davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

" FIRST NOTICE FOR AFFIDAVIT OF DEBT DENIAL. '' Fact, I so invoke nunc pro tunc, specified remedy under 15 U.S. Code 1692 ( c ) ( 2 ) and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX, of Convergent Outsourcing, Inc. to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it.

The Fair Debt Collection Practice ( FDCPA ) states that the debt collector is mandated to cease all collection activity when verification is requested. Verification is defined as : confirmation of correct truth, or authenticity by affidavit or deposition.

15 U.S. Code 1692c ( a ) Communication with the consumer generally 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. 

This company is in violation and performing an infringement upon a consumer 's right to privacy.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one closed my credit card accounts after they have failed to articulate what they wanted from me during their review and for what purpose i was being reviewed. as they closed my account I had over XXXX miles valued at over {$2200.00} and they refuse to reimburse me for these points as they closed my account against my will. this account is in the state of New York where the credit card company is to give at least 45 day before the points are forfeited. this is detailed in the following link https : XXXX Thank you XXXX XXXX
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SD)

Mohela collected my XX/XX/2024 payment and failed to add the payment to my XXXX totals. This payment would have gave me the XXXX payments required for discharge. 

The company put my account into forbearance because they were requiring me to recertify my income. Mohela now considers the XXXX payment as ineligible due to forbearance. I will now have to make more payments due to their ongoing errors in both payment and student loan status.
Consumer complaint received 2023-04-06
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. (AZ)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions I request due to errors on account status and payment history the account be removed immediately from transunion, XXXX, and XXXX.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-08-03
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. (LA)

There is a small debt on my credit report that I did not make. I do not even have an XXXX XXXX. I called and talked with XXXX and they agreed that it was fraud and credited the debt. This is still showing up on my report and my score dropped over 60 points because of this XXXX. I want this debt and this negative credit rating removed immediately from my account!
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

Some time ago I had noticed some inquires on my credit report that I did not recognized. I sent a letter to the different bureaus alerting them that the inquiries were not authorized and that they should be removed. All that was done was that my letter was copy and pasted onto my report under the " Personal Statement ''. It showed up on all 3 bureaus for awhile. I was able to get the issue cleared up and all was fine. Years later now I am trying to apply for new credit cards but am being told because of the personal statement on my credit report they can't open new accounts. I was able to get them removed from XX/XX/XXXX and XX/XX/XXXX but Equifax has lied to me and failed to follow through on their own words. I have sent numerous letter requesting them to remove this personal statement from my credit report. I have received a response from them stating that it has been removed. Months go by and the statement still remains on my Equifax report. The issue has not been fixed and I sent letter after letter to Equifax only to be told the problem has been fixed, when it hasn't. The statement remains on my report and there is nothing I can do. I have called Equifax and been told on the phone that the statement would be removed but still nothing. I need this statement removed from my report. It's prohibiting me from acquiring new credit for no good reason. Equifax needs to remove the statement and stop just sending letter saying they've done something they haven't. They are reporting something on my report that they have said in writing they would no longer report.
Consumer complaint received 2021-07-26
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: DISCOVER BANK (NJ)

In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with XXXX, Discover, and XXXX XXXX. 

XXXX : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXX TN XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX -Documents and information submitted to XXXX XXXX no action performed. 

XXXX XXXX : XX/XX/XXXX - {$5000.00} - XXXX XXXX XXXXXX/XX/XXXX - {$5000.00} - XXXX XXXX -Documents and information submitted to XXXX XXXX, no action performed. 

Discover : XX/XX/XXXX - {$5000.00} - XXXX XXXX XXXXXX/XX/XXXX - {$300.00} - XXXX XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. 

I contacted each creditor ( XXXX, Discover, XXXX XXXX ) multiple times, with many phone calls trying to talk to someone that could help me. 

-- XXXX offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that XXXX did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. 

-- XXXX XXXX shortly removed the transactions from my account, and then put the transactions back with no explanation. 

-- Discover removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-01-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have a lease with XXXX XXXX and they are destroying my credit. 

My payment information is incorrect. My name is mis-spelled. I have tried to correct it numerous times with the company. This has led to endless confusion. 

They have reported that I have been delinquent on payments. 

I am attaching an excerpt from my billing statement from XX/XX/2022, which was a month where they claim I was delinquent past 30 days. I can supply the full statement if necessary. 

At the bottom, it shows that the total amount due as of that statement is {$0.00}. Yet that same month they reported me for being delinquent. 

I've called them and spoken to senior managers who claim they " are not able to access my statements '' due to " system issues ''. Multiple times.
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2021 I was scammed out of making a Purchase of product from someone using Venmo. I normally dont use Venmo to purchase something like this but the person said this was the only way. Well come to find out, this person took my {$310.00} and then proceeded to relist the same item again, scamming more people out of the money also. I have contacted Venmo multiple times who refuses to do anything. Stating that goods and services is against their agreement so they are refusing to assist at all. Even when I ask them to look into that persons account to view the fraud/scam transactions they act like nothing can be done and that im stuck with this. I have disputed this transaction through my credit card also but they are also saying due to Venmo 's rules that I am stuck with this. I dont care about anything else, I just want my money back for this. They can gladly cancel my account if they wish to. As I will not be using Venmo ever again.
Consumer complaint received 2021-08-03
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)

On my credit report there are multiple errors reporting from the company XXXX XXXX  XXXX. XXXX being that the account has been charged off in XX/XX/XXXX with two different balances XXXX  balance of {$4000.00} reported to XXXX  & Experian & {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX  reports XX/XX/XXXX, Experian XX/XX/XXXX, XXXX  XX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX  & Experian where the last payment with XXXX  is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I had 2 student loan accounts with the department of education ( Creditor ) XXXX which both are paid in full. I took a look @ my credit report they are both open unpaid accounts but in good standings for payment. So when I contacted the Department of Education I was ask to send in paperwork to ( XXXX creditor ) through the US Department of Education, of receipts, statements or whatever I had to support my claim.I did that. Then I received an email of how much payment I have to pay. Said I was behind after proof I wasn't. Never processed it. Then when I contacted all 3 credit bureaus, The have sided with the Department of Education they have not taken it off
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/2024 Amount : {$320.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-03
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)

On my credit report there are multiple errors reporting from the company XXXX XXXX  XXXX. XXXX being that the account has been charged off in XX/XX/XXXX with two different balances XXXX balance of {$4000.00} reported to XXXX  & XXXX  & {$4500.00} reported to equifax. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX  reports XX/XX/XXXX, XXXX  XX/XX/XXXX, equifax XX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX  & XXXX  where the last payment with Equifax is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.
Consumer complaint received 2021-08-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

i am paying off loans ro Navient Corp a predatory lender since 2008. Very little money has gone to the principle of the loans most monthly payments were applied to interest. My loans have mushroomed to {$150000.00}. I am XXXX XXXX XXXX and struggle on social security to pay off loans. 

I requested a statement of all payments applied to loans since inception in 2008. I have 6 pages of payments and more money has gone to interest than to the principle, which means if this continues I will not be able to pay loans off in my lifetime. Also Navient under reported Intrest paid on loans yearly to IRS. Causing me to pay more in income taxes. 

I need Navient to apply payments correctly as stated on their web site, I also need forgiveness of loans related to the nymber of years I have been paying them and the intrest is above usuary standards. I would get a better rate from a loan shark. 

Action : I have applied for income based repayment and spoken to reps who have n clue what Im up against.
Consumer complaint received 2023-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/22 i have been charged {$1400.00} interest fee while I had a {$1500.00} to paid off by debt. 
XX/XX/22 another XXXX interest fee XX/XX/22 another XXXX interest fee I call the bank, an agent told me there was nothing that they can do. In the mean while they keep charging me.
Consumer complaint received 2021-08-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (GA)

loan issued on XX/XX/XXXX in form of prepaid debit visa card in the amount of XXXX loan paid in full on XXXX XXXX.part of the merchandise from the order was never received in the amount of XXXXafter no resolution i disputed with my bank. they reimbursed me. affirm put the balance back on my account and stated that i never paid it and that i received the merchandise. i have made 26 loan transactions with this company, totaling over XXXXf in loans. all have been paid in full way before due date.my payment history is impeccable. Why would i lie and state i didn't receive the merchandise it has been almost 2 months since i ordered. now they are reporting that the loan is past due as f XX/XX/XXXX. when i called today they stated its still unde review and dont worry about what is being reported. this is derogatory and will hurt my credit
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I reached out to Loan Depot in early XX/XX/XXXXabout going on a Forbearance plan due to Covid-19. I was approved, and as you can see from the documentation, the forbearance plan was to begin on XX/XX/XXXX. However, the company still processed an automatic withdrawal from my bank account in XX/XX/XXXXfor my mortgage payment, despite the fact I was on a forbearance plan. I reached out to Loan Depot and was told nothing can be done, which I feel is unfair and against the point of the forbearance plan. Please note that the date on the attached letter from Loan Depot is NOT the date I contacted Loan Depot about needing a forbearance plan. If they knew there was no way to cancel the payment their system processes, they should have began the forbearance plan in XX/XX/XXXX.