davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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: Maximus Federal Services, Inc. (FL)

XX/XX/2023 I received a Notice that my Federal Student Loans would be transferred to XXXX after being approved for Public Service Loan Forgiveness. 

XX/XX/2023 My Department of Education/Aidvantage Student Loan Status changed to : Paid in Full with a {$0.00} balance. 


XX/XX/2023 I notified XXXX about the new PSLF status. 


XX/XX/2023 Department of ED/Advantage reported to Credit Bureau to delete the entire account from credit history which eliminated all positive standing/payments made prior. This also eliminated any credit showing {$20000.00} being paid in full, resulting in a lower credit score. 

XX/XX/XXXX I contacted XXXX about the deleted account. XXXX was able to inform me that when they contacted Ed/Aidvantage to verify the PSLF status, they requested to just delete the entire ED Aidvantage account instead of a paid off status. XXXX also stated they would not be able to fix this error. I would have to contact the Loan Servicer and request they resubmit an accurate report. 


XX/XX/2023 Contacted ED/Aidvantage and requested they resubmit an accurate report showing the Loan was either transferred or paid in full. I was told that there was never any request for the loan to be deleted and there was nothing they could do. They also refused to send me the report they submitted to credit bureau or any of the request they had received from XXXX on the dates listed. 

As of today, XX/XX/2023 I have not been able to get anyone to help fix the problem despite multiple attempts in writing. My credit score remains lower than needed preventing me from refinance or getting a new the mortgage loan that I had just applied for when all of this information was discovered.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a complaint that you are reporting inaccurate information. I respectfully request to be provided proof of recieving a billing statement via mail 21 days before my bill was due. Per my records I have always paid these accounts on time and never paid late my rights have also been violated. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is not correctly reporting.
Consumer complaint received 2023-11-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (AR)

I frequently purchase prepaid VISA gift cards in {$100.00} amounts form XXXX which is backed by US Bank. their website is www.prepaidgiftbalance.com This website if FREQUENTLY down. When it has been down in the past you could call customer service and they would register your card do you could use it online. This request was denied today.

If the website is the ONLY method the company is going to offer to register the cards, the it needs to be up and running 24/7.

I now have two cards totaling {$200.00} that I am unable to use for the purpose intended when purchased.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates (CO)

I received a call from XXXX ( XXXX XXXX XXXX XXXX ) and returned the call. They demanded the last 4 digits of my social to confirm my identity and refused to tell me why they were calling without that information. Since I don't recognize the business or know of any outstanding debts they might be collecting on, I am assuming their behavior is suspicious and would like to get ahead of the behavior by reporting them. I would expect a legitimate debt collector to provide me with an invoice by mail. I can also find nothing on my credit report. Given what I've seen about this company online, I want to get ahead of the issue with this report before they continue with more nefarious behavior.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I never ever sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit file. I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to continual retaliation against me for filing a CFPB complaint against Trans Union . Inaccuracies on my report are being monetized by Trans Union against my will. This company has admitted to defaming my name and is continually and daily committing this federal violation. Trans Union is sharing my nonpublic information with people didn't authorize. Trans Union is giving access to my social security number for monetary gain. Trans Union is conspiring to commit RICO violations and does so KNOWINGLY and WILLINGLY.
Consumer complaint received 2023-11-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC (GA)

I am writing to express my extreme dissatisfaction and frustration regarding a recent experience I had with Title Max, specifically in connection with the repossession of my vehicle and subsequent damage that occurred during the process. 

My vehicle, was repossessed from my home by XXXX XXXX XXXX XXXX at the behest of Title Max. Subsequently, I utilized Title Max 's services and paid the necessary fees to reclaim my vehicle. However, upon receiving my vehicle back, I discovered significant front-end and tire damage that rendered it undrivable. 

This damage was not present before the repossession, and it is clear that it occurred during the towing process. This process is the result of Title Max, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I am extremely disappointed and frustrated that the vehicle, which was in proper working condition before the repossession, has now sustained damages that were not my responsibility. 

I have made attempts to address this issue with Title Max, but regrettably, my concerns have not been adequately addressed. The lack of communication and resolution from Title Max is deeply troubling, especially considering the financial investment I made to reclaim my vehicle. 

As it stands, I am unable to use my vehicle due to the damages incurred during the repossession process, and Title Max has made no effort to rectify the situation or compensate for the damages. Nor has title max forgiven the loan. They call me daily to collect and advise of interest and when I mention my damaged vehicle they claim they will check on it and contact me later. 

Titlemax was made aware nd has provided no assistance
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I am writing to express my concern regarding an erroneous late payment that has been reported on my credit report. I have made multiple attempts to rectify this issue by contacting the merchant as well as XXXX, XXXX, and Equifax directly, yet I have not received any resolution or acknowledgement of my dispute. 

According to my credit report, there is a late payment entry recorded for an account that does not reflect my financial history accurately. I have thoroughly reviewed my records, and there was no occurrence of any late payment associated with this account. This misinformation is adversely affecting my credit rating, and consequently, it is hindering my ability to obtain a mortgage and purchase a home. 

I have diligently contacted the merchant in question, explained the situation, and requested their assistance in resolving this matter. Unfortunately, despite their acknowledgment that there was an error made, they have failed to take appropriate action to correct the reporting with the credit bureaus. 


I appreciate your attention to this matter and your prompt resolution. Please inform me of the actions taken to resolve this dispute at your earliest convenience. I look forward to a positive outcome and renewed confidence in the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

These Accounts have violated my rights According to FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Consumer complaint received 2019-09-22
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. (AZ)

I have requested verification of my signature on something from this company thru Equifax. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let  another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX  or XXXX. I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

These Accounts have violated my rights According to FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Consumer complaint received 2023-11-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have hard inquiries on my credit report from all 3 bureaus that are fraudulent and I have contacted them directly to have them removed but I was told to file this report. Please see the items below.. XXXX Hard Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Hard Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

So my federal loans have been tranferred over from great lakes services to Nelnet.com now. Since it has been transferred over ive had problem after problem with my account. I original spoke with a representative in XXXX to set up my s.a.v.e. plan application from my idr repayment plan. So the lady told me it was all set and should expect confirmation of my application and gave me my payment monthly. My payments were to resume in XXXX so i tried to get it done way before. A month goes by and still havent heard anything. So i tried calling every day and could never get through to speake to someone. I wrote several emails on there contact us portion on there website and have yet to even get a response. I sat on the line for 3 hrs on hold several times and still couldnt get through. i cant sit waiting that long since i have to work. So my wife called and sat on hold for 4 hours. Well speaking to them she told me my application was incomplete and waiting on me.So the first contact was incorrect on my account. I do another application on federalstudentaid.gov and correctly did it again. Another month goes by and hear nothing. So again i called several times and emailed several times and finally get ahold of someone. She said at this time i would take a month to process my application. So my first payment was incorrect and had to pay that amount. She also confirmed my account was just waiting on processing. This was in augus. So currently i get emails still stating my account is still in processing and now its XXXX. Then out of nowhere they put my account in forebearennce and i never agreed to that, im trying to pay my account and specifically told them this. I just received another email talking about my application is not done yet. I dont know what to do. This is very frustrating and want my payment set to what it should be. I dont know who else to contact on this matter.
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

Navient Corporation, The purpose of this is to communicate the extreme financial hardship I endure over a XXXX  XXXXXXXX timeline, as part of my student loan experience. What I had hoped for, was an associates degree in computer programming, but the outcome was the opposite. My loan originated on XX/XX/XXXX in the amount of {$10000.00}, issued from Sallie Mae Corporation. The original federal loan allowed me to attend the former XXXX XXXX XXXX. Due to a lack of money for rent and food, I was only able to complete less than a year of school. I was forced to move back home, to work full time. Over the course of 19 years, my immediate family members were often helping me with my loan payments. I did not have any positive experiences repaying my loan. Deferred payments, harassing phone calls, late fees, forbearance and a non-existent income- based repayment plan were all very discouraging. Overall it didnt appear that anyone from the Navient Corporation had my best interest in mind. My loan history documentation will confirm the financial distress to which I am referring. By the end of XXXX, my loan balance was still XXXX. I was able to reach a settlement with Navient for XXXX with the help of a family member. The settlement date was XX/XX/XXXX. In total, I repaid Navient XXXX. Along with the above mentioned, my credit score was severely damaged and continues to be to this day. I reached out to Navient in XX/XX/XXXX, for discussion regarding the federal lawsuit against the corporation. The response I was given was, since my account was settled, they had nothing further to discuss. I have been a public service employee for XXXX years in XXXX XXXX XXXX XXXX XXXX XXXX Ive been with my current employer for XXXX years. I can provide previous employment history upon request. The wages I earned did not provide me with enough money to support myself and repay my Navient loan. It is my understanding, that my employment history along with negative student loan experiences, would qualify for loan repayment in the full amount of {$27000.00}, as well as resolution to the above stated hardship. Thank you.