davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (NY)

I refinanced my private student loan with MEFA. Previously the loan was serviced by XXXX XXXX. The new MEFA loan is services by XXXX  XXXX. It took longer than anticipated for MEFA to satisfy the previous balance, therefore I made an additional payment of {$540.00} with the prior servicer ( XXXX XXXX  ). The loan was paid by MEFA around the end of XXXX. I called MEFA and asked when the first payment would be due, I was incorrectly told XX/XX/XXXX, the month after the payment. I was also told to contact the new servicer XXXX  with any additional questions.I then called XXXX to confirm where the excess would be sent. XXXX XXXXXXXX stated that it goes to whoever made the last payment, which in this case would be MEFA. 
In early XXXX I contacted XXXX  but they did not have my loan on file yet. I was able to set up an online account with them on XX/XX/22. This is when I found out the first payment was due XX/XX/22. I contacted XXXX  via phone to find out why the payment was earlier than anticipated, and what the disposition of the extra {$540.00} payment would be. The XXXX  representative stated it was due XX/XX/22 because the payoff was mad in XXXX. The representative also stated that the {$540.00} would be applied to the current bill, and any excess would go towards the principle. About a week later I called XXXX  again because I was concerned with the overpayment check arriving before XX/XX/22. The second XXXX  rep told me, via phone, that when the check is received it would be applied as stated above, but if I was concerned with it arriving late I can just make an additional payment. I stated that I did not want to pay twice, to which the rep-stated, any extra payment would just go to principal. 
Today I reviewed my XXXX  account and it is listing the {$540.00} was applied to principle only and not to the XXXX amount due of {$520.00}. It also stated that my account is now 11 days past due. I then live chatted with a rep who stated, for the first time, that lender payments can only be applied to principal. This is not listed anywhere on the website or in the MEFA loan agreement. Then the rep tried to say since the payment was made to the previous servicer before the loan was dispersed, it has to be applied to the principal. Which is also not stated anywhere on XXXX XXXX website or the loan documents.
Consumer complaint received 2023-03-23
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. (GA)

Because I disputed an account with XXXX XXXX XXXX XXXX, the company has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my consumer report and closed my account without my lawful authority or notification. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) C. The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX to furnish any " late payments '' to my consumer report. It is my belief that due to XXXX XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2023-05-26
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. (NC)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-11
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2022-08-15
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. (SC)

Hi, I'm filing this complaint with the Credit Bureaus because I believe the account below that is posted on my consumer report is a fraudulent account. I have no recollection of opening an account with XXXX XXXX XX/XX/XXXX. I tried disputing this with them to get more information on this account but they did not disclose any information to me. The account number is below. 

XXXX XXXX XX/XX/XXXX- acct # XXXX I've filed an identity theft report with the FTC and that report is attached below. I ask that this information be removed from my consumer report immediately because it is a fraudulent account.
Consumer complaint received 2021-10-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I have never received a bill from the hospital, nor any type of communication from the collection agency regarding these debts from XXXX XXXX. I first learned of the accounts when they appeared on my credit report. I first disputed the debts on approximately XX/XX/2021 with no resolve. I requested verification from XXXX XXXX and they sent me itemized statements from the hospital which state THIS IS NOT A BILL. I re-disputed the information with Experian and submitted the documentation from the collection agency and they still did not remove the accounts from my credit record.
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XX/XX/XXXX, I responded to a letter about credit cards from XXXX XXXX. XXXX XXXX sold the account to Portfolio Recovery and I advised them that the amount claimed owed from XXXX XXXXXXXX was inaccurate because payments/refund from a cancelled cruise in XX/XX/XXXX was credited to the account. I also wrote to XXXX XXXX in XX/XX/XXXX. Both responded as if no payments were returned to XXXX XXXX. Portfolio Recovery provided copies of billing statements up to XX/XX/XXXX, and did not provide any statements showing credit/payment for the cancelled XXXX cruise. 

I just discovered that Portfolio Recovery have reported the account to XXXX even after failing to validate the amount owed during the validation period,
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

The XXXX XXXX XXXX XXXX Sent my account to collections. I have always been insured. And my insurance covers everything. I have state insurance. So this debt is not mine. The clinic needs to contact Insurance to handle this and remove it from my credit report as soon as possible. This is not OK. Due to someones clerical error and Ill have a negative report on my credit. I tried to file two disputes with Experian, who did not help, all they do is believe the debt collector. Very unhelpful I do not recommend Experian. Im not going to pay this. Im not responsible to pay this. So if this clinic wants their money they need to bill my insurance which they have on file. I will not stop disputing this
Consumer complaint received 2020-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BBVA FINANCIAL CORPORATION (TX)

As We stated, the GAP coverage was through a third party and we needed documents from BBVA to submit to the Third Party to process the GAP coverage claim. BBVA failed to provide those documents. Why are they still saying that I inquired about GAP coverage through them? Why to date that have not provided the information I requested? This is unbelievable. This file was closed based on a stupid response from BBVA. I advised the reason for my complaint and it still hasn't been fulfilled. This is unbelievable. I had outlined the items that was needed to " PROCESS ' the " GAP '' coverage through the " Third Party '' in my initial complaint, but I see that it wasn't even addressed! Since then! Can someone please help me! I'm being bamboozled here and no one is doing anything about it. Why? Why? Why hasn't BBVA sent the forms that I needed to have the other company process the GAP! Proof of purchase, Manufacturer 's agreement, Bill of Sale, and a copy of the Cancelled check? This is what I asked for and got nothing but a closed response. I have tons of emails with no replies and out of this entire process, I was only able to speak with BBVA when they were trying to secure the check from the insurance  company. I've gone to the bank multiple times and sent emails, but to no avail. This is preposterous and unbelievable! Please call me XXXX or my wife XXXX at XXXX.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

XXXX @ CFPB - Id been a happy customer of Amex for many years, and AmEx remains one of the great pillars of the industry in my mind. My customer experience with Amex has been almost entirely first-rate, but I've unfortunately been unable to resolve my issue through customer service or the office of the executive, XXXX XXXX. 

This past summer ( 2019 ) I excitedly added the redesigned Gold Card to my wallet. As part of the advertised Welcome Bonus, after validating my first three Statement Balances collectively exceeded {$2000.00}, I expected to see XXXX reward points credited to my account. To my surprise and disappointment ( citing some buried Terms ; mostly about the exclusion of the card fee and technicalities around the dates of the promotional period ) the customer service and compliant reps I spoke to did not agree with my perspective, that the marketing of this card was deceptively incomplete in comparison to the Terms, and they declined my plea for an account credit of the welcome bonus. 

While I have since closed my Gold Card account, I am still optimistic that a reasonable reexamination of the marketing communications, as well as my account history, would show that I am operating in good faith and with a reasonable interpretation of the marketed offer. Im also hopeful that the damages from the withheld Welcome Bonus will be delivered with an apology for the misleading communication and arduous customer experience to receive merely what was promised in the advertisement ( especially after upholding my end of the spending threshold as advertised ). Any help the CFPB might provide in resolving this issue would be tremendously appreciated. 

Very Respectfully XXXX XXXX Account Ending XXXX
Consumer complaint received 2020-01-19
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. (TX)

I RECENTLY MOVED TO XXXX XXXX  IN XXXX OF XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN XXXX  AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM EXPERIAN AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/XXXX XXXX
Consumer complaint received 2021-09-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/21, I made my last mortgage payment to Lakeview Loan Servicing , LLC ( XXXX ) and they withdrew {$720.00} for Escrow ( taxes, PMI and home insurance ). On XX/XX/21, Lakeview withdrew {$240.00} for PMI. I refinanced and this loan was paid off on XX/XX/21, Lakeview was paid {$340000.00} ( total payoff amount per payoff letter ) to include principal, PMI, taxes and home insurance up until XX/XX/21 ( payoff date ). Starting on XX/XX/21, I made numerous calls to Lakeview at the customer service/billing number saved on my cell phone ( which I always used and was good in the last 3 years ) ; however, my call never went through because their automated system no longer recognized my phone number, social security number and/or loan number # XXXX on file. Therefore, I emailed Lakeview on 3 separate occasions ( XX/XX/21, XX/XX/21 and XX/XX/21 ) using my XXXX email account addressing the issue their automated system is not recognizing my phone number, social security number and/or loan number and I CAN NOT get through a live person or move forward. The only response I received from Lakeview through their automated email system was a generic response, such as, " thank you for contacting us, a more experience person regarding your request/needs will contact you. '' I requested for someone to CALL me, but they haven't til this day. On XX/XX/21, the day of the payoff, Lakeview withdrew {$780.00} for escrow ( taxes, PMI and home insurance ), {$830.00} for interest, {$310.00} for interest again and leaving an Escrow balance of {$4000.00}. On XX/XX/21, Lakeview withdrew {$240.00} for PMI leaving an Escrow balance of {$3700.00} even though the account/loan was paid off in full on XX/XX/21. I visited the XXXX XXXX XXXX website and found a lot of complaints against Lakeview Loan Servicing , LLC and XXXX regarding their illegal and/or unethical practices similar to mine.
Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TN)

FOR years, I have used a Fidelity Investments CREDIT Card LINKED to a Fidelity Investments INDIVIDUAL ACCOUNT starting w a XXXX, ending XXXX. You use it to ccumulate points THEN I CHOSE TO HAVE THE {$50.00} REWARD T R A N F E R R E D TO THE INDIVIDUAL ACCOUNT AS CASH ... I've done this successfully at least 3 times. 
THIS TIME, I CALLED SAME NUMBER, DID SAME THING WAS C O N F I R M E D MONEY WOULD TRANSFER WITHIN LIKE 3 DAYS THEN I GET AN EMAIL THOUGHT MAYBE SPAM BUT I JUST RECEIVED INDIV ACCT STATEMENT, THE {$50.00} IS N O T THERE THE EMAIL SAID!!! N O W, TO GET THE REWARD TRANSFERRED, I MUST, YES, M U S T!!! 
GO ONLINE AND DO ONLINE BANKING WITH FIDELITY to get the {$50.00} I NEVER DO ONLINE BANKING NEVER EVER E V E R I DID NOT AGREE TO THIS CHANGE AND THE AGENT CONFIRMED THE {$50.00} TRANSFER WHEN I CALLED. 
Classic Bait and Switch
Consumer complaint received 2022-07-25
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. (CA)

records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} TRANSUNION : XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-05-26
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-19
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)

I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA 's. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.