davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

i had bought three card thre seperate times i never have a problem with this company untill now when i purchased the cards i tried to use them and they where declining at the stores checked the balance and they where already used. called customer service to file a claim for the cards since they didnt have funds ... .. and and they approved my case sent me new card but some days later i recieved a second email from them stating the case was not approved and that the new card they sent me would not have balance on them so basically they approved my case then later said case not approved.with no explenation whats so ever. so basically theft. below i will write down the info of the cases including the old card number that i bought witch had no funds in them. 

case 1 # XXXX card number XXXX case 2 # XXXX card number XXXX -- XXXX case 3 # XXXX card number XXXX
Consumer complaint received 2022-11-19
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX  Case Number : XXXX XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX Case Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Collection : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiries XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX Personal Info : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

On XX/XX/XXXX I decided to consolidate my student loans. They were in an IDR product and SAVE. Prior to that I was in Repaye. The consolidation was to remain in the same product. Aidevantage was unable to keep the loans in the SAVE product due to the federal government and the courts. Instead of declining the consolidation loan they processed it putting me in a standard repayment plan. The first statements I received from them stated that if you applied for an IDR disregard this statement as it takes longer to process IDR. They never stated that they were not able too. 

Then the next statement came and it was a high amount due XXXX. 

I called on XX/XX/XXXX and was told that they were unable to put me in IDR and that I could pick a different plan and pay them. I told them this was a bait and switch and requested they cancel the consolidation. 

I received a letter on XX/XX/XXXX stating that request was denied. I called again and requested to appeal that denial. The person at aidevantage told me it was no big deal to stay with them as my account was in a forbearance and being charged interest. And that even in an IDR plan I would have interest. 

I called the XXXX  and they told me that information was false. That the loans in the IDR and SAVE plans are not being charged interest. They also stated that the student loan servicer is able to decline the consolidation. 

I called aide vantage, again. This time asking for a supervisor. The person stated that after about 10 minutes of holding no supervisor was available. She was able to, at my request, put in a request that my loans not be charged interest. She stated a supervisor would call me back. Its been 24 hours and no call. 

This company is 1 ) not following a federal injunction to pause student loan interest 2 ) acting without integrity taking my loans out of the protections of IDR - the right thing to do wouldve been to not consolidate 3. ) not giving forthright information to the consumer in a timely manner. They said I had 10 days to request this cancellation but didnt notify in that time frame that they werent able to provide an IDR plan or SAVE. 

Thank you for your assistance. I can provide additional information or clarity if needed
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MI)

I had about ten credit ( maybe more ) cards with Synchrony and they arbitrary closed them all. All the balances on them are paid off except for one with a {$220.00} balance. On Thursday, XX/XX/2023, is when the cards were closed. That Tuesday and Wednesday I had pending charges, on Friday morning the charges were cleared, but with this credit card with PayPal when charges clear I get the cashback instantly, but since Synchrony closed the account, they will not pay the cashback. 

With the reduction of the massive buying power my credit score will significantly decrease. All summer I worked hard to build my credit score. I used the credit cards and paid the balance off frequently, rarely kept a balance. Prior outstanding balances are paid off. I eat off several credit cards and then pay them off. Now Black Friday is coming, I desire to carry a balance into Spring. I planned this Black Friday since XXXX by building a massive buying power, to spend only a portion of it so I can keep my credit utilization below 30 % and not max out one credit card to not significantly impact my credit score in a bad manner.

My credit report has many inquiries due to mainly applying to Synchrony Bank, no one will lend to me due to the many inquiries even though my score is at a XXXX, no derogatory information, and all balances with other lines of credit is at a {$0.00} or up to 5 % utilized. As mentioned before, I did this to shop within a responsible budget for Black Friday ; to get things my parents never bought me as a child and now I work and can afford through credit to maximize the reward system. 

This is not a duplicate complaint but a new complaint. I am complaining about the cashback that is owed to me.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (GA)

Date of Report : XX/XX/year> Description of Issue : I am writing to report errors and violations by XXXX and associated parties related to my credit report. 
Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : XXXX and associated parties failed to ensure the accuracy of my credit report, incorrectly reporting 35 late/missed payments. 
FCRA, 15 U.S.C. 1681i : XXXX and associated parties failed to promptly correct errors after I disputed them. 
XXXX XXXX XXXX : XXXX and associated parties failed to comply with XXXX XXXX requirements for reporting, specifically regarding : Incorrect payment history. 
Failure to update account status. 
FCRA, 15 U.S.C. 1681g : XXXX and associated parties failed to provide me with a complete and accurate credit report. 
FCRA, 15 U.S.C. 1681c : XXXX and associated parties failed to comply with requirements for reporting obsolete information. 
12 CFR 1022.43 : XXXX and associated parties failed to maintain reasonable procedures to ensure accuracy. 
Desired Resolution : I request that XXXX and associated parties Immediately remove the incorrect late/missed payment entries. 
Provide an updated credit report reflecting the corrections. 
Take steps to prevent similar errors in the future. 
Conduct an investigation and provide a written response regarding the violations.

These action are leading to denial of credit, loans, and suitable livability. These companies are giving the impression that there are 37 MISSED PAYMENTS and the alleged debt is being CHARGED OFF every month of every year.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (NC)

This company is reporting on my credit report that I owe i have never been to this place visited or stayed there I advised the debt collector they sent it to I have no idea who they are or the place only reason I know the place is because rent debt automated collectors advised me and that they have accused me of staying there the woman I spoke with was rude and told me it will stay on my credit because I asked her to email me the fraud packet due to not having a mailing address and hung up on me I have a police report that show I have been a victim of identity theft this is stressful. It shouldnt even be to the point I have to have anything filled out because its not my debt also I want proof that I was there and stayed there as well as any additional information. They say this debt was from XXXX I found out I was a victim of identity theft soon after. Please fix this issue. I have police report and ftc report and I have already reported this to you. I went to the apartment complex they say I dont owe and gave me a ledger of XXXX balance but the rent debt automated collectors willl not remove this debt. They say I have to do a fraud packet but I have provided everything and Im homeless so I have no address to have mail sent
Consumer complaint received 2021-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RANLife, Inc. (CA)

Ranlife is reporting lates to you on mortgage account XXXX, there are no lates on this account. Ranlife changed the servicer from XXXX XXXX to to ranlife in XX/XX/2020 and closed the XXXX account, See the following documents : Record of my payments to this account vs Ranlifes record.copies of my bank account showing payments in XXXX and XXXX12months, XXXXthrough XX/XX/2020 of my bank account records showing on time payments.A dispute I made with the CFPB about this inaccurate record XXXX ... XXXX Ranlife did not reply. Ranlife actually changed the loan servicing from XXXX XXXX in XXXX XXXXI am disputing Ranlifes record made to XXXX, XXXX  and XXXX as it is inaccurateand damaging. I have contacted Ranlife about this but they have not taken any action.Additionally an additional payments was made in XX/XX/2020 and ranlife collected additional fees that I want restitutionfor. 
Thank You, XXXX ( please reply via email ) XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' DEPT OF EDXXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DEPT OF EDXXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, DEPT OF EDXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2024-11-14
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)

On XX/XX/year> I XXXX XXXX filed a lawsuit against Transuion for reporting fraudulent items on my credit report Item # XXXX XXXX XXXX XXXX {$XXXX} Which is a fraudulent account if this account is not removed XXXX seeking damages or {$XXXX} along with attorney fees According to section 605b of the FCRA
Consumer complaint received 2024-10-02
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: Cascade CISS Holdings, LLC (NY)

Ive be came a victim of fraud last year 2023 when some one broke into my wife car Ive Ben goin through the rope with identity theft Ive been contacted the local pd in they told me to cont cfpb
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete this 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-14
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. (WI)

I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I am a XXXX  XXXX  with 21 years of XXXX  service. I had a lease agreement with XXXX XXXX XXXX I reported a sewage water problem for over 4 months with no resolution that started in XX/XX/year>. I was allowed to move on XXXX with the issue not yet resolved and a week after I moved they tried to tell me I own them for the promotion of 3 free months and early termination fee. I paid all my rent on time and did not want to leave with sewage water leaking from about apartment and now I have a collection for {$21000.00} from the NATIONAL CREDIT SYSTEM. Try contacting the credit bureau for help using the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) with no luck. How could I get a collection when they fail to meet the minimum living conditions? Please I need help to resolve this abuse. Thank you
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (OH)

I had a issue with XXXX XXXXXXXX XXXX XXXXXXXX who was supposed to diagnosis and repair my vehicle for a prior service that was done incorrectly and troubleshoot a power drain. Due to issues with the dealership i disputed the charge with Current internet finance company and they recovered the funds but kept them and never put them back in to my account. The dispute was for XXXX. The whole amount from XXXX was XXXX niether party has refunded money as agreed. Here it has been a number of months no refund.
Consumer complaint received 2022-11-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$26000.00} ; XXXX XXXXXXXX Balance {$370.00}
Consumer complaint received 2022-11-13
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. (DC)

I called TransUnion at XXXX. The reference number for the call was XXXX. The agent advised that they would escalate two recent unauthorized inquiries XXXX XXXX on XX/XX/2022 and XXXX XXXX on XX/XX/2022, for disputing. However, they insisted on mailing in identity verification documents and an FTC report, which have been attached for your review ; however, this should not be required. I called TransUnion, verifying my identity on the phone prompts. Subsequently, it was made clear that there was no authorized nor permissible purpose for the hard inquiries. The legal process should be that the hard inquiries are dropped if there is no authorization or permissible purpose found. It is the burden of proof of the credit reporting agency to identify these factors, not that of the consumer to prove that their identity was potentially stolen.