davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (MN)

I have been attempting to get a collection account removed from my credit report since around XXXX or XX/XX/2022. There were 2 inaccurate accounts and one was removed, but these Credit Bureaus have failed to notify me of why the other one hasn't been deleted. Their investigation has taken more than 30 days, and they are willfully allowing Identity Theft inaccurate information to remain on my reports and damage my credit score. 

I am legally entitled to have this account listed as Collection, removed. 
XXXX XXXX XXXX collection account listed says I owe {$2500.00} yet no one has furnished any proof bearing my signature not any other type of validation or verification. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX., has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I need this removed immediately. XXXX and Experian are not complying with the Federal Credit Reporting Laws. 

I have been trying for months and the laws are being violated that they, credit bureau, should be abiding by. They haven't provided proof or anything in the legal timeframe. It can't be verified because obviously it's not something I did or owe.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (VA)

On or around XX/XX/XXXX I called Mohela and requested a refund for the payments made after XX/XX/XXXX. The representative said that it will take 5 waiting days and then within 30 days I will see my refund. I called after a week and the representative said that my request was not even looked at and it will take another 5 days. It has been more than 30 days and I have no response from them. When I try to call, the wait time is over two hours and no option of call back available from them. I would like to know the status of my refund but no way to get to them.
Consumer complaint received 2022-05-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc. (DE)

State Collection Services has reported an alleged debt to the Credit Reporting Agencies without notifying me that I can dispute the debt and without providing validation of this debt. Please see the attached letter requesting adequate validation of this debt, if they can not fulfill this request, I demand immediate deletion of this " debt '' from any consumer agency it was reported to.
Consumer complaint received 2017-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ENOVA INTERNATIONAL, INC. (NV)

This is a copy of my BBB complaint which I filed on XX/XX/XXXX of this year : Over a week ago, I let this company know that my pay dates were changing. They asked me to send a copy of my last two paychecks which I did after I got paid for a week on the XX/XX/XXXX. I let the company know that I only was paid for a week on the XX/XX/XXXX and that my full two week paycheck would be on the XX/XX/XXXX. I received an automated response stating that someone would get back to me. I waited and then tried to get onto their website to double-check the date. I could n't get on on Sunday ( I do n't know what 's with their site, it only seems to work on certain computers but that is another issue ) and checked the site on my way to work the following Monday. It still had the old due date on the site. I sent a comment to the company stating my displeasure with the change. I have used this company for awhile now and have never had an issue with them until now. Later that day I received an e-mail that stated : " Thank you for choosing CashNetUSA, America 's trusted online lender. We have received your request. This email is to confirm that your pay frequency has been updated to biweekly, beginning XX/XX/XXXX. To adjust your due date, please respond to the following as soon as possible. '' I sent a response the same day then inquired about refinancing. I did not receive a response on that subject but when I went to the site to check my options, it allowed me to schedule a payment for XX/XX/XXXX. I did a refinance but the due date showed as the XX/XX/XXXX but I assumed this was an error due to the response I received on my e-mail. However, when I checked my bank account this morning, I show a withdrawal for {$270.00} which I do n't have and this is the sort of trouble I was trying to avoid by letting the company know in advance the change in my pay dates. Since then, I have had two e-mails from their collections department regarding my failure to pay on the due date ( XX/XX/XXXX ). The first one was this Monday and I explained that I had filed a complaint with the BBB regarding this incident and the second e-mail was today ( XX/XX/XXXX ) stating that my account was past due and I need to make a payment as soon as possible. Clearly they have ignored my complaint to the BBB just like they ignored my informing them of the change to my pay days and I am not happy.
Consumer complaint received 2017-07-26
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. (FL)

Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. XXXX  and XXXX has removed this incorrect information from my credit profile. Transunion has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.
Consumer complaint received 2017-07-26
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. (OR)

My XXXX XXXX account opened XX/XX/XXXX was sold to XXXX XXXX XXXX XXXX  and subsidiaries ie XXXX XXXX XXXX in XX/XX/XXXX.My account was involved with the CFPB consent order of XXXX XXXX and XXXX was required to cease collection of this account, release the judgment and remove the trade line from my credit report. I have talked with XXXX and they have stopped reporting the debt and removed the judgement from the XXXX account they bought and owned from XXXX. But XXXX is still reporting the trade line last reported XX/XX/XXXX even as they do n't own the account anymore they sold the account not transferred the account .The XX/XX/XXXX CFPB consent order ceases collection activity and removes this trade line. I do n't see how XXXX can still be reporting this, it seems they want to get around the CFPB order and still penalize me when unfair practices were used to collect this debt .I have asked XXXX to remove the credit line and was told no they would not. I feel that by XXXX reporting this trade line they are still trying to collect on this debt as it is affecting my credit score by being listed as an unpaid debt. By the CFPB order XXXX can not receive any form of payment to this account, I can not even pay this debt to improve the effect on my credit report due to the CFPB consent order of XX/XX/XXXX. I am requesting that XXXX remove this credit line in accordance with the CFPB consent order of XX/XX/XXXX.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX has violated my rights . 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

on XX/XX/XXXX Citibank allowed the unauthorized wire transfer of XXXX from my account to a person unknown to me. This occurred because Citibank uses cell phones as a means to verify these transactions. Unfortunately, this transaction was fraudulently carried out by an individual who had obtained the sim card number for my phone and had a copy of the sim card inserted in his phone at a XXXX location. This allowed him to have full control of my phone and my service was essentially cut off. Since the banks means of authenticating the request is by sending a verification code to a cell phone, this individual was allowed to wire transfer money from my account into the account of his choosing ' The banks method of authenticating the authorization of these transactions are far too convenient and fails to adequately protect customers. 
Citibank was notified of the fraudulent activity with in about XXXX hours from the time that the unauthorized activity occurred. All of the required paper work to report the fraud was filed with Citibank on XX/XX/XXXX. I was advised by representatives that an investigation of my claim would be conducted. That was 45 days ago. I have reached out on several occasions, to inquire about the status of my complaint. I have been told the investigation is in progress and that an investigator will contact me. As of this date, no one has contacted me. At the very least I think I should be told where the investigation stands and when my money will be returned to my account. I have been unable to pay some of my bills and feel that the length of time CitiBank is taking to resolve this matter is unjust.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

This is in regard to a billing error on my AT & T Universal Card  account ending in XXXX that have never been handled properly by your dispute department. 
I purchased a XXXX airline ticket on XX/XX/XXXX for {$5000.00} with my AT & T Universal card. The ticket was later cancelled and a request for refund was made. The issue of the refund was confirmed by XXXX, and they mentioned that the refund may take up to 2 billing cycles to post back to my credit card. After waiting for 2 billing cycles, nothing post to my account, even until now. 
I reported the missing credit to Citi on XX/XX/XXXX. They opened a dispute case XXXX and asked for support documents. Then on XX/XX/XXXX, they send me a letter saying that they were unable to help, due to the age of the charge, which they meant they need my dispute to be reported to them within sixty days of the merchants charge on XX/XX/XXXX. 
The fact is that the charge on XX/XX/XXXX is a valid charge and I am not disputing that or ask a chargeback from the merchant. According to the merchant, they had issue a credit but that credit somehow did not show up in my account. Since that credit takes up to 2 billing cycles to appear, I waited to dispute it until I received my XXXX statement when did not see the credit. 
According to the Fair Credit Billing Act USCODE sec1666 section ( b ) ( 4 ), billing errors include The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. This is not the same thing as asking for a charge back from the merchant. And the dispute was made within sixty days when I can tell there was an error. 
Your dispute department did not seem to understand this at all. I have experience with them keep saying for half a year that merchant has issue a credit whereas that credit was never found in my account. 
I hope you can explain to me whether you have receive a credit from merchant while the merchant had confirmed that have issue a credit.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

I went to the ATM today ( XXXX ) at XXXX to make a withdrawl I was denied even though the account had XXXX in it at the time because I checked before I went to avoid embarrassment as this has been an ongoing problem since I filed disputes with another account. 

I made a purchase using my card through PayPal the money was in PayPal balance but not in the bank account it was denied. 

I tried to make a transfer it was denied. 

I am starting to feel these actions and embarrassing debit card denials are discriminatory in nature. 

I am also going to file a complaint with the XXXX XXXX XXXX in XXXX and the XXXX XXXX XXXXXXXX XXXX. 

I also have filed another complaint through CFPB about XXXX XXXX that has mysteriously disappeared. Please be advised I do take recordings and screen shots of these complaints.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

I paid my account in full a couple of years ago. The company reported the exact same debt twice on my credit report and refuses to fix it ( original debt was with XXXX  ). They told me to dispute it and they'd allow me to remove it that way, but when i disputed, they just verified the debt and didn't remove it. My credit dropped 60 points and I'm currently under contract to buy a home!!! This is so unfair!!!!
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OR)

i experience hardship due to the being in between jobs. I have had this card for a while always paying on time no problems until now, thankfully i started a new job but was late to make my payment. As a courtesy i asked if they could remove the late fee. they firmly said no without explanation or cosideration.
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (AL)

I opened a Truist Bright Checking account on XXXX XXXX on XXXX XXXX I mobile deposit a check to my account on XXXX XXXX my account login was locked I Never received a call from the bank at all, I only received a letter stating that my check that I deposited was on hold for 7 days until check clearOk On XXXX XXXX I received a bank statement that shows the Bank received my deposit because the bank received {$87.00} from my deposit from overdraft fees and to this day I still dont have Assess to my account I have called the bank 5 times still no answers from the Bank .
Consumer complaint received 2023-02-18
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. (MS)

As of Friday morning XXXX XXXX. XXXX so very devastated to the findings on my credit report. Someone has opened fraudulent bank installment loans and accounts without my consent and or permission. Someone obtained three loans total. Two of which from the same content. The first loan was with XXXX XXXX XXXX and was opened on XXXX XXXX. The second loan was also with the same institution XXXX XXXX XXXX and was opened on XXXX XXXX during the Coronavirus pandemic crisis. The third account FRAUDULENT account is with XXXX XXXX, opened on XXXX XXXX. This is so sad that people cant leave peoples personal business alone, and respect their privacy. This is very uneasy for me to get this resolved. This is totally messed up and has tore my credit completely up. This is very depressing knowing that someone has MY! PERSONAL information.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PERSIAN ACCEPTANCE CORP (CT)

In XXXX of XXXX, I totaled a car purchased with a loan issued from Persian Acceptance Corporation of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to XXXX and XXXX ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both XXXX and XXXX. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

XXXX XXXX XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} TransUnion : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00}
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Hello, I am filing a formal complaint in news of the Navient/ XXXX XXXX lawsuit. From the dates, XX/XX/XXXX to XX/XX/XXXX I was unable to make any payments on my loans due to my financial status. I was working XXXX jobs and barely could make ends meet. I was told by at the time XXXX XXXX that my only option was to go into forbearance which I did every 3 months until I was making enough to make some of the payments, I have never missed or went into late payment history I knew that would be worse in the long run for me. What I did NOT know is every time I put my payments " on hold '' XXXX XXXX/ Navient was added thousands of dollars onto my interest charges during that time span. To this day I struggle making my payments. I make decent money but never seem to get ahead and in turn has resulted in thousands of Credit Card debt due to my student loan payments being so high. I hope this complaint helps me and others come to some type of justice. Thank you, -XXXX
Consumer complaint received 2023-06-07
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: NAVY FEDERAL CREDIT UNION (TX)

I've paid off my car loan last week and I picked up the title release letter at the branch. The agent at the branch informed me that if I wanted the title same day, I can simply go to county tax office to pick it up by showing them the letter. So I went there waiting 2 hours to pick up my title and tax office clerk said I had to go to DMV. So I went to DMV and waited 3 hours to pick up my title and the DMV clerk said they are not able to issue the title because Navy Federal Credit Union is still showing up as lienholder in their system. So I called Navy Federal regarding this and they said I needed to wait 7-10 business days. They literally wasted 5 hours of my time because of misinformation. It's frustrating because I paid off the loan so I can sell the car and buy a new truck. If they informed me that I needed to wait 7-10 business days at the branch, I wouldn't have had problems. But they wasted 5 hours of my precious time ( I skipped work ) so I find this very frustrating.
Consumer complaint received 2019-06-27
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. (DE)

equifax fraud inquiries from XXXX  XX/XX/XXXX XXXX   XXXX  on  dates XX/XX/XXXX and XXXX XXXX  and XX/XX/XXXX XXXX   XXXX  also XXXX  has fraud inquiries on dayes XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   and XX/XX/XXXX XXXX   and XX/XX/XXXX XXXX   XXXX and XX/XX/XXXX XXXX   XXXX  and XX/XX/XXXX XXXX   XXXX these all need to be deleted
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Block, Inc. (TN)

I had XXXX incidents, which were apparently I cash app XXXX items for {$9.00} each cause I made to lose {$20.00} I did not buy these items I dont even have the app downloaded so I dont know if its the app trying to steal money from me or someone else but no one else has access to my card and they will not return my money back every single time I even try to email and email wont go through to them
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Auto Loan with account # XXXX, XXXX XXXX with account # XXXX, XXXX XXXX with Account # XXXX, Has Violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions