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. (MI)

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 XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

I have had an account with Venmo for over 2 years. I was using the funds I had available to use in my account. The funds were from a check I cashed from a donation from the vfw. I went to a few different stores the next 2 days where I never spent over {$150.00} and that was for groceries. Later that night I added my new debit card linked to the same bank I have used so I could transfer the remaining balance into my bank account. That is when I learned that my account was suspended. I submitted my ID as requested by Venmo and then reached out to customer service where they said they created a ticket and escalated my issue. It has now been 4 days and I have no resolution, no idea why my account was suspended and I dont have any money to my name. I am not able to work due to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and rely on what little money we can get.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is a complaint bout TRANSUNION which has improperly reported that I hadtwo serious delinquencies on my record regarding a matter with XXXX XXXX. XXXX XXXX. This is not true and concerns. A Prior complaint I. Had field against XXXX Regarding oNE account wherein it refused to process my GAP INURANCE COVERAGE claim. THat matter- XXXX- resulted in Tyoata agreeing to accept my GAP INSURANCE AND TO CORRECT THE RECORD TO STATE I HAD NEVER BEEN DELINQUENT ON THAT ACCOUNT. 

NOW, TRANSUNION IS ASSERTING THAT I HAD TWO DELINQUENCIES WITH XXXX AND HAS REFUSED TO ACCEPT MY EFFORT TO DISPUTE ITS REPORTING ON MY CREDIT RECORD, TRANSUNION ACTION HAS CAUSED MY CREDIT-WORTHINESS SCORES TO SINK, AND THEY HAVE DENIED ME RECOURSE TO CORRECT THE RECORD.
Consumer complaint received 2018-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

I took out some partnership loans when I was first out of high school to help assist with tuition and book expenses for college. I have five partnership loans that were opened in XX/XX/XXXX and XX/XX/XXXX. I never did finish college, however, I have been paying on my student loans for over 10 years. I have never been late on payments. I have five partnership loans that are all 8.4 % interest and most of the payments have been going to interest. I did file bankruptcy in XX/XX/XXXX, which I knew it would not discharge the student loan debt, so I continued to pay these loans. It has been enough time that my bankruptcy should be close to if not already removed from my credit reports. I have tried three times now to consolidate these five loans into one, so I am not getting robbed on all the interest. I understand interest needs to be paid, but I have been seeing not very much movement in over 10 years and I am just tired of it. I can afford the payment, that is not the problem. I am juts tired of paying over {$300.00} a month and only paying {$75.00} in principal payments. Every time I call in and talk to them and tell them I have been paying then for more than 10 years, I have shown I will pay, but they still will not consolidate these loans into one. It is very frustrating!
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation (OH)

I reported my debit card stolen in XX/XX/XXXX to the card company from the county jail I was in when I found at money was off acct.ive been prison sense that time & I don't get released until XX/XX/XXXX now at time I made report to card company & police there was XXXX dollars missing ok then more money was deposited to acct from my XXXX company that card company contuied to put on card that was stolen now it looks like this person my ex boyfriend who stold card out of purse who got my info out of my purse took the money admitted to my daughter & husband got the old money & new deposit out of acct now I never gave or told him he could do that & why would company keep letting someone take my info and keep getting my money when I'm in prison if anything they should have to give me money back after I reported card stolen that XXXX XXXX kept getting after I made report could you please help me
Consumer complaint received 2022-12-20
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXXXXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This has been a 12 plus year ongoing saga with the credit reporting agencies XXXX, XXXX, and Trans Union. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!
Consumer complaint received 2023-10-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

merrill XXXX  reported on a 1099 to the government an incorrect amount on a roll over or transfer that has caused me to incurI a large debt with the IRS, merrill closed this account and havent forwarded any information concerning my request, this account should not have been closed, i paid appllicable taxes and i followed their rules of that govern the roll over process, i there is more funds in this account, thank you. XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-11-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mr. Cooper Group Inc. (CA)

I have/had a loan with Rushmore Management and they sold out/transferred the loan to Rushmore Servicing. I was sent an email stating XXXX XXXX was taking over the loan and my loan would be transferred in several days. Once the loan was was transferred, I could make a payment. I was told I would have 30 days to make the payment. I tried within 5 days, but their website was having issues. After a week, I was able to make the payment, well within the 30 days given.

I received my next statement from Rushmore Servicing stating there was a late fee and that my payment had gone from {$350.00} to {$570.00}. I called the toll free number only to reach a person I could not understand. I asked for a supervisor and got a person named XXXX XXXX 
I told her my payment was not late and that I had always paid {$350.00} and could not afford the new jacked up rate of {$570.00}. She stated she would look into it and call me back. I never heard back. I called again and spoke with XXXX, who apologized and said she should have called me back with an answer. I again told her that I could not pay the new rate of {$570.00} and this would have to be adjusted. Again, XXXX told me she understood and would look into the matter and get back to me. That was 2 weeks ago. 
You can not speak with anyone from the United States and they do not return their calls. 
I got a new statement from Rushmore Servicing stating my minimum payment was to be {$460.00}, which I can not pay that amount either. 
I feel this company is shaking me down, charging me fees it should not, and being underhanded with how they do business. 
I need for someone or a company or government agency to look into their practices and help me sort this abuse out.
Consumer complaint received 2024-04-27
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. ()

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-09-07
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. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information from the account listed XXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is information that on my consumer reporting as Charge Offs. I did not receive a copy of my 1099C form from any of the creditors thats reporting to the credit bureaus. Per U.S. Code 6050P the creditor has received a tax off write off and they submitted a 1099C form to IRS. Therefore I should not have his debt reporting on my credit report. Also since these accounts are listed as Charge Offs there should not be balances reporting and especially since these accounts have already been written off by the creditor. Please send me any forms or documentation showing that you have the right to report this as a debt, if you can not provide that please remove these accounts from my credit report immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

my student loans were on an income driven repayment plan which required me to have a XXXX payment.. once covid came loans in forbearance due to the government putting payments on hold. The lender reported for a total of 16 months that every month i was late. I tried contacting them and letting them know my loan was on an income based repayment plan and also the forbearance the government provided was in place during the time they were reporting my loan as past due. i have given them 2 months to report the mistake to the credit bureaus but they have not done so.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Derogatories disputed and verified as accurate on Transunion XXXX XXXX XXXX XXXX {$1400.00} which was sold to XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX   XXXX XXXX  : XXXX XXXX   XXXX $?.?? XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Made a deposit of {$2000.00} in cash at a Bank of America ATM on XX/XX/2023, after money was deposited into ATM the ATM cancelled the transaction and returned my card, no receipt, nothing. I immediately contacted the bank and they said they would launch an investigation and get the money deposited into the account and there has been no resolution.
Consumer complaint received 2023-11-20
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)

This information is absurd, it does not belong to me, I want all of this to be removed. 
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I chose to pursue my  XXXX  and  XXXX  education in NYS, and then chose to work in jobs that serve our  XXXX  and   XXXX   XXXX   ( 501 ( c ) ( 3 ) ). In pursuing my degrees, I had to apply for federal student loans, originally through   XXXX   XXXX  , then Navient took over. Over the course of time, I was advised to consolidate my loans ( into two accounts : subsidized and unsubsidized ), During this time, and over repeated verbal contact, I repeatedly asked and continuously affirmed ( verbally via phone ) that the payment statuses and consolidated payments I made were applicable toward the Public Service Loan Forgiveness Program. Now I 'm told that the statuses and payments I 've made, during service to the communities I 've faithfully served, do n't count. I 've documented my contact with Navient, who of course, subsequently deny their representatives ' statements and I assume they 've omitted such documentation from their records. As an info systems professional, I 'm not surprised they think their denial is incontrovertible, yet they acknowledged employing people I identified during the time frame I describe below : For example, Navient employees advised, on or about ( includes, but not limited to  ) :  XX/XX/XXXX   : I was advised that none of my payments were applicable ; they apologized because this was a common complaint and they would only offer to " retrain/re-advise '' their employees as to how to advise customers.
  XX/XX/XXXX  :  per  XXXX  - advised me that income sensitive repayments were applicable to public service loan agreement .  XX/XX/XXXX   : per  XXXX  - advised me that income sensitive repayments were applicable to public service loan agreement.
As stated, I did my due diligence, in good faith, and was repeatedly advised and understood that from the inception of the public service forgiveness program until   XX/XX/XXXX  that all my payments/payment status were eligible and applied toward the public service loan forgiveness program. On  XX/XX/XXXX  I reach ed out to an agency representing the public service loan forgiveness pr ogram, MyFedLoan.org, and was advised that my status and all the payments that I 've made on my consolidated loans are no t eligible for the program. A follow up call to Navient resulted in one of their supervisors acknowledging the error, confirming that I 've been " misinformed '' all these years, apologizing, and stating there was nothing they can do but advise their employees to provide the correct information from this point forward. Their recommendation was for me to re-consolidate and restart the 120 payment ( 10 year ) from scratch. Combined loans excee d   XXXX   XXXX  . To date, I  continue to dedicate myself to public service, particularly and proudly serving those who are " Always Ready Always There, '' who are often most likely to deploy to defend us all.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!