davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NY)

XX/XX/2017 sent a dispute letter to the 3 credit bureaus asking to verify this collection not known for me and never receive any comunication attempting to collect any amount from XXXX XXXX.

After few weeks receive by regular mail a letter with a check mark indicating the debt is mine and a statement of XXXX  dollars for a cell phone account.

I ask the credit bureaus to validate this information and Convergent fail to reply straight to the bureuas with original contract with my signature on as lroof of any debt with a cell company or any proof to owe any money to XXXX XXXX.

They never contact me or provide physical evidence of any debt related to phone company or XXXX XXXX.

Attached is a file they are indicating a debt without right validation.
Consumer complaint received 2016-06-28
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

3rd party debt collections company Portfolio Recovery Associates claim I owe debt that has aged off 15 years ago and are calling me while at work. I told them not to call me, and have added my cellphone number to the do not call registry.
Consumer complaint received 2019-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: LendUp Loans LLC (CA)

During a hard time in my life when I was unemployed I got caught up in the payday loan scheme to stay a float. I came across XXXX in XXXX, over the next year I was paying back the {$300.00} loan every week as promised. Then they push me in a large loan with longer payback period. At first this was okay, but then the interest began to accoumlated never allowing me to pay off the loan in full. Mind you in reviewing my history with them I had several short term loans all of which where paid on time and quickly, but with this longer term loan it became difficult. I tried on several occasions over the course of three years to pay it and/or make payment arrangements to settle without any results. They would began debiting my checking account so much to the point my checking account ranked up numerous NSF or over draft payment fees of {$30.00} a pop. This caused my checking account to reach as much as {$900.00} in fees causing my bank to close the account and report me to check systems. I tried to reach out since XXXX to lendup via online customer support their only direct means of communication with results. In the last three years I maybe spoken to an actual live rep 4 times and each time I was told that I had to pay the debt in full and they could reduce, settle or change payment terms. Every attempt to raise the principle amount of {$1000.00} in full was impossible. In fact this past year I attempt to pay the balance with proceeds from tax return and twice payment was reject from their system making it difficult to payoff this debt. I finally was able to speak to a live rep after several emails and was told that they would could take a payment over the phone, but that I need to have prepaid debit card, no credit cards or checking account payment. I borrowed the money and loaded it on a prepaid debit card and attempted to pay online again without success. Once again I reached out several times, the last time being on or about XX/XX/XXXX and go a rep on the phone to take a payment, but their system rejected it because they wanted need the entire balance plus interest. Fast forward, this issue has caused major damage to my credit file and fico as they continue to report current ( 120 days ) late on a four year old debt. At this point since have attempted to settle with this online lender over the course of four years without success and they have continue incorrectly report this debt current ( 120 days ) late, and that this loan is clearly and example of illegal prey of consumers for payday loans they can't afford. I humbly request this debt and line item of current, ( 120 days ) late and delinquency reporting be permanently removed from credit file.
Consumer complaint received 2015-04-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NC)

I fell behind on mortgage. I called US Bank to work out, they told me to send XXXX and I would pay a little additional each payment. Sent that amount, they returned payment to me claiming they received it late and it was not certified. I called them, they told me me I could do again but needed to pay more {$4100.00} certified, told them I would send when I got paid on XXXX XXXX, overnighted to them. It was a weekend so they received on the XXXX. Was told - sorry you needed to have it here by the XXXX - we sent to foreclosure. Now they say in order to reinstate need {$9600.00} only.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I received a letter from the Department of Education on XX/XX/2022 stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). XXXX XXXX has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( XXXX, XXXX XXXX, and Trans Union frequently. I contacted XXXX XXXX by email and phone call on XX/XX/2022, XX/XX/2022 and XX/XX/2022. The student loans with XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX student loans were discharged based on a letter from the U.S. Department of Education XXXX XX/XX/2022 stating that the Department is discharging my loans without requiring I file an application because of the per. 685.206 and / or 685.222 ). I contacted XXXX XXXX verbally and they explained that it is discharged and they will remove it from the 3 credit agencies. I sent copies of this letter to the email address for Nel net ( XXXX ). I received no responses by email, but it was conformed during phone call with XXXX XXXX that they received my letter each time. I have tried to dispute and XXXX XXXX still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with XXXX XXXX and I have no negative history. I am requesting that this be removed from XXXX, XXXX, and TransUnion.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (SC)

I am constantly receiving promotional and preapproval letters in the mail even though I have opted out of receiving any type solicitation from companies that I don't wish to do business with. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain a company 's product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. They always send correspondence that says Under the Terms and Conditions When we solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. Per 15 U.S.C. 6802 ( a ) ( b ), The credit agencies have failed to send me any form of notices giving the opportunity to opt out of any access they are giving others, more specifically their affiliates that they are allowing access to my non public personal information. As to the claim that my credit score isn't affected, that is wholly untrue as every soft pull takes away a point. In addition when my SSN is hit for any type of inquiry and I do not receive anything in return, that is securities fraud because the company is trading on the secondary market with my information that is being sold to them.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: C&I Financial, Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2019-10-10
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: CITIBANK, N.A. (AZ)

There is an unauthorized hard inquiry on my credit report from Citibank Na on XX/XX/2018. Im not familiar with this inquiry at all and not sure why it is on my credit report but i would like it removed as it is effecting my overall credit performance. thank you.
Consumer complaint received 2019-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (AL)

In XX/XX/2019 I had written a check to Advance America for a pay day loan in the amount of {$580.00}. I wasnt able to pay The whole amount back so they tried to ACH my account. It rejected and I set up to start making payments on the balance of {$580.00}. I paid {$280.00} towards the balance. On XX/XX/2019 I talked to XXXX. I told her I had {$80.00} I could bring her when I got off work. She started telling my my minimum payment was {$91.00}. I didnt have the extra {$11.00}, but I told her I would try to come up with it. I couldnt come up with it, so I wasnt able to make the payment. On XX/XX/2019 they sent in the ACH for {$580.00} to my bank account. My bank paid it in full on XX/XX/2019. They never took into account the {$280.00} I had already paid towards the balance owed. I called asking why they didnt consider the money I had already paid and XXXX told me I could just bring something showing it was paid by my bank and get a refund. Well on XX/XX/2019 I went up there for my refund. They refused to give it to me. They said they had to wait for their supervisor to approve it, or the system to let me have it. I called everyday trying to get my money back. On XX/XX/2019 my husband finally called their call center to make a complaint. The lady looked in the system she said your account has been paid and closed. She said just call up there and ask for your refund they have to give it to you. I told her I already did that and they refused giving it to me. She said they have no reason to hold onto your money. I will call the supervisor over that branch and have her over ride this. She said I will also have her call you directly when she gets out of her meeting. XXXX called me at XXXX cst she also refused to give me my money until XX/XX/2019 and told me how it was my fault they sent the check in basically. She even told me that the center lady didnt tell me they had no reason to hold my money. XXXX did not know my husband was on 3 way listening to the call center lady tell me this. XXXX also told me on XX/XX/2019 that Dotty didnt refuse my payment that I could of paid {$20.00} if that was all I had. I told her that was not explained to me by XXXX. On XX/XX/2019 at XXXX I went to my bank. I talked to them about possible rejecting the ACH. They told me it is to late they had already paid Advance America off on XX/XX/2019. They gave me a print out of my account showing nothing was pending and said take that and try again to get my money refunded to me. I did and XXXX finally refunded only {$250.00} of the {$280.00} I paid them. I dont think pay day loans should be able to send a ACH for The whole amount when someone has paid on something. This is theft! This is ridiculous I had to chase my own money around like this!
Consumer complaint received 2017-05-31
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: EQUIFAX, INC. (LA)

i filed a complaint with equifax credit bureau through a certified letter and they signed for on  XXXX   XXXX ,2017. They never disputed my complaint on my  XXXX  credit report but on my  XXXX   2017  credit report they put it back on my credit report. This is dishonest and unlawful they are breaking the law.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (PA)

I purchased a phone online from boost mobile on XX/XX/2022. I did not like it, and returned it on XX/XX/XXXX. I got a notice of delivery approx XX/XX/XXXX. To the factory. It was in perfect condition. 
XXXX refused to deal with this or refund me. 
I went to NetSpend to see if they could dispute it. They gave me XXXX credit for the refund. XXXX XXXX. 
Posted on XX/XX/2022 at XXXX PM Debit : Adjustment for Claim # XXXX - {$130.00} That is the withdrawal of the refund they issued sometime in mid XXXX for that amount. 
I returned the phone in perfect order, with all parts and receipts in original box. No one assisted me at boost customer service, or in store. 
It is wholly unfair that NetSpend reneged their refund without any reason to me XXXX XXXX XXXX
Consumer complaint received 2017-05-31
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. (WI)

I have been dealing with this student loan for about 6 years now, originally through  XXXX   XXXX , then through  XXXX  and now through Navient. I paid my student loan off to the school,  XXXX , which is no longer a school anymore. I made payments in  XXXX  and  XXXX  of almost {$2000.00} and then more payments through those 2 years of about {$450.00}. I only attended that school for half of the program and am being told that I owe the entire programs loan amount.   I have tried to get in contact with Navient about what payment history they have for me, and to explain how I owe the money they are claiming, but no one will respond to me.
Consumer complaint received 2015-09-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (GA)

I applied for and received a Genesis Loan to attend XXXX PA XX/XX/XXXX. I applied for the Genesis loan because I was told it was my best option to get funding for my education. During my time at XXXX, I paid on interest on my Genesis Loan. I also had to reapply for a second loan to finish out the school year/education. Recently there has been a lawsuit against XXXX XXXX, owner of XXXX and other schools. They were told to pay 40 % of students loans who had gotten Genesis loans. When I found out about it, I inquired why I had not received the 40 % forgiveness. I was told that I never had a Genesis loan. I asked how that was possible since everything I signed at school was for Genesis or a federal loan. I was told they just serviced the loan. I asked who the owner of the loan was and they gave me a name but they could not give me a number/address/website or any information regarding how to contact the owner of the loan. I decided to file a complaint. I got a response from Genesis that they never owned the loan and would request the loan be taken off my credit history. Due to my work, I did not have the time to gather the information I needed to file a dispute to their claim. After I filed the complaint, I received a letter from Genesis stating that they would no longer be servicing my loan XXXX. I had never heard of XXXX before Genesis told me about them. I have tried to contact XXXX XXXX XXXX to get a copy of my original loan information but that has led to no where. The research I have done into them has proven no known employees, no phone number and no website that I can find. I started looking through my taxes and emails and found my student loan statements XX/XX/XXXX. It shows the lender of my loans. My federal loan is owned XXXX. My private loan was owned by Genesis Lending XXXX. The emails I found are from a Genesis email account, asking my father to finish his cosigner application online at the Genesis website. I believe Genesis Lending has falsely moved owner ship of my loan to avoid forgiving 40 % of my private loans.
Consumer complaint received 2021-06-15
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 have been dealing with ongoing issues between you guys verifying my information and the credit bureaus posting inaccurate information on my credit file which has made my life very uncomfortable and has stop me from multiple opportunities. I am sending this follow up complaint after about 4 previous complaints to remove all inaccuracies and errors off of my credit report it is stated in your mission statement that you help consumers to be treated fairly between the business of the average XXXX and the big bad bureaus. I would suggest a fair resolution would be to look into the previous times Ive sent complaints, look into the details of my complaint and you will see where the rules arent being followed on the bureaus parts and the unfairness of it being at my expense. I would really ask that this be expedited just for the back and fourth and distress I have had to endure.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with fraud alerts or security freezes. 


PER COMPANY 'S RESPONSE, I WENT TO THEIR WEBSITE TO SUBMIT REQUESTED DOCUMENTS ONLINE, AND KEEP GETTING AN ERROR MESSAGE. I HAVE ALREADY SUBMITTED THESE DOCUMENTS IN THE PAST AS WELL. THEIR WEBSITE DOESN'T WORK PROPERLY FOR ME TO SUBMIT MY DOCUMENTS TO HAVE FRAUD ALERT REMOVED! I NEVER REQUESTED A FRAUD ALERT. THE FRAUD ALERT IS BE SENT TO EXPERIAN FROM XXXX. EVERY TIME I DISPUTE SOMETHING ON MY XXXX CREDIT FILE, THEIR SYSTEM PUTS A FRAUD ALERT ON MY FILE AND SENDS THIS INFORMATION OVER TO EXPERIAN AND XXXX. HOWEVER, XXXX DOESN'T ADD THE FRAUD ALERT AS I'VE EXPLAIN THIS TO THEM AS WELL, BUT EXPERIAN ALLOWS FOR THE FRAUD ALERT TO BE PLACED ON MY FILE WITHOUT EVEN CONTACTING THE CONSUMER. THEN ME AS THE CONSUMER HAS TO GO THROUGH ALL THESE UNNECESSARY HOOPS TO HAVE THE FRAUD ALERT REMOVED. I'VE VISITED THEIR WEBSITE EXPERIAN.COM/UPLOAD TO UPLOAD MY I.D./BANK STATEMENT/LETTER REQUESTING TO REMOVE FRAUD WHICH THEY ALREADY HAVE ON FILE. BUT THEIR WEBITE IS NOT ACCEPTING MY DOCUMENTS, SO I AM GOING TO ATTACH THEM TO THIS COMPLAINT!!
Consumer complaint received 2019-10-10
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. (GA)

XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXXXXXX XXXX XXXX XXXX Account XXXX Date openedXXXX  XXXX, XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX  Account numberXXXX Date openedXXXX XXXX, XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} XXXX XXXX XXXX Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account number900000XXXXXXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX TRANSUNION : XXXX XXXX XXXX Account XXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX : XXXX XXXX XXXX  Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (MI)

I sent in a my payment in full to close the account XX/XX/XXXX. 
I called fortiva today and they wouldnt give me any sort of payment confirmation even though they can confirm they recieved the payment - they said they didnt get the funds for a month - XX/XX/XXXX. Which is incorrect. I sent this in on XX/XX/XXXX. 
They wouldnt provide anything to me, not my mail, fax or email to show me the account is paid in full so I can send this to the credit bureaus to improve me score. 
This is unfair. I sent payment and cant have any sort of confirmation in writing to help my score improve. 
Confirmation number from fortiva is XXXX that they receieved my payment.