davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: U.S. BANCORP (PA)

On XX/XX/XXXX I received pandemic unemployment from the state of PA in the form of a visa debit card issued by ReliaCard. When attempting to activate the card I was denied access. I called unemployment and the treasury department where I was told there is no hold on the claim. On XX/XX/XXXX Reliacard sent a text message requesting a " selphie '', which I immediately sent. On XX/XX/XXXX, the card was still being denied. I immediately called, and was to fax SS, drivers license, 2019 tex return, and W2 form to fax number ( XXXX ). On XX/XX/XXXX I called again, since th card still would not activate. I was told then to fax it again, at 200 % magnifaction. I was then told the matter would be escalated and to call back in 10 business days. Ten days later I was told the hold remains and can not be lifted, with no instructions for recourse. PA treasury has issued the claims, as I have been able to successfully verify the amount on the card. Todate, I am still unable to activate the card. As of today, the debit card has over {$11000.00} issued in my name.
Consumer complaint received 2020-12-29
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: CITIBANK, N.A. (NY)

In XXXX and XXXX I noticed two inquiries placed on my credit report from Citibank/way and CBNA. I immediately contacted Citibank and CBNA informing them of fraud and I explained I never applied for credit from their companies. The Representatives ensured me that this dispute will be forward to Citibank and CBNA as fraudulent. The inquiry is still appearing on my credit report. I'm asking that this fraudulent inquiry be removed. I contacted these creditors and they did not do as promised.
Consumer complaint received 2020-12-29
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)

I am disputing the following account under FCRA : XXXX XXXX account # XXXX Experian refusing to investigate Please delete asap
Consumer complaint received 2020-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (PA)

I am currently off of work due to hospitalization and needing to have XXXX. I do not have a return date, have no income until my short term XXXX is approved and comes through. I called this company to see about a deferment, they advised me no assistance due to not having the current loan opened for 6 months, okay, we told them we may have the funds Friday, they asked me to pay on Thursday and stated it won't clear until the XX/XX/XXXX, kind of asking me to overdraw and make a charge on my account with funds I do not have. Per the loan agreement I am supposed to have a 10 day grace period however what the rep relayed to me was I needed to pay the XXXX or it would be reported late because my payment was due on the XXXX. That is 3 days. It does not matter the due date a grace period is offered the same must be offered to all customers and this did not seem to be the fact what was being told to me. This is unfair practices.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

There's a paid collection on my credit from 2014. It was an amount of {$15.00} that was paid. In the description, it is listed as a medical collection. 

The creditor 's name is listed as " XXXX XXXX ''. This is a medical collection, and the fact that it is reported to my credit is a violation of HIPAA laws. The fact that I attended a medical doctor is a private matter and my info, billing or otherwise, should not be furnished to any collection department or personnel that isn't the acting doctor or nurse treating me.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (NY)

When I opened my account with TD Auto Finance Account # XXXX Upon doing that I put the account on Auto pay. All payments have concluded in a timely fashion without any hitch. The last payment for some reason did not debit automatically. I was not aware of any issues as soon as I was after trying to apply for a refinance. I made the payment immediately.. 
I would like to to resolve this easily without having to escalate the matter.
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2020-12-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several negative items and unapproved inquiries on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (TN)

I put a formal dispute within 30 days. The debt collection agency acknowledged that they received my request. I have not received the information that I have requested, but have been receiving calls daily. I reached out to the agency to see why I am receiving calls when I have not been given the information I asked for. The agency has not responded. 

Before I put in my formal dispute, I had two calls on which the caller would not identify themselves, but wanted me to verify personal information and the callers were rather rude and abrupt when I questioned who they were.
Consumer complaint received 2024-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

MOHELA has made multiple illegal " mistakes '' with my federal student loan account as described below. 

I have now over-paid MOHELA by {$2400.00} in order to try to achieve the simple goal of bringing my loans marked as fully paid through XX/XX/XXXX ( the date of my final XXXX payment toward Public Service Loan Forgiveness ). I will recount Mohela 's " errors '' below : XXXX ) The company illegally increased my income-driven payment amount from {$800.00} ( the legally-backed income-driven payment amount from XX/XX/XXXX when federal loan payments kicked back in until XX/XX/XXXX ). The company refused to fix this error with a variety of excuses saying they " can not access anyone 's income-driven payment amounts at this time '' and unless I pay the amount they are over-charging my account, it will be marked as delinquent. 

XXXX ) I over-paid to try to avoid their incompetence impacting my loan forgiveness by over-paying by {$2400.00} in an effort to bring my account up to date as fully paid through XX/XX/XXXX. I did this despite the fact that they are illegally over-charging me, and I paid the exact amount that they are over-charging me, all the way through my XX/XX/XXXX payment. Note, I paid XXXX in advance to try to avoid their incompetence in not posting my payments on time to the account, which they have done multiple times. 

XXXX ) My account now has record my full payment amount, yet the company STILL HAS MY ACCOUNT MARKED AS DELINQUENT. They are telling me that although I fully paid the amount they are over-charging me, my payment was posted to the wrong account number, resulting in my account still being marked as late. Most recent phone call, XXXX XXXX ID XXXX tells me that the payment I made was allocated to the wrong account number and that the company will " try to fix the mistake but they can not give me a time frame on when it will be fixed. '' ALL OF THE COMPANY 'S ABOVE ACTIONS ARE ILLEGAL AND I DEMAND THAT MY ACCOUNT IS FIXED NOW. MY ACCOUNT IS FULLY PAID THROUGH XX/XX/XXXX YET MY LOAN FORGIVENESS WILL NOT BE MOVED FORWARD UNTIL MOHELA CORRECTS MY ACCOUNT TO REFLECT MY FULL PAYMENT THROUGH XX/XX/XXXX.
Consumer complaint received 2020-12-29
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: TRANSWORLD SYSTEMS INC (MO)

I've been trying to rent an apartment. This company is making it difficulty. 
They said I owe money because I was in a natural disaster. 
That is not true. They said it happened in 2018. 
The company is called Transworld System Inc. 
I did XXXX search on them and they have tried to scam many people
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

There are several negative items and unapproved inquiries on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

In XX/XX/2020, I XXXX XXXX purchased an XXXX XXXX XXXX from XXXX XXXX XXXX in the XXXX, Texas metro. They seem to have me approved with multiple lenders ( XXXX XXXX and Ally Financial ). I chose Ally Financial due to the terms of the loan. I put down a down payment of {$7000.00}. Everything was going good until Ally financial started reaching out to individuals not in my family network in XXXX. All of the payments have been made through their app. In XXXX they contacted my step mom ( never had her information ) then in XXXX my step uncle XXXX XXXX and asked for his SSN and Bank info. They then called my brother who is XXXX year old XXXX XXXX and now today they called my immediate boss. None of these people are listed on any contact of mine. I have asked them since XXXX.
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (PA)

I reached out to this company because I saw their name was listed on credit report and I wanted to try to rectify this instead of taking Bankruptcy. Upon calling Absolute Resolutions, I realized and was informed that another company is managing the debt and they are simply recording the information to my credit bureau. They stated that XXXX  XXXX  at XXXX is managing this, but I have never received any communication from XXXX  XXXX  or from Absolute Resolutions in reference to this debt. In an attempt to try to settle the debt for {$1000.00} XXXX XXXX stated that Absolute Resolutions would not accept this offer. This is highly confusing to me. I never received anything that stated anything about this debt. I never got informed who to contact or call. Even when I spoke with XXXX XXXX, they did not even know my mailing address and throught I still lived in XXXX XXXX, FL, which I have not lived in for over 5 years. 

I really wish to settle, close, and have this collection removed from my credit report. If Absolute Resolutions has done something illegal in this endeavor, they need to zero out the account and remove this from my credit report immediately/ The offer is valid for {$1000.00} and I will not offer a XXXX more. Absolute Resolutions must handle this debt and a 3rd party of a 3rd party is not going to be acceptable to me.
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (RI)

****SEE ATTACHMENT*** PLEASE - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX  XXXX  XXXX  for code of ethics violations.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

For the past 5 months, I have been trying to get my title from Ally Financial for a car that I financed through them. According to Ally Financial, they issued my car title to a car dealership in XXXX North Carolina called XXXX XXXX  XXXX after this car dealership requested the payoff. Hard to believe that a car dealership had my loan number and VIN number to make this request, it seems like they are running some kind of a scam if you ask me. According to Ally Financial, they have issued the title to my car for a payment of {$38.00} from XXXX XXXX XXXX, after I have paid $ XXXX in payments to Ally. Definitely looks like some type of fraud taking place between these two organizations. Ally has sent me a notarized letter of release of lien but the state of California will not issue title because XXXX XXXX XXXX has now taken a lien against the car. So now I have a car that I can't sell or drive because XXXX XXXX XXXX has liened the car out, if the car is totaled in an accident they would receive value of the car. 

XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX NC XXXX. 

The title rep at XXXX XXXX her name is XXXX, phone number XXXX, according to XXXX the company doesn't have my title. If you didn't have my title and VIN information how could XXXX XXXX be able to put a lien against my car. 

It is my belief that the Ally and XXXX XXXX have a scam going on, allowing XXXX XXXX to borrow funds against cars that they don't own.
Consumer complaint received 2020-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/2020, my phone and computer were stolen. Somehow, the thieves broke through my passwords and accessed my Cash App and XXXX accounts. They drained my bank card for about {$10000.00}. I reported this to both agencies along with a list of the fraudulent transactions and the police report. XXXX replaced the stolen funds but Cash App is refusing. I am a furloughed worker due to Covid 19 with unemployment benefits and eviction protection running out. I wish so badly my phone and computer hadnt been stolen because this is literally ruining my life. Cash app has many many consumer complaints which they do not care about resolving. There is no way to speak with a live person. They are a rip off and should not be allowed to do business this way. I am happy to furnish any documents to you which I have already submitted to Cash App. I want my stolen funds refunded to me. This is so unfair. Please please help me. 
XXXX XXXX.
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (IL)

I disputed innacurate accounts reported by your company in the file you maintain Under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XXXX I sent certified letters to Experian regarding the inaccurate and unverifiable items on my credit report. To this day, over 45 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 45 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX data breach and someone may have gotten my information.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I had my funds deposited from IL unemployment and Chime has locked my account! I went to pay for my daughters XXXX medication and I couldnt buy it due to them placing a hold on my card and Now she is out of medicine for the night and I hope she doesnt go into XXXX  XXXX  without it. They are now giving me ridiculous wait times to respond to my problem!
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (MT)

These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently XXXX  in the U.S. Military. There are credit card laws that protect military members to those who are currently working XXXX. Please remove any negative remarks from my credit reports.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (MO)

Chrysler capital is stating that XXXX XXXX has a credit alert on my report and is showing the wrong phone number and they cant verify. I called XXXX XXXX and they said they dont have any inquires from Chrysler today on XX/XX/28 and that there is no credit alert
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. Fair Collections & Outsourcing XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted Fair Collections & Outsourcing XXXX XXXX/ and the Original Creditor and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the XXXX and FTC! This is unacceptable!