davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2016-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CASHCALL, INC. (CA)

I was contacted at my workplace by XXXX XXXX Attorney XXXX XXXX on XXXX XXXX, XXXX. When I spoke with this employee she stated she was collecting a debt from Cashcall, and would like to no what are my intention of taking care of this matter. I explain my circumstances preventing me from continuing my payments. This employee begun to make threats of legal action of garnishing all my wages where I would have no money.She stated I owed {$5000.00} then {$11000.00} During the conversation I requested for validation of this debt she stated it was sent which I explain I did not recieve it.. I asked where they were located, XXXX County Ca and was told she had the right to sue then she continue to get hostile and hung up. I immediately called Cashcall and spoke with XXXX was told my account balance at that time was a payment for {$120.00} had posted on XXXX/XXXX/XXXX another payment XXXX/XXXX/XXXX {$910.00} the orginial loan amount was {$2500.00}, {$1100.00} was returned. XXXX explained that my account had a principial amount of XXXX and interest XXXX and they had sold my account to XXXX XXXX XXXX/XXXX/XXXX. I question their identity and request them to cease contact at my workplace. I have research them through the XXXX and found they have had numerous compliants.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud
Consumer complaint received 2021-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I attended XXXX University in XXXX XXXX, VA from XXXX to XXXX. During that time, I received yearly student loans to pay my tuition. After I graduated, I got a deferment from repayment. Unfortunately, in the 18 years since I graduated, I have lost my original loan paperwork and I don't remember exactly when I started to repay the load. 

Currently, my student loans are serviced by Navient. I started working for the federal government in XXXX. Shortly after that, I had my school loan payment automatically deducted from my paycheck. I retired in XXXX of XXXX and contacted Navient in XXXX of XXXX to find out how much I still owed on my loans. 

It was very difficult to get an exact accounting of my loan history from Navient. They sent me a two-page history of my loan payments for the years XXXX through XXXX. In addition, they sent me a very confusing printout of my loan activity beginning in XXXX. They did not explain the reasoning for how my loan payments were being applied before XXXX. 

Also, it appears my principal loan amount changed over the years. On one of the Navient reports it says my original loan amount was {$80000.00}. On that same document, it says my original loan amount was {$84000.00}. In the report they sent me that covers the years from XXXX to XXXX ( although the years XXXX to XXXX are very confusing ) it shows that I made payments every month by automatic deduction from my paycheck in amounts varying from {$310.00} to {$380.00} per month. Because the report is so disjointed, I can not be sure of the exact amount that I have repaid so far. Nonetheless, my calculations indicate that I have paid more that {$32000.00} on my school loans. However, their report shows that I still owe {$80000.00}. In other words, despite my re-paying more than {$32000.00} on this loan, my principal has only gone down about {$4000.00}. 

When I took these school loans it was my understanding that these were low-interest loans guaranteed by the federal government. I know many people have defaulted on their school loans, but I am not one of those people. I paid the required payment every month for many years. I just want my original loan amount calculated correctly and repayment be made fairly, in accordance with the intention of the loan programs. It seems to me that Navient has abused its responsibility to the students and the federal government.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and15 USC 6805 Certificate indebtedness can not be reported in Credit report
Consumer complaint received 2022-04-09
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

I had someone call me saying they were XXXX XXXX saying my account balance was past due and my services will be shut off. Then they said I had a glitch on my account that showed {$900.00} was past due. I needed to send different increments of money and they system would recognize that it was paid and then it would automatically reimburse me. The phone number the guy was using is ( XXXX ) XXXX, from XXXX, MI. I have reported this to my bank and they are making a dispute, but said it's not likely that I will get my money back. I sent a total of {$1500.00}.
Consumer complaint received 2023-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I had XXXX in XX/XX/XXXX and was out of work and asked for COVID forbearance with New Rez mortgage for XX/XX/XXXX and XX/XX/XXXX, this was approved, and the forbearance issued was for six months. I was able to resume my regular monthly payment in XX/XX/XXXX. In XXXX of XXXX, I was working with XXXX XXXX from New Rez/Shellpoint to make a mortgage loan modification as I was unable to pay the full 2 months of payment that were in forbearance at once related to a lack of income during my XXXX. I sent her all the information requested, asked if there was any other information she needed, and also asked for a callback. I have left messages with no return calls. I did not receive any further requests via email or phone from XXXX XXXX, assuming New RezXXXX XXXX had all the information needed to get the forbearance modification completed. I now have late reporting on my credit report starting in XXXX until now. I had excellent credit prior to this unfortunate illness and forbearance. If my loan modification was denied or other information was needed, I was not provided with this information or given other options to pay this forbearance amount back. Now, my credit is poor as a result of the lack of communication with New Rez/XXXX XXXX XXXX I have requested that New Rez addresses the credit reporting concerns, and asked how to resolve the forbearance amount, and again am not getting a response, I have emailed and called. I would have to take a loan out to resolve this amount if I had known the modification was rejected, as by no means did, I have control over COVID and again I was not provided with any information. Please help me resolve the issues with the past due amount showing from the forbearance and correct my credit report.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, and Proof of Address with my most recent bill. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Don't close this complaint with a reason that I need to prove my identity. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-05-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

After requesting my credit report from Transunion, I disputed items on my reports that don't belong to me and therefore considered fraudulent activity using my identity. On XX/XX/2021 I got an update from Transunion when login in to my account. It stated that " I previously resolved XXXX disputes with " Transunion '' : 1 ) XXXX XXXX ( deleted ) 2 ) XXXX XXXX ( deleted ) 3 ) XXXX XXXX XXXX deleted ) XX/XX/2021 4 ) XXXX XXXX ( deleted ) XXXX XXXX 5 ) XXXXn ( deleted ) XX/XX/2021 My chief complaint is that : My credit report hasn't been updated, nor have my credit score. Due to a complaint, I filed against Transunion, I can't help but to think am being treated bias as a for of retaliation against me due to me making complaints involving them. I originally did a dispute in XX/XX/2021 & XX/XX/2021 for all these items to be removed due to fraud!
Consumer complaint received 2018-07-08
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. (MS)

Experian is still reporting 3 accounts in a NEGATIVE status that I filed Chapter XXXX Bankruptcy on. These debts were discharged in my bankruptcy. These 3 NEGATIVE accounts have caused me to have a LOW credit score. 
The accounts are : XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

In XXXX I was evicted from an apartment. The law firm placed a collection account on my credit profile. Then in XXXX the Lawyer sold the debt to XXXX XXXX XXXX  XXXX XXXX Then In XXXX XXXX XXXX Bank sold the debt to NCB management Services. 

It has now been 12 years since the original account became delinquent and the account closed. I have contacted the Lawyer -they wont talk to me, and both collection agency. I was in hope someone would fix this. 

The account is showing it was closed and went delinquent in XXXX. If that is true then they owe me 8 years of an apartment.
Consumer complaint received 2015-10-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (CT)

Rushcard stated they would be doing a system update that would end at XXXX Mon. XXXX XXXX. They have yet to finish the update and users are shut out of their accounts, funds are missing, deposits have disappeared and no one is answering the customer service lines and if you are able to get thru after a XXXX hour hold time you are hung up on. Something must be done so that this will never happen again. People are in need of their money
Consumer complaint received 2022-04-09
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. (IL)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my info pursuant to 15 USC 1681 4. PLEASE DELETE BANKRUPTCY THAT IS BEING REPORTED.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NY)

gemini.XXXX froze my funds and didn't give me a reason why, on the app its asking me for a photo id but the app doesn't let me take the picture, all I want is for someone to respond to my email, other people have had this problem and have been waiting weeks to months with no response, I do not want to be one of those people, please help!!!
Consumer complaint received 2021-05-13
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: World Omni Financial Corp. (FL)

INFORMATION IN MY REPORT THAT IS NOT MINE AND INCORRET THIS COMPANY IS REPORTING FRAUDELENT INFORMATION SETOYOTA FIN DBA OF WOFC # XXXX ...
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to file a complaint regarding an unresolved payment issue with my Amex Delta Skymiles Gold card ( XXXX ) On XX/XX/2023 the amount of {$650.00} ( transaction number : XXXX ) I made a payment through my XXXX bank account ( bill ) to settle the outstanding balance on my American Express card. The funds were successfully debited from my account, and I received confirmation from XXXX regarding the transaction. 

Despite providing American Express with the proof of payment, including the transaction receipt, they have repeatedly failed to acknowledge the payment. I have made numerous attempts to resolve this issue by contacting American Express customer service representatives, but they have not been able to assist me in recognizing the payment. They insist that no payment was received, despite my documented evidence. 

I have also reached out to XXXX bank multiple times to seek their assistance in resolving this matter. According to XXXX, the payment was indeed processed successfully, and they have confirmed that the funds were deducted from my account as intended. However, XXXX has stated that there is nothing further they can do to help, as the responsibility lies with American Express. 

As a result of this unresolved issue, I am now in debt with American Express for an amount that was already deducted from my bank account. I have neither received a refund nor have I been credited for the payment made. This situation has placed me in financial XXXX and has caused significant inconvenience and frustration. 

I kindly request your intervention in this matter to ensure that American Express recognizes the payment made, refunds the amount deducted from my account, and rectifies the discrepancy in my credit card balance. I would greatly appreciate your assistance in resolving this issue and preventing any further financial losses on my part. 

Please find attached copies of the payment receipt and any supporting documentation for your reference. Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-09
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 — Investigation took more than 30 days
Company: U.S. BANCORP (GA)

My loan had a maturity date of XX/XX/2022. I called the company & told them I could only pay {$1000.00} for XX/XX/2022 & would pay the remaining {$1100.00} in XX/XX/2022. The customer representative told me that would be fine & no report would be sent to the credit bureau as long as the final payoff was paid in XX/XX/2022 And no late charge would be assessed. I paid the final payment on XXXX but a few days prior to that, I get a notification that my credit score had decreased like XXXX points due to my account being 30 days past due. That is completely insane & unfair on what they did to me after they said that would not happen. I have been a good, loyal customer & now have paid off the loan in full. I would truly appreciate if they would reverse that 30 day past due because it was not & that would help my credit score tremendously!!! Please Help!!!!
Consumer complaint received 2021-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I have been banking with Chime since XXXX. My chime account was hacked twice last Tuesday XX/XX/XXXX. I received a text message that my email and phone number had been changed on my chime app. I tried to log into chime and it said that I was using the incorrect log-in. This happen once at XXXX XXXX then again at XXXX. It was after XXXX and when I tried to contact Chime via phone the system didn't recognize my number because it was changed. The first time the $ XXXX was stolen Chime was able to reverse the transaction right away and give me my fund but the second time the money was gone. I sent an email to support but didn't receive a response. I was finally able to contact chime the next morning and spoke with a representative that advised me that {$10000.00} was transfered out to found and to open a dispute and XXXX change my informtion back to mine. Since then I've sent over 20 emails and spent over 10 hours on the ohine. I called Chime back only to get bounced around from person to person because the correct information was not updated in their system and they couldn't verify it was me. I finally spoke with XXXX in disputes who had me send in a photo of my ID and SS #. We filled out a dispute and I was notified that I would receive a provisional credit with 10 days, XX/XX/XXXX, is the date she gave me. XX/XX/XXXX, I received an email that Chime was closing my account for " Behavior that was not in compliance ''. Now every time I try to call I get an automated response that my account is closed and I can only contact them via email to their support. It's been 1 week and I haven't seen any resolution nor have I receive a provisional credit. It's just unfortunate that it was so easy for a hacker to access my Chime account in the first place. It seems as if there are more precautions that they hand agains me the actual ownthanthen the one who got access to my account. I just got a response from Chime from a rep name Pualie stating, " Regarding with your dispute ( XXXX ), I looked into the status of your dispute and see that you were not eligible for provisional credits due to the type of dispute you filed. Unfortunately, we do not have any additional information to provide to you and I apologize for any inconvenience this may cause. We will notify you through your email once we have an update for your claim. Thank you for your patience while we continue your investigation. ''
Consumer complaint received 2022-04-09
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX, XXXX 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
Consumer complaint received 2022-04-09
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX, XXXX 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
Consumer complaint received 2022-03-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.