davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: VETERIS CAPITAL LLC (AL)

Firstly, I do not owe this debt. 

I have repeatedly asked the company to cease all communication, as I am a victim of human trafficking and am working daily to regain my identity and rebuild my confidence. I have provided them with the human trafficking case number from the police through CFPB which can be fact checked. Despite this, the phone calls, emails, and text messages have continued. 

Now, I am being threatened via text messages with fraud charges. If they choose to file these charges, thats their decision, but I am not responsible for this debt. Furthermore, it is illegal for a debt collector to use threats or intimidation as a tactic to collect a debt. 

Please cease all further communication immediately. 

First, you misrepresented yourself as an attorney, and now youre threatening to send me to jail for a debt I did not take out. You stated, This is a written notice to you, we will be filing fraud charges on behalf of XXXX XXXX XXXX. This will be filed with the XXXX Police Department, signed by XXXX XXXX from XXXX XXXX with the phone number XXXX. 

Please do as you see fit, but I do not owe this debt. I am requesting once again that you stop contacting me immediately.
Consumer complaint received 2024-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I attended graduate school XX/XX/XXXX XX/XX/XXXX. I did not request for Navient to change my student loan account from repayment to in-school deferment. I paid half my payment every XXXX weeks which means I made an additional payment each year for a total of 13 monthly payments/year. In XX/XX/XXXX, prior to my consolidation, I saw that these months were documented as in-school deferment and requested the in-school deferment be removed so these months counted as active payment months. Navient replied XX/XX/XXXX that they could not remove the in-school deferment since it would put my loans severely past due and the payment for XXXX XXXX was due XX/XX/XXXX ( 4 months away ) and XXXX XXXX was due XX/XX/XXXX ( the next month ). Since I had made the same monthly payments plus XXXX additional monthly payment each year, this did not make sense to me. I called Navient and asked again if they would remove the in-school deferment. The individual who answered the phone said yes, she could remove the in-school deferment for both XX/XX/XXXX ( when I was not in school and did not request a deferment ) and XX/XX/XXXX XX/XX/XXXX. I then requested to consolidate my student loans to XXXX to access the temporary waiver program. 

I had no idea that my second request was denied until XX/XX/XXXX. I never received additional communication that my phone request was denied. I do not understand why it was denied in XXXX, and why I was not offered a way to remove the in-school deferment and come current with any interest that XXXX have been owed. I also do not understand how there could be any delinquency by removing the in-school deferment when I made the same monthly payment since XXXX plus XXXX additional monthly payment each year. I called Navient again on XX/XX/XXXX and requested they remove the in-school deferment and allow a way to come current with any past interest due during that time and was told they would resubmit the request, but most likely it would be denied. 

This feels incredibly unfair and like Navient is continuing to misguide/scam student loan borrowers. I have been paying on these student loans for decades and even when my kids were little and I could not afford full-time daycare, I worked PT ( just under the XXXX hours/week ) for a non-for-profit organization, I continued to make my monthly payments.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, section 602, consumer reporting agencies like XXXX and XXXX must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure my private information is not shared without my consent. 
Additionally, 15 U.S.C. 6801 states that financial institutions have a continuous obligation to respect and protect the privacy and confidentiality of their customers nonpublic personal information. Under 15 U.S.C. 1681, section 604, consumer reporting agencies can only furnish a consumer report with the written instructions of the consumer. 
I do not consent to XXXX, XXXX, or XXXX sharing my information. Any previous consent, whether verbal, nonverbal, written, implied, or otherwise, is revoked. According to 15 U.S.C. 6802, subsections B and C, financial institutions can not disclose nonpublic personal information to third parties without providing the consumer an option to opt-out, which I was never informed about. 
Furthermore, 15 U.S.C. 1681c, section 85, states that no consumer reporting agency may include any adverse information in a consumer report that is older than seven years, except for records of convictions. According to 15 U.S.C. 1681s-2, subsection 8, a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed in section 1681b. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. 
Under the Privacy Act of 1974, a charge-off is considered a certificate of indebtedness, which is treated as income and should be removed from my credit report. It is also illegal to report transaction history, so my credit report should be marked as paid as agreed. I intend to send a bill to each companys trustee for each violation, for the pain, suffering, and humiliation caused by violating my rights as a consumer under the Federal Credit Reporting Act of 1682.
Consumer complaint received 2024-10-09
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (GA)

I am not liable for this debt of with diversified adjustment I do not have a contract they did not provide me with the original contract as I requested my wet signature and ID verification. 
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (KS)

Affirm is a very predatory company that is destroying my credit. Affirm setup my account on a monthly basis for automatic payment withdraws for multiple payment methods on fail. Affirm failed to withdraw my payments and marked 3 accounts as late dropping my score XXXX points. Two of the accounts were a result of my information being used which affirm refused to remove so I continued paying them to save my credit. My credit file has all types of inaccuracies from affirm that they failed to fix and continue to refuse to fix. According to 15 USC 1681 ( e ) ( b ) they are legally obligated and required to make sure that they are fairly reporting credit without inaccuracies.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

This company called me, didn't identify themselves until XXXX, refused to tell me why they were calling in any way ( after asking me identifying information ) ; I was then promptlyinformed that I owed almost XXXX to their client and how Iwas going to pay that. I had to pry what the bill was inregards to out of the representative, which was for aXXXX XXXX in a city called XXXX, Ca ; I also had to ask hermultiple times the name of the city, because she wasspeaking incredibly fast and not being clear. I eventuallypointed out that not only had I never been to that city, Ihad n't been to the region in over 30 years, I hadn't taken anXXXX XXXX and I wasn't even in the United Stateswhen I was supposedly taking this ride. The woman askedfor my birthdate, then informed me she had the wrongnumber and hung up. Looking through their XXXX reviews, I found a number of complaints mentioning the exact same scenario. It seems like they are either making upbills to collect on, or just XXXX and harassing peoplebased on the first search results of the name. Please dosomething about this.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to Privacy and Confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A : States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : States 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : States a person shall not furnish any 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.
Consumer complaint received 2024-08-16
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc (IL)

I am writing to bring to your attention an issue I am facing with a {$500.00} XXXX gift card purchased through PayPal XXXX in XX/XX/XXXX. Despite assurances that the card would never expire and would be digitally available, I recently found out that I can no longer access the card details because XXXX discontinued their gift card program without prior notification. 
Details : Date of Purchase : XX/XX/XXXX Amount Paid : Approximately {$450.00} Gift Card Value : {$500.00} Promised Expiration : Never Digital Availability : The card was supposed to be digitally available. 
Issue Discovered : Late XXXX Customer Service Response : PayPal XXXX stated they no longer support Gift Card Deals and can not assist in retrieving my gift card details. 
Program Discontinuation : XXXX discontinued their gift card program almost a year after I purchased the card, making it too late for me to contact my credit card company for a dispute. 
This situation appears to violate the federal Credit CARD Act of 2009, which requires that gift cards must not expire within five years of purchase. Despite my efforts to resolve this issue directly with XXXX and PayPal, I have not received a satisfactory resolution. 
I request your office 's assistance in investigating this matter and helping to recover the value of the gift card, as well as ensuring that other consumers are protected from similar issues. 
Thank you for your attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (FL)

I am filing this complaint against XXXX regarding their failure to comply with the legal requirements stipulated under the Fair Credit Reporting Act ( FCRA ). Specifically, I requested the method of verification ( MOV ) that XXXX used in response to a dispute I filed. According to the FCRA, upon receipt of such a request, the credit reporting agency is required to respond within 15 days of receiving the request. 

The relevant section of the FCRA is Section 611 ( a ) ( 6 ) ( B ) ( iii ), which states that if the consumer requests the method of verification used by the consumer reporting agency during the dispute process, the agency must provide that information within 15 days of receiving the consumers request. 

I sent my request for the method of verification to XXXX via certified mail. I have in my possession the certified mail receipt with the tracking number, showing that XXXX had someone pick up the letter from the postal facility in XXXX, Georgia, on XX/XX/2024. Based on this, XXXX was required to respond to my request by XX/XX/2024. Today is XX/XX/2024, and I have still not received any response or acknowledgment from XXXX. 

This lack of response is not only in violation of the FCRA but also causes significant concern regarding the accuracy and transparency of XXXX dispute resolution process.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: King of Credit Financial, Inc ()

I booked a full-size SUV through Dollar rent a car. Upon arrival at Dollar in XXXX XXXX, there was no full-size SUV available. 

Eventually, the Dollar representative, through her manager, offered an upgrade as compensation. I was allowed to take the vehicle for XXXX USD per day instead of the XXXX USD per day that I had already paid to XXXX ( partner of Dollar rent a car ). This adjustment was supposed to be made upon returning the vehicle, and nothing would be charged to my XXXX. 

I also see that an upgrade charge has been applied, but this was not agreed upon. I have been trying to explain this to dollar for a month now. 

The woman at the counter informed me that this charge would be offset against what I had already paid to the partner where I booked the car. The upgrade was free of charge because there were no cars available in the category I had booked. She said it would be cheaper to do so. 

When asked to sign, the device only shows the rental number and nothing else. You only see what you signed after the fact. 

Now I see that I have paid XXXX USD to Dollar + I already had payed XXXX USD to the partner. The Dollar representative mentioned that the final difference would be XXXX USD in my favor. The partner also confirmed this was misleading by Dollar rent a car. 

Who in their right mind would suddenly pay double when picking up the car? 

Dollar Rent a Car is not being helpful and is only sending back a few words in response to my complaint.
Consumer complaint received 2024-08-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

On XXXX XXXX XXXX I submitted the School Misconduct application sent by Navient Corporation. This application was to submit documents and paperwork that would suffice for full discharge of my private loans taken out for my education at XXXX XXXX XXXX XXXX XXXX XXXX 
Per the application, in writing, they stated that they would return correspondence in 60 days or less. 
It is now XXXX XXXX XXXXXX/XX/year> and have heard nothing. No confirmation of receipt or any sort of message asking for anything or any outcome. This is unacceptable. 
The only correspondence I have received from Navient is that they will be transferring all my loans to XXXX. 

I have submitted these similar applications to the Dept of Education which also have sent me correspondence and discharged my Federal Loans.

Navient has kept those loans in limbo. They have not moved, been discharged, but are just sitting there with no action to them either.

The private loans though are still up - and I have been paying as much as I can to keep them from defaulting or from going into forbearance which would elevate them due to interest accumulated. I have reached out to the California State Attorney General as well as the DFPI ( Department of Financial Protection and Innovation ) and filed complaints. 

I have yet to hear back from Navient.
Consumer complaint received 2024-08-03
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: Consumer Adjustment Company Incorporated (SC)

On or about XX/XX/2024 I had a collection agency place an account on my credit report and I never received any information regarding this account prior to placing on my credit report. I disputed with XXXX through XXXX XXXX and it was removed. In XXXX this account reappeared on my credit report and I disputed it again for the same reason. This account was placed as a new account with an open date of XXXX and again no formal notification was received by me of this accounts existence. The dispute took longer than 45 days and was not removed. I disputed it again on or about XX/XX/XXXX and they still will not remove this account. I dont have an account with this company and not documentation has been sent to me regarding accuracy or anything else. I want this account permanently removed.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (OH)

I have open accounts in my name that someone took out loans in my name that dropped my Credit Score a lot. 1 of them is called XXXX XXXX XXXX the amount is {$1500.00} date XXXXHeres another XXXXXXXX XXXX XXXX the amount of this is {$3000.00} the date XX/XX/year> next one iXXXX XXXX  that amount XXXX {$440.00} date XX/XX/year> I have identity theft on my taxes that Cant No one file these loans I never took out an the on record that I work an I never worked a day in life since a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I really need help disputing these on my Credit reports I been wit my XXXX XXXX XXXX XXXXXXXX never step outside of Banking with other banks an taking out Loans..
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-07-03
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

XXXX XXXX XXXX MICHIGAN XXXX XXXX XXXX XXXX, XXXX, MI XXXX Case Number : XXXX Please remove inaccurate reported late payments update to paid as agreed I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory dost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with
15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue. 

Your prompt attention to this matter is greatly appreciated. 

Sincerely,