davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (NC)

I have called the agencies like NetSpend and go to bank and the XXXX banking and they all tell me that they don't have me on file but I know I've had open bank accounts like my money was transferred or something cuz there's two accounts closed with NetSpend but they would not tell me any information I don't understand because someone stole my identity and it has been difficult ever since to keep my money and everything safe I set up direct deposit but it seems like someone has changed my information again I just got a NetSpend card in the mail and I don't know why please help me thank you
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

Nelnet reached out about my consolidation request to say I needed to add another loan to be eligible. I sent the information by email and heard back within a day, with terms I am unwilling to accept. I have tried calling Neltnet several times. Their holds are excessive, and the phone system says estimated hold time is minutes without giving a number of minutes. I have tried to chat and cant get a human. I also sent them an email declining the terms, but their request states I must call them or they will proceed. How can I call if they refuse to answer? I want to be certain this consolidation is stopped, as I have attempted to get in contact many ways. I refuse a higher interest rate and want to keep things as is.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MT)

I have been trying to get my address corrected on my Experian credit report since XX/XX/2023. Experian as of XX/XX/2023 has not put my correct address on my credit report. 
I have been given 16 different dispute case numbers- 3 of which pertained not to my address but my name or social security number. I have been on the phone for hours with their dispute department and told numerous times that my address was fixed. It has not been. I have downloaded and sent by registered mail copies of my drivers license, social security card, bank statement, cable bill, renters insurance policy, and proof of health insurance from the state of Montana. All of these had my correct address. 
Experian has stated that they have received these documents and that they needed nothing further to fix the problem. They have not fixed the problem. I filed a complaint with you- # XXXX but the problem remains. I was sent a hard copy of my credit report from Experian which I received on XX/XX/2023 which had an incorrect address and which was different from the address listed on my online report. I am asking you to contact Experian again to please try and finally fix this problem. 
Thank you.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (OR)

My complaint is with Synchrony Bank. I have been harassed by early morning calls and calls 7 days a week including at XXXX XXXX today. It's well more than 7 calls in a 7 day period. I have blocked the number at this point to try to stop the harassment but I still get woken up frequently by the voicemail notifications. I was called literally every day from XX/XX/XXXX until XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, etc. They have been doing this for at least 3 years. 

XX/XX/XXXX : XXXXXXXX XXXX 
XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXXXXXX XXXX I can provide a LOT more including other violations of the 7 calls in 7 days rule.
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

My problems started when I responded to a house located at XXXX XXXX XXXX, that I am interested in purchasing. It was listed by XXXX XXXX in XXXX, Ohio. He told me to contact XXXX XXXX XXXX - XXXX XXXX XXXX I received an email from her that XXXX XXXX had forwarded my info to her- who in turn recommended that I complete an online application at XXXX, to pre-qualify. I did this late Tuesday night XXXX, XXXX, XXXX.In this application, I was asked about where I bank- I put in Chase Bank ; but no account numbers were included. Immediately, afterwards, I received an email from her that she would be in touch with me to go over my application. On Friday Morning at XXXX XXXX. I started receiving text messages from XXXX, and from XXXX ; and XXXX that there were issues with my Chase Bank Accounts. 
Someone was trying to gain access and was trying to reset my passwords. I went into the online application to reset my passwords. The very next thing that happened was I started getting messages from XXXX XXXX that there was a {$180.00} transaction at XXXX XXXX XXXX, and wanted to know if it was me. I tried to respond by texting No but I continued to get- transmission failed. 
I contacted XXXX XXXX Support but they were closed. Their message to me was that there had been several attempts to access the account, and to try back in 24hrs. 
Please note : This XXXX XXXX is connected to one of the the very bank accounts in question.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Vance & Huffman LLC Name : XXXX XXXX Account Number : XXXX Collection Agency : Vance & Huffman LLC Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. 

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 


I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (FL)

These accounts in my report are hurting me because they are fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CO)

I signed the original contract on XX/XX/2023 for my vehicle and in XXXX the Finance Manager called me and said that I was overcharged for the loan and that they were sending a driver to bring me the new contract to sign. The driver came and I signed the new contract. I texted the Finance Manager to get a copy of the contract and I have never received it. Even after the contract was signed, my credit continued to be hit which affected my credit score. I made my first payment which was due on XX/XX/2023 on-time. On XX/XX/2023, I lost my job. On XX/XX/2023, I contacted Ally Bank to see about changing my due date from the XXXX of the month to the XXXX of the month and the representative advised me that I was able to change the due date. At the time, the balance reflected $ XXXX being owed. On XX/XX/2023, I received an alert from XXXX XXXX that {$240.00} was added to my loan. On XX/XX/2023, I called Ally Bank and spoke to a representative and a Lead. They both said that no changes were added to my account, but now the loan is showing $ XXXX. I then contacted XXXX XXXX Finance Manager and they are denying adding the additional amount to my credit report. I even sent a screenshot with the notification and both entities are denying that they did this.
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For over a year I have been having problems with my Transunion with retrieving my credit report or filing any dispute on the Transunion direct website. I keep receiving the same error, and when I try to speak to someone, they will either hang up or transfer me to another department that keeps saying it's a temporary issue. Still, I have had this temporary issue for over a year. The only way I can view my credit report will be by requesting all three reports from XXXX.
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DIME COMMUNITY BANCSHARES, INC. (NY)

On XX/XX/XXXX I sent a wire transfer from Dime Bank to XXXX for XXXX. A week later I was informed by the company who was to receive it that they never got it. I contacted my bank and let them know. A few days later they said XXXX had requested the correct account number which was off by a digit when sent. I provided the correct account number and thought all was fine. XXXX again asked for the account number and it was again provided. Still my supplier never received the money. I was then informedly my bank XXXX was returning the money to me and I would have the money back in my account. That never happened. In XXXX I was informed by the branch manager that the bank attorneys were involved and they were going to handle this. I learned on Friday from the regional manager no bank attorneys are involved and that basically there was nothing else they could do. He told me I verbally provided the incorrect account number which was a lie. I provided a printout which had all the correct information on it. Myself and the Clerk signed it, as well as the branch manager who later approved it and sent off. I have been mislead from the start as to what was happening. I have been more than patient and would like them either hire the bank attorneys that they said were working on this and refund my money. After banking with them for 32 years I expect more.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

These accounts have been reported late when it has never been late and the accounts are all closed. These are also closed accounts thag have all been settled. This incorrect information it is affecting my XXXX XXXX. This INCORRECT late payment, and account information needs to be removed immediately per the XXXX reporting laws stating correct reporting is mandatory. These are the incorrectly reported accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed within 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I do not believe the current status of the card to be correct, on XX/XX/XXXX I submitted a request for a detailed account record and as of today XX/XX/XXXX I have received no response from the card issuer. Per the FCRA I am due fair, true, and accurate reporting of any credit lines, and am due to have this verified and back to me within 30 days of my formal request. This is in violation of my rights as a consumer and needs to be addressed. There is also a credit reporting mismatch as the account was reported to XXXX, and Equifax but never to XXXX. Per the FCRA any and all accounts must be reported accurately across the three credit bureaus, as it stands this account never was per its update in XXXX. Also per the Fcra the bureaus can be held to civil penalties for non-compliance.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (GA)

Apparently my loan was sold to Truist 5-6 months ago. I don't know when because I was never notified. My auto debit mortgage payment that was on autopay for the last 7 years was automatically cancelled. 

They have placed my home in foreclosure! Never got a call, never got a mail, never got anything from anyone. Truist says they can not give me a payment amount, they refer to me to attorney, the attorney refers me back to them. I do not want my house foreclosed over this error. 

ALL I WANT IS TO GET MY ACCOUNT CURRENT AND RECTIFY THIS ISSUE PLEASE CONTACT ME XXXX
Consumer complaint received 2023-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following accounts below are in questioned : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity I disputed with the collection agency and they said they don't have record of this account XXXX XXXX  with account number XXXX 3 different dates listed under " date of last activity '' Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 
The collection agency didnt send me anything to verify this account, so how did you verify it? 
Wheres the documentation? Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediately. 
I need to see all paperwork associated with this account. 

XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Each bureau reports a different date of last activity Please send me all business and transaction documents to prove that this account was legally verified How can this still report on my credit when I notified you that it was paid and they said theyd remove it? 
Unverified and illegal reporting, remove immediately My consumer rights, as outlined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), explicitly state that transactions between me and the reporting entity should not be reflected in my consumer reports. Strangely, XXXX, XXXX and Transunion seems to have overlooked this provision and is reporting information that should be excluded. This oversight amounts to a blatant violation of Metro2 compliance. I request immediate access to the Metro2 compliance disclosure pertaining to the reporting of transactions to consumer reporting agencies. 

I am not interested in validations or verificationslet 's clear that up right away. My concern lies in the erroneous reporting of transactions, such as late payments, collection/charge-off status, and other derogatory details, which need to be expunged from my consumer reports without delay. 

Adding to the complexity, some negative accounts have been categorized as Collection/Charge-Off Status without the courtesy of receiving IRS form 1099-C Cancellation of Debt. This is not only irregular but also a violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. 

Should this derogatory account information persist on my consumer reports beyond the next 30 days, I will be left with no choice but to submit an official filing with the Internal Revenue Service. My action will involve IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview against all entities involved. I trust you understand the urgency and gravity of rectifying this matter promptly.
Consumer complaint received 2023-02-24
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. (NJ)

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. 


DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/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 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KY)

It required a previous CFPB complaint to get Aidvantages attention to assist me in enrolling my loans into auto pay. Now, although my loans claim they are in auto pay, payments are not being made when my account claims it will do so. I am worried about making a manual payment since I dont know if the auto payment will be made or not. In my last CFPB complaint, I noted that calling Aidvantage would always leave you with a voicemail inbox that couldnt accept messages and it would hang up on you. I have now been on wait for more than an hour today spanning two different calls to Aidvantage. They did not fix the voicemail inbox issue, they just removed the voicemail inbox all together. Now you are just on hold with no indication of ever actually speaking to anyone. I just want to pay my loan and trust that the information provided to me by Aidvantage is accurate. Aidvantage is not permitting me to achieve either of these goals.
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation was imposed in error and wish to appeal this decision. 

First and foremost, I would like to emphasize that I have always strived to adhere to PayPal 's policies and guidelines diligently. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I value the trust and reputation of PayPal and have consistently used the platform responsibly. 

Given the gravity of this situation, I kindly request that PayPal re-investigate my case thoroughly. I am hopeful that a closer examination will reveal the absence of any policy violations on my part. It is my sincere desire to resolve any misunderstandings or issues that may have led to this unfortunate limitation. 

I understand that PayPal must maintain a secure and trustworthy platform for all users. However, I firmly believe that my account has been unjustly affected, and I request a fair and impartial review. 

In conclusion, I respectfully appeal to PayPal to reconsider the permanent limitation placed on my account. I am committed to cooperating fully with any investigation or verification process that may be required to restore my account to its rightful status. 

Thank you for your attention to this matter. I look forward to a fair resolution that allows me to continue using PayPal for my financial transactions. 

Sincerely, XXXX XXXX