davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting 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)

US DEPT ED Account # XXXX 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to IRS.gov a charge-off is considered to be ordinary income and a 1099c form was never mailed to me, this is a cancelled debt the original creditor has filed it on their taxes but are also reporting on my credit report as debt which was also paid.
Consumer complaint received 2022-05-12
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXXXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK 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 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ABR Recovery Services LLC. (KY)

I have attempted multiple times to have ABR Recovery Services quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. 
I have supplied this documentation to ABR Recovery Services and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, XXXX and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " XXXX ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (FL)

I transferred {$4500.00} from my XXXX debit account to my Chime virtual account on XX/XX/XXXX. The money posted as available the following day, XX/XX/XXXX. Chime immediately restricted my access to my account and then requested personal information which I provided, repeatedly, in order to restore access to my account. They have since ceased responding and it is now XX/XX/XXXX. They are withholding my funds, refusing to release them or reverse the money transfer, and denying access to my funds AND my account.
Consumer complaint received 2017-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IA)

As a a XXXX XXXX working for the XXXX XXXX as a XXXX XXXX, I applied for the student loan forgiveness. Loans were transferred from XXXX XXXX and XXXX to Fed loan servicing, payment decreased from {$420.00} approximately to {$300.00} per month. I was informed I was put in the wrong payment plan and only XXXX payments count towards the XXXX required payments, got an email in XXXX of XXXX that I had to switch payment plans for the payment to count. So used the calculation tool provided, decided standard repayment plan was best option, now payment is only for 27 months and payment will be over triple {$900.00} plus per month. I asked today XXXX, that The request be cancelled as it bust the family budget. I got the response that I was on a grandfathered plan and does n't exist, so stuck with the new payment even though it has not been activated yet. What a complete cluster!
Consumer complaint received 2022-05-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (OH)

I leased an XXXX XXXX XXXXXXXX XXXX  model in XX/XX/XXXX. The lease was for 3 years, ending in XX/XX/XXXX. Upon the completion of my lease, I obtained a payoff amount to buy out my vehicle. I then submitted a payment in that amount to the leasing company in accordance with their instructions. My account shows a {$0.00} balance, and the money I sent has left my account. This happened back in XXXX of XXXX. Since then, I have contacted the company dozens of times to get the title released or get instructions on additional requirements, but I haven't gotten any response. I don't know why 4 months after paying off my car I still don't have the title? I need help to get my title for a car that I have paid off.
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I had recently reviewed my credit report and i found several discrepancies in the below accounts. I wrote to each bureau to please fully validate the reported information and remove anything that they couldn't provide signed, original contracts that correlated to the accounts in question. They didn't even look into it they just reposted the discussion from before that again wasn't looked into nor did I receive the information. 


XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$510.00} written off. {$510.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX  XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$620.00} written off. {$620.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$220.00} written off. 
Status updated XX/XX/XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-05-12
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: NRA Group, LLC (VA)

In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/2022 XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX A XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-26
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. (MD)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting.

FCRA 15 USC Sec 1681i ( a ) states ; that any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in an inaccurate account.

Im requesting to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXXXXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-05-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA (AZ)

Hello My name is XXXX XXXX, I filed bankruptcy in XXXX and it was discharged in XXXX of XXXX and the trustee that over saw my case included my XXXX  education student loan through aes in my bankruptcy. It shows on my discharge paperwork. I found out last year when buying a house that they were still reporting on credit report and found out they didnt accept the discharge and kept accruing interest and just placed it on a forbearance. Now they are saying it wasnt allowed in my bankruptcy and keep making me pay at a higher interest and wont even help me out. I want to know how the current open investigation affects me? My number is XXXX XXXX XXXX. 

XXXX
Consumer complaint received 2022-10-27
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. (NV)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC (HI)

Someone claiming to be from XXXX has been calling constantly for about 2 months- most recents are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called their number ( XXXX ) XXXX ) several times, and just get a voice menu to pay now or set up a payment plan. I visited their website, and it lists a debt of {$1300.00} to XXXX XXXX, and a immediate payoff of {$390.00}. I've never even heard of that company! After having visited their website this morning ( XXXX ), I've gotten 3 text messages saying they noticed that I visited their website ( XXXX XXXX and didn't select a payment option. On top of that, for the last 2 months, they have also been contacting my relatives!
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. (NY)

Upon reviewing the personal information section of my credit report, I noticed that they were several outdated and or incorrect personal information on my credit report. I would like those items removed from my credit report due to them being outdated or incorrect. I have listed the information below : Remove the following names : XXXX XXXX Remove the following addresses : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Remove the following employers : XXXX XXXX, XXXX XXXX Also please remove the following birth date : XX/XX/XXXX My actual birth year is XXXX.
Consumer complaint received 2022-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc. (CA)

Sofi 's financial practice is deceiving and impossible to complete. We started the home refinance loan process XX/XX/2022. After locking the rates and submitting all the paperwork for our rental properties and my tax information, I didn't hear anything regarding the application process until Mid XXXX. Mid XXXX, we were notified to perform a home appraisal for our home to assess the value. We paid and the home was finally appraised on XX/XX/2022. Since then, the application has been in " underwriting process '' with the occasional documentation requirements that we would submit the same day. It's been 3 months since the appraisal and 5 months since the start of our home refinance process and yet we still don't know when the loan will be finalized. I tried to call and email various people in charge of my home loan including the financial officer and the processor, but I would infrequently get a response from my voicemails or emails. I am really hoping to just finalize this refinance process after 5 long months of not knowing what's going on.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MAS FINANCIAL SERVICES, INC. (CA)

On XX/XX/year> I made my payment of {$300.00} which covers my loan and Insurance to cover the vehicle because I am unable to afford auto insurance at this time. An hour later I received a call from a lady saying I needed to pay {$200.00} more because their insurance rates when up, when I disputed the charges and told her I never received anything in writing, she proceeded to tell me how she has to pay for insurance on her two cars!! I told her I'm low income and had to wait till my check came in, she got irate with me so I hung up on her. XX/XX/year> I received a call from a gentleman who said he was in collections and I needed to pay {$200.00}. I mentioned how they are a predatory lender, he said nobody else gave us a loan then he laughed at me when I said I'd go to another lender like I was a stupid poor person who can't afford help from anyone but them! I am a XXXX XXXX  for my XXXX wife who needs the vehicle, I make my payment every month without fail and we never received anything stating our payment was going up {$200.00}. I don't believe my credit should be attached considering I'm not even a month late.

Original payments were {$260.00} Then {$310.00} to include insurance Now {$500.00} for payment and insurance, the lady said rates went up and the guy said to include insurance. None of this doesn't make sense
Consumer complaint received 2022-09-01
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-05-12
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. (IL)

I notified Experian credit bureau of an account that someone had opened in my name. I informed them that this was the result of Identity theft and that the account is unjustly hurting my credit rating and ability to obtain credit. 

I asked them to investigate the account and provide me with information and documentation as well as names of representatives that they spoke to at the company that reported the account and to block and delete the fraudulent account from my credit report as required by law and outlined in the FCRA section 605B. 

They failed to accurately investigate the account. They did not send me any information on how they supposedly investigated the theft of my identity and they failed to block or delete the account on my credit report. I have notified them that I will now be seeking legal action to demand the removal of the fraudulent account under Section 616 & 617 of the FCRA.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

I have sent validation letters for debt attached to my name to XXXX XXXX XXXX XXXX XXXX Comenity Bank ( Kay jewelry ) and XXXX XXXX XXXX XXXX None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.
Consumer complaint received 2019-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX was when we began communicating with XXXX XXXX XXXX about our student loans. Since then, we have been making payments to XXXX XXXX XXXX as they negotiate a settlement with Navient and Sallie Mae. We changed all of our contact information on the accounts to XXXX XXXX XXXX XXXX just like they told us to do. The loans are in my wife 's name, and we did not provide any other contact information from my family to Sallie Mae or Navient. Somehow today, on XX/XX/XXXX, Sallie Mae called my stepmother to try and get her to give them my wife 's contact information so they could try and get us to pay them what we owe. This is unlawful and an invasion of our privacy as well as harassment to get us to pay them money.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I registered for an online account with MoneyGram in 2019. I tried to send a single transaction and immediately received a response that stated, " After careful review, your profile is closed and transaction declined. '' At the time it was a minor inconvenience and I sent money via another method. Now, another need to send money has arisen. I tried to create a new MoneyGram account and I was unable to. I spoke with multiple customer service agents online and on the phone, and I was told that 1 ) their " automated system '' decided to cancel my account, 2 ) they can not give me any more information, 3 ) the decision is final, 4 ) I can NEVER create an online account again, for the rest of my life, and 5 ) there is not a single person at MoneyGram who has any responsibility over this " automated system '' that could, or is willing to, give me further information, or appeal or reverse the decision.

I have been denied the use of MoneyGram 's online service via no fault of my own, with no option to appeal. I have been unjustly discriminated against, as no valid reason to deny me service has been supplied.