davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

Hello, I spoke with the defense team with the department of education and they informed me that I may be eligible to be refunded the amount of {$690.00}. I used a third party company called " XXXX XXXX XXXX XXXX, XXXX '' to help me consolidate my student loans with the department of education and was charge {$690.00} fee on XXXX XXXX.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I needs this removed from my account its hurting my ability to obtain credit Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following by account : XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!
Consumer complaint received 2020-03-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (CA)

In XX/XX/2014 I co signed on a vehicle for my boyfriend at the time. In XX/XX/2014 he was in an accident the car was towed and the vehicle was auctioned off. The balance left on this was around {$5000.00} Chrysler capital is still reporting that almost {$18000.00} is still owed on the vehicle. That is not accurate. As well we were told we had gap insurance and that it would pay the vehicle off what ever the insurance did not. Also we had tried to recover the vehicle and the company never got back to us. XXXX XXXX in XXXX, CA is where we bought the vehicle and after 9 hours of sitting there we finally left with a car we kept trying to leave and telling them it was to much for us but we were pressured and made to purchase the car we were exhausted and just wanted it to be over. I have tried to dispute several times but nothing is being done. They were predatory and they lied to us and now we are stuck with this and it needs to be removed. The whole thing wasnt fair and we were lied to and mislead.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

This was a XXXX XXXX credit card account that was opened on XX/XX/XXXX. The account became deliquent on XX/XX/XXXX. The account was closed in XXXX due to financial hardships from the big recession. Midland Funding is incorrectly reporting on all three credit reports that this account was opened in XXXX and is currently deliquent. This account was charged off by XXXX XXXX XXXX  in XXXX. I have never made payments to Midland Funding. Per the Fair Credit Reporting Act, this account should not be on my credit reports as it has multiple inaccuracies. I contacted Midland Funding and their position was that I was not deliquent until XX/XX/XXXX which is impossible if the account was closed in XXXX. My position was that if XXXX XXXX XXXX  gave them incorrect data it is still wrong info that should not be passed on to my credit reports a second time.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MN)

I accidentally set up auto deposits into my robinhood account and had a reversal due to lack of funds in my account they were attempting to transfer from. Because of this reversal I never owed Robinhood any money as they wait for funds to clear until I can access them. Ive maintained a positive account balance with cash available unspent on any investment. However they refuse to give me access to these funds for either debit card purchases or transferring out into another account. However they will let me make trades with these funds which doesnt help bills get paid. The last transfer of {$200.00} cleared and they still refused to give me access to spend or withdrawal the funds except for trades. Ive contacted the company multiple times and they completely ignore my concern stating I dont have instant access to deposited funds which has been the case for a long while and not the issue at hand. They are causing undue stress and hardships on me by denying me access to cash available to spend anywhere besides robinhood. This has been an issue for over a month being unresolved.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020, XXXX XXXX reported a 56 point drop to my XXXX  credit report and a 57 point drop to my Equifax credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : XXXX/XXXX. As far as I can tell, this is an account that I had no knowledge of that originated with XXXX as " XXXX XXXX  XXXX  '' and was sold to XXXX XXXX. XXXX XXXX  presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that XXXX would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my XXXX  report with XXXX XXXX, directly with Equifax and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.
Consumer complaint received 2024-10-15
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. (CA)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2020-03-19
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-31
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. (SC)

Spoke with a representative of XXXX, Transunion and XXXX, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which I did, and it came back verified. This isn't possible, Ive already file a report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, I just want to protect myself from any further damage, and get these accounts off my report, which has cost me denial of credit and higher rates when I did get approved. I was totally clueless of this account until recently in XXXX when I got my credit report.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I visited XXXX to obtain my Experian credit report. Experian is not currently listed as an option on ( XXXX is listed twice ) which seems to be a violation of the FACT Act. I submitted requests on both the Experian and XXXX  sites but have not received any response. Will you please require the site to list all three?
Consumer complaint received 2022-12-30
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. (MI)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2020-03-31
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. (SC)

Spoke with a representative of Experian, XXXX  and XXXX, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which I did, and it came back verified. This isn't possible, Ive already file a report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, I just want to protect myself from any further damage, and get these accounts off my report, which has cost me denial of credit and higher rates when I did get approved. I was totally clueless of this account until recently in XXXX when I got my credit report.
Consumer complaint received 2020-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

To PayPal : I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leave a balance of {$50.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request or deter me from filing my complaints
Consumer complaint received 2020-03-31
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)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$910.00} XXXX  XXXX {$300.00} XXXX  XXXX  XXXX {$1000.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX XXXX   XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$67.00} COLLECTIONS XXXX {$530.00} COLLECTIONS XXXX {$500.00} COLLECTIONS XXXX {$230.00} COLLECTIONS XXXX {$770.00} COLLECTIONS XXXX {$1100.00} MEDICAL DEBT XXXX {$1000.00}
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (NC)

I didn't receive enough information to verify or pay the debt, I have never received any written communication about debt before Collection Agency reporting to Credit Bureau, And I made the payment on first business day after its reported to credit, Still company is not removing this account from my credit report. 

First of all I am never a member of Gym they reported to the credit, so I requested them to send me documentation when they call me first time and they never called me again or contacted me in any way. 

Still I have paid to collection agency to have the account removed from my account but they didn't remove the account even after 30 days of payment.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NC)

I am attempting to payoff my mortgage to complete the sale of our home. However, Freedom Mortgage is being extremely unhelpful in the process. The title company faxed Freedom Mortgage a request to close the account on XX/XX/XXXX. When I called on XX/XX/XXXX Freedom claimed they did not receive anything, so we had to start a new inquiry. Closing was scheduled for XX/XX/XXXX and this was the final document needed to complete the sale. When I called again on XX/XX/XXXX to check on the status they said the estimated completion date was XXXX. The supervisor I spoke to added that if we could provide proof that the request was sent on XX/XX/XXXX than they would expedite it. I provided that information, but they were still unwilling to accommodate us. They ensured us multiple times that requests are complete within a 72 hour maximum time frame, but XXXX is outside of that window. I have been a part of numerous real estate transactions and know that this process takes less than 1 hour to complete. The supervisor I spoke to on XX/XX/XXXX said he was sorry we were misinformed, even though less than 24 hours ago we were told to provide proof.
Consumer complaint received 2020-03-31
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. (PA)

XXXX XXXX LAST SS # XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX XXXX XXXX Balance {$490.00} Opened XX/XX/XXXX XXXX XXXX XXXX   Balance {$100.00} Opened XX/XX/XXXX XXXX Balance {$3600.00} Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$9900.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information which you are inaccurately reporting and must remove right away. Please see below : Need to remove : XXXX XXXX XXXX XXXX, NC XXXX My current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESS to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Once you have removed the inaccurate information, I would like my full completed, and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX.
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (IL)

I spoke with XXXX XXXX with Harvard Collection on XX/XX/XXXX at XXXX XXXX. I asked him did they send a notice of the collection prior to putting the collection on my credit report. Mr. XXXX said yes notice was sent on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX. I told him I don't live at that address nor did I live at the address during the time the notice was mailed. Mr. XXXX said the address was provided by the Illinois dept of Human services and they did there part by sending it. I did ask can it be removed from my credit report to allow me time to address the issue. Mr. XXXX said no.
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (MS)

XXXX XXXX  representing Barclayphone number XXXX continues to call my employer after I requested that they send me in writing to my address the basis of the debt. I requested they not contact my employer as they have my contact information. This debt is at least 10 years old. I contacted every debtor after I returned from work from XXXX after 7 years and settled even though exhusband filed bankruptcy. This debt shows up no credit report and have asked for documentation. When I call them they are threats even though I asked them to send in writing or take me to court. I first heard from them inXXXX asked for it in writing they said I had to settle over phone. Nothing for about 6months and then my employer called me today saying they called. I called them they were very rude and I requested again to not call my employer or family and friends as they threatened. They have not contacted me directly even though the read off my contact information correctly including address and phone number. I want this harassment to stop. I asked them to mail me the information so I could look it up in my records. They just scream at me
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (CA)

I had a bank account with XXXX XXXX with a reserve line of credit attached that acted as an overdraft protection. I opened a bank account with a credit union and did not touch my XXXX XXXX   account and it had $ in the account. I went inside a branch only to find out my account was negative and about to be sent to collections. Apparently they took out a reserve line payment for more than what the account had which I did not know until I went to the branch to physically make a payment so after that it accrued fees totaling over {$100.00}. I tried to fix the issue but it was already in collections so it went to appeles collection agency in XX/XX/2019 for the amount of {$150.00} which I disputed and never heard anything nor did I receive a letter or any documentation with the outcome of the dispute.Then on the XXXX of XXXX I received a new collection letter for the same debt from XXXX XXXX which I also disputed and heard nothing.so I called the first collection agency appeles to ask what happened with the dispute they told me they weren't collecting a debt and it was marked paid in full but they couldnt release any paperwork stating that and advised me to call XXXX XXXX  which claimed to have no notations of the dispute whats so ever. Fast forward to XX/XX/XXXX I received yet another collection letter with again no outcome from the last company on the dispute again this time it is XXXX XXXX XXXX, XXXX I again disputed it for the 3rd time now within 5 months I'm just really getting tired of writing dispute letters only to get a letter for the same debt from another agency regarding the same debt that I have been disputing since XXXX. I just want this matter resolved.