davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (CO)

I was called and harassed repeatedly by Aargon Agency. When I asked for a proof of debt, I was refused. Little did I know at the time that was illegal.

I then received a notice that they'd posted it to my credit report as a collections without any proof of debt sent to me. So I reached out to Aargon to ask for proof of debt. Once I made it known I knew it was illegal to refuse that to me, I was told that even if I pay this off, it won't be erased from my credit report, which is not okay given that I asked for a proof of debt multiple times and I was refused. All I was trying to do was validate the debt. now, it is on my credit for the next seven years because they didn't abide by the law. 

I still have yet to receive proof of debt from Aargon Agency.
Consumer complaint received 2019-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (MN)

I had taken out a {$500.00} MoneyLion installment loan via their app back in XXXX of 2019. The most recent balance as of XX/XX/2019 was {$410.00} and change. The payment was submitted to pay it off out of my MoneyLion Checking account which is through XXXX XXXX XXXX. 
My direct deposit went into the account by XXXX XX/XX/2019 and MoneyLion holds the funds until my official " check date '' which is Wednesday, XX/XX/2019 ( today ). By holding the funds they caused the payment for the loan payoff to be rejected NSF and returned, incurring a {$25.00} NSF fee. I contacted MoneyLion to explain that they money was there, but was being held by a loop hole that a lot of major banks use in their checking account systems. 
The rep initially stated he can remove that {$25.00} fee early in the call, which I thanked him for. He then later put me on hold and came back to state that since they sent my loan nsf to their " internal collections department '' that he can't remove the {$25.00} fee, owning up to lying to me on the phone about what he could or could not do. 
He then suggested I pay the fee, then ask the next department to remove it, which I will not pay the fee as the funds were there, but were being held by MoneyLion itself.

The loan was from them, the checking account is with them and they held my money separate from my loan payoff in order to charge me the fees that I am complaining about. 

Also related to this issue was back In XXXX of 2019 I asked MoneyLion to  stop withdrawing my loan payments from my XXXX XXXX account as I was going to discontinue use of that account, they would not give me the option to change the payment source so I contacted XXXX XXXX, in which XXXX XXXX returned those payments back to MoneyLion. I contacted them and it was not until then was I able to update my banking information to my MoneyLion checking account for the payment.

They may report me to my credit bureaus for missing a payment which was in fact not missed, they just refused to take it from the account I requested. This issue violates Federal Law. If a consumer notifies a financial institution that they wish to stop automatic withdrawals, they have to honor that.
Consumer complaint received 2024-02-19
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. (IN)

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/year>, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers ke me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2019-05-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (FL)

5 years ago XXXX called me and told me i was eligible for student loan forgiveness. i paid XXXX a month for the first 12 months and then XXXX dollars ever since till XXXX of 2018 when i found they were being sued by the federal government, not sure what to do know i have auccered and extra few XXXX dollars in interest i thought they were paying.
Consumer complaint received 2018-06-06
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. (NY)

I filed 3 disputes with collection agency and have been in contact with creditor several times. I do not owe money on the old account. My contract expired, i did not renew and company owes me my security deposit. Credit bureau refuses to remove the inaccuracy
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these accounts from my credit reports. 

1. ) XXXX Account Number : XXXX 2. ) XXXX XXXX  Account Number : XXXX 3. ) XXXX Account Number : XXXX
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

In XX/XX/2019 we were told by XXXX XXXX XXXX my mortgage was being sold to Rushmore Mortgage and they would contact us. It took 2 months before we were contacted by Rushmore on where to send our payments. Once we received the address we fedex 'd a check to Rushmore.  During that process there was still 3 months they were saying we needed to pay them. At that point we entered into a repayment plan. My problem here is Rushmore is showing me currently 90 days past due and then 60 days past due before that. I have done everything I'm suppose to do and I'm asking that the 60 and 90 day lates removed from my credit report due to our repayment plan agreement.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (TX)

I reached out to the company by email but have not reviewed any response ... 

I have a personal loan with the lending club, when covid happened I lost my job they worked with me but increased the amount that that i owe by about {$3000.00} attaching on extravagant interest, I still continue to pay.. I contacted them and asked them if I could defer a payment they stated yes, but it would cost {$900.00} to do so on only ( one {$380.00} payment ) so I said no I can not afford anymore internet, I will attempt to pay and they stated on a recorded line as long as i pay my regular monthly payment each month even if it is 30 days behind they would not be reporting late to credit bureaus due to job loss and covid ... however yesterday, XX/XX/2021 they reported to each bureau that i am 30 days late to all my credit bureaus even though I am paying as I said I would ... they lied! Destroying the credit I had worked so hard to build back up!
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trans union / XXXX XXXX XXXX reporting different and inaccurate in formation of XXXX XXXX XXXX  account OPEN '' DATES are all different REPORTING, Trans union reporting open date as XX/XX/2018, XXXX is reporting open date as XX/XX/2018 and XXXX reporting XX/XX/2018, this is a violation of the FCRA accuracy and fair reporting also all dates of last activity and dates of last payments are all different
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (LA)

At XXXX am on XX/XX/2022, I received a phone call from a man calling from XXXX XXXX ( XXXX ) stating that I owe {$1.00},??? for an outstanding debt for my PayPal credit card that hasn't been paid in quite some time. I notified him that I do not have a credit card, loan, or outstanding debt with PayPal. He then asked me if I could verify my address associated with my PayPal account. I told him that I am not familiar with his company or the debt that he is attempting to collect, so I will not be providing him with any of my personal information. He asked me if I was refusing to verify any information and to resolve this situation and I told him that is correct. After getting off the phone with him, I called PayPal to notify them of the call I received and to verify that there is no outstanding debt on my account. PayPal stated that my account is in good standing and that I have no outstanding debt.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I'm writing to whom it may concern.

I submitted information to the credit agency about removing inaccurate information on my credit report. I asked for the credit agency to verify the inaccurate information. It's been over a year now and still there reporting the information and its affecting decision making with financial institutions.

if someone can assist me in this it would be greatly appreciated thanks
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Credit reporting agency incorrectly keeps reporting a collection account from XXXX XXXX on my credit report. It shows the balance being updated in XXXX for {$680.00}. I asked for this debt to be verified and because XXXX XXXX has not provided any proof of this debt or verification, it should be removed. Credit reporting agency keeps reporting it as true and on my report although it is not and has not TRUELY verified the actual debt from the debt collector.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consolidated Management Group, LLC (CA)

Consolidated Management Group Called me XX/XX/2018 and told me that they were attempting to collect debt for XXXX XXXX, XXXX and that I owed {$240.00}, and the male representative at the time said if I didnt make a payment that same day on the phone that consolidated management group was going to send an investigator to serve me papers to pay what I owe and additional {$200.00} dollars because he had to come out to my house to serve me the papers. Way before I spoke with the representative a man said he was on his way to serve me debt collections papers and in order for him not come and serve them to me, that I would have to speak to a representative from consolidated management group. I called the phone number he had given me and thats when I was being threaten, and I didnt have enough money to give him the full amount. So, I tried to make a payment arrangement and he said no that he wasn't going to work out a payment plan with me but that I would pay him {$150.00} that week, and again he tells me and if I didn't they would send the investigator a long with the debt and I would have to pay him the full amount and on top of that the {$200.00} dollars for him coming out to serve me. That week I paid him the other half even when I was short on money, after, I had to go to my doctor for XXXX because I was afraid that they were going to send the investigator. My doctor from XXXX XXXX prescribed me XXXX pills. Then 2 weeks later on XX/XX/2018 my parents were going on a trip we left pretty early in the morning and I hadn't get home until XXXX. I checked the phone messages it was the same male representative from consolidated management group telling me if I didn't comply with the agreement he was going to send the investigator the following week if I didn't get back to him. I also noticed on the caller Id he called me four times a minute a part from each other. When I called him back I told him I wasn't able to make the payment and he said to me " oh well I guess I have to give your debt to the investigator so he can serve you the papers ''. I explained to him that I lost my credit card payment and that I was expecting the new card next week. He proceeded to tell me and yell at me if I didn't follow the agreement that he was going to send the investigator. 

This was unethical and abuse of business practice I shouldn't have to go to my doctor to get treated for XXXX because of threats from this company and its team member. I received a letter from consolidated management that I paid it in full the whole {$240.00}. I tried to down load it on my computer but I have trouble downloading the document in question.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, and XXXX have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18, Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I currently have a foreclosure schedule for XX/XX/2022. I have been trying to get in touch with the " Substitute Trustee XXXX XXXX XXXX XXXX XXXX, who I am assuming is the same as " XXXX XXXX XXXX XXXX, as they have same contact phone number and business address. On XXXX, XXXX 2022, I spoke to " XXXX no last name, no job title, who confirmed the sale and I advised XXXX at that point that her company ( Trustee ) had not certified the foreclosure and they needed to cancel the sale. I have left XXXX message and spoke to XXXX on XXXX occassion 's and the last she actually hung up on me without answering my question. It is Virginia State Law that I must be notified by Certified or Registered mail. The Trustee could not give me the document number and my local post office stated that they did not have any certified mail come into my address in XXXX nor XXXX. There are things also about this foreclosure that makes me feel like it's not a legal foreclosure. I did some comparisions with the other foreclosures and these documents are including grantors who are no longer involved with this mortgage. For, instance a company by the name of Mortgage It. They sold the mortgage to XXXX XXXX XXXX and what is even more strange is WHY isn't XXXX XXXX listed on these documents. I want XXXX XXXX XXXX and SPS have to answer at least on question, What happened to all of the money that was sent to them to pay my mortgage payments. It went into a SUSPENSE ACCOUNT and then disappeared. I am at this point done done done done. I am prepared to move forward in a HUGE HUGE lawsuit. Based on, Banking Fraud, Lending Fraud, Mortgage Fraud, Wire Fraud. It ; XXXX prepared and ready to submit. They can give me a clear dead and title to my home, and XXXX XXXX Dollars, and I will hand over everything I have and not sell it to the news media. I can only imagine what will have to their STOCKS when the public see what they did. So, my complaint is : Virginia State Law says, I have to be given notice by way of Certified or Registered mail and that did not happen.
Consumer complaint received 2018-06-06
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. (OR)

I have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.
Consumer complaint received 2024-02-19
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name : XXXX, XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  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.
Consumer complaint received 2021-02-20
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. (OH)

Transunion, XXXX and XXXX is in serious violation. They received my XXXX ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. Not following Federal Law makes Transunion Criminally liable. Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Transunion written permission/ consent to report anything on my consumer report. No consent means Identity theft which Transunion can be held criminally liable Transunion, XXXX, And XXXX is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2019-03-06
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. (FL)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX  opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX.