
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I submitted a request for a loan modification on XX/XX/2018. I was notified items were missing and I supplied those items on XX/XX/2018. Today is XX/XX/2018 and I still do not have response to my request for assistance.
Consumer complaint received 2018-10-09
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: Convergent Resources, Inc. (MI)

After checking my credit report back in XXXX, and receiving a phone call from XXXX XXXX, XXXX, - I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX, XXXX - I am not liable for the collection of the debt from XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. They have called and harassed me about this debt day and night. This has hurt me severely in regards to obtaining credit. XXXX XXXX, XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (NC)

I received a payday loan through XXXXXXXX XXXX an online payday lender. My family and are going through a hardship we have been paying the company. Although, through Hurricane Florence we have fallen behind. the company explained to us that there is an intrest rate daily occurring on the loan. Once reviewing the loan application the intrest rate on this loan is 792.82 % which is outrageous. Can you please help .... We are willing to pay back so the XXXX we borrowed and an extra XXXX but on a XXXX loan the pay back amount is XXXX.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (DE)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MD)

I purchased 3 items online at XXXX and used a combination of gift cards, my XXXX XXXX   credit card and XXXX XXXX credit card rewards certificate to pay for them. 

I returned 1 of the 3 items and XXXX XXXX has not refunded me for the purchase price. My XXXX XXXX order number XXXX. 

SKU : XXXX QTY 2 @ {$230.00} each ( Returned 1, kept 1 ) SKU : XXXX QTY 1 @ {$150.00} each ( Kept 1 ) They owe me a refund for {$230.00} for the return but have only refunded me {$130.00}. I filed a dispute with XXXX XXXX ( The XXXX  credit card bank ) and they have denied my claim. 

Now they say I still owe them {$100.00} but they owe me {$96.00}. The finance charge of {$4.00} should be refunded as well because I paid the full balance of the products that I kept. 

It has taken over a dozen phone calls to XXXX XXXX customer service and XXXX  customer service to just get the {$130.00} returned. Originally, they only returned {$50.00} to me. 

This seems like fraud to me and is a shame that this whole ordeal happened as I did not want to order 2 of them in the first place. Shortly after I ordered it online I called and tried to change the order and they said they could not and I had to send back to get a refund. This is the worst experience I have ever had with a retail store.
Consumer complaint received 2018-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

On XX/XX/2018, I called Navient to see if I can get a lower monthly payment, They took my payment and reduced it from {$250.00} to {$180.00}. I agreed for them to withdraw the payment from of my bank account on every XXXX of the month. On XX/XX/2018, they withdrew the {$180.00} from my account. On XX/XX/18, the withdrew my old payment of {$250.00} from my bank account. I called on XX/XX/18 and spoke to a representative and she told me that they never cancelled the original amount, so that is why they took the {$250.00}. I then email the representative my bank statement showing where the 2 payment was withdrawn. She filled out all the paperwork and said I would have the money back into my account on XX/XX/18. I called back on the XX/XX/18, and the representative told me it was processed, and I would have the money back on XX/XX/18. I then called back on XX/XX/18 an asked what was going on with my refund, the representative e told me that they were sending me a check by mail because they didn't have my banking information for some reason. The representative told me, If I didn't have my check by XX/XX/18, then call back. Today XX/XX/18, I still have not received a check, so I called again, now they told me my account was overdue. The manager did fix the past due problem and said my refund would be here today. With this big XXXX up from Navient I received an eviction notice because I am late on my rent payment.
Consumer complaint received 2018-10-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp. (NC)

6 months ago after moving to NC I changed my cell phone carrier to XXXX and was assigned a new phone number : within days I received a phone call from XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Calif. - they asked to speak to a person I didn't know ( I don't remember the name of the person they asked for but it was not me or anyone that I know ). I explained that the person they wanted was unknown to me. The response was " if you see him tell him to call us '' then they hung up. 

They continued to call me on a weekly bases so I blocked their number - ( XXXX ) XXXX XXXX - within days I received a voicemail from : ( XXXX ) XXXX XXXX the message requested I call the 866 number concerning a financial issue. I did not call since I had already talked to them and they did not believe I was not the person they wanted. 

For the past month I have been receiving a daily voice mail from the same 800 number. This has become harassment. 

I have never done business with XXXX XXXX XXXX and do not have any loans on my cars - I do not have any financial issues with anyone I do business with. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2018-10-09
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. (NY)

This is my second time reaching out reguarding my NELNET student loan accounts. I know it has only been a few weeks with my original complaint being XX/XX/27 but I have not yet heard from NELNET and my credit score is suffering greatly. My original complaint addressed my concerns of falsely reported late payment for my student loans purchased by NELNET from XXXX XXXX XXXX XXXX XXXX. In the past few weeks I have done extensive research on the map and it appears that this is a frequent problem with many others thats mearly took out student loans to better their future and in turn actually hindered it. I am reaching out again in hopes of a resolution to get the innacurate late payments from XXXX removed from all three credit bureaus. I appreciate your time assisting me with this matter
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

XXXX account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
XXXX XXXX account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. JCP account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?