davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (PA)

Please see attachments and make my credit report accuate. DELETE these items. i sent out certified letters, Experian and XXXX about the accuracy of my credit report. Today I noticed that my accounts werent 100 % accurate. The credit bureaus lied about doing a complete investigation and checking it 100 % for accuracy and this is a violation of my rights. I would like to know who did they speak with, who was interviewed and also how exactly was this investigation completed if everything on my report isnt accurate. XXXX did there investigation and remove the items in XXXX. It's been an ongoing process with these other two. The following information was straight from the XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681a - ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is the law that has to be followed. I am prepared to take this to court if my rights continue to be violated. I am not a lawyer, I have simply looked up information using my resouces and I understand my rights as a consumer. I have a right to privacy which has been violated because I NEVER gave written or verbal consent to furnish my data. I feel like I am being taken advantage of and its effecting my XXXX because this information is effectively taking a toll on my well being. Heres the accounts in question Account Name XXXX XXXX Account number XXXX Account Name - XXXX XXXXXXXX Account XXXX XXXX Account Name XXXX XXXX  Account number XXXX Account Name -XXXX XXXX XXXX Account number XXXX Account Name -XXXXXXXX  Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXXXXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX Account Name -XXXX Account number XXXX, XXXX
Consumer complaint received 2020-01-15
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: TD BANK US HOLDING COMPANY (IL)

I was an authorized user on my father 's target credit card. He passed away. I never gave my permission and did not know I was authorized for this card. I never used the card. 

Target credit card has told me I am responsible for my late father 's debt on two separate phone calls. This is false and illegal to tell me that I'm responsible when in fact I am not. They have added derogatory information on my credit report that took my score from XXXX to XXXX.
Consumer complaint received 2019-07-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (CA)

I had a second loan that was owned by XXXX XXXX and went dormant when the market turn bad. Years later the loan was purchased for pennies on the dollar by XXXX XXXX XXXX. Back in XXXX this bully company filed a notice of default after they purchased the loan and started strong arming me to pay or they will foreclose. At that time the lender committed procedural errors. Respa, Fair Debt Collection Practices Act, Home owners Blll of Rights, Loan Modifications violations. They said they would modify only if I paid them $ XXXX which I did so to modify. XXXX XXXX demanded this money as profit and if I didn't pay it they said they were going to foreclose on the property. This sounded illegal but I agreed because I didn't want to lose my house. So now XXXX XXXX has filed another notice of default. I ran into a few financials hurdles that I'm fixing at this time. I called to try to work something out with them and they refuse and want {$14000.00} ( incorrect amount due ) up front which they know I don't have at this time. So now they are taking this opportunity to try to steal my home. They did not follow the states preforeclosure loss mitigation requirements, mediation options, options to avoid foreclosure. I filled out a RMA and sent back to the servicer and the owner responded with a denial stating I failed the first loan modification. How did I fail it, it cost me $ XXXX to even get the loan modification that was given. This company is XXXX XXXX  to take my home that I've had since XXXX. I am willing to work out some type of payment plan to resolve this matter ASAP!
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc. (GA)

I have made several calls to DEPT OF ED / AIDVANT to dispute several re-aged student loans that are more then XXXX years old on my credit report. The information on the student loans are not accurate and is not mine. 
These should be removed from XXXX, XXXX, and XXXX DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX XXXX {$8700.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXXXXXX XXXX XXXX {$77000.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX + {$490.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX XXXX {$2200.00} In good standing DEPT OF ED / AIDVANT Reported : XXXXXXXX XXXX XXXX XXXX {$7100.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXXXXXX XXXX XXXX {$6900.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX XXXX XXXX {$2200.00} In good standing DEPT OF ED / AIDVANT Reported : XXXXXXXX XXXX XXXX XXXX  {$9100.00} In good standing
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Late XXXX I opened a Venmo account to assist my small business with customers transactions to make it easier and also more convenient. 

Early XXXX I received an email stating my account has been frozen. I was confused because I had a balance of {$430.00} and was in the process of transferring that money into my debit card. I have never had this issue before with Venmo. Yes, I had previously transferred funds into the SAME debit card and was always consistent. 

I have reached out to Venmo everyday this week & my account is still frozen with MY money being held. I didnt violate and terms or agreements with Venmo because I spoke to numerous agents stating how uncertain they are why my account is frozen. 

Since then, I have read so many similar stories and scenarios like mine & how stressful this situation can be. Something needs to be done immediately because my funds are no longer mine right now. I want to close this account and receive my funds.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Management Services, LP (MN)

I am a victim of identity theft and I have been receiving death threats, threats of legal action of being sent to jail and prison, harassing, obscene, profane and abusive language from Capital Managment Services, LP in regards to a fraudulent XXXX credit card account and a debt of {$14000.00}. The XXXX credit card account and debt is fraudulent and not my account or debt.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a XXXX  XXXX XXXX credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that Lexus had pulled 2 hard inquiries ( 1 without my consent through Toyota ) and  suddenly I was getting hit with an issue with a XXXX  XXXX XXXX credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with XXXX XXXX XXXX is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (AR)

I trust this letter finds you well. I am writing to express my concern and dissatisfaction with the delayed opening of my account.

I understand that unforeseen circumstances may arise, causing delays in processing applications. However, the extended delay in opening my account has caused inconvenience and frustration on my part. I have been eagerly awaiting access to the services your institution provides, and this delay has adversely affected my financial planning.

Please expedite the process of opening my account and ensure its activation at the earliest convenience.

Improve communication regarding the status of my account opening. I request timely updates on the progress made and the expected timeline for completion.
Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the inconvenience experienced.

I believe in the importance of a strong customer-bank relationship and trust that your institution values customer satisfaction. I appreciate your immediate attention to this matter and a swift resolution. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXXXXXX Balance : {$960.00}.
Consumer complaint received 2020-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I received an email informing me that my credit score had dropped 160 points. Last I checked I had put my student loan on a income based plan. I received no notification that I had missed any payment prior to my credit monitoring notification. They claimed I missed 3 {$59.00} payments which some how totaled to over {$280.00}, wit a {$250.00} payment pending for XX/XX/XXXX. First, I sent out a good will letter on XX/XX/XXXX. On XX/XX/XXXX I spoke to a Great Lakes represented who told me that she would put my account on hold so I wouldn't be charged again and that the interest would be deleted. I even went on my own to studentaid.gov and personally applied to the income based payment plan because I did not trust her. XXXX  that following day I received a notification from my credit report that my credit had dropped an additional 54 points. When I logged into my Great Lakes account I saw that there was no pending payment owed, but my loan had been put on forbearance for 3 months and after that I would be paying more than I originally had arranged. I did not agree to put my loan in forbearance I have been violated on multiple levels. Shortly after I logged in to Great lakes I received an email saying the I was approved for the forbearance and suggested I apply for the income based repayment plan what was the payment plant I asked to be put back on.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off of my Credit File ; 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need you to please comply with the Federal Law, fair Credit Reporting Act section 605b, and remove the disputed accounts and information off of my Credit File.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (VA)

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to XXXX XXXX, XXXX and NAVY FEDERAL CREDIT UNION for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My report 's list of inquiries and information was inaccurate. I sent it to credit bureau, asking to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquirIies listed below. 
XXXX XXXX IS VACANT Date Updated : 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
Consumer complaint received 2023-07-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA ()

While living in NY in 2018, I opened an online Savings Account with Marcus by Goldman Sachs. However, I have recently moved to XXXX and a few months after I had to close my former US phone ( I opened a new virtual US number instead ) and transferred my US correspondence to a relative 's house address. Since then, Marcus blocked and then closed my account due to unspecified reasons ( likely related to the change in my contact information ) while I was trying to make a transfer to my own external checking account, which I understand. However, it's been almost a month that I've been contacting them to retrieve my funds from Marcus to my other US external checking account ( linked to my Marcus profile ) and they are putting multiple blocks. I have contacted them every single day. It's been a week since they told me my money would be transferred to my other account. Passed their deadline ( Tuesday ), I have contacted again and have only now mentioned that I should ask my other bank to recall the funds. Which I tried, but is not a feasible option since all the savings I accumulated on Marcus throughout the years ( around {$140000.00} ) were not originally sent from my current checking account so it can't be recalled. I've contacted Marcus again and now it will take another XXXX business days for them to give me another alternative. At this point, I'm considering they are just slowing the process, and holding my money hostage until I give up. They are not willing to collaborate and most agents have been extremely unpolite. I am in the middle of an expensive medical treatment and have an urgency in recollecting my money to pay for these expenses. I please ask for your assistance into this matter. I've contacted a lawyer recently who recommended placing this new complaint.
Consumer complaint received 2019-12-09
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. (CA)

XXXX formerly XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt and have been reporting it on my credit reports. For the past 4 months, I have been requesting documents to support their claim. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$9700.00}.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2024 i wrote you about these accounts and didnt get a response. I also wrote you on the XXXX of XXXX which was last year.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ).

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you. You have not complied with my request under 15 U.S. Code Section 1681e ( b ) Accuracy of report -Compliance processes. I regret that I am obliged to take such action. As you are aware, federal law compels you to react within 30 days ; yet, you have not responded.
Consumer complaint received 2023-07-21
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: GOLDMAN SACHS BANK USA (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act APPLE CARD XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account underman open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc. (NC)

I sold all the crypto I had held with crypto.com digital wallet. I have just USD holdings in their wallet at this point and they will not allow me access to the funds or provide any input of how to get access. I am unable to withdraw the money because I do not have the 2FA application created when I opened the account. I have asked what the application would be so I can get it again, I have asked how to transfer, how to withdraw, any steps I can take to obtain my money. Their only email response was to ask if I still had the issue. I responded yes, I haven't heard back.