davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 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 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 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 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 2017-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WA)

I have had a private loan w ith Navient  since approx.  XXXX  and in the time that I have had this loan, I have attempted at least a dozen times if not more to get them to refinance the loan from the current interest of 11.00 % to something less, and have been told they can not refinance or change my loan since they do n't offer the loan type anymore. I have attempted several times after making the necessa ry 12-24  months of on time full payments to have the co signer removed, to which I was told everything from its a simple phone call in to its paperwork, credit check, and we do n't guarantee we will do it. I have asked them on several occasions if there were other options available to me on the account, and they have told me that I had to pay the amount on the account every month without fail. I was paying over {$250.00} a month, and less than 50 % of that went onto the balance each month, with interest paid on the loan at almost $ 1200 yearly. I was going to end up paying approximately 4 times what I owed on my loan over the life of the loan.     In  XXXX  of  XXXX  I called into navient and had them remove my cell phone number as I was receiving  2-3 calls an hour almost every hour every single day. I had  blocked about  XXXX  numbers at this point and instructed them to remove mine and my co-signers numbers. I received a letter on  XXXX  for " litigation '' and it was dated  XXXX  with a printed signature from their " VP ''. I checked the date on the  XXXX   tracking,  and it was sent to me on  XXXX  and only gave me from the time I received  it 48  hours to try to correct the issue. They have since continued to post things to my account.     As of yesterday  XXXX   Navient had  no official way to contact me. As of this morning  XXXX , my wife received a robo call from  Navient. I have never given Navient  this information, and this is a  private cell phone.
Consumer complaint received 2023-11-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery Associates was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, Portfolio Recovery Associates has not rebutted the affidavit nor have Portfolio Recovery Associates sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with Portfolio Recovery prior to seeking default judgement, pursuant to Rule 55. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of Portfolio Recovery Associates violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.
Consumer complaint received 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2018-05-17
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: EQUIFAX, INC. (CA)

I have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (GA)

I am a banking member of TD Bank with a Checking and Savings account. There were unauthorized charges to my checking account via the debit card and as a direct result of my card being lost and then used without my permission or knowledge. I submitted several disputes as it pertains to TD Banks ZERO Fraud liability for customers and after submitting several disputes and having them denied for reason that were not related to me and reasons that are completely out of my control. The reasons TD Bank cited was 1. The fraudsters didnt try or attempt to access or login into my online bank account. 
2. The fraudsters didnt attempt or try to swipe the debit after all of the funds were withdrawn via unauthorized means.

3. There was NO attempt made via debit card in other countries.

4. I accessed my online banking mobile app after I submitted a dispute. 

I have not only had all of my funds used unauthorized and now after several disputes to the same charges, TD Bank has completely refused to temporarily credit my account while the investigation is underway and completely giving me the runaround as it relates to the dispute. I have filed a police report for this manner and still no to avail, TD Bank is citing and denying my dispute because I or nobody can depict and/or guess the path of a scam artist and fraudsters. Which are reasons that are completely out of my control. I feel that I have been racially profiled and discriminated against.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, 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)

I have contact   XXXX   on several occassions in regards to inquiries on my credit file that I did not authorize. I am told that I have to contact the companies directly to inquire about the inquiries. I have multiple duplicate inquiries some from the same com pany withing days of one another. Some of the inquires really dont make any sense, for example.. there is an inquiry from   XXXX   XXXX   XXXX   this is a company that leases equipment to businesses. I am not  a business owner why would I apply for credit to get business equipment. Another one is from  XXXX   XXXX , tried calling this company and it never puts me through to a person and then the line hangs up, cant even leave a voicemail. I spoke with   XXXX   and told them that tthis   XXXX   XXXX  l is showing an inquire for  XXXX  and then again for  XXXX . I have several inquiries on my report that are withing days or not even a month apart. I did not authorize any of the inquiries I called them about and yet no one will even go down the list with me to even look at the inquires so that they can atleast see what my concerns are. I did not apply for any loans or credit cards from any of the companies listed in my inquiries. my ch  XXXX  bankruptcy discharged in  XXXX   XXXX  any inquiries listed before  XXXX  were not authorized by me. Why would I app ly for credit one day and then apply to the same company the next day? something is not right with the inquiries on my credit f ile
Consumer complaint received 2024-06-23
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 (VT)

The issue that I am having is with Venmo. 
I had an issue with an old account because I accidentally used it for a small fundraiser because people didn't have cash. I didn't know that wasn't allowed, I apologized and closed that account. 

I then opened another account and everything has been fine for 2 years. A few weeks ago, I couldn't remember the e-mail associated with my current account, so I reached out to Venmo for help. 
I then receive an e-mail stating that my account was been permanently deactivated! 

I e-mailed back and said if my account is being permanently deactivated, then I want the balance that was in my Venmo account put back into my XXXX XXXX account. 

I followed every request that they asked ( send a photo of my drivers license and a photo of me holding my drivers license ) Venmo has refused to give me my information so I can access my money, and told me that I will need to wait 8 weeks for a check to be mailed to me. 

I really need help getting my money back and I am truly hurt at the way Venmo has treated me as a customer.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had two college savers accounts for around a decade, that suppose to result in XXXX $ bonus when my kids finish high school. Recently rates went up for investment accounts and I had no interest on these two college saver accounts for a decade, $ collecting dust. So I inquired customer service over the phone about minimum balance to carry to do not loose the bonus. The response was - no minimum balance, just continue deposits requirement. I moved most money to CDs. Bank sent me letter that they converting my college savers to one deposit savings accounts as a result. I tried to fight that, but was told there were electronic notifications about conversion. I didnt find any notices. And no one is helping to resolve and restore my college savers account as this product is outdated. I m furious about keeping tens of thousands without any interest in this cheater bank for decadeWhen you ask about CD rules like early withdrawal penalty- they dont know what it is. So play this game at your own risk and face consequences, because they dont know their own policies and have no accountability for their misinformation to clients.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCS, Inc (IA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since  XXXX . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a  XXXX    XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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 lateforanypurpose
Consumer complaint received 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (NY)

My concern pertains to the account in question, which is erroneously listed as a late payment account. Upon noticing inaccuracies in my report, I demand the immediate removal of the negative payment status associated with this account from my credit report. SHELLPOINT MORTGAGE XXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC (CA)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : SPECIALIZED LOAN SERVI XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Consumer complaint received 2023-11-20
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-06-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Ava Finance, Inc (NY)

I have an account with Ava finance to help build credit. I have been making payments for the last 6 or 7 months with no errors. With Ava finance, the app has to access your account through the company called plaid in order to connect and make payments. If the your account balance is low, they will not take a payment. Ive tried several different ways to access this account even using different accounts that have funds to make money Payments, but Im unable to access the account for last two months and even still to this day. so no payment has been made and I still can not correct this. I have contacted Ava multiple times through both of my emails XXXX and XXXX and even been calling their phone line ( XXXX ) XXXX. Numerous times. An automatic reply comes back, tells me troubleshooting ideas. Delete the app reinstall try it again. It also asked you to send your drivers license so they can verify you. I did all of that. Still, I can not enter the account to make a payment. Ive called them no one answers. Someone replied back to one of my emails that the company reported the correct info to the credit reporting agency. Totaling ignoring the fact why the payment can not be made and didnt even address my concerns. The reporting agency dropped my credit score by XXXX points cause of this. They listened to the info from the Finance company but nothing is fixed and has not been addressed properly so I can fix this account. I want to fix this account and restore my credit to back to where it was without all this damage made.
Consumer complaint received 2023-09-11
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. (GA)

NONE OF THESE INQUIRIES ARE MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ACCOUNTS ARE MINE XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2023-11-20
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (CA)

Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within thirty ( 30 ) days. Dept Of Ed/Nelnet XXXX, Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX
Consumer complaint received 2023-11-20
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. (TX)

Disputed Credit Accounts on my Credit Reports to the Credit Bureaus. Seemed funny that the Credit Bureaus completed the dispute process in less than 30 days.

I ask for these credit accounts to be deleted from my credit file.