davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

On XX/XX/2019 I received a call from Transworld Systems , Inc. attempting to collect a debt for XXXX  XXXX  in XXXX, SC of roughly {$300.00}. I told the representative that I did not have a debt with them as I paid off my final bill in XX/XX/2019 after I had moved out in XXXX of 2019. The representative acknowledged that I did indeed make a payment on XX/XX/2019 but this was a new debt submitted to the collection agency by XXXX XXXX  on XX/XX/2019. I told her it was impossible to accumulate additional as I no longer resided in XXXX. The representative advised that I reach out to XXXX  XXXX  directly to find out what the debt was for as the representative at Transworld Systems , Inc. stated XXXX XXXX  did not provide any details regarding the debt. I insisted that they had the wrong person and she asked me to confirm my information which I did. She basically said it is my debt and that if I dont pay it it will be reported to credit agencies. On XX/XX/2019 I contacted XXXX XXXX  and confirmed with the lady working at XXXX XXXX that I do not owe any additional debts to them and she advised me to confirm the debt collection agency was legitimate. She forwarded me a copy of my ledger which showed I had a {$0.00} balance on my account. I called Transworld Systems , Inc. and again informed them that it wasnt my debt and I have written confirmation from XXXX  XXXX  that I could forward via email. The agency stated that they dont do email correspondence and that I could either mail or fax it in. I faxed it in twice and called to confirm their receiving. So far they say it has not been updated yet and they cant give me an estimated time for it to update. Simply, this is not my debt, I have confirmed this is not my debt, and have done my due diligence to submit documentation requested by the debt collection agency without resolution. Please help!
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX. I am a long time banking customer with Wells Fargo. In XX/XX/XXXX my checking was compromised. I was unaware of the events and was notified but the bank via email and text message. Wells Fargo sent me a temporary debit card, deactivated my original debit card and resent me a new permanent debit card a few weeks later. In the meantime, I was advised to contact their fraud department and file a complaint. In early XX/XX/XXXX, I received a letter from Wells Fargo Investigation Department, indicating they made a decision and allowed the charges to go thru because it was determined that I either authorized the charges or I knew the persons involved. These erroneous charges were made in XXXX and when I researched the bogus company, it is apparent the company is a fraudulent entity. When the charges were made, I was in XXXX XXXX, CA for the holidays. I appealed immediately after their decision form the XXXX dollars charges and reopened the case in XX/XX/XXXX. Wells Fargo admitted the charges were fraudulent in nature, hence the reason for them shutting down my account. Nevertheless, they turned around, authorized the charges, and now they are insisting it was my fault and win my permissions. They are giving me the run around, still insisting the charges were authorized by myself, the account owner. I am attaching two letters I received this month, now stating they are doing further review. It is simply a stall tactic to avoid refunding me my money. XXXX XXXX XXXX
Consumer complaint received 2020-02-28
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: SYNCHRONY FINANCIAL (TX)

I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Consumer complaint received 2021-12-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (FL)

I contacted Moneylion regarding a payday error last week XX/XX/23 on Wednesday. I get paid on XXXX. The app offered me the choice of deferment and I took it. Now I see that it is the same mistake as before, the loan is scheduled to come out on XX/XX/XXXX. They refuse to change the date by XXXX days even after I told them it will likely overdraw my account.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (GA)

First l disputed XXXX XXXX acct # XXXX with CFBP report # XXXX and Equifax responded l already disputed the account. I disputed this acct with Equifax XXXX, sent in dismissal letter from court and again XXXX confirmation # XXXX to check status for representative XXXX id # XXXX to say it was accurate and l need to send in more documents. Equifax has violated my right of submitting inaccurate information on report 15 USC 1681i ( A ) and l need for this account to be removed immediately or compensated for FCRA violation
Consumer complaint received 2015-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

What you are doing Equifax is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Equifax , you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Equifax you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Equifax for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Equifax
Consumer complaint received 2017-02-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GMFS, LLC (LA)

I received a call from my home owners insurance that my premium was not paid as of XXXX XXXX, XXXX. I called my GMFS to convey the need to pay the premium that was due on XXXX XXXX, XXXX. GMFS said that is was mailed out to be paid. Three days later, the insurance called me again and said no funds/check was received. I call GMFS back and they said they paid it to my XXXX XXXX ( XXXX insurance company ). 
I contacted XXXX and they said because I no longer have an account with them, the check will be sent back to GMFS. 
I call GMFS back and disclosed that information. Asked if they can cancel the check and reissue another XXXX to the proper insurance company. They said no they could not. So GMFS rep said he was going to make some calls to locate the check. 
On XXXX XXXX, XXXX I paid my mortgage and realize the insurance was not paid. The due amount was over XXXX and my mortgage is only XXXX. I paid the amount due still not knowing what happened to the escrow funds for this purpose. I called again to for more clarification on XXXX XXXX, XXXX and still no lead way on the escrow. Fortunately it was paid because XXXX suffered a major tornado storm on Tuesday XXXX XXXX, XXXX. 
I called today ( XXXX XXXX, XXXX ) to speak with the supervisor because no one knows where the escrow funds are and my account is out over XXXX dollars. The manager XXXX XXXX approach was unprofessional,. rude and a brush off. He said he was going to look into it and call me back in 24 hours. I have been waiting already almost two weeks. 
Today
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/22 I opened an account with Venmo after making the mistake of believing I needed to use one to use XXXX XXXX After realizing my error I proceeded to leave the account alone entirely. As I had no further use for it. No transactions were made, no withdrawals, and no balance owed ; overdraft, due, or otherwise. 

I heard nothing from Venmo over the weekend and came to find later their office hours are closed. As this did not really matter in the moment due to my lack of interest in the account I went on my way and continued my weekend. On XX/XX/22 I received an email from them asking about connecting a method to withdraw money or add money in an email, and then an hour after this email I was informed my account was 'frozen due to recent activity that appears to have violated the User Agreement. ' This is false, as I had not even used the application or done anything in it to warrant a violation to begin with. 

No purchases made. 
No withdrawals or money requests. 
No accounts hooked to the Venmo ; banking, credit or debit from any institution No breach of an account I did not own. 
No duplicate accounts. 
Nothing. 

I read through their User Agreement and found myself in no form of violation to their terms at all. My account was also verified by their app which means they approved my Name / DoB / SSN / Address, City, & State as all being valid and toward me. Yet the email told me that with my account frozen I would be able to reactivate it if I sent them a copy of my photo ID unexpired. 

I do not feel comfortable with this at all. I never used the platform only signed up for it, they are requesting more of my identification despite their app verifying me, and after speaking to their correspondence on the matter I am stuck waiting for 7-10 day turn around for an answer. This is also in pair with the fact that an account can not be closed if it is frozen. A little history and research on Venmo will show this is a common practice of theirs and for some also is a means of their money being held in a 180 day limbo. Fortunately I have nothing invested in them and only want my account closed. 

The Pandemic also makes it impossible to get properly updated identification without an appointment and appointments are swamped with the higher rising cases. I want nothing to do with Venmo and informed them of such when I reached back out via email. Since I never utilized the account for any purpose, I would like the account unfrozen and closed. If I decide at a later date I want to open a Venmo account then sure, I will do so, but that is not likely considering their customer service and refusal to work with me to resolve such a simple matter.
Consumer complaint received 2022-08-04
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. (MI)

I requested updated information for a paid balance in XXXX of XXXX to the XXXX of Michigan for {$2500.00}. I was trying to get my passport and the Information that was on file was incorrect. I have tried to dispute my XXXX payment that was reflecting in the system for over a year now. The information " Paid, was a collection account, insurance claim or government claim or was terminated for default ''. 

None of the information is correct. This account is from XXXX, that was 11 years ago. More than enough time to not even be reporting. The balance never went into a collection status. They don't have the company information because I paid directly to the original account.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

I paid off the remaining balance on four Federal Stafford student loan accounts XX/XX/XXXX ( due the XXXX of every month ) during the covid pandemic. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX because XXXX reported my 4 student loan tradelines as 60 days Past Due Date/Maximum Delinquency of 60 days as of XX/XX/XXXX, however, the negative information in the summary details contradicts the information provided by the XXXX Tradeline Payment History chart where all sections or months are recorded as OK or CURRENT. My loan was under a federal IDR plan, and if I were late, I was eligible for relief under the COVID 19 Rescue Plan. 
XXXX XXXX XXXXXXXX I also possess the loan payment details from the loan servicer 's online site indicating I was 0 days delinquent on all 4 of my student loan accounts. Currently, I am unable to secure credit, a lower interest rate, additional lines of credit, a mortgage, or an auto loan. On XX/XX/XXXX, I was denied a loan from XXXX XXXX with whom I previously had a line of credit that I paid off in XXXX of XXXX. The negative information according to XXXX will not be removed or dropped from my credit file until XXXX.
Consumer complaint received 2022-09-13
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. (GA)

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 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collections of any debt
Consumer complaint received 2022-09-13
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX, original creditor is XXXX XXXX, amount {$270.00} account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-12-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Addendum to Case number : XXXX. In the documents forwarded to me by XXXX, on XXXX XXXX, XXXX, Bank of America states I received documentation the servicing transfer was mailed to me on or about XXXX XXXX, XXXX. I have attached documentation from the Department of Veterans Affairs, along with a copy of my drivers license, proving my address at the time the notice was allegedly mailed.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (IL)

I was informed that I can check my Equifax dispute on their website. When I check the status of XXXX it 's says should be available on XXXX/XXXX/16 and even the automated system says my investigation is complete but when I go on the website it says pending and no information.
Consumer complaint received 2022-09-14
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-09-13
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. (GA)

I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I am experiencing financial hardship and requested a refund on all 13 payments to EdFinancial Services during the freeze period for my students loans. The company claimed it will take over 6 months to process the refund which does not help with my current financial need. They also ignored my email request so I had to wait a long time to get through to a customer service representative who informed me it would not be processed for 6 months.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I enrolled in automatic payments with Navient in XXXX, XXXX however, on XXXX XXXX, XXXX, I received a notice indicating that I was delinquent 2 months worth of payments and that Navient had debited my account ( via the automatic payments!! ) last month and will be debiting my account this month for the past due balance with LATE FEES! I was not refunded late fees after calling Navient and instead they tried telling me that because two different departments set up the automatic payments, one conflicted with the other. 
I also requested a change in my due date back in XXXX, XXXX and again in XXXX and Navient still continues to debit my account AUTOMATICALLY by the first of every month.
Consumer complaint received 2022-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

On XX/XX/XXXX, I contacted Nelnet about payments I made in XXXX, XXXX, XXXX, XXXX and now XXXX that have not been credit. They do not respond to messages sent on their site so I called. I gave all the information to the person who was supposed to send me an email as to where to send proof of payments. After about a week I called back and was told that I had to put them in the mail. I sent proof of payments by certified mail which they received on Friday, XX/XX/XXXX. My account still has not been updated. The following are the dates and amounts of payments : XXXX XXXX - {$92.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$49.00} XX/XX/XXXX - {$50.00} Total : {$230.00} XXXX XXXX - {$92.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$49.00} XX/XX/XXXX - {$40.00} Total : {$220.00} XXXX XXXX - {$92.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$16.00} XX/XX/XXXX - {$45.00} Tot : XXXX XXXX XXXX - {$45.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$92.00} XX/XX/XXXX - {$45.00} Total : XXXX XXXX XXXX - {$45.00} XXXX - {$49.00} XX/XX/XXXX - {$92.00} XX/XX/XXXX - XXXX Total : {$230.00}
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CT)

I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (OH)

I was a cardholder with XXXX Rewards through XXXX XXXX. Marcus by Goldman Sachs bought the XXXX XXXX credit cardholders balances sometime in early XXXX. During the transition they removed all autopay information therefore causing a late fee to be charged on my account. When I called and requested a payoff on XX/XX/XXXX which they quoted me was {$4200.00} which I paid and the late fee was waived. The representative misstated the payoff and a per diem interest charge of {$47.00} remained. When they charged me another {$40.00} late fee I contacted them in XXXX where this discrepancy was discovered. Since then they have refused to waive that late fee and have now charged an additional {$80.00} in late fees. After 5 attempts to resolve their error I was forced to pay {$170.00} which included {$120.00} which is almost 3X the amount owed comprised of ALL FEES AND INTEREST. They have behaved in a completely predatory fashion and I'm certain their are many more unsuspecting consumers who simply don't understand and can not afford to pay these egregious fees and interest charges and may be adversely impacting them financially and possibly with their credit scores.