davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d ; and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-18
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: National Credit Adjusters, LLC (AL)

The company National Credit Adjusters , L.L.C was in immediate violation of the FCRA [ 15 USC 1692g ]. For reporting on my consumer report without reaching out to me with any type of documentation to try and resolve this matter before reporting to my consumer report. I tried to reach out to the company with a notarized letter to validate the debt or delete it from my consumer report if they did not respond within 30 days of receipt of the letter. This was mailed through certified mail and it was delivered on XX/XX/2023 and I have the confirmation receipt of signature as proof that it was signed for on that date. As or XX/XX/2023 I have not heard from this company nor have they deleted this account from my consumer report.
Consumer complaint received 2022-05-13
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to be deleted immediately : XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-05-13
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

A few years back, my son was diagnosed with XXXX and as a direct result, I encountered an unexpected financial hardship. 

I reached out to PenFed, and PenFed offered to restructure my debt accounts. PenFed offered to reduce my monthly loan payment to {$410.00} and extend the loan maturity date to XX/XX/XXXX. 

I received the attached pre-filled form from PenFed and returned via email and XXXX. Fast forward to today, I recently learned that PenFed did not adjust the loan maturity date as agreed and I have a lump sum payment due on XX/XX/XXXX in the amount of XXXX. 

I have contacted PenFed on several occasions and provided relevant documentation to no avail.
Consumer complaint received 2022-05-13
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. (CA)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-16
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: BARCLAYS BANK DELAWARE (FL)

I have spent almost a month trying to discuss my concerns with Barclays by calling the customer service department. I first reported a dispute claim # XXXX for {$75.00} sometime around XX/XX/2022. My concern is I made a purchase of {$150.00}, this was for two pairs of jeans. One pair was returned to the store and I got my refund of {$75.00}. I had to send the other jean through the post office however to date I have not received my refund from the merchant XXXX for the remaining balance of {$75.00}. My claim was closed because the claims processor immediately assumed that the one credit of {$75.00} I had already gotten was what I was disputing, but they are wrong with the choice they made and did not understand this claim at all. Since then I have been trying to explain to Barclays that my claim was closed in error and was not looked into accurately or even understood accurately by fax and by calling customer service. I spent numerous amount of time calling XXXX but there is an extreme amount of time that I have to be on hold then when you finally get someone you either hear kids in the background yelling or the call just disconnects. I really need someone serious and respectful to help me with my concern. My patience is exhausting and it is getting to the point where I might just cancel and close this account. The customer service for the Barclays Aviator is terrible.
Consumer complaint received 2020-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OH)

I went to enroll back in school after taking a break, and found out my loan wasn't in deferral anymore. I didn't know it was out of default which was a shock, then told to pay 9 months to go back to school. 

I was making payments to US Dept. of Ed. then was unemployed and fell behind. Tried to contact them found out they sent to their standard collection agency ( XXXX? Law Office ). The XXXX  law office never replies to anything, their reviews also say this online. When I received a letter from them, I wrote back that I was submitting the 2 payments a month ( double payments to catch up ) to US Dept of Ed previous address and they are cashing the checks. Never heard back. Then last years biggest tax return I have ever received in my life was kept by them.Put me in another financial hardship ( fixing cars, catching bills up, etc. ). 

I have been paying double payments since last year and received a tax form regarding the {$5500.00} amount I paid for student loan interest in 2019 for my tax filing this year. When I try to find a phone number to call US Dept of Ed it is difficult to find one regarding my account. I tried the default resolution group regarding tax returns being taken and it says I am still with XXXX  law office who I have never dealt with. I was calling to ask if my return ( if I even get one since I changed my filing after last year ) was released now, if I can go back to school since I am caught up and I can't get through. I even want to still make a payment a month while in school. I tried to file a complaint on their website and the information about what they deal with does not pertain to what I am complaining about. I just want my account cleared up and this XXXX agency never did squat for me to pay the loan once I had the money.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}
Consumer complaint received 2022-10-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}
Consumer complaint received 2017-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Consumer complaint received 2016-01-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: World Omni Financial Corp. (FL)

I had always paid my car on time and this was my 2nd car financed through Southeast Toyota Finance company. I was laid off from a job and called the company and asked to skip a payment. They told me ( on a recorded call ) that I could pay a little over {$200.00} to skip 2 payments but I had to fax a letter in telling them why. Later, I discovered they marked my credit report 60 days late after taking my money. I called again ( call was recorded by them ) and I was told I used the wrong verbiage in my letter therefore despite paying for skipping 2 payments so it would n't affect my credit, they not only took my money but reported to my credit bureau that I was 60 days late. Since that violates the fair practice law and was deceptive in nature, I told them since they already damaged my credit I would voluntarily surrender the car because I had paid them for 2 years, on 2 cars, on time and the first time I had financial problems they took advantage of me by having me pay to skip payments to protect my credit only to state later that the verbiage on my letter was not exactly what they wanted so I was reported as 60 days late. Then, they sold this 2014 XXXX in perfect condition, with a little more than XXXX miles on it for only {$15000.00} and are now coming after me relentlessly for {$19000.00} when the car was not even worth {$34000.00}. They are doing this to a lot of customers. They ca n't take money to skip payments, then turn around and say wrong verbiage made the agreement null and void and report people late on their credit reports after taking their money. What they did to me violates the CFPB deceptive practices regulation.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I was notified by XXXX XXXX XXXX XXXX that there as a been a data breach within their XXXX  storage system that contained personal information. There was also a data breach from XXXX that I was notified about in XX/XX/2022. In XXXX of 2022 my accounts were compromised which made me check my credit report where I noticed unauthorized inquiries. 

I then had to contact XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX as my accounts were compromised due to fraud on several different occasions. I had to reset all of my account and have new debit/credit cards sent to me from XXXX XXXX XXXXXXXX XXXX I also had to file an identity theft report and. wait on hold several times while trying to resolve this issue.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I was notified by XXXX XXXX XXXX XXXX that there as a been a data breach within their cloud storage system that contained personal information. There was also a data breach from XXXX that I was notified about in XX/XX/2022. In XXXX of 2022 my accounts were compromised which made me check my credit report where I noticed unauthorized inquiries. 

I then had to contact XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX as my accounts were compromised due to fraud on several different occasions. I had to reset all of my account and have new debit/credit cards sent to me from XXXX XXXX XXXX XXXX I also had to file an identity theft report and. wait on hold several times while trying to resolve this issue.
Consumer complaint received 2022-05-13
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. (IL)

XXXX XXXX finally sent my credit report. I am a victim of identity theft. This has gone on for years and XXXX, Equifax and XXXX maintain the false information. I must continue to provide information for them to update my credit correctly. 
I am in an unending circle of fraud, and it will not go away. Then the female that utilizes a MIchigan identification in my name has vehicles in my name that the State of Michigan will not do anything about because the vehicles are registered properly. 
I have NO vehicles at this time. I have all sorts of inquiries many years old that is reporting on my credit files that I did not approve. And when I issue a dispute with any of the XXXX bureaus, I receive correspondence that the information is correct. 
I need help. I am utilizing this XXXX XXXX report, but XXXX XXXX stated for me to file a claim with you regarding what I have experienced since 2008. 

I also had XXXX XXXX put a freeze on my credit report.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (WA)

I made international wire transfer at US BANK in XXXX, Washington State. I was told by the branch XXXX XXXX XXXX XXXX that I would receive the receipt by email within one hour. However, all I got was just PAR number without recipient/beneficiary. I NEVER got official receipt. I was trying to contact XXXX ( emailed, called, voice message... ) but got no reply. Called US BANK XXXX but got no reply either. Called US BANK wire transfer department but they told me that only the branch was able to release my receipt. I sent $ XXXX and got no receipt. Called US Bank customer service and was told by the representative that he will file a complaint against the branch manager on be half of me but I don't think he did because he was rude, unprofessional and biased