davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc (MI)

I have money in my Venmo account that can not be accessed no matter what steps I take weather on a XXXX or a laptop or desktop. I go to login my Venmo and immediately get a error message ( XXXX XXXX ) and it will not open my Venmo
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (LA)

My Name is XXXX XXXX, Im making this complaint against Convergent Outsourcing INC. for committing identity theft. I have never given Convergent Outsourcing INC any permission to use any of my identifying information to commit mail fraud by contacting me about and alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Convergent Outsourcing Inc can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and Convergent Outsourcing Inc continues its collection efforts, I will file litigation for actual damages caused and Convergent Outsourcing Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the receipt and documents herein and of this Notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Account # - XXXX
Consumer complaint received 2024-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (AL)

XXXX XXXX sold my loan to Freedom Mortgage last year which I dont agree with. They increased my interest rate immediately! I did not form a contract with Freedom Mortgage. They do not apply my payments properly. I pay towards my principal and they break the payment up and then apply it. I recently received an email for payment plus a late fee for XXXX. On XX/XX/XXXX, I paid {$1000.00} and on XX/XX/XXXX, I paid {$600.00}. My payment is {$540.00}.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I need for Equifax to delete the following accounts for inaccuracy because the Date Last Active is Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax has XXXX XXXX, and XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not have this account on my credit report. Equifax has XX/XX/2021, XXXX does not have this account on my credit report. Please delete these accounts and mail me a corrected copy of my credit report.
Consumer complaint received 2023-11-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (AZ)

This company and the cellphone company in question were both included in bankruptcy that I had and I have never had another account with the cellphone company. The debt collection company sent a letter and I responded immediately with a debt validation and never received anything. What they did was put the collection on my credit reports without validating or sending me any of the information that I requested.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/24 I deposited {$500.00} and on XX/XX/24 someone spent it with a fake company called " XXXX XXXX XXXX XXXX XXXX' once I received the notification of the transaction I immediately called chime and they said I couldn't do anything yet because the transaction was still processing. So I goggled " XXXX XXXX XXXX XXXX XXXX' and found out the business doesn't exist because I couldn't find the phone number of said business. Once the transaction processed I filed a dispute it was immediately denied with in 3 days so I called Chime and asked why they didn't give me a reason so I asked for them to send me any paperwork on how they did their investigation I didn't receive anything. I called again and they opened the dispute back up and I submitted a police report and information from my email of notifications of someone logging into my chime account. I've opened XXXX disputes for the same {$500.00} transaction and they keep denying them in as little as XXXX hours up to XXXX days. Their website says their investigations take 10-20 days at the latest and 45-90 days at most. So I'm confused on why out of XXXX disputes they deny mines in 12 hours to XXXX days and never send the information on the investigations I requested. More that 2 chime agents told me they know I didn't make the transaction but they keep denying my dispute. I've asked to speak to the supervisor and I've been hung up on 3 times and still have not been able to speak with a supervisor.
Consumer complaint received 2023-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc (NM)

Harley Davidson Financial Receive calls 3 or 4 x daily 7 days a week, sometimes more. I block the calls but still receive calls. I am behind but this is no reason to call several times per day. I am a XXXX XXXX and it is dangerous to use the phone while XXXX even with a headset. 
I have all the call records if needed
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (NY)

Originally I attended the XXXX  XXXX XXXX in XXXX and XXXX in XXXX. When I XXXX my loans were eventually transferred to Navient. Navient has taken over my loans and throughout the years they were continuously placed in forebarance due to hardship Recently I found out through social media that the XXXX XXXXXXXX XXXX and Also Navient where my loans are currently with are both being sued for misleading students throughout the years and fraud activity and so on. 

My question to Navient which is where my loans are with is why hasnt the XXXX  XXXX XXXX and Navient notified me on the lawsuits and why are they threatening my constantly for years about making payments when they know they are under a lawsuit which they did not inform me of. Also, this has caused me great XXXX and stress throughout the many years because economically I can not afford to make these payments and both the XXXX  XXXX XXXX and Navient both knew they were misleading the students and knew we would never ever be able to fully repay these loans due to their misleading and scheming throughout the years. This is wrong and something needs to be done here because its affecting my credit. And they have refused to remove it from my credit.
Consumer complaint received 2024-04-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

As per complaint # XXXX & # XXXX, InComm has failed to credit the {$66.00}. Instead I received an email ( attached ) stating that they are only willing to credit {$17.00}. Please advise.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synergetic Communication Inc (MD)

There is a debt in collection in my credit report that does not seem to be verified by the collection agency reporting it they also provided me with a fake number that does not go to the collections agency i am so scared that I have been a victim of a scam please help me
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

Right out of college I was paying {$3000.00} a month in student loans and I was able to refinance down to {$580.00} but was able to pay {$880.00} a month so I did that. However, my total is not going down. I can not afford these student loans and it is so frustrating that MOHELA wont answer me. I cant even get into my account now and they havent been able to help me get back in. I was down to {$59000.00} and last time I was able to look I was back at $ XXXX. I dont understand how they can do that. Im struggling to pay all my bills and student loans are killing me.
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to bring to your attention my difficulty in obtaining my TransUnion credit report through XXXX, as mandated by the Fair Credit Reporting Act. Despite my repeated attempts, I have attached a screenshot illustrating the persistent error preventing access. I seek your assistance in swiftly resolving this matter and ensuring my right to a free annual credit report is honored. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Trying to access XXXX  and get an " Access Denied You don't have permission to access " / '' on this server. 
XXXX '' I don't know any other way to get my annual credit reports ; the individual companies usually require me to pay a fee.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i was paid my balance amount at XX/XX/XXXX, after they received my payments and they closed my credit card on next minutes, and i called Bank of America on XX/XX/24 to ask them why do they closed my account, and they advised i got other credit card and i used them too much. by the way, i told them if they closed then closed, just give my rewards back to me since i used this credit card at least 11years, but they said they closed my account and i wont able to get my rewards back, They just want me eat people 's money, they dont want to pay the rewards, they are thinking they can not make any money from you.
Consumer complaint received 2023-12-08
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. (FL)

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.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MA)

XXXX now named Aidvantage has been sent security notices and request for Master Promissory note was not honored. Sent to both XXXX Student Loan Trust XXXX in c/o XXXX XXXXXXXX XXXX XXXXXXXX XXXX and Aidvantage XXXX Student loans are affecting my credit report and they are in violation of FERPA, CFPA XXXX FCRA, and FDCPA in accordance federally protected consumer rights so they need to be removed from all third party credit reporting agencies XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2023-07-11
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. (NJ)

I reached out to TransUnion about the following inquiries on my personal credit report. I told them i dont have any open accounts related to these inquires. They referred my to the CFPB. By law they must be removed. There are the inquires on my TransUnion that must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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. (TX)

since XX/XX/XXXX  ive asked for verification of written consent, ive sent certified mail of a dispute letter that according to 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a ) my rights have been violated.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (AL)

I had an account with XXXX, it was being paid through Affirm. The merchant XXXX canceled the plan because they couldnt help me. Affirm is still calling and harassing me about monies not owed and has threatened me on several occasions that they would damage my credit and that I would no longer be able to use Affirm. I paid last month out of fear of having my credit damaged. I submitted everything they requested.
Consumer complaint received 2024-04-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Equity Sales Finance, Inc. (CA)

I contacted XXXX XXXX XXXX on XX/XX/2024 in an attempt to get help with my tax file. XXXX XXXX XXXX charged me roughly {$4200.00} and referred me to agents of XXXX XXXXXXXX XXXX XXXXEquity Sales Finance Inc for setup of an installment loan for this amount. On XX/XX/2024 I paid {$270.00} and subsequently received a statement of denial from Equity Finance Sales Inc on XX/XX/2024. I was charged {$270.00} again XX/XX/2024. I should not have paid and subsequently be charged for payments on a denied installment.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I tried to cancel a duplicate payment. Agent said it was done. Did not mention the payment would still be attempted three more times. Caused my checking account to go negative and be closed. I asked Amex four times to investigate and they have not and told me to call back to see results but nothing was ever filed. Four attempts to get this corrected and reimburse for their mistake.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.All this accounts was already disputed and updated in XXXX but still are in XXXX and Equifax.
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (SC)

The XXXX ( XXXX ) XXXX XXXX was giving me mechanical issues several times throughout the duration of usage. Causing financial distress and hardship. I am totally XXXX, and could not afford to pay for loan and repairs due to a lemon. The automobile has been in the repair shop since XX/XX/XXXX. Its been out of service several times and I have been having difficulties getting to my Doctors appointments, etc.
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TN)

Account/vehicle paid off on/about XX/XX/2023. 
A copy of sales contract was sent to me stamped " paid in full '' and congratulations to me for the payoff, but no mention of the lien release. This was received with a date of XX/XX/2023. 
I waited patiently for the title to arrive but by mid XXXX I contacted Ally customer service XXXX for assistance. 

Since XXXX, I've contacted AllyXXXX several times requesting my title and/or lien release document to be sent to me.

Of course, each time the agent supposedly documented the request and advise the pay in full office or something to that effect, would have to respond to the request and would mail the item. After the first couple of follow-up calls from me, I was told the title and/or lien document was sent and if I didn't receive it, it was probably lost in the mail system. They would request again and resend.

The last two contacts to the Ally customer serviceXXXX office I was told that the previous request was never responded to by the in office request. As of today, XX/XX/2023, same response of " No response from in office request, but will resend request for title and/or lien release for transmit to me.
Consumer complaint received 2023-12-08
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. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.