davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

This complaint is for Venmo app. 

XXXX XXXX I received money from a friend for his half of our night on the town. He didnt have any cash on him so I said we could use Venmo he sent {$550.00} and when I tried to instant transfer it the app wouldnt allow me. I tried to do the standard option and once I did they suspended my account for no reason and took my money. If you dont want me to use your platform thats one thing but taking my rent money is crazy. Im currently living in a hotel and that was supposed to be my room money. Im completely devastated and feel abused. I feel without hope. I tried to send money to a friend so I can pay for my room today. I was able to send XXXX to pay for my room today via Venmo to Venmo but what about tomorrow. These are very bad business practices they stole {$400.00} dollar 's, thats what they owe me for. Please help!
Consumer complaint received 2023-12-08
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)

Please immediately remove my incorrect name and date of birth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Equifax is not reporting any of my accounts that belong to me, the accounts are listed below : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX NONE of these accounts are reporting and should be!! yet Equifax will report fraudulent accounts that don't belong to me!! I need these accounts to be reporting properly!
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

This company never sent me a letter of the debt I suppose to owe. I fount out about on XXXX XXXX. I reached out to XXXX XXXX they had no account from the date listed on my credit report advised me to dispute with XXXX. I did so I have no knowledge of this account or how it was opened never received a card, notice, or bill from XXXX XXXX XXXXor this account.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

I just finished paying off my store credit account which had " 18mth no interest '' which was actually 18mt differed interest ( not disclosed at time of application ). In store at time of application for the store credit I was offered " 18month no interest ''. I was told no penalty if paid early and if I go past the 18 month, interest would only apply to the remaining balance like usual credit card promotions. To my surprise after paying what I thought would be the last payment at the 19th month mark I was charged the full 18months worth of interest. At no time in store was a deferred interest account discussed. And the company has refused to remove the charges because it was supposedly stated that I would be charged the full 18 months interest on my monthly statements. It did however state the deadline and that if I did not make the deadline i may be charged. But in store I was told no charges so why should I have been concerned? False application process, and unclear statements in regards to this promotion. ( in the image attached of the documents I was handed, you can clearly see by the lack of my signatures and completed info that this information was not clearly conveyed at time of application or in the attached pdf statement.
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (FL)

I was sent a letter dated XX/XX/year> from the US Department of Education stating that my student loans were eligible for a full discharge and that I did not have to make any more payments. The letter also stated it will take the Dept. of Education some time to process the discharge but the loans would be placed in a forbearance and all collections would stop. 

Well this did not occur. I have contacted my servicer, Navient, numerous times and even provided a copy of this letter multiple times. Each time I was told that the letter and information has to come from the Department of Education and they have not received this information. I have contacted the Department of Education multiple times and each time i am being told it is being worked on. This has been going on since i received the letter in XXXX of XXXX. 

I would like for the loans to be discharged as stated in the letter. While the discharge is occurring I would like for Navient to stop try to collect payments, and i would like all negative credit reporting removed from my Credit Report.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT . THE LIST OF ADDRESSES AND INSURANCE INFORMATION BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.
I LOOKED AT MY REPORT FROM LEXIS NEXIS ON XXXX XXXX AND NOTICED MANY THINGS ON THE REPORT VIOLATED MY RIGHTS. SOME THINGS ARE INCOMPLETE AND NOT ACCURATE, AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES ACCORDING TO 15 USC 1681(e)(b). 
And ACCORDING TO 15 USC 1681i 5 THEY ARE SUPPOSE TO DO THIS (5) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.
(A) IN GENERAL, AFTER ANY REINVESTIGATION UNDER PARAGRAPH (1) OF ANY INFORMATION DISPUTED
Consumer complaint received 2023-01-17
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. (NY)

Pursuant to 15 U.S.C. 1692c ( 1 ) ( 2 ) ( 3 ), the listed debt collectors shall cease all communication and remove all fraudulent accounts from my consumer report. The listed debt collectors have 4 days after receiving this notice to remove all fraudulent accounts from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Consumer complaint received 2020-03-11
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)

My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXXXXXX and also XXXX XXXX XXXX XXXX XXXX same acct XXXX XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!
Consumer complaint received 2020-03-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (CA)

I spoke to a supervisor over an hour and made payment arrangements, of which i have just paid off entire loan XX/XX/XXXX and i just logged into their site to check my account and find out their records show that im in default after i paid it off!!! 
and prior to that i had received a call from them saying i missed my first payment as well. and i spoke to a supervisor as well. THEY ARE STRAIGHT OUT LYING AND RUINING MY CREDIT AFTER LOAN WAS PAID OFF TO!!!!! ASAP THEY ; ARE FRAUDULENTLY DISCRIMINATING AGAINST CUSTOMERS THAT PAID OFF THEIR LOANS!!!! PLEASE INVESTIGATE ASAP>>>>>
Consumer complaint received 2021-01-15
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. (TX)

COLLECTION, CHARGE-OFF ACCOUNTS APPEARING ON CREDIT CLOSED AND CAN NOT HAVE LATE PAYMENTS. THESE COLLECTION ACCOUNTS MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THESE COLLECTION ACCOUNTS DOESN'T BELONG TO ME BUT THESE ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT IS CLOSED. 
1. XXXX 2.XXXX  XXXX 3.XXXX  XXXX 4.XXXX/XXXX  XXXX IN THESE ACCOUNTS ARE REPORTING INACCURATE ALONG WITH DATE OF LAST ACTIVITY AND DATE OF LAST PAYMENT
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

To whom it may concern while checking my most recent Credit Report I notice inquiries that I did not authorize mad by the following companies. 

prestige fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize ant employee by these companies to make any inquiries and view my credit. Please validate this information with these companies and provide me with the documentation bearing my signature authorizing these inquiries. 

Finally request that these item be deleted from my credit report if these sign documentation can not be provided
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NY)

My ex wife and I were victims of predatory lending in XX/XX/XXXX with XXXX XXXX. Divorced in XX/XX/XXXX. She deeded the home to me in XX/XX/XXXX. Unable to pay on my own I was almost in foreclosure XXXX. The home was upside down in value. I finally modified ( Ocwen  ) the home in my own name in XX/XX/XXXX. New servicer ( PHH ) came in at the end of XXXX putting my ex wife back on the note. I finally had to stop paying since the new servicer refused to take my ex of the note. When the old servicer agree to take her name off. XX/XX/XXXX I had no choice to take the servicer & trust ( XXXX ) to XXXX Supreme court. Upon further research after filing summons & complaints, I've come to find out that the mortgage has been paid in full by XXXX XXXX  insurance. This means that the servicer is now trying to double collect. I have a quite title on my property. Of course I am running out of funds fighting against the big banks. XXXX has already been awarded by XXXX Supreme Court against XXXX XXXX  XXXX XXXX at the end of XXXX for over a XXXX dollars. In turn my ex wife has taken me to court for contempt over the same issue. My lawyers bill are surmounting! I have tried to refinance but the derogatory remark is still on XXXX of my credit reports.
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Flagstar Bank, N.A. (MI)

Flagstar bank charged me an absorbent amount in overdraft fees on one charge that was paid back aside from about 50.00 - they closed my account with a negative balance of over {$700.00} and reported me to XXXX My current credit union is now threatening to close my existing account due to Flag Stars reporting. I have never been negative with my current bank, and had a very good history with Flagstar bank for many years. I am going through a divorce and the charge that hit the bank was caused by the other party. I am asking that the overdraft fees be waived and the negative reporting be removed from XXXX XXXX This has severely affected me.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

Lexis Nexis has continued to report inaccurate unverified information on my XXXX, XXXX, and XXXX credit file. The information that youre reporting regarding this bankruptcy, such as personal information, dates, and status are completely inaccurate. I have disputed this matter multiple times, but Lexis Nexis has continued to improperly investigate and validate the information with the original reporting agency. I contacted the court that is attached to the account, in which I was told that they do not verify bankruptcy information to any credit bureaus. So how is this being verified? This an inaccurate account has caused me to constantly be denied financing.
Consumer complaint received 2024-03-22
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: AMERICAN EXPRESS COMPANY (FL)

This account was settled per the settlement agreement attached yet American Express did not report it to the credit bureaus that the account was settled. 

Also, this was a corporate account and should not even be on my personal credit report. 


Thank you, XXXX XXXX
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Systems, Inc (IL)

I checked my credit report with XXXX  and noticed that there is a debt collector by the name of American Credit Systems on it listing a fraudulent account that I did not authorize. The company claiming that I owe them money for services is a fraud and take advantage of people claiming to help them with their tax debt by telling them that they owe more than what they do. I was told by the company that I owed far more money than what was owed in regards to my taxes. I called that Illinois department of revenue to confirm only to find that XXXX XXXX XXXX XXXX  was attempting to commit a crime against me for embezzling money for their own motive. I have filed a police report in regards to this matter. This is not my account and I never agreed on anything for them to help me. They have forged my information. This is illegal per the Fair Credit Reporting Act. I was not informed of such allegation and it must be removed alongside of my attorney moving forward to file charges against all parties involved.
Consumer complaint received 2023-03-16
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. (GA)

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 XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or the 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 an 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 2023-02-06
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-10
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)

XXXX, XXXX  and Equifax has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

AES/ XXXX XXXX XXXX XXXX is reporting five open accounts as closed to equifax credit bureau while reporting the same accounts as open to XXXX and XXXX XXXX I contacted the creditor regarding this matter but was not properly assisted. This erroneous reporting has greatly impacted my credit score and prevented me from retaining new lines of credit from other creditors.
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (FL)

Under Federal law, The bureaus have 30 days to complete there re-investigation be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 day of the completion. These are the companies ( XXXX  ), ( Equifax )
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (VA)

I received a notification on XXXX XXXX and again XXXX XXXX of a hard inquiry on my credit report for a credit card application for JPMCB. I did not nor would I apply for a credit card as I have no debt nor do I need a credit card. The inquiry resulted in a hard inquiry and deducted points from my credit scores across all three major credit bureaus. XXXX, XXXX, and XXXX. This is highly inconvenient as I am in the process of buying a home and dont want this to affect my chances for loan approval.