davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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. (CT)

Here is a summary from Experian where they continued to leave their error unresolved. 
They report that I have a delinquent account and yet they see that all accounts have been of the following. 
1 ) Paid, Closed/Never late 2 ) Open / Never late 3 ) Transferred, closed / Never late Yet in Experian 's page one of payment history, they incorrectly and fraudulently show 95 % on-time payments and on page two of their report, they register one account with late payments. The problem is that this is INCORRECT. In all the accounts that they list for me, they have nothing that shows a late payment or delinquency. And Yet, they have this delinquency flag showing something other than 100 % on time payments. 

This error is causing my XXXX  score by Experian to be wrong, They list XXXX whereas XXXX and XXXX both report 100 % payment history, less than 5 % utilization, and XXXX scores of over XXXX. Experian is Wrong and have NOT been able to resolve this issue for the past 3 years!! 

I have been on the phone with Experian for well over 6 hours this week alone and countless Hours trying to FIX this. I have provided over 30 pages of documentation and even credit risk advisory to help them resolve this that falls on deaf ears and Experian staff that do not help. 

Listed below is some of the correspondence that I am trying to resolve to provide the correct XXXX  score!! 

Thank you for contacting us regarding your Experian XXXX XXXX membership. We apologize for the delayed response. This email is in regards to ticket # XXXX that was submitted concerning issues you were experiencing with your credit report. 


Our technical department has determined that there is no error regarding your Score Factors. If it appears that there may be a derogatory indicator on your Experian credit report through the Experian Credit Bureau, please contact the Experian Disputes Center at ( XXXX ) XXXX at your earliest convenience to request a hard copy of your report to locate and confirm the derogatory information. 

NO ONE at Experian seems to be able to help resolve this Issue!
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

XXXX XXXX medical of XXXX XXXX billed VA for XXXX. VA XXXX paid this bill. I have confirmation. Then XXXX XXXX XXXX attempted to be paid twice for this by sending me bill. When I explained they proceeded to send it to a company called Credit Management who sent me bills and then I sent them the proof this was paid for and did not hear from them again until they added this to only one reporting agency XXXX. XXXX XXXX nor the XXXX reporting agency are reporting this fraudulent claim. How do I sue them for harassment and what this may do to my otherwise Excellent credit?
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (AZ)

XXXX sold my loans to Aidvantage. I have never received any paperwork from Aidvantage. I called to seek redress because I just discovered by accident that Aidvantage added XXXX to my balance when the loan was transfered. I was hung up on. No explanation of this increase was ever given. It occured during the loan pause during the pandemic, when no interest was allowed to be charged. I have been on IDR for years, and due to low income I have never owed a payment. Also I am retired and receive Social Security. I have applied for the Biden Student Loan Cancellation of XXXX, and was looking forward to to a reduction in my loan balance of XXXX to XXXX. Unless you correct this error, I will still owe XXXX! I make XXXX dollars a month. 

I have heard that Aidvantage has inflated and wrongly transferred many loan balances from XXXX accounts. Now I know it's true : it happened to me. Proof is attached.
Consumer complaint received 2020-09-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Debt Holdings, LLC (AZ)

I got a call from unknown number XXXX. I did not answer as I was at work. The number then called my boyfriend. I got on the line and a gentleman told me he was trying to serve me papers and was not sure what it was about but to call number XXXX.I was not able to get to that number so called the XXXX back and told they could connect. This caused red flags as it was the same guy and he did not offer to connect me before. I was connected to a man named XXXX. He told me he was collecting for a debt I owed. I explained I was at work and unable to talk but could call back, XXXX told me he had to have me pay XXXX plus today or they would call my HR. I told him to do what needed to be done and the call ended. 5 minutes later XXXX called my XXXX XXXX XXXX. I advised that he could not call this number as it was my work number and they had my personal cell to call. XXXX said I could not tell him not to call. I asked if he was a collection agency and he said no. I advised that if he was a collection agency I have the right to tell him not to call my job, he said I sounded XXXX and asked me to transfer him to HR. I told him no and to verify my employment to use the work number. He asked if I had that number I told him no but he could XXXX it, I told him I did not know the employer code but if he went to the site and typed in the name he could find it. At that point XXXX screamed at me to transfer him to HR. I stated did you just yell at me on my job phone. I told him this call is being disconnected and hung up.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NY)

I asked for debt validation as per 15 usc 1692g a ( 1 ), ( 2 ), ( 3 ), I asked for the following : the original contract stating any obligation to this debt. Who is the debt owed to and who was the original creditor that extended credit. I submitted to them different letters and phone calls. They did not respond with the validation requested. I stated if they were unable to find the request then im not obligated to pay anything and the debt is null and void and they arent able to collect. I also submitted a cease and desist in my letters on phone communications of contacting my family members or selling my address to other companies. Im being XXXX and people are being sent to my house without my consent. They are using abusive practices.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WI)

I have Positive Pay for checks enabled on my account. This means that no check should be able to be cashed without my prior approval. I have had 10-15 fraudulent checks attempt to be cashed in the last 2 months. All of them have been rejected, until now. 

On XX/XX/2021, two fraudulent checks were cashed for {$9500.00} and {$4200.00}. I received no notification for these and did not approve them. 

On XX/XX/2021, I noticed these checks and called Chase customer support. Technical support told me that it was a bug on their end and the checks should not have been cashed. After an hour and six cold transfers, I was speaking to the check claims department about reversing the checks. After questioning from the agent, he put me on hold and hung up on me.
Consumer complaint received 2022-10-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

This is a request for a validation of debt pursuant to 15 U.S.C. 1692g and other consumer laws. I have attached a copy of an invoice of some sort placed on the public record claiming that XXXX XXXX XXXX XXXX owes an alleged debt. I request an authenticated record from an accountant not a what is written on a piece of paper. I have the right to this request, and I demand an authenticated record of accounting from LAKEVIEW LOAN SERVICING , LLC and XXXX XXXX XXXX who works for LAKEVIEW LOAN SERVICING , LLC. 
This is request is also pursuant to 12 C.F.R. 1006.34, I request the following : XXXX. The Itemization date-1006.34 ( b ) ( XXXX ) ; 1006.34 ( c ) ( XXXX ) ( vi ) XXXX. The amount of the debt as of that itemization XXXX C.F.R. 1006.34 ( c ) ( XXXX ) ( vii ) XXXX. An itemization of the current amount of the debt that discloses categories of information since the itemization date : XXXX ) interest, XXXX ) fees, XXXX ) payments, and XXXX ) credits XXXX. The current amount of the debt as of the date that the validation information is provided. 12 CFR 1006.34 ( c ) ( XXXX ) ( ix ). 
Also, pursuant to 15 U.S.C. 1602 ( p ) - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. LAKEVIEW LOAN SERVICING , LLC has used my credit card for the last 3 years and I have received no benefits from the use of my credit card ( SSN Card ) as defined in 15 U.S.C. 1602 ( L ). Because my social security number was used to finance the home known as XXXX XXXX  XXXX, XXXX, SC XXXX, this is proof of fraudulent activity This company, LAKEVIEW LOAN SERVICING , LLC is subject to civil liability pursuant to 15 U.S.C. 1692 ( k ), and criminal liability pursuant to 15 U.S.C. 1611 for willful and knowing violation from a financial institution. 
I demand to be compensated for the use of Social Security Number ( credit card ) for over 3 years with LAKEVIEW LOAN SERVICING , LLC. I have tried to resolve the matter with XXXX XXXX ( acting as CEO ) by way of communication through mail and Supreme Court. I have a default judgment against XXXX XXXX ( acting as CEO ) and this individual and company has refused to send satisfaction of mortgage. 
I have contacted HUD and USDA for the location of satisfaction of mortgage and neither agency has them. This is fraud on LAKEVIEW LOAN SERVICING , LLC. I am requesting the MASTER FILE be given to me. I have a right to have to the XXXX FILE with no redactions. This is a request for an authenticated record of accounting on LAKEVIEW LOAN SERVICING , LLC. 
LAKEVIEW LOAN SERVICING , LLC and XXXX XXXX ( acting as CEO ) are in possession of stolen property and I demand that my property is returned to me.
Consumer complaint received 2021-04-22
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 (LA)

PayPal closed my account for no reason and will not help me with getting it back up and going in order to rightlfully retrieve my funds. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I have no other souce to store my funding and have recvently got out the hospital from XXXX XXXX and used PayPal quite frequently. My email linked to my PayPal is XXXX Re : XXXX ( Reference Number ) Message attached below You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 


XXXX ID : XXXX
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

A line of credit was opened with bank of America was opened via XXXX without our knowledge on XXXX 2022 with a credit limit of $ XXXX. We were warned by XXXX and XXXX via XXXX XXXX on XXXX 2022. Fortunately no charge were made. This account was created with our former address. We called Bank of America and they cancelled/closed the account. We are now reporting this to you. Thank you
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: M&T BANK CORPORATION (GA)

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  apart from being extremely slow are not reporting positive information on my credit. 

Since 2019 I have hired a credit repair company and have aggressively pursued a credit increased score. XXXX  seems to have a higher score with a XXXX points difference. Equifax and XXXX  are behind for an entire 2 years of ameliorating my credit score. They are stagnant credit bureaus. 

I have paid off many items for 6 months and they still have not reported any of them. I have several mortgages in which they still have old amounts from years ago when they should be current. Some of the mortgages are XXXX less and they are still reporting higher debt amounts. They are also not reporting payoffs. Which increases my debt to income ratio lowering my credit score. They need to update credit reports more diligently and accurately. Their process of updating is just too delayed, making it impossible for people to have positive credit ratings. While one credit agency is reporting a high credit score. Equifax and XXXX  are continuously stagnated on the same score for over years. This needs to change! They need to value families more and be more diligent in the services they are providing. 

Credit is very important to be able to have purchasing power. At the moment I have to rely on old information they still have archived on my credit report. Many of them from decades ago declining my opportunities.
Consumer complaint received 2020-05-05
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. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX XXXX  file number XXXX experian Report Number XXXX XXXX  lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in XXXX   Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch (CA)

I'm being charged {$250.00} by a company for an uniform that was return on time. It was for an employment I never accepted working for but they still held me an uniform to start but due to personal circumstances I never start and I left ( XXXX XXXX ) where the company is located. The uniform was return on XX/XX/XXXX and I left around XX/XX/XXXX and it is XX/XX/XXXX and they are charging me that amount. I submitted a photo stating when it was return.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (NV)

I hereby declare that the following is true and fact : The Navy Federal investigators determination regarding the herein referenced dispute, filed on XX/XX/XXXX, and the Merchants claims of a purported debt appears to be founded upon a false record, in violation of U.S.C Title 18 2071 and 2073 and further ; uttering and possessing false obligations and in violation of U.S.C Title 18 -471,472,473 and or 513, and further using XXXX business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq.

I hereby declare that the disputed charge of {$1500.00} is a fraudulent charge.

I hereby declare that no valid Bill of Sale exists which obligate me to pay XXXX XXXX XXXX anything. 
I hereby declare protest and appeal to Navy Federal Credit Unions prejudicial claim determination regarding this matter. 
I hereby declare that Navy Federal Credit Union is willfully conspiring with XXXX XXXX XXXX to charge my account in the amount of {$1500.00}. 
I hereby declare that Navy Federal Credit Union or its claims investigators are not in receipt of any verified evidence which prove that XXXX XXXX XXXX ( merchant ) has a right to charge my account. 
I hereby declare that the all evidence or proof used by XXXX XXXX XXXX pertaining to this matter are void and or misrepresented. 
I hereby declare that I intend to sue Navy Federal Credit Union for the prejudicial decision of its claims investigators who have violated my reserved rights by allowing fraudulent charges on my account. 
I hereby declare that Navy Federal Credit Union willfully refuse to provide me with all accounting papers and documents used to determine my claim as requested. 
I hereby declare that because I have filed previous dispute ( s ) unrelated to this matter, Navy Federal Credit Union is discriminating against me regarding this matter.
Consumer complaint received 2022-08-20
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. (AL)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 instruction.
Consumer complaint received 2022-12-13
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. (TX)

EQUIFAX is causing me damage to my character and ability to obtain credit by their willful non compliance to remove accounts identified as a result of identity theft per attached letter dated XX/XX/2022. I provided the required documents. Most of the accounts/addresses were removed. 

I am requesting a copy of my consumer file from Equifax that has the certification that a representative of Equifax saw the written permissible purpose documentation as prescribed in 15 USC 1681 b2 that provided the permissible purpose that Equifax certified that I gave permission to these companies to have this information furnished on the consumer report. 
Because under 15 USC 68O2. None of these companies, financial institutions or third party affiliates can not put anything on my consumer report without my permission without my written consent. 

I demand the following accounts be deleted immediately. 

Name of account Account Number XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-11
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. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX : {$2000.00} XXXX  XXXX XXXX Balance : {$21000.00}