davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MI)

My complaint is with Navient. 

I have, in the past, requested that they not call my employer. Yet, they are still calling my office phone. This is getting very embarrassing. Despite past requests, they have called three times already today ( XX/XX/year> ).
Consumer complaint received 2024-08-07
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. (CA)

equifax claims that these account have been verified In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611 provide the names and business addresses of each individual with whom you verified the information so i can follow up. Please send me an updates copy of my credit report after your reinvestigation account XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Colony Brands, Inc. (NJ)

I have contacted these companies on my credit report several times. None of them will remove their in accurate information from my credit report. I have reached out to their companies as well as I ask for information regarding the accounts that are associated with my name be removed from my account. I have paid these accounts in full. These accounts on my credit report were supposed to be took an off after making all payments in full. This is what the companies customer service representative and specialists are saying, but nothing is being done. I asked for documentation of these accounts, and the results of the paid status, and the removal of these accounts from my credit report they are not sending me any documentation and they are not removing them from my credit report as they said they will do so. They are reporting back to the credit bureau that they are refusing to remove this information and they will not reach out to me about why they will not remove this information as it is a resolve situation, prior to their agreement to remove. I pay all accounts off in full and on time. I should not have to suffer the inappropriate behavior of these companies lying to the consumer as they continue to promote negative credit status against the account holders.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file, hindering my ability to lead a normal life, and causing immense hardships. 

The negative impact of these inaccuracies has been profound, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

Events at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OR XXXX - We pay rent on XX/XX/XXXX. 
- Loss of heat XX/XX/XXXX with notification of service request sent to building. We hear from other tenants that their heat is also out. 
- We pay rent on XX/XX/XXXX. 
- XX/XX/XXXX we send a notification of termination of our lease at the end of XX/XX/XXXX and receive confirmation on XX/XX/XXXX from management. 
- On XX/XX/XXXX, other tenants also lost heat and were compensated with 1 month of rent in contracts with the building without requirement to extend lease or renew lease. I have a copy of this contract. 
- On XX/XX/XXXX we don't pay our XXXX rent, having continued to have no response and continuing to have no heat for now nearly 2 months. 
- On XX/XX/XXXX another renter is offered a one-time rent credit for one-month 's rent without contingency on continued lease or renewed lease as compensation for inconvenience of having no heat in the middle of winter. 
- On XX/XX/XXXX we are offered a one-time rent credit for one-month 's rent contingent on us choosing to continue our residency with XXXX XXXX and renewing our lease.

- XX/XX/XXXX discriminatory practices are brought to the awareness of the XXXX XXXX by email. 
- XX/XX/XXXX 10-day nonpayment of rent notice threatening " if rent is not paid by deadline set forth below, your Rental Agreement will terminate and the landlord will proceed to take possession of the premises in accordance with Oregon law XXXX '' - XX/XX/XXXX - we receive a response by email from XXXX XXXX ( XXXX ) stating " I was able to converse with ownership this morning. Their position on your request has not changed. They believe they have the right to offer remediation to residents at their discretion. The fact that you are in violation of your lease by not paying XXXX rent only reinforced them in their decision. I do realize you were hoping for a different answer, however, at this time ownership and thus XXXX consider the matter closed. '' - XX/XX/XXXX - we move out and vacate the property with all our belongings having still not paid XX/XX/XXXX rent. 

Debt Collection Around the beginning of the year XX/XX/XXXX we star to get phone calls from various numbers with representatives from Columbia Debt Recovery LLC DBA Genesis trying to confirm our identity, information and request payment for debt we owe on behalf of XXXX XXXX. 
On XX/XX/XXXX I send a cease and desist message to Columbia Debt Recovery LLC DBA Genesis by email. I provide them with all the evidence of predatory practices and discrimination by XXXX XXXX. 
on XX/XX/XXXX we receive a response from : COLUMBIA DEBT RECOVERY LLC DBA GENESIS, XXXX XXXX XXXX XXXX, WA XXXX with a validation of debt with XXXX XXXX as an attached XXXX 

We continue to have a decreasing credit score due to the debt collection efforts being sent to credit reporting agencies for a debt that is unjust and should not be due.
Consumer complaint received 2024-10-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

Company was contacted to remove repossession off credit because the car was sold after repossession and the fees paid out the balance but the repossession was never removed from my credit and it is reporting and inaccurate account balance amount
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: Amsher Collection Services, Inc. (GA)

in accordance with the Fair Credit Reporting Act. Amsher Collection # XXXX has violated my rights. 15 U.S.C 1681section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Twice now I had funds transferred into my account- once deposited a check from a Title Company and the second time an electronic transfer from another bank.

In the first case it took the bank 10 days from the time funds were taken out of the Title Companys bank to give me to access these funds.

In the second case it took 4 days.

Bank is using my money without paying any interest for all this time.

With all transfers being electronic, it mskes no sense why the bank does not release funds they have already collected.

Must be some law to force banks to give one access to ones funds once they collect them.
Consumer complaint received 2024-10-04
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: Southwest Recovery Services, Inc. (TX)

The information is inaccurate and I have received no notification authorizing the transfer of any account. According to 15 U.S.C 1681 any and all information on my credit report must be accurate and this is not. Please provide a full and legible wet signature not an e-signature and original contract.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Navient confirmed in communication with me that account notes show I had requested a forbearance before missing any payments, but Navient reported my account 90 days past due, strictly for XXXX XXXX XXXX 

After noticing the hit to my credit, I contacted the company and they corrected their iXXXX XXXX, but have failed to correct my credit report. 

I have repeatedly reached out to XXXX, XXXX, and XXXX to request correction, but Navient has failed to confirm the correction, maintaining a false hit on my credit and negatively impacting several major purchases. 

Please investigate all parties for responsibility and corrective action.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

Subject : Reporting Suspected Financial Fraud Involving XXXX XXXX  Transactions I am reporting suspected financial fraud involving XXXX  XXXX  transaction data on a financial platform, specifically Cash App. I have noticed significant discrepancies in my transaction history that suggest potential tampering or manipulation of records by the platform, which seems to be concealing inconsistencies in the amounts sent and received. 

In particular, I have multiple versions of XXXX files downloaded from my account that show conflicting data for the same transactions. These discrepancies appear to have been introduced after the transactions were completed, raising serious concerns about data integrity and potential manipulation. 

I am prepared to provide copies of these records, along with any other relevant information that may assist in your investigation. Please let me know if further details are required. 

Additionally, I would like to outline the pattern of discrepancies I have observed in my XXXX  transactions : Each time I purchased XXXX and transferred it, I believed I was sending the exact amount I had bought. However, it became apparent that a larger amount was being withdrawn. I suspect this issue began when I won XXXX XXXX  through XXXX. At that time, I was new to XXXX and unsure if I had understood the amount correctly. I later realized that the amount I believed I XXXX XXXXmight  have been altered to just XXXX XXXX. 

This issue persisted for many years without my knowledge, largely because I was unable to see these discrepancies unless I downloaded my transaction history. The recent transaction history displayed on the website did not reflect these issues. The evidence I will provide clearly shows that the amount of XXXX I intended to send or withdraw never matched what was actually deducted, with much larger amounts being withdrawn. 

Thank you for your attention to this matter, and I look forward to assisting with your investigation. 

" I would like to clarify that all the spreadsheets have been filtered to show only XXXX-related transactions. Any differences observed between the files are solely those made by Cash App, apart from the highlighting and filtering to display all XXXX transactions. ''
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (NV)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Dear Sir/Madam, I am writing to dispute two items that are currently listed on my credit report. The first item is a charge of {$1400.00} from XXXX XXXX, which was added to my credit report on XX/XX/XXXX. The second item is a charge of {$530.00} from XXXX XXXX XXXX for XXXX XXXX, which was added to my credit report on XX/XX/XXXX. 

Regarding the XXXX XXXX charge, I am unsure as to why this charge has been added to my credit report. My lease for the apartment in question ended on XX/XX/XXXX, and during my time living there, I always paid my rent on time. I do not owe any outstanding rent. 

Regarding the XXXX XXXX XXXX charge for XXXX XXXX, I am a current customer of XXXX XXXX, and I have not had any outstanding debts with them. I can attached a copy of my insurance policy and a statement from XXXX XXXX confirming that my account is up to date as proof that this charge is inaccurate. 

I respectfully request that you investigate these matters and remove these items from my credit report as soon as possible. Please inform me of the results of your investigation and any actions taken to correct my credit report. 

Thank you very much for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXXXXXX XXXX XXXX numerous fraudulent inquiries have occurred. These inquiries were NOT made by me. In two instance involving XXXX , they even withdrew from my capital one bank account without my permission. 
XX/XX/year>- XXXX 's attempted to withdraw {$1800.00} from my personal Capital One account, without my permission or knowledge and failed to do so due to insufficient funds. 
XX/XX/year>- XXXX 's withdrew {$1200.00} from my personal Capital One account, without my permission or knowledge. I disputed as soon as I had found out AND alerted Macys/Citibank/and Capital One of the fraud and told them not to allow any payment of this nature to occur now or in the future. 

All parties made notes to the account regarding the fraud occurrence, and to not allow this to occur again. It was not characteristic of me to pay XXXX in that manner. 

Despite my efforts and the supposed notes made on both accounts, they allowed the second fraud occurrence. 

XX/XX/year> XXXX XXXX XXXX the {$1200.00} payment ( eventually adding the entire amount to my balance ) XX/XX/year> XXXX XXXX retried the {$1800.00} withdrawal, without my permission or knowledge, and was successful. 

I was forced to call all parties yet again, regarding their failures to protect my accounts. 

XX/XX/year> XXXX 's reversed the {$1800.00} withdrawal, and added the fraudulent activities to my account. 

These issues also, with the failures of Capital One Bank, caused financial loss in the form of a bounced check and late payment to XXXX XXXX. While the FROZE my account for a LONG period, I had to use funds from alternate accounts to be able to make my rent payment. This was stressful and handled poorly... first by allowing the fraud, then by allowing the fraud AGAIN ( despite my warning ), then by freezing my activity and causing late fees and unnecessary stress.
Consumer complaint received 2024-09-26
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: HYUNDAI CAPITAL AMERICA (AZ)

I paid off my loan in its entirety on XXXX XXXX XXXX. Today is XXXX XXXX XXXX  Despite multiple phone calls and demands, Kia finance has not released the electronically on my title for my vehicle that has been paid in full for over 65 days.
Consumer complaint received 2024-08-07
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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

After XXXX dedicated years with USAA, they decided to close my accounts to include checking, savings, and credit card. Why? I was offered no explaination with the exception of it was the bank manager 's decision to close my accounts. My accounts are scheduled for closure on XX/XX/year>. 
I was sent notification stating : " Consistent with laws and regulations, all U.S. banks obtain information about their customers when they, or their transctions, present risk to the financial system. 
Apparently, there was some kind of risks that USAA refuse to let me know what the risk is that I supposedly committed. 
I was contacted by a representative of the CEO 's office who claimed that she only could report what she did not know since there is nothing in writing to substantiate this action.
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

Aidvantage capitalized interest on a XXXX loan to amount to XXXX. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER properly explained to me and I believe this was done predatorily. I honestly think it was done illegally as I was never explained in enough detail and in my position was in no mental state to understand these things. NONE OF THIS WAS EXPLAINED TO ME and I have offered to pay the ORIGINAL amount many times and Aidvantage refuses to give me an answer.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (CA)

CFPB Wells Fargo called me again. I fully understand how everything keeps being sent in circles with all five banks. 

The moment a case worker finds out the truth, they are replaced. The casework disappears. 
The person I talked to was surprised to know all of this has been going on since XXXX. 

The source of the dishonesty is the Bank 's Executive Boards. 

XXXX XXXX, Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Executive Boards signed off on their banks dishonesty. 

They all decided to go the dishonest route even after they were informed, if things go the dishonest route the world would know. 

They all decided to use the Courts against me after my warning. 

In XXXX the consequences of their dishonesty & trying to attack me are showing up. 

I warned them I was a nightmare. Not my fault they didn't believe me. 

The XXXX IRS found my ways both brilliant and hilarious. That's why they helped me with my First Amendment expression to the United States itself.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (GA)

EdFinancial is no longer my loan servicer ; my loans were transferred to XXXX when I applied for PSLF. EdFinancial continues to report over {$75000.00} in federal student loans as being open and current, which has created a duplicate loan on my credit report and makes it look as if I own more than I do. That is two consolidation loans that were transferred to XXXX and have since been forgiven. My loans have all been with XXXX for several months, and EdFinancial is still reporting as open and active with them. I disputed the EdFinancial reported loan with the credit bureaus but the response is that EdFinancial verified the information as accurate. It is not. These loans have also already been forgiven under PSLF in early XXXX. Furthermore, I was behind on my loan a few years back and Edfinancial reported each disbursement as a late account, despite it only being one late payment to them. Since taking over those loans, XXXX continues to report the same late payments but they were not the servicer at that time. At any rate, I want EdFinancial to accurately report the status of the loans no longer held by them.