davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRIAD FINANCIAL SERVICES, INC. (MI)

This account was paid in full by the previous owners XXXX XXXX XXXX by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the XXXX days late to be removed from my co borrower and my credit report immediately. We never been 30 days or more late why would we be 30 days late at pay off time? I lost XXXX on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that XXXX XXXXXXXX remove the 30 days late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this XXXX late on my credit report stops me for doing anything with this blemish from XXXX XXXX. I cant see how they were able to put a 30 days late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed now we see 30 days late on our credit reports.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year> Please remove it from my credit report. XXXX XXXX XXXX  Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account Number : Please correct/update this inaccurate information on my credit report. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX  TRAFFICKING. Please correct/update this inaccurate information on my credit report. XXXX XXXXAccount Number XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! Please correct/update this inaccurate information on my credit reportXXXX XXXX XXXX Account Number : XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

XXXX XXXX XXXX XXXX willl not update Chex Systems as to my account having a paid status. The account has been incorrectly reporting on my chexsystems report for almost 1 year.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (MD)

In 2016, I obtained a loan from Lendmark Financial for {$8300.00}. Despite making numerous payments totaling {$23000.00}, my balance remains at XXXX due to some payments being late. As a single mother working as a waitress, I have faced financial challenges, including losing one of my jobs due to inflation. I have continued to make payments out of concern for my credit score, but Lendmark Financial has reported my account as deliquent and their daily calls to my workplace have become harassing. I believe Lendmark Financials practices are unethical and unfairly target vulnerable individuals like myself. I am seeking assistance in resolving this issue and ensuring that companies like Lendmark Financial are held accountable for their actions!
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United PanAm Financial Corp. (FL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated The inaccuracies are highly injuries to my credit score UNITED AUTO CREDIT, in accordance with the fair credit reporting Act, public law 91-506, title VI, section 611, subsection A D please provide the name and business addresses of each individual with whow you verified the above, so that I may follow up, please send an updated copy of my credit report after your reinvestigation
Consumer complaint received 2024-06-26
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. (MI)

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Have submitted what was required five ( 5 ) times since XX/XX/year>, spoke to Citi bank representative and each time was given no results and told to submit request. When I explained already did that was told no record exist. The account belongs to my sister who passed away in XX/XX/year>, I am the sole heir.
Consumer complaint received 2024-06-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (FL)

These entries are incorrect and are having a negative impact on my credit score. I am requesting that these items be investigated and removed from my credit report. Enclosed are copies of relevant documents that support my claim, including [ list any documents such as payment records, correspondence, etc. ] .I understand that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days of receipt. Please provide written confirmation of your receipt of this letter and keep me informed of your investigations progress and outcome. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year>1988 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (MO)

I had a XXXX XXXX for a XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX Missouri. I was informed that XXXX XXXX turned my medical debt over which I was paying them {$100.00} a month and they turned it over to a company called CACI. CACI contacted me via phone And asked me what payment I wanted to make on the loan since XXXX XXXX had sent it over to them. I informed them I was paying {$100.00} a month on a {$7900.00} debt which is now XXXX. I then made payments on time every month and I never missed a payment and I was always on time as it was agreed-upon by CACI to automatically withdraw from my bank account. CACI agreed to {$100.00} a month and I paid every month consistently. I made a report to the XXXX because I found on my credit report that they had put a non-collect a debt even though I was making payments on time. My credit report dropped XXXX points, CACI responded to the XXXX  and stated yes Ive made my payments on time consistently every month but until they get the debt paid in full, that will be remaining on my credit report and they will not take it off until it is paid in full. They never communicated to me. They never asked me if I could make a higher payment. They never called. They never sent any written messages. I want this removed from my credit report immediately because I have made payments on time to the agreed-upon amount by CACI. This is a XXXXXXXX XXXX and this is a strong arm tactic and they never notified me. They never gave me any information about the bill even though I requested it and I requested it again on the XXXX Please assist!!!
Consumer complaint received 2023-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX  my phone got stolen, and all my Chase bank accounts on the phone got compromisXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXunts. 
The next day I bought a new XXXX and restored the data, but I couldn't access my chase bank accounts because it was blocked. 
2 days after, I had to go personally go to Chase branch and close all the accounts, and we opened new ones, and I realized that XXXX unauthorized transactions were done on XX/XX/XXXX. I filed a dispute with the bank on all XXXX unauthorized transactions, they approved XXXX transactions, and the third one was a XXXX transfer for XXXX, were denied. 
They stated that this transaction was authorized and it was used from the same device and they asked for police report. 
I provided a police report and I explained that my XXXX XXXX XXXX  was stolen and the transaction was used from my old phone. 
I replaced my phone the next day and bought XXXX XXXX and I had to restore all the data on it, using the same number but a different device. 
I kept escalating the claim and trying to explain what happened more than 4 or 5 times, and they kept denying the claim for the same reason. I don't think anyone in the claim department at Chase took a deeper look into this claim, they approved the other 2 claims but they keep denying it without explanation. 
It's most of the money I had with the bank, and it was a fraudulent transaction transferred to an account that is totally unknown to me, they didn't provide me who are the people that the money are transferred to, they should have the information on the account, and I've been struggling with this {$5000.00} loss for the last few months, and they keep refusing to give me my money back. 
I have more information and all the evidence to my statement if needed.
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I never lived at this location. This location my be for my ex spouse. I reached out to FAIR COLLECTIONS & OUTSOURCING several times to state to them that this is not my account. I contacted them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently on my XXXX report it is still showing on my report. This is affecting my ability to obtain new lines of credit and life and need to be taken off. 

Collection Agency : FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

I am writing to submit a XXXX XXXX to Repayment application regarding the federal student loans I obtained to finance my education at the XXXX XXXX, a subsidiary of the now-defunct XXXX XXXX XXXX XXXX XXXX I enrolled at the XXXX XXXX in XXXX  with the expectation that I would receive a quality education and that the programs offered would lead to meaningful employment opportunities upon graduation. However, my experience at the XXXX XXXX was marred by deceptive practices that misled me and other students about the true value of the education we were receiving. The XXXX XXXX engaged in deceptive practices, including but not limited to : Inflating Job Placement Rates : The XXXX XXXX misrepresented its job placement rates, leading students to believe that a higher percentage of graduates secured employment in their field of study than was actually the case. These inflated statistics were a significant factor in my decision to enroll in the program. Misrepresenting XXXX XXXX : The XXXX XXXX misrepresented the value of its programs by exaggerating the skills and knowledge students would acquire and the earning potential upon graduation. These misrepresentations induced me to take on significant student loan debt to finance my education. In my final year, they advised they had a new loan product, the signature private student loan ( formerly through XXXX XXXX ) which would allow me to complete the remainder of my classes and graduate on time based on their initial trajectory. As a result of the XXXX XXXX 's deceptive practices, I have incurred substantial financial hardship, and the education I received has not provided the promised benefits. I am now struggling to repay my student loans while not even being able to land a job in my field of study that could even support the payback amounts. I along with over XXXX other students have been defrauded by this institution that is no longer in existence and will not accept anything less than a full refund for the amount of these loans. I was just recently denied by Navient for my XXXX private loans get clarification from Navient with a vague blanket response that appeared was sent to hundreds if not thousands of applicants as to EXACTLY WHY we were denied this discharge.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (CA)

I initiated a transfer from Apple Savings ( Goldman Sachs ) to my XXXX Checking account. I have made these mobile transfers between these accounts prior with no issues. I initated a tranfer from Apple to XXXX on XX/XX/2024. I was traveling and noticed the transfer did not take place. I called XXXX multiple times and they have no record of the transfer. 
Apple ( Goldan Sachs ) has been terrible. I filed a writen dispute with them on XX/XX/2024. I called back on XXXX XX/XX/2024 and they were still investigating. I asked to have it escalated. On XX/XX/2024 I received an email from Apple to call them. I called them, was transferred three times and the last person, inciated someone would call me back in 1-5 days. I am now at 19 days and my {$5000.00} transfer has not posted to my XXXX account and Apple insists that the transfer was successful.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (AZ)

Upon applying for the Concora Destiny credit card I was charged {$250.00} for the annual fee.

I was completely unaware of this charge.

I immediately closed the account. I did not activate the card.
Consumer complaint received 2024-06-21
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Block, Inc. (DC)

On XX/XX/XXXX, I made an online purchase on the XXXX website and chose AfterPay as my payment method. Upon going through this automated process, the AfterPay app approved the purchase and immediately withdrew the first of 4 installments from my checking account ending in XXXX. The total purchase amount for the prefab countertop was {$130.00}. However, the AfterPay app timed out before it connected back to the XXXX system to show a successful transaction and to give me an order number. Nonetheless, I rented a truck and went to XXXX to pick up the countertop. To my surprise, XXXX did not have a record of the transaction. I spent the next 3 days going back to XXXX speaking with XXXX after XXXX. The Managers could see the transaction attempt but no approval. On XX/XX/XXXX I spent 5 hours working with the Store Manager and their back office customer service. AfterPay ( who only communicates via text in the app had requested a written statement from XXXX saying that they have no record of an approved transaction for this item which I provided via the app to AfterPay.

So, AfterPay launched their own investigation with XXXX which yielded the same results. Even though AfterPay was formally made aware that XXXX has no record of an approved transaction and that I never received the merchandise. AfterPay has continued to deduct money from my account and have requested further payment while refusing to refund me the money that I already paid so that I could re-purchase this item before the product runs out.

I have made several requests for a refund and even explained to them that I would re-order the item through them so that they don't lose the business. I have a contractor waiting to install the countertop that is stuck in dispute.

Yet, AfterPay has refused to refund me indicating that the matter is still under review and that they are trying to determine where the payment went.

However, I informed them that I am not responsible for a faulty software system or transaction. I made a loan agreement to purchase a product in 4 installments - once they were made aware that I did not receive the product and that XXXX had no record of this transaction, I should have received a refund. I as the consumer can not be held accountable for system glitches, errors or failures and I can not be required to pay for merchandise that I never received.

Please help me to resolve this matter. I have been fighting with them for more than 20 days and we have gotten nowhere.

Thanks in advance for your assistance. 

Kindest regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (CT)

on XX/XX/year> I was contacted by a loan broker via phone in regards to a line of credit for my company. on XX/XX/XXXX the agent for the loan company reached out with the details of the loan and the process to secure the program. An up front fee of 5 % ( {$30000.00} ) of the XXXX value was required to gain access to the funding portal via XXXX XXXX. money was transferred via wire from our bank M & T Bank on XX/XX/year>. Portal access was never provided, deposit funds were gone within 24 hours of outbound wire. 
XXXX XXXX was vetted by myself to the best possible capacity including review of loan contracts, and signatures of officers listed on the documents. Officers/CEO was vetted, no reason to expect issues. all falsified in the scam process. 
M & T Bank failed to have a vetting/red flag process in place to verify legitimacy of the receiver and had no protocols in place to double check validity other than the request to confirm that this transfer was confirmed with the receiver by either voice or written/email correspondence.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 ) 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.