davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
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)

My student loans were consolidated in XXXX to XXXX XXXX XXXX XXXX. They have reported 3 months of late payments that were not late payments. I am attaching the forbearance letter. Also, the amount of the loan is incorrect. I joined the XXXX XXXX XXXX on XX/XX/XXXX. I was XXXX XXXX from that date until XX/XX/XXXX attending boot camp my trade school. I switched to the XXXX XXXX on XX/XX/XXXX. XXXX XXXX and XXXX did not make sure my loans were all below 6 % as per the Servicemen 's Civil Relief Act.  therefore, my consolidated loans need to be re-calculated correctly. I told XXXX XXXX and they sent me a letter stating that I did not meet the requirements because of the dates of the loan. that is incorrect due to the fact that I received the loans before my XXXX XXXX military service. My student loans started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two loans on XX/XX/XXXX, The loans were on forbearance. I have been disputing with XXXX, Equifax, and XXXX  since XX/XX/XXXX, and they all have come back and said that information has been verified each time I dispute it.
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, my brother in law mistakenly filed a fraud claim against a Venmo transaction. After a lot of back and forth Venmo determined I had no choice but to wait until the claim was resolved by my brother in law 's bank which is XXXX XXXX  XXXX. My brother in law WITHDREW the claim. On XX/XX/XXXX XXXX  XXXX XXXX sent a notice to my brother in law that the claim had in fact been withdrawn and then they took the money out of his account. This should have cleared up the negative balance on my Venmo account as per the bank, Venmo has received the funds back. Shortly thereafter on XX/XX/XXXX I received a notice from Venmo that this claim had been resolved in my brother in law 's favor, which is not at all accurate. Venmo is XXXX  dipping and holding on to other funds of mine all while getting the money back from XXXX  XXXX XXXX. I am attaching the complete XXXX XXXX showing that XXXX  XXXX XXXX shows the claim as XXXX, has reversed the temporary credit and that Venmo is still holding on to my funds. My brother in law has provided me access to all notices in regards to this and I have attached them here. As XXXX  XXXX XXXX has already taken the money and I keep getting nowhere with Venmo, my brother in law and I have called XXXX  XXXX XXXX again XXXX  on XX/XX/XXXX and XXXX  XXXX XXXX said the following " XXXX has stated that they have sent the funds to the banking service that Venmo uses. They noted that it can take XXXX days to go from the bank to the vendor, and are advising to have us or Venmo reach out to their bank to inform them the case is closed. '' I submitted a prior complaint to the CFPB and Venmo called me and said I could continue to wait and see if the money showed up in my account, but the money has not showed up in my account. Venmo continues to simply close CFPB complaints without any resolution and now it has gotten to the level of stealing as they have money they are not returning. I have a full XXXX XXXX showing Venmo HAS received the funds. 

It has now been over XXXX  days since the funds were returned to Venmo. After calling the bank again, they state the have confirmation Venmo has received the funds. Venmo is committing fraud and someone in the company needs to investigate this further. There can not be money they just hold on to because no one is willing to do the legwork.
Consumer complaint received 2020-07-07
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. (GA)

These are fraudulent accounts and need to be removed ... .please be advised that I have supplied all the proper documentation ... ..see below : Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX XXXX XXXX XXXX  # XXXX {$810.00} XXXX XXXX XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX # XXXX {$630.00} Inquiries : XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] XXXX  Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  XXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-02
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. (AR)

XXXX and I had an agreement in 2018 to pay a total amount for the debt to be cleared. The debt was paid as agreed and I have tried to dispute this issue with TransUnion prior. TransUnion LLC has the debt on my credit report and it should not be. Specifically, the account should read Paid as Agreed and closed- in good standings. This is not what is reflected on my credit report. I have good credit and this is causing my score to be considerably lower than the other reporting agencies. Also, when I disputed this item with TransUnion I received no communication nor a copy of my credit report that I am legally entitled too. I have attached supporting documents.
Consumer complaint received 2020-05-17
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: United Consumer Finance, Inc. (MA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2024-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Midwest Loan Services, Inc. (IN)

My mortgage loan is currently in foreclosure and is serviced by Midwest Loan Services ( MLS ), with a sale date pending for XXXX. I have requested a reinstatement figure ion writing on numerous occasions and MLS has refused to provide it. Per 24 CFR 203.608, The mortgagee shall permit reinstatement of a mortgage, even after the institution of foreclosure proceedings, if the mortgagor tenders in a lump sum all amounts required to bring the account current, including foreclosure costs and reasonable attorney 's fees and expenses properly associated with the foreclosure action, unless : ( a ) The mortgagee has accepted reinstatement after the institution of foreclosure proceedings within XXXX years immediately preceding the commencement of the current foreclosure action, ( b ) reinstatement will preclude foreclosure following a subsequent default, or ( c ) reinstatement will adversely affect the priority of the mortgage lien. MLS is also in violation of CFPB 1024.36 of Regulation X, which states The mortgagee ( lender ) must permit reinstatement even after foreclosure proceedings have begun. The homeowner can tender a lump sum payment covering all amounts required to bring the account current, including foreclosure costs, attorneys fees, and related expenses. A servicer must comply with the requirements of this section for any written request for information from a borrower
Consumer complaint received 2020-05-17
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. (CA)

My student loans were consolidated in XXXX to XXXX XXXX XXXX XXXX. They have reported 3 months of late payments that were not late payments. I am attaching the forbearance letter. Also, the amount of the loan is incorrect. I joined the XXXX XXXX XXXX on XX/XX/XXXX. I was XXXX XXXX from that date until XX/XX/XXXX attending boot camp my trade school. I switched to the XXXX XXXX on XX/XX/XXXX. XXXX XXXX and XXXX did not make sure my loans were all below 6 % as per the Servicemen 's Civil Relief Act. therefore, my consolidated loans need to be re-calculated correctly. I told XXXX XXXX and they sent me a letter stating that I did not meet the requirements because of the dates of the loan. that is incorrect due to the fact that I received the loans before my XXXX XXXX military service. My student loans started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two loans on XX/XX/XXXX, The loans were on forbearance. I have been disputing with Transunion, XXXX, and XXXX  since XX/XX/XXXX, and they all have come back and said that information has been verified each time I dispute it.
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Hello- XXXX of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX. As a matter of fact, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) were investigated by the Federal Department of Education. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as The XXXX XXXX XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against The XXXX XXXX XXXX XXXX, and my Federal loans of {$34000.00} were discharged and my credit repaired. 
My XXXX XXXX XXXX was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXX settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to " select '' students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to " prove '' anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online " for profit '' colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online " for profit '' schools NOW! 

Thank you! 

XXXX XXXX XXXX XXXX : Loan Number : XXXX Loan Type : PRIVATE Current Owner : NAVIENT PRIVATE LOAN TRUST Current Payoff : {$34000.00} REFERNCES : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-10
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. (MD)

I have been in contact with Transunion and XXXX  about hard inquiring that I did not authorize. I have explained to them that I did not authorize these transactions. Both told me to contact the company and see what information they had. None of the companies had any information with my name or social security number attached to it. I then called them back and they are still asking me to do the same process that was already done. I feel like I have been treated unfairly abs discriminated against. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC (NC)

I have a charge on my credit report stating I have an account in collections with Omega RMS. It shows that I owe over $ XXXX. This is a bogus charge. I called Omega RMS and they stated they do not have an account with my name on it, however it is on my credit report. I have never heard of Omega RMS prior to finding this charge on my credit report. I want it removed immediately. All of my accounts are in good standing and I have nothing in collections. I have no supporting documents because I have no account/experience with Omega RMS.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Dynamic Recovery Solutions, LLC (VA)

Collecting agents keep calling my aunt instead of my personal phone number, and keep talking to them about my debt and I do n't know how they got her phone number the worst part is that she has a XXXX old baby and they keep calling at night asking for a payment. They said they have send letters which they have n't at all.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I am filing a dispute against Mercantile Adjustment Bureau , LLC, for their failure to validate a debt and for harassing phone calls. Additionally, I would like to file a violation under the Texas & Federal deceptive trade act by XXXX XXXX XXXX for knowingly making false statements in order for me to purchase electricity service for a lower price and making false or misleading statements of fact concerning the reasons for, existence of, or amount of price reductions which resulted in a lump sum amount due of {$860.00}.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc. (OH)

I missed XXXX payment and it wasn't even late yet yet they have been calling me non stop, they call XXXX  times a day even after I asked them to stop. They sent me an email stating they talked to their legal team and they are doing nothing wrong. But over received on some XXXX  calls within XXXX to XXXX XXXX  of each other, they are calling on my cell phone so everything is documented by my XXXX. On XX/XX/2024 they call at XXXX XXXX  and then again at XXXX XXXX, and this happens XXXX  some days they call me XXXX or XXXX times a XXXX. They are interrupting my work day and it's emotionally draining since I work a lot from my phone.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (CA)

I was blackmailed and fraudulently scamed out of my money totalling {$4100.00} by a person who goes by the name of ( XXXX XXXX ) who lied to me and forced me to use RIA Financial services company, from XX/XX/XXXX through XX/XX/XXXX, totaling {$4100.00} XXXX XXXX is the second person who was also involved with XXXX XXXX, and was the one who recieved the funds totaling {$4100.00} that I was blackmailed and scamed out of and forced to send using RIA Financial services company. 

XXXX of XXXX XXXX 's phone numbers is XXXX & XXXX A police report was filed on XX/XX/XXXX at XXXX am and a FTC report was filed on XXXX at XXXX p.m. 

Police report - # XXXX FTC report - # XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX are reporting inconsistent information for the account listed as XXXX XXXX XXXX this account can not report 3 different ways that means it has not been properly validated so the verification they claim they have done is invalid. The account can not have late payments when any consumer credit account is open ended and neither bureau has supplied me with documents that prove I was indeed late. If you do not have documents update the records. 

The inconsistencies are Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Closed Paid Paid Creditor Type : Commercial Banks All Banks All Banks Creditor Remarks : Closed Closed or paid account/XXXX  balance Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : 120 Month ( s ) 120 Month ( s ) Payment Frequency : Monthly ( every month )
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

DEPT OF ED/XXXX has reported inaccurate information regarding my payment history. They are reporting 90 days late for XX/XX/2019 this is impossible because I was on time in XX/XX/2019 and XX/XX/2019. I was never late on this account
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, & XXXX are reporting incorrect information on the account listed as XXXX there are several inconsistencies which means this account has not been properly validated because its impossible to report 3 different ways. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed as this would be identity theft and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX any other address is not correct and will cause issues with my credit applications and me receiving my mail. The credit bureaus are required to report accurate information or this is a violation of my consumer protection rights known as the FCRA.
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/XXXX I made a {$250.00} payment to Synchrony for my Amazon XXXX account. I was told my account would be credited in 5 days. I've called every single day and the company keeps pushing back the date they will credit my account. They have had the {$250.00} for 7 days without placing it on my account. They utilized Predatory Policy against their clients. They are Ruining My Good Credit. This is ILLEGAL! This should be considered GRAND THEFT!