davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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. (PA)

Dear Credit Reporting Agency, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Signed contract or Documents with my signature If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2021-11-13
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: Global Lending Services LLC (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by the Bureaus. Despite sending them written letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : GLOBAL LENDING SERVICE Date of inquiry XX/XX/2021 GLOBALLEND Date of inquiry XX/XX/2021
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I'm filing a complaint against the XXXXredit reporting agency Trans Union. Trans Union registered me for a credit report service without me requesting this service or even knowing about its existence. Since XX/XX/2017, they have been charging me {$19.00} monthly totaling {$430.00}. I recently discovered this unwanted charge on my card and have canceled this service. However, it was extremely difficult to cancel this service and took over one hour, as I could not find any place on their website to do so. I had to find external instructions from other people who were also registered unknowingly.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (MO)

Fortiva is trying to charge me {$2000.00} were ideal image refund them for a membership that I did not use I canceled in the fashion manner. I sent Fortiva proof what it was put back on their account way before a payment was due. I also contact ideal image and they both are saying the same thing they can't understand what happened what but I have proof that ideal image refund for fortiva and fortiva said that they didn't refund it!! 
I feel like it's an matter between the two companies and they need to fix it it's not my responsibility and it shouldn't be on my credit!!
Consumer complaint received 2022-05-19
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. (NJ)

In accordance with the fair credit reporting Act. 
XXXX XXXX XXXX  XXXX, account # XXXX opened XX/XX/XXXX XXXX. 

XXXX XXXX XXXX Account # XXXX, date opened 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 an account without my written instructions.
Consumer complaint received 2021-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I recently went online to XXXX to learn about public loan forgiveness. I did not know that all this time, I've been playing back federal loans under the wrong plan. the website suggested I apply for the new program since I had more than 10 years of payment. I applied and have heard nothing. I also applied in XXXX and XXXX. I went back to the site in early XXXX to make sure I submitted everything I was supposed to submit to be eligible. when I went through the advice website ( which was not updated ) I was told to apply for an XXXX repayment plan and to consolidate my loans. I had two federal loans, one for my school and another a PLUS loan for my daughter. I tried for several days to call the phone number given but never got through, on a few occasions, when they called me back, they hung up on me before answering. In a panic, I filled out everything and got my husband to sign. I went back to the site on XX/XX/XXXX and created an account on XXXX to see if I could find the status of my application. in the electronic inbox, there were two letters stating that I should reconsider consolidating and that they were almost done with consolidating my loan. There is no way I would have seen letters in an electronic inbox of an account I had not signed up for ... .the letter stated that I would have to start over in order to qualify for the PSLF program. I paniced and called them to no avail, then ai sent an email stating that I never received the warning letters and to please stop the consolidating process. ON THAT DAY they quickly completed the process and paid off my loan. Now I am stuck with a consolidated loan I did not want and I've lost 10 years of repayment. It turns out that I was supposed to only apply for an ICR payment plan but the application is confusing and suggests that you also fill out the consolidation piece. It also states that you can not get PSLF if your loan servicer is not Fed Loan. I thought that since I did not fill out the consolidation form in XXXX or XXXX that was the reason they did not have my paperwork. this is fraud. I would like to see all of my applications that I sent to XXXX since XXXX and the documents that state exactly when they completed my consolidation. also, I want receipts that they actually sent me the XXXX letters warning me about consolidation to my home address or email address. this mistake has cost me more than repayment of my {$200000.00} loan, since I am XXXX I will not have 25 years of work to pay off the rest of the loan and I was told that I will not get my government retirement because I have loans due. PLEASE HELP ME I do not know where to turn and this is unfair. There is no reason that I would consolidate my loan if I had known that m y 10 years of repayment while working in public service would be lost. thanks for reading.
Consumer complaint received 2017-07-05
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. (MN)

I am a victim of identity theft. I have fraudulent and unauthorized credit card and collection accounts and hard inquiries listed on my  XXXX   XXXX ,   XXXX   and Experian credit report. I filed a police report with the  XXXX   XXXX  Police Department and the police report case number is :  XXXX , the following credit card and collection accounts and hard inquiries are fraudulent and unauthorized :    XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  , XX/XX/XXXX ,  XXXX ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XX/XX/XXXX     XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX
Consumer complaint received 2021-11-13
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: Sequium Asset Solutions, LLC (TX)

I was applying for a refi. XX/XX/XXXX I was told my credit score went from XXXX to XXXX because of a negative report by a collections company report for {$1600.00} due to XXXX. XXXX I called XXXX, gave my account number, told them I returned their modem XX/XX/XXXX, the day before moving to XXXX from XXXX, I could not find the XXXX receipt. She submitted a dispute ticket. No updates XXXX and XXXX. XX/XX/XXXX I called Sequium Collections, told them the XXXX info, they offered to settle for {$900.00}. Their info is all incorrect : name, DOB, address, account number. Only SS last 4 digits were right. XX/XX/XXXX I called XXXX, gave MY account number, who said my account had a " credit balance '' of {$74.00}, and it was NOT sent to collections. I never received invoices for the {$74.00} if its was owed. Just to be careful, I paid {$74.00} with a credit card, got a confirmation number, and we agreed that if it was not owed, they would pay me back. She said customer service dept will handle this by XX/XX/XXXX, and they will fix the problem with the collection company, gave me a reference number. I requested and received an email from them stating that MY account balance was XXXX. I sent info to XXXX, who immediately removed it from my info. XXXX and XXXX are still " investigating. ''
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have been in a never ending battle with a simple transfer of {$1400.00} from my checking account to a friend via Venmo since XX/XX/XXXX. Venmo has withdrawn the funds from my account and noted the transfer is under investigation ; and the investigation will take 48hours. It's now 144hours ( 6 days, almost a week ) and counting. I have yet to see either a resolution or my money back into my checking account or officially transfered to my friend.

I have sent Venmo emails and called them numerous times, I have yet to reach a resolution or be able to speak with their investigation/accounts department, ( since they can't be reached via call ).

I believe this has been dragging far too long, I now regret using Venmo and wish to obtain my money back ; but, their customer service continues to tell me, they're unable to cancel, refund the funds or do anything at this point, but to escalate the matter. I notified customer service I have escalated this matter numerous times ; I just need my money back NOW! 

I look forward to hearing from you in resolving this issue with Venmo. 

XXXX, XXXX ( aka XXXX  ) XXXX
Consumer complaint received 2022-05-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (CA)

Dear CFPB, FOR THE RECORD, On XX/XX/XXXX I filed lawsuit in XXXX XXXX XXXX XXXX California Division Case # XXXX against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) et. al. ( COPY ATTACHED ). 

I'm also Demanding for Cancellation and Rescission of Notice of Default and Notice of Trustee Sale XXXX # XXXX recorded on my property XXXX XXXX XXXX XXXX, CA XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX scheduled for XX/XX/XXXX. 

As of today, XXXX XXXX ( XXXX XXXX, XXXX ) has not cancelled the Trustee Sale despite the Active Federal Pending Lawsuit, Notice of Pendency of Action, and Plaintiffs Motion for Temporary Restraining Order. 


Under my private rights of action and administrative process I want to report that XXXX XXXX, has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letters over the years and one specific dated XX/XX/XXXX sent Certified Mail # XXXX ( COPY ATTACHED ). 

In addition, I never contracted with NewRez, LLC dba Shellpoint Mortgage Servicing, or XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX, XXXX XXXX XXXX at any capacity and never had any business relationship verbal or written. 

The NewRez, LLC dba Shellpoint Mortgage Servicing Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. 

Enclosed, you will find my Affidavit of Truth and Fact Notice of Special Appearance served to the above individuals and entities including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX ( COPY ATTACHED ). 

In addition, you will find Audit from XXXX XXXX and his Declaration under penalty of perjury that will confirm my above allegations ( COPY ATTACHED ). 

In Conclusion, XXXX XXXX and XXXX XXXX, XXXX, are hereby demanded to file in the XXXX XXXX XXXX XXXX 's Office a CANCELLATION OF NOTICE OF TRUSTEE 'S SALE ( Rescission ) for the fraudulent Trustee 's Sale # XXXX on the referenced Deed of Trust. XXXX XXXX, XXXX and XXXX, XXXX, & XXXX XXXX are also demanded to deliver to me a fully executed copy of the same document at the referenced property address. Respectfully, XXXX XXXX
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF OMAHA (SD)

I have had issues in the past with overdrafts to my business checking accounts. My bank 's online banking does not allow transfers after XXXX to go through until the next business day ( two days later ), even if I have funds directly in the bank. I work out in the field and am unable to check my online banking until the evening. The branch president and my loan officer agreed, if I e-mail them in the evening, they will make the transfer for me and I would not get the overdraft charge. On XXXX XXXX, 2016, an e-mail was sent to my banker, requesting to transfer {$500.00} from XXXX of my business accounts to the other, to cover pending deposits, to avoid an overdraft per our discussion. I checked the account on XXXX XXXX, 2016, and an overdraft of {$38.00} went to my account with no transfer made per my e-mail request. The bank is not honoring their commitment and agreement we came to.
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

the alleged debt from Capital One was sold to a 3rd party " XXXX XXXX XXXXXXXX '' without my permission, and I have been contacted several times via email and text message by the 3rd party " debt collector ''. they are harrasing me and using abusive words such as " debt '' and " owe ''.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

* Last month XXXX reported my score was XXXX to a Mortgage company that made my FICO Score lower than it should of been. 
*Credit Agencies allowed a XXXX account be relabeled to a personal account and called it revolving. 
* I have never had a XXXX XXXX XXXX in my adult life. 
* Mortgage companies lowered raised my interest rates due to this credit adjustment. 
*My credit report is being fraudulently tampered with by placing fraudelent information and fraudulently reporting credit checks on my report. 
* I also have a derogatory credit reporting that I had a cable account just close in XXXX a couple months ago after living and working in texas the last last years * I was a whistle blower against the government were I exposed millions of tax payer dollars was being stolen. I have been retaliated against. The case just settled in XXXX.
Consumer complaint received 2021-07-23
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. (NY)

XXXX XXXX and XXXX have been disputed numerous times and they continue to remain on my credit report. I mailed EXPERIAN the Police report and called disputed numerous times and nothing has been done!
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (TN)

They keep sending me marketing letters, on XX/XX/2022 I requested them to stop. They said they would, and they have NOT. I get like 4 to 5 letters a week from them, and I am not even qualified.
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

About a year ago, after a successful transaction sending money by MoneyGram to my relatives out of country, I was notified by MoneyGram that the transaction was cancelled. Next, I was told that I can not use MoneyGram services to send money in the future. I wanted to know the reason behind the decision that no one from MoneyGram has provided me. 
On XX/XX/21, a friend of mine sent me money from back home. Today on XX/XX/21, when I went to cash the money, I was told that a problem occurred and that MoneyGram will contact the sender and will refund the money. 
While MoneyGram may retain the rights to process or decline any transaction sent through its system, it shall not violate any federal, state, or local laws. I believe that I am being discrimanated or I would like to know what I have done that restricts me from sending or receiving money through MoneyGram. I have not done anything wrong on any transaction I made through MoneyGram or any other businesses. I am subject to profiling and discrimination by MoneyGram and it is against the law. Once again, I am asking MoneyGram what terms of the agreement were violated and to stop this practice of discrimination and profiling. I am waiting to hear from your office and looking forward taking this matter before the court if your arbitration can not bring clarity to this issue. 
Thank you so much.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, Account # : XXXX, XXXX account : # XXXX, XXXX XXXX XXXX Account # : 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 privacv.

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting and XXXXt account has violated my rights. 

1 : Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3 : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX 5 : XXXX XXXX XXXXXXXX : XXXX 6 : XXXX XXXX  XXXX XXXX XXXX 7 : XXXX XXXXce XXXX : XXXX 8 XXXX XXXX XXXX XXXX  : XXXX 9 : XXXX XXXX XXXX  : XXXX 10 : XXXX XXXX XXXX : XXXX 11 : US DEPT OF EDXXXX  : XXXX 12 : DPT EDXXXX  : XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.