davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX NC has reported 2 debts ( {$210.00} and {$220.00} ) which were paid and a certified letter with proof sent to them. They also reported a debt of {$550.00} which I NEVER received any correspondence on. The first I ever heard about this was after the credit bureaus informed me of it. I have no contract with XXXX and they are in violation of the FDCPA and FCRA. Something needs to be done about this group and its practices. I want full proof they sent these notices including delivery receipts, which I am sure can not be provided. As such, I expect this and anything from XXXX removed ALL credit bureaus immediately.
Consumer complaint received 2021-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

At the end of XXXX, I reached out to Navients collection department to pay off the balance of a settlement I had been paying off monthly since XX/XX/XXXX. I was informed the remaining balance was {$3400.00}, to which I responded I would like to pay it in full. The payment was authorized electronically during this call and I asked how long would it take before I would receive a letter staying the account had been settled. I was informed it would take about 30 days for the letter to be sent to me. The payment of {$3400.00} was withdrawn from my account on XX/XX/XXXX. Sometime in XXXX I called to follow up on the settlement letter I was informed I would receive during the call in XXXX. At this time, I was told it should take 60 days to receive the settlement letter. At the end of XXXX, I still had not received my letter, which at this time was beyond the 30 then 60 days I was told it would take to receive the settlement letter. It was during this call I was informed that according to their records I had not paid this balance in full and still owed a balance. I asked how this happened seeing as I was informed by a Navient employee of what the balance was. They were unable to provide me an answer to why I was not provided the appropriate balance when I called in XXXX to pay off the loan. I then asked to speak to a manager who informed me that Navient had been changing over their systems and my account seemed to have been one of the accounts that was lost in the transition. He reported he could see there was a payment but it is in limbo because of the system being upgraded and should update within a week. He reported he would put in a ticket to have this issue escalated. I called about a week later and a couple other times in XXXX to follow up and was still being informed the issue was not resolved. At the end of XXXX around the middle of XXXX after having called Navient a few days prior and being informed the issue was still not resolved. I received a letter stating they received the final settlement payment of {$3400.00} on XX/XX/XXXX. This is inaccurate as they should have received the payment on XX/XX/XXXX according to my bank statement. I called to have them update this in their system to align with when the payment was actually made and received the same letter about a week later stating the final payment was received on XX/XX/XXXX. I would like this to be updated to accurately show when the account was actually settled, which is XX/XX/XXXX.
Consumer complaint received 2022-05-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Data Mortgage Inc. (GA)

I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX with the verbiage " BE ADVISED THAT UNDER FEDERAL, THIS LAW FIRM MAYBE DEEMED A DEBT COLLECTOR. ANY INFORMATION OBAINT MAY BE USED FOR THE PURPOSE OF COLLECTING A DEBT. '' This statement is misleading and misrepresentation of Federal Law. This is decpetive practices. A debt collector must be up front and say whether or not they are a debt collector. Pursuant to Title 15 of the FDCPA there is no such thing as an attorney. I don't have a contract with the hotel. A. drew XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is using my personal private property to trade, pledge, bargain, sell exchagne, collect, compensate and receive unjust enrichments with my CONSENT. You can my name on your document without my permission is a violation. That is ALSO IDENTITY THEFRT This is a federal XXXX Threaten to seize my property on XX/XX/2022. This is also a violation of Federal law.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft on XX/XX/2021. I recently learned that my personal information was used /to open an account at your company. I did not open or authorize this account, and I /therefore request that it be closed immediately. I also request that Capital One absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting act XXXX & XXXX account number 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 an account without my written instructions.
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MO)

I received an email from Aidvantage on XX/XX/XXXX that I have a payment of {$1400.00} due on XX/XX/XXXX. When I logged into my Advanage account it said that my loan payment was past due. I did not even get an email before saying that my payment was due, so now I have late charges and have to pay the amount. I've never been late making payments on my student loan. Why would I only get an email after my balance is past due instead of before? I called in and talked to rep XXXX XXXX. I told her what was going on and she said since I requested a refund the system will start charging me my balance and said that if I want my balance put in the COVID forbearance I need to tell them. I said that it was illegal for them to charge me fees and payments because of the forbearance and that it was still in effect. She apologized and put in my request and said that it would take 24 to 48 hours to take effect. So, I had to make a payment of {$1600.00} on XX/XX/XXXX to keep my account in good standing. I don't know how this could happen considering the payment pause has been in effect since XXXX XXXX XXXX -- three years ago. I was in forbearance before I was transferred from XXXX and at no point have I ever requested that it be removed. It even states in a big bold banner on Aidvantage 's website that we are in a forbearance period.
Consumer complaint received 2022-05-02
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: LEXISNEXIS (PA)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. 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 make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

Experian keeps sending me emails with no unsubscribe link. I only want their spam to stop filling my mailbox. They always send me things say I qualify for this and that and then if I try to apply I never qualify for them.. even though I was qualified according to experian. Also, they say they will continue using my information after I have nothing to do with them. Experian is bad business. I have some obvious identity theft on my credit report also and nobody will do anything to help with that. Dismantle the entire system of fico which I just found out is the name of a company and also some requirement to do things with the government and even employment? How is this allowed to happen?
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had an on going complaint about an employee named, XXXX. I thought going to the XXXX would resolve issues. After all XXXX was controlling his clenched fist from punching me. The General Manager at the time was an old hang named XXXX. I text led her what XXXX was all about and her reply.., I trained with XXXX. Hes excellent and polished. There will not be any negative actions brought to his attention. Bye now, you will leave now. XXXX even went two steps further and called the XXXX police and had a restraining order put on me. Had Bank of America security team ban me from all BofA locations in the USA. And just to be a royal pain in my XXXX. She said I was threatening her along with harassment??? IM NOT THE XXXX  XXXX  THAT SWEARS SHE IS STILL XXXX. Please woman your pushing your XXXX! Easily! I had to get a new bank cause my checking account was immediately closed and guarded heavily as to give a reason why? Oh my goodness XXXX I called you a bad name. Even the cop chuckled!
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a CapitalOne Savings and Checking account. Someone hacked into my accounts and transferred money from my Savings account to the Checking account and then XXXX, XXXX and XXXXd the money to themselves. I reported the theft as soon as I noticed and I am in the process of filing a police report. CapitalOne is not refunding the money to me even though I am a victim of theft/fraud. This was most of the money I had.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX account number 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 an account without my written instructions.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

Santander USA is a predatory lender and has been indicted in a class action lawsuit for such practices. 
I purchased the car in XXXX of 2014 and struggled to keep up with payments a year into it as the car had numerous issues the moment I drove off of the XXXX  lot. Struggling to pay the high interest loan, I had the car repossessed and was able to get it out only to fall into desperation again as I was underwater. 
I truly believe I should be or possibly have been considered in this lawsuit. 

XXXX XXXX XXXX From what I have found, Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers ' credit reports.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (LA)

In accordance with the fair reporting credit act. The list of accounts has violated my federal consumer protection right to privacy and confidentiality under 15 usc 1681 Account name XXXX XXXX XXXX Account name. XXXX XXXX XXXX Account name XXXX XXXX asso 1614 Has violated my rights 15 usc 1681 section 602 states I have right to privacy.

15 usc 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish can account without my written instruction.

15 usc a ( 5 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than the records of convections of crime which antedates the report by more than 7 years 15 usc 1681-s2 a person shall not furnish my information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

The collections agency named Resurgent which works for Lvnv, or XXXX XXXX, or XXXX ( they play football with consumer debt ) fails to settle with me when I make a reasonable offer, and i have called and Emailed them numerous times. They act like bullies. I need this off of my records since i am unable to rent an apartment and might become homeless accordingly. Why is it so hard to get rid of this. Please help. I can make a XXXX dollar payment. 

Out of all my CC debts this specific collections agency makes sure the debt is highlighted and shows at the top of credit report as a derogatory mark. They dont pause or remove it even when you dispute.
Consumer complaint received 2022-12-14
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. (IA)

These accounts listed are the issue XXXX XXXX XXXX  # XXXX, XXXX # XXXXXXXX XXXX CREDIT # XXXX, XXXX  # XXXX, XXXX XXXX, XXXX XXXX. Pursuant to the XXXX Credit Billing Act, A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts listed have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request these companies provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, these companies can not lawfully furnish this inaccurate negative information to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority do they have to collect this debt in the United States? If these alleged debts can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE. Do these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of these inaccurate information 's would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring these financial institutions and creditors to report negative information to a consumer reporting agency, these companies knowingly are reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate VIOLATES the FAIR CREDIT REPORTING ACT. These companies policy do not supersede Federal Law. I am demanding these charge offs be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Consumer complaint received 2021-03-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I contacted Amerisave Mortgage to refinance my VA loan. I was given a new rate of 2.25 % locked. 3 days before planned closing XXXX my broker called and told me that his boss stepped down and they failed to submit the required documents to the Veterans Administration and they could no longer get me the agreed upon rate. They wanted to raise the rate to 2.85 %
Consumer complaint received 2022-09-22
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: OneMain Finance Corporation (GA)

On XXXX XXXX2022 I received an alert from my credit monitoring services informing me that there was hard hit on my credit report from One Main Financial. I already have an account with them and there was no need for any type of inquiry. This will affect my credit negatively. 
I want this problem corrected immediately
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

I have no business with LVNV account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights.

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-01
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: EQUIFAX, INC. (GA)

I have repeatedly asked the credit bureau to verify information on a report. they have refused to verify the information provided by XXXX XXXX XXXX. They have listed the item of verified and refused to say how they verified. I have talked to the original vendor and even they agree the information is not correct. they have failed to follow the rules and verify the account. I have even hired a law firm to send them letters and they have not responded.
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (FL)

1. Received a letter from XXXX, XXXX stating that I owe a XXXX debt. Letter came on XX/XX/2022. 
2. Called company right away and they said I did owe the debt and they would not explain any of it to me. Also, I asked for proof of the debt and was told that was in the letter ( it is not ). 
3. Told company that I NEVER had a Pay in 4 account EVER. They stated that I was still responsible for the {$620.00}.
Consumer complaint received 2022-09-22
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. (SC)

XX/XX/2022 Letters were sent to Experian asking to please correct the fraudulent accounts from my consumer report and I received and email stating that the accounts were found verified. 

XX/XX/2022 Another letter was sent to Experian stating that the email I received was not the proper way to inform me. Also that the fraudulent accounts that remained were not properly investigated and completely went against the federal laws in place set by the FCRA. These invalidated accounts were updated and my credit score suffered tremendously. I explained that my rights were violated and never received a response since. 

Proof attached.