davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (SC)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXubject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX and XXXX XXXX. I This item for XXXX XXXX XXXX account # XXXX is inaccurate because I have no knowledge of it. I am requesting that XXXX XXXX XXXX have the item removed or request another specific change to correct the information. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete or correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
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. (WI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JMD,LLC (CA)

I was in a car accident and was deemed not my fault. I incurred medical bills. I had insurance even though it was not my fault. The other party had insurance. All the insurance information was provided for both parties. 
I hired an attorney that contacted each vendor and explained that there was litigation in process and that it was illegal to report any debt until the actual debt responsibility could be determined. 

We disputed the debt even though they had NEVER disclosed the debt prior to placing it on my credit report. We disputed the debt through the vender who gave us High Desert Creditors info. In spite of our disputes, written attorney correspondence, and repeated follow up I find ( when I apply for a mortgage loan ) that High Desert Creditors IGNORED our disputes and reported the debt anyway. I may lose my fantastic rate because it dropped my scores approximately XXXX points. I have now suffered monetary damage.
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (MA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-02-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (NH)

TD bank advertises foreign currency and exchange services however the daily rate on the bank website is not honored when customers exchange currency at the bank. Upon follow up the bank has no department or customer service agents that can address such discrepancies exempt to refer back to the branch. The branch staff defer to the bank as they have a set rate in the computer they are quoted to follow and they are under no obligation to honor the exchange rate quoted on the website. 
I exchange {$1900.00} XXXX on XXXX for XXXX at a rate of XXXX which equals XXXX XXXX for every dollar. The official TD bank exchange rate quoted on the website on the same day and same hour was XXXX or XXXX. The difference for the total amount was XXXX in addition to the exchange fee. The market rate on the same day was XXXX to {$1.00}. 
TD should honor the rates on its website and should give their custody service the training and tools to address calls on this issue.
Consumer complaint received 2023-07-05
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. (NJ)

I have been disputing an error in the report for a year and still not corrected. Spoke to lien holder and they advised me that there is no late payment for 30 days for XXXX XXXX XXXX XXXX. They advised me that they do not do business with them but they use a third party credit company. I have sent all of my personal information 3 by mail.and upload. I have advised them about unauthorized credit pulls and they failed to fix it. And over a dozen of soft pulls from them My credit score was XXXX and dropped to XXXXin less than a year this is unfair credit acts on their behalf I have been compromised by their XXXX XXXX  XXXX times. Also my credit has hard pulls from people finders and they will not correct this unauthorized service. Please help me. I have been applying for a loan and have been denied several times.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

As of XX/XX/XXXX I qualify for XXXX ; therefore, I contacted XXXX/Navient to complete the corresponding documentation necessary to have my Private Loans Discharged. I was informed by multiple reps that I was unable to complete the necessary forms, make any payments or access account info because my co-signer had filed bankruptcy. Once the bankruptcy was finalized, I requested the forms necessary & provided Navient with my Social Security Admin Hearing docs reflecting my Specialists had proven I met the criteria for XXXX. Regardless, Navient required their forms be completed by my Dr at my own expense. As requested, I submitted the forms & was approved for XXXX. As a result, Navient then tried to transfer my loans to my co-signer. I refused to allow the loans to be transferred & requested that their legal dept review my request for complete discharge. I left numerous messages for Navient 's legal dept requesting a follow-up on my XX/XX/XXXX complaint & never received a response back. Additionally, I contacted Navient today & the rep confirmed that legal is still reviewing my complaint & has not responded ; yet, Navient continues to collect on the loans despite the fact they should have been discharged per the XXXX XXXX XXXX Discharge Approval. I have continued to pay the monthly amounts in order to avoid Navient reporting negatively on mine and/or my cosigner 's credit report. As a result, I believe Navient is illegally collecting on loans that should have been discharged a long time ago.
Consumer complaint received 2015-07-13
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (FL)

ON ABOUT XX/XX/XXXX WE WENT TO A LOAN CO THAT ADVERTISED THE LOWEST INTEREST SO WE CALLED AND TALKED TO A LADY THAT SAID WITH AN XXXX CREDIT SCORE WE COULD NOT BE TURNED DOWN.AFTER WE FILLED OUT ROWS OF PAPER WE CALLED THE CREDIT BURROW OF SOMEWERE IN XXXX ALTHOUGHT THE LOAN WAS IN XXXX., THE CREDIT XXXX TOLD US THEY HAD OVER XXXX COMPLANTS AGAINST THE LOAN CO. BUT FOR FOR A LARGE COMPANY LIKE LOAN DEPOT THAT WASOK.THE WEEK AFTER THE LOAN WITH THE LOAN CO. AND THE V.A. LOAN DEPOT SAID THE LOAN WAS APPROVED.A FEW DAYS LATER THE LOAN CO. SAID THE LOAN HAD BEEN REVERSTED, WE WERE GOING TO ANOTHER BUT LIKE XXXX DUM- DUM WE USED THEM BECAUSE THEY SAID THEY WOULD GET IT FOR US, SO WE AGREED.IT WAS XXXX BEFORE THEY SAID IT WAS APPROVED EVEN AFTER THAT THEY KEPT CHECKING OUR CREDIT AND ASKING US WERE THE GOT THE MONEY EACH TIME WE WENT TO DEPOIT A CHECK AND WE WOULD HAVE TO GET THE CHECK AND WE WOULD HAVE TO FIND A REASON.WHENWE HAD THE CLOSEING THE MAN DELIVERED THE PAPER WORK AT ABOUT XXXX IT CONTANED OVER XXXX PAGES OF THINGS TO SIGN, IT WAS SO MANY PAGES THAT THE MAN WHOBROUGHT IT OVER SAID HE HAD NEVER AFTER 3O YEARS SEEN THAT MANY PAGES TO SIGN, IT TOO OVER XXXX HOURS TO SIGN THE PAPER WORK.THEN BEFORE THE MONEY WAS SENT THE LADY FROM LOAN DEPOT ASK ME IF I HAD REALLY BE IN THE XXXX AFTER SHOWING ALL MY PAPERS.XXXX CHARGED US SO MUCHCLOSING COST WE COULD NOT BELEAVE IT, IT WAS ONE THING AFTER THE OTHER AND EVEN A LATE THAT THEY ENCURD ON FILLING SOMTHING LATE. MY WIFE DOS N'T WANT METO FILL THIS BECAUSE SEE THINKS THEY MIGHT TAKE ACTION AGAINST BUT I CALLED THE VETERANS ADMINATION AND WAS TOLD IF THEY DO TO LET THEM KNOW.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MA)

I need all XXXX I was able to get XXXX. 
XXXX and Equifax will not provide they have erroneous inform in my DOB. 
You can not call XXXX no customer service. 
I am extremely low income and am in process of procuring ligale help to file bankruptcy I NEED HELP URGENTLY TO GET CREDIT REPORTS NOW BEFORE MY TIME RUNS OUT FOR LEGAL ASSISTANCE. PLEASE ADVISE.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WA)

Equifax is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. Equifax nor XXXX, nor XXXX are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

On Sunday XX/XX/2021 on or about XXXX XXXX  I attempted to transfer {$200.00} ( XXXX XXXX dollars ) using Cash App to a friend XXXX XXXX ( XXXX XXXX ) At or about XXXX XXXX  on Sunday XXXX XXXX, she still hadn't recieved the funds which was odd. So I immediately contacted Cash App to request a refund I did this because XXXX and I noticed that her Cash App tag XXXX XXXXXXXX doesn't have a capital letter XXXX " XXXX '' which is how the Cash App tool directed the {$200.00}. Also, I contacted my bank XXXX XXXX and alerted them to the problem so that I could get the funds back. 
Monday, XX/XX/2021 I was contacted by Cash App Customer Service and asked to provide information so that I may get a refund or redirection of funds. I have provided the requested information each day. Today, I notice that each day I have been asked to do something and I do it but, no indication of refunding my {$200.00}. It seems as I'm getting the run around and no refund. This is not right. 
According to the app the original transaction did not complete so it should be no problem getting my money returned to me.
Consumer complaint received 2023-06-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

I am in distress and can not believe that the Dept of education is still reporting inaccurate n incorrect information on my credit report. On XX/XX/2023. I wrote dept of education regarding this plight and to dispute these inaccuracies to which my request went unanswered. I wrote dept of education/Nelnet stating that they did not investigate my dispute within 30 days was a violation of FCRA section 623 ( a ) ( 8 ), to which the information in question has become unverifiable and must be deleted under the FCRA .Dept of Education/Nelnet finally wrote me back after 50 days stating they found no adjustment needed. I am in total disagreement with this conclusion first of all it was concluded outside of the 30 days they have to under the FCRA and was already deem unverifiable.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

Payment was paid on the due date XX/XX/year>XXXX  and a late fee of {$40.00} was applied. Company will not transfer to manager, only supervisor. Company does not list a phone to corporate office and will not transfer you to corporate office.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a response to my last complaint about Capitol One not mailing me a check for what should be the correct closing balance but the response pretty much does not address anything in the previous complaint. Capitol One has consistently and negligently not been taking seriously with regard to what I've said in my many calls and email to Capitol One. Capitol One still has not addressed what happened to the {$2400.00} XXXX and {$1500.00} which they claim ( in their letter dated XX/XX/24 ) were transferred to an account ending in XXXX on XX/XX/24 and XX/XX/24. I have gone through my mail and I do not see any checks for either of these two amounts or the total of the two amounts. Therefore, I have no other choice but to continue to demand resolution to this matter with a replcement check ( if one was somehow already mailed out ) totalling the amount of these two figures. I've asked XXXX ( whose name is on this letter dated XX/XX/24 ) to call me mutliple times and she has not returned my calls. I've also sent multiple secure emails in response to the secure emails I've received at XXXX, requesting a call to get clarity about what's happned ( if anything ) to any checks that were mailed out if they were mailed out. Capital One continues to not address this matter by calling me, making it more difficult to get any resolution to this matter. If this continues, I have no other choice but to pursue legal action against Capitol One and will seek damages far in excess of the {$3900.00} I'm owed ( I still haven't verified that that's the correct amount ). Once again, I need someone in the executive office to call me at XXXX to discuss what's happened to the money that was in this account. I can verify myself over the phone. I also maintain that Capitol One has handled this matter in an extremely negligent way and I demand an extra {$200.00} for the hassle this has caused.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Apartment complex stated I move out after my lease was up turned my info over to a collection agency agent asked for me to send documentation they were requesting. I was not in the state at the time they said I was sent them all proof
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (NM)

On XX/XX/XXXX I checked my NetSpend online account and discovered that both my savings and deposit account balances were {$0.00}, I knew that couldn't be correct so I immediately called customer service. 
I was given a rundown of my recent transactions by a girl named XXXX and the last two were, my savings ( {$320.00} ) was moved to my deposit account and then was moved to a XXXX XXXX  account under the name of XXXX XXXX. {$320.00} in savings and {$670.00} from my all access account, total of {$1000.00}. 
XXXX then explained how it works and told me to call back on XX/XX/XXXX. 
On XX/XX/XXXX I called back and discovered that it was still under investigation by XXXX in the dispute department .At that point I asked for a provisional credit and was told I would not receive a provisional credit because, I didn't send a letter of dispute On the XXXX, ( I didn't hear anything about a letter till the XXXX ). 
I then spent two days Trying to get the credit, to no avail. 
This is an incomplete list of who I spoke with, XXXX @ XXXX XXXX  time on XX/XX/XXXX, then transferred to XXXX a supervisor and was disconnected ( hung up on ) after XXXX mins I called back spoke briefly with XXXX and got disconnected, Called again and got XXXX was hung up on again, Called back and got Purple ( yep ) Purple she transferred me to XXXX in the Dispute department, couldn't verify, disconnected, Called again @ XXXX got XXXX, he tried to playcate me and I ended call. 
I tried to tell them all that I was aware of the FTC 's guidelines on provisional credit all of it fell on deaf ears, and now I'm here trying the next step
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

THIS NOTICE SERVES AS A CEASE & DESIST : I refuse to pay this alleged debt and I am demanding that you cease all forms of communication with me through any medium unless it pertains to my remedy in writing via mail. 

On Wednesday XX/XX/2023 I received a letter in the mail from a company identifying themselves as : PORTFOLIO RECOVERY ASSOCIATES , LLC. The aforementioned also identified themselves as a debt collector attempting to collect from me. I do not now, nor have I ever entered into a contract with PORTFOLIO RECOVERY ASSOCIATES , LLC. As a consumer, this is a direct violation of my rights. How did you obtain my information? Who granted you the right to contact me in any matter assuming that I owe any alleged debts? Where is your proof of authority? I've never given my consent to furnish, exchange or assume anything on my behalf. This letter is an attempt to defraud, mislead, misrepresent and willfully and intentionally violate my consumer rights as expressed by the FDCPA. I've never consented or agreed to enter into any implied or expressed contracts with PORTFOLIO RECOVERY ASSOCIATES , LLC. I demand immediate removal of my information from your database and permanent deletion of whatever information you have pertaining to me as it was obtained unlawfully. No consent equals identity theft. I will not hesitate to file suit against PORTFOLIO RECOVERY ASSOCIATES , LLC and recover damages for : identity theft, fraud, personal injury. Furthermore, this company also accessed my consumer report on several occasions without my permission or consent. You will also be held civilly liable for knowing noncompliance as it states in 15 USC subsection 1681n : " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer for actual damages sustained ... ''
Consumer complaint received 2024-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

The information I'm receiving from MOHELA and Federal Student Aid are conflicting and confusing. 
Since I have been enrolled i

n the PSLF program, three of four loans have been forgiven. I was informed by MOHELA a few months ago that only 116 payments
were eligible for the fourth loan, however, I was always believing each payment was divided between all four. So, I was thinking after four more payments the fourth portion would be forgiven also. 
Now today I'm being told that the estimated payoff date is XXXXXXXX 
Federal Student Aid asked me to again verify my federal employment, which I did. 
Now my PSLF is in review again, last notification was XX/XX/XXXX 
I have almost XXXX years of XXXX XXXX and planning to retire soon.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (DC)

Experians website and app will not allow me to log into my account. I have tried many times to get this resolved but only receive a text from Experience saying login FAQs with no other information or attachment. No matter what I do, the automated system will not ever let me reach a customer service agent. 

Over this time, Experian has repeatedly sent me emails saying that my social security was found on the dark web and also that new credit actions have been taken. However, because I cant log on, I can not gain any additional information on any of this to know whether I need to put a freeze on my credit or a fraud warning. Again, there is simply no way to get past the automated system to be able to speak with a customer service agent to get more information or at least to get help with logging in. 

The lack of access to customer service agents in this context violates reasonable expectations for the two credit monitoring services that I have through Experian.