davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Granite Edvance Corporation (NH)

My student loans were held with Granite State Management and Resources in the State of NH. In XXXX of XXXX I had corresponded via email ( I have the emails ) regarding my loans that were about to go into default. I was unaware that had been the case as I'd been going through a very difficult divorce in all of XXXX and into XXXX as well. My understanding was my loans were at that point placed into forbearance and I didn't hear from GSMR again after that. In XXXX the pandemic hit and these loans qualified under the Pandemic relief or Pandemic forbearance. Again, i heard nothing from GSMR during all of XXXX and most of XXXX. In XXXX of XXXX, suddenly my credit report took a hit and when I looked at the details, i noticed a company called " XXXX '' had listed my loans in collection. I thought, that can't be right and proceeded to spend from early XXXX to present calling back and forth between GSMR and XXXX to understand why loans that are under the Pandemic forbearance had suddenly been placed into collection in XXXX of XXXX. I made it clear that I knew my loans qualified, even though most of the phone calls with GSMR they tried to state they didn't qualify. I let XXXX know that they legally couldn't place my loans in collection and had to remove them and to which they told me that they weren't a collection agency, even though when you call them, they have a script they read about the call is recorded and is for debt purposes. I'm literally trying to have these loans removed from collection and delinquency on my credit reports and to have Trellis NOT violate the XXXX loan moratorium and place my loans back in the forbearance that they are supposed to be in per President Biden. I'm at the end of my rope here and ready, but not wanting to call a lawyer. It's affecting my credit and so is thinking that my loans were in forbearance according to GSMR back in XXXX, but it doesn't sound like they ever placed them in forbearance. I need a lot of help to get these loans rightfully placed in the pandemic forbearance that they should be in and my credit score to improve as a result. 

I filed disputes with XXXX. XXXX and with XXXX and explained all of this as well and XXXX and GSMR are not complying with those credit bureaus. I contacted the NH XXXX 's office which recommended hiring a lawyer. Should i have to pay a lawyer to get my student loans in their rightful place per a federal student loan moratorium? This is utterly unfair.
Consumer complaint received 2022-03-23
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. (IL)

I Have provided Evidence to XXXX, XXXX, and Exquifax of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.
Consumer complaint received 2022-03-23
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

I requested a complete accounting of my loans on XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... XX/XX/XXXX and XX/XX/XXXX. 

To date XXXX ( now aidvantage ) has either : 1 ) never sent me any documents I requested, or 2 ) sent me inaccurate documents, which typically result in one loan instead of them all. 

Additionally, each of these calls I was provided conflicting answers as to the status and payment plan for my loan. I was told that I am either : 1 ) not on an XXXX plan, or 2 ) I'm on a XXXX plan, or 3 ) I'm on a XXXX plan but it is inactive, or 4 ) I'm on 10 years standard plan Despite over 12 hours of phone time which is documented on my end with great detail, I am still unable to obtain timely or accurate information related to my loans. Specifically, it is not clear at all to me what payment plan I am on and how the payment amount is calculated. 

I am considering a lawsuit. I am also going to file with the FTC for privacy consent violations related to automated dialing, non-consentual recording of conversations, and other privacy violations. 

I would appreciate someone at aidvantage to expedite my request for a complete and accurate accounting of my loans to be sent certified mail so we can all track when and where it goes ( they claim these have been sent but they were never received - I have not moved either ). 

I would also appreciate it aidvantage can actually tell me what plan I was on, when I was notified of the switch ( by providing the he correspondence they sent me ) and how that payment is calculated under the terms of the plan I am ( for which I am not clear... Still ).
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-03-30
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. (PA)

In accordance with the Fair Credit Act XXXX Account has # XXXX has violated 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 consent.

Also in violation under 15 U.S. Code 1681i ( 5 ) Removal of Credit Information and 15 U.S. Code 1681e ( b ) Compliance of possible accuracy. 

DEPT OF EDUCATIONXXXX Account : XXXX
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (OK)

On Tuesday XX/XX/2022 my account was charged various transactions for already processed and charged transactions. 

The company was informed only to be told they didnt see it and the CSR sent me to a survey to end the call without addressing the issue. 

I called back a second time and that CSR confirmed they could see the duplicate transactions and that they were aware and working on a fix. 

XX/XX/2022 they cancelled/reversed/terminated all but three of transactions. I again reached out and informed them that again they missed ones and I believe it was due to the amounts not including the tip that is manually added by the restaurants themselves directly. 

They said wait 1-2 hours and check back if they are not removed to call us back since it was only XXXX. 

At XXXX the notification by the bank that all issues and transactions were addressed and resolved and was all working correctly. 

I waited until roughly XXXX pm on the XXXX only to find that they still remained on my account. I contacted them again and they informed the department of this and should be completed by Close of Business. 

XX/XX/2022 the charges still remain on my account in processing which I again informed them of this issue. I was informed please wait another 1-2 days in order for this to be resolved. 

I had roughly {$300.00} taken out of my account for double charged processing fees which put a hindrance on my daily life preventing me from completing specific work tasks which in turn had a direct impact on my financial income causing financial damages. 

There is still {$110.00} being withheld from me for over 72 hours which the bank is aware of and this to me is theft by the organization. 

The bank is well aware and been made aware but refuses to act and ensure the consumer is taken care of and the money is accurately returned but they refuse to do. 

I have made countless means of contact by means of phone at XXXX XXXX  and XXXX XXXX XXXX morning, XXXX XXXX afternoon, and countless chat conversations from XXXX XXXX morning through XXXX the XXXX afternoon at XXXX to resolve this issue.
Consumer complaint received 2022-03-30
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. (LA)

XXXX, Experian, and XXXX have continually violated the FCRA and my rights from providing my credit report to unauthorized agents, to providing negative remarks on my credit report that are not factual, to stating that all accounts are paid timely one month to having 3 accounts with negative payment histories the next month with NOTHING CHANGING. 

When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? 

Reporting a debt as charged off, when it was settled or paid off. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Failure to report that a debt was discharged in bankruptcy.

Reporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or XXXX XXXX XXXX ( Chapter XXXX bankruptcy ). 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). 

Mixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ). I have repeatedly sent my information regarding my correct name, address, and spelling on my name to no avail.

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas.

Debt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft, which THEY DID NOT!!!

Privacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial.
Consumer complaint received 2022-01-08
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. (FL)

My name is XXXX XXXX, I am submitting this complaint without any influence from any third party or agency. 

Please see attached info it has my full complaint and request
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

( GLA COLLECTIONS ) at ( XXXX XXXX XXXX  XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$680.00} ) the collection openedXXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MD)

I received numerous emails and subsequently a debit card in the mail that I did not apply for under my previous married name for unemployment benefits through the XXXX XXXX. I have called the US Bank number provided on the card and had the card de-activated but wanted to make you aware of the situation in case this is a broader hit to numerous consumers.US Bank number provided on card is XXXX Credit allowed {$40000.00}. Credit card mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. If you require additional information, you can contact me at XXXX. I was also insistent on not providing them with my SS #, as they requested.
Consumer complaint received 2022-03-30
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: SYNCHRONY FINANCIAL (GA)

I tried to pay PayPal Credit and XXXX XXXX XXXX XXXX on numerous occasions and they could never receive my payments. Although my attempts were made, they still insisted on sending my bills and failed to resolve my problem as of XX/XX/2022.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (NV)

I recently submitted a complaint on Experian with the Consumer Financial Protection Bureau on XX/XX/XXXX. The complaint ID is XXXX. Experian responded on XX/XX/XXXX. The description of relief was to remove and or block inquiries as requested. Experian agreed to remove the inquiries. Today is XX/XX/XXXX. Experian DID NOT remove all the inquires listed above. By law Experian did not remove inquiries resulting in alleged identity theft in four days after receipt. Experian is making it impossible for me to obtain new credit. I no longer feel comfortable with Experian having access to my important information. Experian is deceitful. My online consumer report has not been updated reflecting the removed inquiries. I have yet to receive an updated consumer credit report in the mail with the removed inquiries. Experian has closed the complaint without resolving the issue as stated in their response on the CFPB website. This issue needs to be resolved immediately. 

Under 15 U.S Code 1681c-2 ( a ) the law states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Experian has violated the law and is well over 4 days after receit
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

Previously, I noticed the CFPB of my ongoing difficulties to receive prompt identity theft transactions refund payments from with Citibank , N.A . in connection to the CFPB closed Complaint No. XXXX. However, I am requesting The closed complaint to be reactivated or re-opened by the CFPB because Citibank , N.A . failed to timely reimburse me for those Identity Theft unauthorized transactions taken against my cash on deposit at Citibank or Citibank , N.A . from on or about XX/XX/XXXX through XX/XX/XXXX. In lieu of timely refunding me for my unexpected financial losses, Citibank , N.A . closed my interest checking account and other savings account products. However, federal law required Citibank , N.A . to timely refund me for those losses taken against me specific to me being a victim of known identity theft. It is unfair and deceptive business practices for Citibank , N.A . to advertise the VISA {$0.00} liability program for unauthorized Visa debit transactions and also illegal of Citibank , N.A . to disregard federal law. 

Citibank , N.A . Is aware of my past due refund in the amount of {$31000.00}, plus applicable interest ; but Citibank , N.A . replied to the original CFPB complaint and then closed my personal checking account and personal savings accounts in lieu of furnishing amounts due to me. 

I am requesting the CFPB investigate my original and second complaints about Citibank, N.A.s illegal activities made towards me in lieu of the CFPB traditional complaint hand off back to Citibank , N.A . I continue without my past due refund because the CFPB failed to investigate my original complaint, and or the CFPB failed to oversee my identity theft losses were refunded to me by Citibank , N.A . 

To say the least, the CFPB inadequacies in handling my identity theft refund complaint is disheartening to me as a banking consumer.
Consumer complaint received 2022-01-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (FL)

I moved in to XXXX XXXX apartments in XXXX and moved out in XXXX but they are saying I owe them money for unpaid rent. I have never been late or had any trouble while I stayed in the apartment while in my lease. I have a copy of my lease that ended XX/XX/XXXX so I do not owe the apartment complex. I have contacted them and asked them to remove this as I can't get another apartment until I prove did not owe them for the time they have listed. I was in the hospital and family moved my belongings and now I am trying to get a new place and was told I had a dept. XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX. I have never been late or not paid a dept please ask them to provide pay history as I have asked and got no response, I even sent a copy of lease because the dates that have I was not in a lease or contract
Consumer complaint received 2022-01-08
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. (OH)

Hello. I have contacted Trans Union well Over a month ago. By Law Transunion had 30 days in which too reply. That did not happen. And on several occasions. I have been very patient up to this point. Lately I've taken much notice in the very poor reporting that's being intentionally done to my personal profile. I truly do not appreciate it at all. TransUnion has done major damage to my credit profile by Intentional Fraudulent derogatory. Looking at my evidence that i will attach anyone will feel the absolute same. Its really awful it has to come too this. Please be aware that i am absolutely not pleased with the fraudulent behavior as youve made things difficult for me. And yes I have all intentions on suing you in the court of law for all the damage youve done that can not be repaired. 

At some point IMMEDIATELY there should absolutely never allow discharged bankruptcy accounts still showing on ANY credit report! After discharge! I know its not something thats normally done because my son filed a little after me and his case didnt get sabotaged by his bankruptcy attorney. All of his accounts were immediately removed! Mine were not! I knew something wasnt right with my attorney just by the way he spoke to me. however i did continue too trust him. And take a really good look at my cases. Ive been fighting for almost 12 months now to clean up this mess he's made. Attorney and Court is next. I hope this never ever happens to ANYONE! 


Also I gave TransUnion 30 days to reply to my last letter and you did not. by law you must remove the negative accounts as once. The date is given on the front of the document thats included.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Rausch Sturm LLP (FL)

THIS IS NOT A DUPLICATE COMPLAINT. This complaint is against the debt collection agency for XXXX XXXX XXXX who has lied that they have submitted a wage garnishment with the State of Florida. Raush, Sturm LLP has not filed anything with the State of Florida. Neither XXXX XXXXXXXX XXXX or Raush Sturm is supplying documentation of the alleged wage garnishment. See attached where XXXX  XXXX XXXX tries to send me to the Lawyer. All we are asking for is a copy of this wage garnishment. Why is it so hard that nobody can supply it, because there is not one. 

Raush Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX LTS XXXX We have requested over and over again for proof of the court filing of this wage garnishment and there is no wage garnishment. We have spoken to the State of Florida and there was no wage garnishment filed. XXXX  XXXX XXXX is trying to pass the buck to the Plantiffs attorney. Why is nobody able to provide this proof of court filing of wage garnishment that allowed them to take the money from my bank of account? 

In order to do a wage garnishment, it must be filed with the State of Florida. That did not happen. The state of Florida has confirmed there is no wage garnishment. XXXX XXXX  XXXX and the above company can not supply a copy of the wage garnishment. There is no such document that was filed with the court. This was not legal.