davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

The financial services vendor is Venmo. On XX/XX/XXXX I took payment through Venmo of from a private party as a deposit for future lodging services. Venmo notified me of funds received of {$760.00} with the following message : Profile image XXXX XXXX paid you {$760.00} On hold XXXX half of the total rental fees for XX/XX/XXXX to XX/XX/XXXX ( {$1500.00} ) Like Comment See payment Transactional detail Status Pending On hold Youre over the {$940.00} of goods and services payments you can receive before we have to share your tax info with the IRS. 

Quickly provide it now to release the tax hold on this payment and avoid XXXX  % backup withholding if not completed by the backup withholding date specified in the app. 

Until you provide this info, all goods and services payments you receive this tax year will be subject to holds and backup withholding. 

Learn more about taxes and selling on Venmo. 

Date XX/XX/XXXX Transaction ID XXXX <end of message> The Venmo website provides no mechanism to furnish and file their prescribed form ( XXXX ) or disclosures. Venmo makes no attempt to contact the customer to provide a means for either returning funds to the payor or remitting to the customer/payee. I have return email messaged Venmo, as also by them in the above notice prescribed, XXXX times with no response. No live answer is available on their contact telephone number. Venmo now holds {$760.00} of customer funds with no mechanism for retrieval of the funds. 

See attached document.
Consumer complaint received 2024-01-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX using account XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: SYNCHRONY FINANCIAL (FL)

I request to get my credit in favor in my credit card in a form of check for the amount of XXXX $ sent to my address back in XX/XX/year> but I never got it and I tried to called several times to resolve this issue and they bank didnt gave me certain information of the status or the tracking of my check, they also saying that they arent allowed to issue a new one, and they also cant confirm me of the check was deposited by a third person or if was missing, they leaving me in lost for the amount of money previously said
Consumer complaint received 2023-06-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account XXXX XXXX  has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.
Consumer complaint received 2023-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IA)

I called Nelnet about conflicting information I was receiving between The secretary of education, XXXX, and Nelnet. 

Sometime around XX/XX/XXXX I applied for the XXXX debt forgiveness offered by Secretary of Education. In completing the application I used the loan number for the loan I had with Nelnet. 

The balance is about {$10000.00} on this loan. 

A letter dated XX/XX/XXXX was received by me from the secretary of education stating not to make payment until XX/XX/XXXX. 

I talked with a supervisor today at Nelnet and they said that was for another loan with Great Lakes and did not apply to this loan. They also turned me in to the credit bureau for not making payments. 

I have not heard from nor takes to Great Lakes for over 5 years. 

I was not able to explain this to the supervisor because he kept talking over me when I would try to speak. 

He said FASA informed me wrong. 

Because of the way he was talking to me I was able to see he was not going to help resolve my issue.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1year I have been working with XXXX XXXX help assist. I have emailed them. I have tried reaching out to them after I spoke with someone on the phone stating that my account should be updated I have sent the documentation through my XXXX account. The document states that my student loan portion has been forgiven. XXXX has refused to accept and acknowledge my student loans forgiveness portion and its still reporting a high balance that Im no longer responsible for.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL (NJ)

I received noticed for court as well as non negotiable totals when there was a settlement previously made for way less. During Covid I could not afford it but once I was then able to and willing to start making payments they decided to sell it off to someone else who now refuses to take anything less when the previous amount was about {$1500.00} less than what they are willing to take. I have requested numerous times to negotiate they refuse to, I have also sent a 609 letter because the original debt is not only from a different creditor but also very old. It was not proven it was owed to this new creditor which is why it was then removed from my report but now it shows up again and shows the original creditor and their collection agency but does not show the new attorney agency on their or their refusal to work with me. Again this is ridiculous and a rip off as I tried and tried during Covid but refused to work with me at all and now have made it worse. Started as XXXX XXXX, then XXXX XXXX, now Andreu Palma Lavin & Solis PLLC.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have reached out to Transunion and XXXX several times and i have yet to receive a response of any kind. I have 2 credit cards that are not showing on Transunion and XXXX. XXXX is also showing an erroneous payment history showing several late payments that are not on the other CRA 's for one of my listed cc ending in XXXX. I have been informed since XXXX has not responded that I am owed {$1000.00} in compensation. Please tell me how i can go about collecting that amount. The lack of information being reported by the CCRA 's is falsely suppressing my credit score and is causing me financial harm. I need this fixed immediately. Thank you.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have no knowledge of this account, CAPITAL ONE, ACCT # XXXX, but it is being reported on my credit report. It has leads been DELETED, yet is still showing up on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2024-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My mortgage statement erroneously reflects a deferred balance of {$13000.00} after a mortgage reinstatement of {$42000.00} was paid in full. This amount was good through XXXXXXXX XXXX. My current mortgage servicer is not providing me a complete history of the loan, despite several requests. My current mortgage servicer or predecessor failed to provide an accurate reinstatement figure which my attorney requested on XX/XX/2011. The servicer failed to provide me any written agreement in which I agreed to defer any balance since timely reinstating the loan. 

An amount of {$13000.00} was deferred to the end of my maturity date in one lump sum as stated by Select Portfolio Servicing ( SPS ), per the previous servicer XXXX XXXX XXXX ( XXXX ). In SPS response letters I have gotten no explanations or proof of this amount being actually owed other than SPS claiming the deferred balance is a separate amount owed from an interest bearing balance. Many other assumptions were given to me via phone calls by multiple representatives. Through Appeal letters, Qualified Written Request, Error Resolution Notice and other communications my servicer continues to deprive me of the information requested. Copies of mortgage reinstatement letter provided by XXXX XXXX, letter of apology from XXXX regarding conflicting information and Motions to Compel Compliance with settlement and Motion for Sanctions were submitted to SPS for review.
Consumer complaint received 2024-01-15
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. (TX)

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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (NY)

Someone stole my personal information and opened Banana republic factory There were purchases made under those XXXX XXXX of almost XXXX dollars. I have been receiving mails from debt collectors asking me to pay that amount that I have no idea where it comes from
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc. (CA)

On or around XX/XX/XXXX, I received a notice from AWA Collections stating that I owed {$560.00}. I checked the boxes in the notice stating that it was not my debt and asked that they provide proof with the name and address of the original creditor- I never received any information or follow up. 

Suddenly XXXX full year later from XXXX, on XX/XX/XXXX I received a letter from XXXX asking that I provide proof of having insurance with another XXXX prior to XX/XX/XXXX. It stated that without proof, 'no credit would be given and the balance would be owed '. The balance at the top of this letter was : {$560.00}. 

I immediately provided proof to XXXX XXXX insurance as documented via email threads that I was in fact covered by another insurance provider elsewhere prior to XX/XX/XXXX, prior to the cancellation of my former policy. I scanned and sent over the ID cards and insurance declaration to XXXX Agent on XX/XX/XXXX. 

On XX/XX/XXXX I received a notice from XXXX XXXX that I had a derogatory mark on my credit report. I emailed XXXX again saying : " I provided all proper documentation to you and XXXX per the letter that XXXX has sent me proving that I had in fact secured insurance via another party prior to XX/XX/XXXX per the letter from XXXX  ''. I did not receive a reply to my email. 

I have noticed a derogatory mark on my credit report and that you have sent me to collections. I will be taking legal action against XXXX, reporting you to the XXXX  and making a formal complaint against you specifically based on the above. 

I followed up with XXXX on XX/XX/XXXX and XX/XX/XXXX, and again did not receive a reply. On XX/XX/XXXX, I sent a personal letter to AWA asking that they validate the debt, and again have not received any information from them to date. 

AWA has continued to harass me by calling me, and texting me, despite me asking that they stop contacting me.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AR)

National Credit Systems has a collection on my account that has been verified with fraudulent paperwork from the original creditor XXXX XXXX. XXXX XXXX the property manager filed a eviction based off false information. The matter was resolved in court with me having to move because the property manager told the judge she didnt want to address the money she claimed was owed because she knew it wasnt correct the reason I responded to the lawsuit. The balance owed is based off fraudulent paperwork that XXXX XXXX submitted to the collection agency.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (MS)

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. 

Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX has violated my rights.

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.
Consumer complaint received 2023-05-18
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. (NV)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I went to the FTC to file this complaint since the cfpb has not been able to assist a resolution. The FTC website directed me back to the cfpb. So here I am again. My issue has not been resolved. 

I have contacted Portfolio and all three credit reporting agencies on multiple occasions regarding the incorrect information on my credit reports. I have contacted them directly in writing and via the Consumer Financial Protection Bureau ( CFPB ) complaint portal. 

It should not be this difficult or time consuming for me to assert my rights under federal law. 

Portfolio has never contacted me directly. I have never received information from them. They failed to validate/ verify within the timelines provided by the FDCPA yet continue to assert a claim over me via the credit reporting agencies. This is illegal. By law, Portfolio must stop all collection attempts, including reporting to agencies. 

So far, the credit agencies have changed information regarding this account - supposedly due to Portfolio contacting them. Portfolio went from being an active original creditor ( with no account number ), to being an active collection account, to being a closed collection account. 

Which is it? And where is the proof? And why hasn't Portfolio ever actually contacted me with said proof? All of this is illegal. 

I am and have been disputing this incorrect information since I first saw it in XX/XX/year>.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcct # XXXX I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On ( XXXX XXXX Account ) XXXX XXXX XXXX- XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX ( XXXX XXXX XXXXXXXX Acct XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XX/XX/150 ) ) you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to 69 a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the late payment transactions deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )
Consumer complaint received 2024-01-14
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. (MN)

In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX account number XXXX, has violated my rights. 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 instruction