davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Axela Technologies, Inc (GA)

The XXXX XXXX property management company failed to provide accurate and consistent billing notices that resulted in missed payment and their premature and unreasonable forward of account to the Schwartz Vays collection agency. In XX/XX/2023, I received an emailed statement reporting the need for {$200.00} HOA payment. As I was out of town, I attempted to pay this fee electronically. The account had been disabled. I assumed this to be a technical glitch. When I returned to Georgia, I had received a mailed statement reporting a delinquency greater than {$200.00} and a payment deadline that was after my attempted electronic payment, but prior to the actual payment. I contacted XXXX to report the premature account closure and the confusion stemming from the XXXX statement that omitted the delinquency notice. In addition, while out of town, I had no access to the mailed notices and relied only on the emailed notices I had grown accustomed to. I mailed the requested payment to their attention. In XXXX, my account was still inaccessible. I contacted XXXX who reported that, despite my contact and agreement to mail the payment upon notice of issue, the account had been forwarded to Schwartz Vays with a {$300.00} collection fee attached. XXXX refused further communications and refused to provide the contact information of XXXX board members who made the decision to forward the account in spite of earlier protest. XXXX reported that the information was within the account that they had disabled. No further assistance was provided. By the time Schwartz Vays processed the payment, my XXXX  dues were 2 months delinquent : XXXX and XXXX. They refused to release my account as a result. In XXXX, I contacted Schwartz Vays to report a mailed payment in full, as there was a $ XXXX fee attached to e-payments. To date, the payment has not been processed and I am again delinquent for the month of XXXX while I am also being assessed daily collection interest fees. I can not relieve myself from this cycle of negligence, as I am at the mercy of the Schwartz and Vays processing timeline and their notice to XXXX of account closure. This practice is entirely unethical and impractical.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 2023-03-01
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. (NJ)

I have been unable to contact Transunion about a credit report dispute. 

Numerous calls to their call center get hung up on, despite calling during their office hours, following the prompts and waiting on line. I made six calls today, XX/XX/ Their web site is inaccessible. It doesn't recognize my sign in information. They promise to send a code to my email but no code shows up. I try and try and still no code to sign into my dispute account. I checked spam, junk, etc. but no code. 

I try to reset the password on my account to get in but the reset password site just goes around and around asking the same questions over and over again. 

They appear to be dodging access.
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (WI)

This company report a {$510.00} balance.This companys are reporting that I owe them those balances. I need the audit trial of the balance. Also I need them to provide me with the agreement that grants them to collect this allege debt. Also provide with the master bill of sale
Consumer complaint received 2023-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened a savings account with automatic withdrawal from my bank into this account for my grand daughter. After a few months I noticed that even though Capital one debited my account on the date ( XXXX of each month ), it took them 5-7 days on the average to deposit the money into the account and make available to make interest. Capital One is using this delay tactic to not pay interest on ligitimate deposits by making them unavailable. It shows in the account but not available, for which there is no reason except screwing customers out of paying interest. May not be much in one account but if you combine all the accounts, they are not paying interest on XXXX  if not XXXX  of dollars. I called the bank and spoke to a rep who told me that is normal operating procedure and then he gave me the good news that in my case it was actually only taking them 4 days most of the time to make the money available, which was not true. It has been taking a minimum of 5 days and maximum of 7 days. I transferred all the money back to my account and they said transaction will be completed on XXXX which has not happened yet.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (AL)

Company provided my personal intonation with out my written consent. According to 15 U.SC. 1681 602 A. States that 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 which I never gave them written consent to share my information.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (TX)

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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2019-12-20
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (GA)

On XX/XX/XXXX I filed complaint against Navient for they did my payments and called my job. Filed another on XX/XX/XXXX for their new hidden fees etc. For the current problem I filed for U.S. Small Business Administration disaster assistance loan in XX/XX/XXXX due to Hurricane Michael in XX/XX/XXXX got my reply letter back XX/XX/XXXX said ( denied ) due to my Unsatisfactory history on a federal obligation on line number 4 it say include documentation showing Navient Student loans have been paid in full or proof of satisfactory repayment agreement. I was so angry, Navient know I dont have no federal loans with them. All my federal loans were always current. I reported this to the XXXX   there ( Navient ) responded? Thank you for reaching out to the XXXX with your concerns regarding your private loans. We never report your private loans as federal loans but if you want to settle your debt for a payment in amount of {$11000.00}. If you are interested in learning more about this option, please contact XXXX XXXX directly at XXXX. They do hard credit inquires when can do a soft. This the third time a loan just for one thing can't explain because I can't my credit report and I don't see it only if you are doing a home loan when that underwriter pull it. Right now, XX/XX/XXXX I did VA refinance loan that information came up it still been report by Navient to the credit agencies on me that I owed Navient federal student loans. Navient need to be fined they know I dont have none them. Just to destroy her credit and she pay us. It must be nice to be in partnership with the federal government to collect money for them and investors really thats a lot of power for one company privilege- Navient. Other servicing company don't have authority to do these things.
Consumer complaint received 2023-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I am a co-signer on a private school loan for my daughter. We took the loan out in XXXX and Ive been making payments on the loan since XXXX or XXXX. I cant recollect definitively when loan payments began, but I believe around around XXXX or XXXX, I did experience a financial hardship where I had request forbearance XXXX times from loan server AES. The loan is owned by National Collegiate Trust XXXX XXXX, and after a decade of on-time payments by me ( post forbearance request ) Ive been denied co-signer release benefit at least 3 times citing forbearance, even XXXX time is a disqualifying event for co-signer release per their terms. The loan was initially executed through XXXX XXXXXXXX XXXX. I did not know the loan by XXXX was even owned by NCT until years later when I initially starting inquiring about a co-signer release. I have never received documentation from XXXX or AES regarding the loan terms which supposedly include the forbearance stipulation.
Consumer complaint received 2024-02-13
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: CashRepublic Holdings, Inc. (TX)

***New complaint, unresolved issue *** Per the attached, it is again still clear that Omni is reporting a duplicate debt on my XXXX report. The same debt is listed as two different accounts. This is a clear violation of my rights under FCRA.
Consumer complaint received 2019-12-20
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and mailed in my identity theft report to Equifax, XXXX, and XXXX  and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this problem.
Consumer complaint received 2019-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

From XX/XX/XXXX-XX/XX/XXXX I bought Bitcoin on Coinbase. Of which, I paid nearly {$470.00} in fees. By now, on the website it states that my balance is available to withdraw. Upon trying to do so, it states my account is restricted. Support initially they told me Id be able to withdrawal my bitcoin after the purchase hold no matter what and now theyre denying me access to it. After contacting support again, theyre saying in order to withdrawal my money - I have to sell my balance on their platform ( costing me another whopping {$450.00} in fees! ) Just to get my balance. Not to mention, I already have lost money due to the initial investment decreasing in value and the previous fees Ive already paid. This itself is fraud because theyre denying me access to what I paid for. On top of that - theyre forcing me to pay more money to get what I was supposed to receive previously. I asked them about waiving the fees and they wouldnt.
Consumer complaint received 2019-12-20
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: Experian Information Solutions Inc. (CO)

On XXXX of this year I found out through my Experian and XXXXCredit Report that there is a closed XXXX XXXX XXXX account listed as a charge off in my credit history. After multiple attempts to contact XXXX XXXX XXXX with notarized affidavits, letters and calls it has yet to be removed from my credit profile.

XXXX XXXX XXXX has failed to contact me or provide any fraud packet or assistance since Ive started to dispute this card. Ive sent them countless documents proving that my identity was stolen but without even information of where and when somebody applied for it, theres little more than I can do.

At one point they removed it for a period of 2 months and then for whatever reason put it back on my credit report.

After further investigation I was able to obtain the account number because nobody in at the XXXX  XXXX XXXX has been able to provide me with an application, address or any information other than the following : The credit card was charged off on XX/XX/2017 a balance of {$750.00} This is a fraudulent account, opened without my permission or authorization. I have not obtained any benefit from this credit card. 
FTC Report has been filed # XXXX
Consumer complaint received 2019-12-20
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. (CO)

On XX/XX/XXXX of this year I found out through my XXXX and TransUnionCredit Report that there is a closed XXXX  XXXX XXXX account listed as a charge off in my credit history. After multiple attempts to contact XXXX  XXXX XXXX with notarized affidavits, letters and calls it has yet to be removed from my credit profile. 
XXXX  XXXX XXXX has failed to contact me or provide any fraud packet or assistance since Ive started to dispute this card. Ive sent them countless documents proving that my identity was stolen but without even information of where and when somebody applied for it, theres little more than I can do. 
At one point they removed it for a period of 2 months and then for whatever reason put it back on my credit report. 
After further investigation I was able to obtain the account number because nobody in at the XXXX XXXX XXXX has been able to provide me with an application, address or any information other than the following : The credit card was charged off on XX/XX/2017 a balance of {$750.00} This is a fraudulent account, opened without my permission or authorization. I have not obtained any benefit from this credit card. 
FTC Report has been filed # XXXX
Consumer complaint received 2019-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (MI)

I fell into a bit of a financial bind and took out an installment loan through. Big Picture Loans for {$450.00}. To date I have paid {$180.00} back to Big Picture Loans. 

After doing some research I realized that these companies charged me illegal rates of interest under Michigans usury laws. I immediately revoked ACH authorization. I a letter explaining that I would repay the remaining principal balance of the loans in equal monthly payments beginning in XXXX of 2020. I currently owe Big Picture Loans approximately {$260.00} dollars. Big picture loans refused to oblige at all claiming tribal immunity. However it is my understanding that tribal immunity prevents consumers from suing them and that under federal they still have to oblige to usury laws in respective states. After going back and forth with them via email, the matter was not resolved. In learning from my mistakes, the reason I am filing this complaint is because I refuse to be harassed by a company when I have made reasonable attempts to settle the debt on a payment plan trying to circumvent any potential damage this could do to my credit.
Consumer complaint received 2019-12-20
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: Experian Information Solutions Inc. (IL)

XXXX XXXX, experian and XXXX will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.
Consumer complaint received 2019-12-20
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: EQUIFAX, INC. (IL)

XXXX XXXX, XXXX and equifax will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.
Consumer complaint received 2019-12-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX of this year I found out through my XXXX and XXXXCredit Report that there is a closed Bank of America account listed as a charge off in my credit history. After multiple attempts to contact Bank of America with notarized affidavits, letters and calls it has yet to be removed from my credit profile.

Bank of America has failed to contact me or provide any fraud packet or assistance since Ive started to dispute this card. Ive sent them countless documents proving that my identity was stolen but without even information of where and when somebody applied for it, theres little more than I can do.

At one point they removed it for a period of 2 months and then for whatever reason put it back on my credit report.

After further investigation I was able to obtain the account number because nobody in at the Bank of America has been able to provide me with an application, address or any information other than the following : The credit card was charged off on XX/XX/2017 a balance of {$750.00} This is a fraudulent account, opened without my permission or authorization. I have not obtained any benefit from this credit card. 
FTC Report has been filed # XXXX
Consumer complaint received 2024-03-13
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. (MN)

Upon reviewing my Credit Report, I have identified inaccuracies within certain accounts which may adversely impact my Credit Score. It is imperative that these discrepancies be rectified promptly. The erroneous accounts, along with their respective details, are outlined below : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} =======XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} =======TransUnion : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00}. Under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 USC Section 1681i, I kindly request an investigation into the disputed accounts. Pursuant to 15 USC Section 1681i ( 5 ) ( A ), you are afforded 30 days from receipt of this credit repair request to complete the necessary actions, unless an alternative timeline is communicated to me promptly. Failure to verify these accounts within the stipulated timeframe constitutes non-verification, necessitating the prompt updating of said accounts as per Section 1681i.
Consumer complaint received 2022-09-24
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions