davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Risecredit, LLC (TX)

I initially discovered this account on my credit report months ago. I wrote a letter to RISE on XX/XX/2020 asking them to investigate as to whether this account was actually mine as I have no knowledge of it. I had a previous loan with them that I fully paid, but this one, I do NOT recall at all. From the date of that letter to XX/XX/2020 I received absolutely nothing from RISE meaning ( as I would learn ) they had chosen to ignore my request for a proper investigation completely.. The time from the first letter sent in XXXX to discovering it still appeared on my reporting in XXXX obviously took them WELL BEYOND the required period for such a response. After all, with the lack of response, I had assumed they had investigated and removed an obviously inaccurate report. But when reviewing my credit report and still finding it this month. I wrote a second time asking them again to actually fully investigate the situation and provide me with the actual account information, dates, fees, charges, compliance with FACT ACT guidelines, and of course confirm in notarized form that the report was 100 % accurate or DELETE it. Instead, today I received not a mailed letter as requested with ANY of the information Required or Requested. Instead they sent me a short " email '' stating they could find no errors in their reporting. NO DETAILS, NO ACCOUNT INFORMATION, NOTHING WHATSOEVER. 

Clearly this does NOT come close to meeting the bare minimum possible requirements of an investigation. It supplies me with nothing to prove the debt and attempts to just ignore my requests in direct violation of Federal Statues. And by sending me such a blatantly dismissive E-Mail, RISE is NOT in compliance with any Federal Requirement concerning this alleged debt and must by Federal Requirements DELETE it immediately and ensure this file is permanently closed.
Consumer complaint received 2023-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paxful Holdings, Inc. (CA)

I have made several attempts to reach someone at Paxful regarding the issue with my account. I havent been very sucessful, no one has even bothered to get back to me or adress my issue. I have been a Paxful customer for quite some time but raely use my account. I sucessfully completed a trade almost a week ago and havent been able to withdrawl my funds do to me being required to go through the verification process which I had already sucessfully completed it when I fist opened my acount months ago. So therefore something is wrong not to mention it says that I have ran out of attempte when I didnt even attempt to send my valid Id in the first place why would I if I already did in the past. I have almost {$60.00} just sitying in my account that I cant get to and the chat bot and submitting tickets us usekess when no one responds I want my funds asap.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (AL)

I just received my unemployment state debit card and it wont let me activate my card online, on the app, or over the phone because its saying my information dont match records but i am giving the correct information
Consumer complaint received 2020-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2020 I wired {$4000.00} to my business account at Sun Trust Bank in XXXX, Florida from my personal account at XXXX. My account was then frozen and Sun Trust did not relinquish my money. This money was wired in order to cover a rent check for my business. The check did not clear because Sun Trust held onto my {$4000.00}. I have since closed this account, but was not returned my {$4000.00} that i had wired.
Consumer complaint received 2020-09-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MD)

We Defaulted on our car lease payment in 2018 because the XXXX dealership we leased the vehicle from went out of business. so we called that particular location for a few months but couldn't get a whole of anyone. we were finally able to reach a customer service representative at another location that told us to turn the vehicle in since it was been repossess for the delay in payment which we did. the lease was in both my name and my wife 's. This particular account started reporting on both our credit reports as derogatory. but this account from the get go has always reported inaccurately on my reports XXXX  XXXX  and XXXX  had wrong information on their separate platforms about this account and every time i disputed the errors and demanded that the account been removed from my credit report for been inaccurate the particular error will be fixed but the account will remain. Even though this account was written off as bad debt for the full amount of the vehicul in question after we had made more than half of the aforementioned amount before turning the car in we had a certain Convergent Outsourcing, Inc contact us in an effort to collect the debt. And at this same time this XXXX-XXXX  XXXX went ahead and reported fraudulently on our credit report new payment that we never made and my guest is that they did this to move the status of limitations on this account ahead to the can fraudulently still take our money. Please help us fight this fraud
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (LA)

Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. Experian has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score.

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Please allow me to preface that I am legally a XXXX person ( per the State of Texas, and per the United States Federal Government, I am classified as legally XXXX ), so I'm often not feeling well. That, in turn, prevents me from reviewing and managing my finances as others would.

I called Chase Bank when I noticed an abundance of unauthorized charges on my debit card. We reviewed my bank account, and noticed charges that went

back for SEVERAL MONTHS! The associates were all so very nice, and said they wer
e able to remove all the unauthorized charges from my accounts - those  refunds were applied to my account XXXX 2020. 

... 

But then on XXXX, I found that Chase Bank had REVERSED DOZENS AND DOZENS OF unauthorized charges back to my account! 

That includes : 1. ) 1 charge from XXXX XXXX, in Pennsylvania ( I reside in Texas!!! ) Totalling {$3500.00} ; I did NOT authorize that charge! 
2. ) 46 ... FORTY-SIX!!! ... Various charges from XXXX ; those were NOT authorized purchases! OVER {$2000.00} of my money has been stolen from me using Apple.com. 

All of which were charged BACK to my account! NEARLY {$6000.00} of FRAUDULENT charges were CHARGED BACK to my account! 

I called Chase Bank, and they indicated that certain unauthorized charges were not applicable to refund. They could not provide a clear understanding as to why those charges were not applicable. So they charged ALL of them back to my account! 

Please assist in ensuring that my account is properly refunded for ALL the unauthorized charges that have reappeared on my account! 

Thank you in advance for your wonderful help!
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (NY)

I have received numerous phone calls and voicemails with robot-messages from different numbers. Over the past month, I have received calls and voicemails with the same robotic message about debt and legal proceedings, all from different phone numbers. In XX/XX/XXXX, I was called once on XX/XX/XXXX, twice on XX/XX/XXXX ( with two different numbers ) and once on XX/XX/XXXX. All of these were different numbers with the same message.
Consumer complaint received 2020-09-30
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NY)

I turned in my lease on XX/XX/XXXX and received a bill from Hyundai Motor Finance in XX/XX/XXXX. I tried contacting the dealership for help, because my husband has been out of work since XX/XX/XXXX due to Covid-19, and the dealership never contacted me back, this went on for over 2 months. On XX/XX/XXXX, I finally spoke to a manager who basically told me too bad nothing I can do for you, you have to deal with Hyundai Finance. I have had nothing but issues with this XXXX XXXX XXXX, I was more than happy to end my lease early. On XXXX XXXX, I contacted Hyundai Motor Finance, I spoke to XXXX XXXX, he told me there was nothing they could do to help, that it could possibly be sent to the credit bureaus once the account hits 90 days. I explained to him about my husband being out of work due to the pandemic and receiving less than $ XXXXweek,  after about 30 minutes XXXX XXXX told me to call back at 90 days, XX/XX/XXXX and they could offer me a settlement. On Friday, XX/XX/XXXX, I noticed my credit score dropped 47 points I was furious, I called Hyundai Finance again on XX/XX/XXXX, received a settlement amount of {$470.00} and paid it off ( after having issues-4 phone calls before actually getting the XXXX XXXX number ). Every other business is working with their clients/consumers during Covid-19 except Hyundai Motor Finance. Hyundai Company only cares about money, they don't care about their customers needs.

I would like to have my credit score fixed and this negative report taken off my credit reports. I attached the 2 letters ( 3 pages ) I received which neither says anything about reporting to the credit agencies prior to 120 days. I have submitted a complaint to XXXX on XX/XX/XXXX and to date, Hyundai has not replied to them. 

On XX/XX/XXXX, I called Hyundai Motor Finance to be sure my balance was zero and XXXX told me I had a balance of {$110.00}, according to XXXX, she is submitting a waiver for the {$110.00} and I will receive a letter stating my {$0.00} balance. I could not believe that they had not cleared this up since I paid the settlement amount on XX/XX/XXXX. As of today, XX/XX/XXXX I still haven't receive any confirmation my account is zero. 

Please help!! 

Thank you in advance for your help.
Consumer complaint received 2020-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Salie Mae refused to received payment for the amount of {$35.00} a month back in 2009 during the financial crisis even when I filled out the forms on line but their system did not allow me to print out and not even save by pdf the application since I showed proof of my new employment making 30 % less of my wages. Sallie Mae decided to sell my loan to Navient and I have the emails I sent to Navient but they stop to answer my questions by email and sold my loan to XXXX and this new company two years ago took my re-found check from IRS ( State and Federal ). I was making {$100.00} Payments to XXXX but about 2 months ago I was told by XXXX that my loan was back to Navient just when I was laid off due to corona virus and I am getting unemployment. Navient does not provide me with a contact person with an email address other than their web site and I got yesterday a letter from XXXX stating Navient has not received my payment. I can't pay my loan right now and I can't even pay my mortgage. I need help with Navien with a contact person with an email address because by phone the harassment NEVER stops, so I prefer email and I need help on payments until I get a job.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/2020, I requested a 1 time, principal only payment of {$3000.00} to Bank of America ( Confirmation number XXXX ). I am trying to pay my mortgage off early, so I submit a principal only payment at least once per month. For some reason, the payment was collected as " unapplied funds '', instead of being applied directly to the principal. I called again a couple of days later to ask that this be fixed ( XXXX ). The representative told me that they would fix the issue within 8-10 days. They did not. At this point, not only have they collected the $ XXXX I sent at the beginning of the month, but they have also collected my regular payment, which is ALSO being held in " unapplied funds ''. This is getting increasingly ridiculous because now my account is flagged as " overdue '', despite them holding almost 7 months worth of mortgage payments in " unapplied funds ''. I called again ( XXXX ), at which time the representative told me that he could see my request, but it was still processing for some reason. He assures me that no penalty would come of this, even though I'm well past the grace period. It is now 29 days later and I see that they have surely applied some money towards the interest on my account, but none toward my principal. Every time I call on the phone, I spend no less than 2 hours on hold. I've sent multiple messages through their Secure Messaging System. I got a response in my personal email from an email  address that I don't recognize, and the link in the email is requesting personal information, so I don't trust it. When I go to the secure messaging system in my account, there are no unread messages for me. So if this is in fact bank of america, they need to do better about not looking like spam. I'm now currently on hold with them AGAIN, as we are now going into a second month of this and not only do they need to adjust my account to reflect the large payment I made at the beginning of the month and adjust the interest they've collected, I also need to make another payment. I should not have to do this math in my head, as I'm sure they expect me to just keep blindly making payments without them making any adjustments to my account. Customers used to be able to make these types of payments online, so I don't even understand why I need to spend hours on hold to do basic things like make a payment.
Consumer complaint received 2020-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently pulled my credit report, and there has been a FRADULENT ACCOUNT opened on my credit report on XXXX and XXXX. This is ruining my credit and I am unable to use financial resources in need for myself and family during this pandemic.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I OPENED THIS CARD I THINK IN 2016. A WHILE BACK I HAD A FAMILY, HEALTH AND JOB ISSUES AND I HAVE TRIED TO WORK THINGS OUT WITH THE CAPITAL ONE BANK. 
I HAVE CALLED MANY TIMES TO MAKE PAYMENTS, ETC ON THIS ACCOUNT OF THE LAST COUPLE YEARS. THEY HAVE BEEN VERY DIFFICULT TO WORK WITH, TALK TO, ITS GOTTEN TO THE POINT THEY WONT TALK TO ME, THEY WONT TAKE MY PAYMENTS, THEY HAVE SCREWED UP MY CREDIT OVER AND OVER, THEY HAVE THREATENED ME. IT GOES ON AND ON.
Consumer complaint received 2024-11-15
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. (NY)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action.
Consumer complaint received 2024-11-15
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''