davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (GA)

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

I recently lost my job and I had around XXXX left in my savings! NAVY FEDERAL CREDIT UNIT made an UNAUTHORIZED transaction of $ XXXX from my savings account to my checkings account so that they could process an auto-payment for a 3rd party account that had been charged off months ago. I call them to see what they could offer and the answer was NOTHNG! Please DO NOT OPEN account with NAVY FEDERAL CREDIT UNION if you're low income and can't afford to lose $ XXXX like myself!
Consumer complaint received 2022-03-01
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. (IA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-03-23
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. (VA)

Equifax shows that I have a collection from the XXXX XXXX. They do not have any details about the collection amount or resolution. This collection was fraudulent and was reported and removed from all three credit reporting bureaus. It never reappeared on my XXXX  or XXXX report however, it reappeared on my Equifax report a few years after it was removed. I disputed this with Equifax but they did not remove it. I dont know how I can provide proof of a negative, this collection never should have been there in the first place and was removed originally, if they want to put it on my credit report they need to prove that it belongs there. Equifax has been unable to prove anything, they do not even have a dollar amount for this collection but they still show it on my report. It needs to be removed completely, not listed as paid because thats not accurate either, the collection was never valid in the first place.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

Date opened XXXX XXXX debt allegedly owed {$260.00} y consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt cease and desist letter has been sent
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

As a incoming freshman at XXXX XXXX XXXX XXXX  from XXXX to XXXX, when I apply for financial aid to get into college, My mom and I applied for the federal pell grant which I did qualify for, and it covered everything i needed for school, but when it was time to sign the paperwork to complete the process to receive the federal pell grant, it was said to me that I qualified for the federal loan as well. So coming from a low-income single family home, and to be told that I come receive {$6000.00} thousands dollars each semester for 4 years, I feel as though I was pressured into getting the federal loan, because it wasn't explained to me about the obligations that came with getting a federal loan, the only explanation that I received was, the amount of money I would receive in addition to the pell grant and that the loan money was extra money I could pocket. Now being a incoming freshman who needed money coming from a low-income single family home, yes I took it, who wouldn't. 
If I had known about the obligations of a federal loan, I wouldn't have considered about taken the loan, because coming from a low-class income single parent home, I knew my mom or me wouldn't been able to pay it back. 
Now I find it difficult to pay back the amount of money I owe on my loans and build my credit to lenders qualifications, because my student loans blocks me from getting money to build a future for my family. 
So i'm asking if I could get considered for the student forgiveness program
Consumer complaint received 2021-05-03
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

The usbankreliacard that my unemployment benefits are deposited to is constantly locking the account for random reasons. It declines automatically if the transaction is processed as a credit transaction and will lock your account after three declines. It will also randomly lock when you try to transfer the money to another account.

When this happens, it is almost impossible to reach a human in the customer service line. I have waited four hours before only to be hung up on. And when you can reach s person, they tell you theres nothing they can do, to submit your id to some department and it will take a few days to be unlocked. This is unacceptable when unemployment is the only money some of us are receiving currently. 
This nonsense now has me getting evicted because my landlord doesnt believe that my account has been locked this long.
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Creditly Corp. (CA)

After re-investigating my bank statements, I have confirmed that Credit Genie has made multiple, unauthorized charges to my bank account, even despite and SINCE my requesting and providing my information to a Credit Genie customer service agent in order to delete my account. The account had not been active since my payment back to Credit Genie on XX/XX/XXXX- which is the last valid payment due to Credit Genie, in the amount of {$34.00}. 

However, the following charges of various amounts are extremely concerning to me as a consumer who has experienced financial fraud on my bank account between XXXX - XXXX. 

Here are the following charges that were NOT authorized by me. I would like to request an immediate refund of these charges : XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$4.00} XX/XX/XXXX - {$76.00} XX/XX/XXXX - {$4.00} XX/XX/XXXX - {$4.00} ( after 5 months they began charging my account again out of nowhere ) XX/XX/XXXX - {$4.00} Again, the last valid payment that I authorized & made to Credit Genie is dated XX/XX/XXXX in the amount of {$34.00}. 

Attached is an email indicating a Credit Genie customer received my request and asked for my information in order to delete the account. I emailed in response and did NOT receive a response, nor confirmation, nor refund. 

I am requesting for Credit Genie to refund me ALL of the aforementioned charges immediately AND to cease the charging of my account and delete my customer profile immediately ( all my personal and bank information ) in their system. 

Should my request for refund and the ceasing of using my account be ignored, I will be pursing legal action for the financial damages owed to me.
Consumer complaint received 2022-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I have been with FedLoan and pursuing Public Student Loan Forgiveness since 2017. I am fully eligible to have waiver payments added to my count and there has been absolutely no movement in my account. There are people who just recently consolidated to FedLoan and are already seeing updated counts and forgiveness. That is asinine when I have had the correct loan type for 5 years. I submitted another PSLF form two weeks ago to possibly trigger some type of actual review of my account but it seems itll be several more months despite new customers being automatically forgiven. I expect an updated waiver applicable count in order to make immediate financial and tax filing decisions especially in light of my adherence to all PSLF program rules for many years.
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (NC)

When verifying my credit score in XXXX XXXX I observed that I have innumerable requests for credit intagacion which I have not made, mostly they are from car dealers, since I do not need to do them because I have a car. 
I was a victim of identity theft in the Equifax XXXX case and I am in the class lawsuit against Equifax. I have contacted some of the auto dealers where they have checked my credit and they do not have evidence of my identity as a license copy. driving, I request that these inquiries be withdrawn from my credit, thanks, XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-29
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. (IN)

Experian, XXXX, and XXXX are continuing to report a past account with XXXX XXXX XXXX as a charged off account. This account has been paid in full via a garnishment from my paycheck, initiated by their lawyers. 
As I subsequently dispute the findings that Experian comes back to me with, they refuse my electronic dispute on their website stating that this has already been resolved. XXXX  and XXXX  have also not removed it based on the information XXXX is providing them with. 
According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer by not providing the credit bureaus I have disputed this with the correct information and Im requesting legal action to remove this account immediately.
Consumer complaint received 2024-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (TX)

I accidentally clicked a link within the financial institutions application regarding payoff. Then get a call from a local dealership wanting to know about this accidental click saying they heard I was looking for a payoff balance and that I may be looking to buy another vehicle. 

This is XXXX party disclosure and should be stopped immediately. 

It would be as if I asked payoff on my house mortgage and not then start getting calls from real estate agents.
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: eMoneyUSA Holdings, LLC (WI)

I sent a letter stating I no longer authorize automatic payments as a third party was to take over and make payments for me. emoneyusa contacted me and told me that they do not work with third parties and if I was to do that option they would report my loan as defaulted on my credit report and in collections. After numerous emails threatening me to pay I arranged a payment plan with them. The payment plan was XXXX payments of {$94.00} at an interest rate of 100 %. I later got an email stating that the percentage was decreased to 200 %. I emailed and said to provide me with the remaining balance and not to use the account on file as it was being closed. They continued to do an ACH twice after there were told not to. Finally I spoke to an individual and asked for documentation for the payment plan and interest rate. The response I received was " I do not have any paperwork to give, everything is online since we are an online loan company.. You can see the payments, The interest rate was lowered and you were placed on a payment plan. iF you wish to save the account from collections please call customer service at XXXX, if no payment or arrangement is made then the account will move to collections. '' I am now speaking to their collections department and asked for the same thing, they sent me a screen shot of payments and the interest rate on top. I am continuing to speak to emoneyusa via email and arranging payment with the remaining balance to clear this mater up. I then recieve a text message from this company stating " XXXX, I've received the ok from management to cut your loan payment in half. Nothing is due today. Reply ASAP by text or phone to set this up before this offer expires. XXXX collection 's supervisor eMoneyUSA ''. I replied back and said yes lets set it up. The reply I get back is " XXXX your eMoneyUSA account has been forwarded to my office for a final recommendation to proceed with further action on your account due to a breach of legal binding contract. Ad of today balances at default is {$770.00} I can freeze your interest so that all payments get applied directly to the balance. Here are a couple of options that might help you : Option 1 : settlement of {$650.00} with a credit removal or Option 2 : Balance in payments of {$110.00} biweekly. Which options works best for you? '' I continue to get different answers and different options from eMoneyUSA and are continuing harassing me. I am trying to resolve this debt but feel I am being lied to and not following through on a previous arrangement.
Consumer complaint received 2024-07-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

US Bank had no difficulty transferring TWO payments from my checking account via instant electronic transfer, but when they finally acknowledged they had inappropriately transferred twice, only agreed to send a CHECK refund of the duplicate withdrawal via XXXX after ten days + XXXX time, rather than use their resources to return the extra payment at least as quickly they extracted it from my checking account.
Consumer complaint received 2020-09-13
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: Experian Information Solutions Inc. (VA)

THIS IS MY SECOND COMPLAINT WITH EXPERIAN REGARDING THE SAME DISPUTE. 

EXPERIAN DID NOT REVIEW MY FIRST COMPLAINT BECAUSE THEY CLAIM THAT MY IDENTIFICATION CAN NOT BE VERIFIED AND HAVE DECIDED TO TAKE NO ACTION REGARDING MY DISPUTE. 

MY DOCUMENT SUBMISSION IN MY FIRST COMPLAINT CLEARLY STATES MY IDENTIFICATION HAS BEEN VERIFIED AND AUTHENTICATED BY A PUBLIC NOTARY OVER 5 TIMES DURING THE COURSE OF THE LAST 11 MONTHS. 

IN ADDITION, EXPERIAN RESPONDED TO MY LAST WRITTEN REQUEST WITH NO OBEJCTION TO MY VERIFICATION OF IDENTIFICATION I have repeatedly tried to dispute the incorrect information with the Credit Agency 's with little to no progress. I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize. After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 611 ( a ) ( ( 7 ). The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint.
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am trying to get it removed off my credit I am XXXX on XXXX I dont have the money to pay the loan it will take me a lifetime and I will be XXXX and gone and still off I can not pay this so I asked the company can they please remove it off my credit they will not remove it I am struggling its a lot of pressure on me and my finances please please remove off my credit thank you.
Consumer complaint received 2021-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (TX)

I graduated from law school in XXXX of XXXX during the beginning of the Covid outbreak. After graduation I am entitled to a six month grace period before debt repayment is to begin. However, due to the Covid student loan relief program ; I am not due to enter the repayment phase until XX/XX/XXXX. 
Despite these forbearance against student loan collections until XX/XX/XXXX, I have been contacted by phone several times by my loan service provider, Nelnet, starting as far back as XX/XX/XXXX at XXXX. The calls that I chose not to answer because of the forbearance program were then followed with voicemail. The calls come at inconvenient times and are erratic in nature. 
For instance, I was contacted and left a voicemail at XXXX on XX/XX/XXXX ( my birthday ), XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX ( today ) only to discover that it was an automated recording that I have heard during each and every voicemail, as they must think that I am incapable of remembering the information the first time I received it. 
I am currently studying to take the Uniform Bar Exam again in XXXX of XXXX. The calls have been significantly distressing and only serve to exacerbate an already extremely stressful period in my life. To make matters worse, the calls seem to coincide with the period where I was studying for the XX/XX/XXXX Exam, and the day after I had received news that I did not pass the XXXX exam. 
The continued unsolicited communications by Nelnet have furthered my stress to a point where I am worrying about the next call, as well as their increasing frequency, rather than focusing on studying and I fear that this harassment will only increase as the deadline approaches and I should be solely focused on passing the exam. 
I have been losing sleep, and having anxiety attacks from these harassing calls and I fear that they are having a detrimental impact on my mental health.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Transunion charged my credit card for a purchase I was unaware I was making. Inever seen any invoice or contract stating I would be charge to gain entry to my account which I thought was free. Now I ahve been charged XXXX for information I already knew. Not only this XXXX and transunion credit scores are XXXX points different than XXXX. I am needing purchase a hoomme and I am being locked out because of this difference. Everyone of these lenders are using XXXX or Transunion so you pay enormous finance charges. This needs to be fix by someone. The poor people who are needing cars and homes finaceed are the ones who are being put in position of paying outrages finance charges. This makes no sense lenders charging the poor more for credit yet they say your credit scores are low. Does not add up chrg9e you more so you have a harder time paying. Anyway, I do not know why I was charged this fee to log onto a account i already had. And if someone can help poor people have a chance for fairness then we all will be betterr for this.
Consumer complaint received 2022-04-26
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)

In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions