davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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 2015-07-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Auto Finance is reporting a repossession on my credit report that is inaccurate, false, and a violation of the Fair Credit Reporting Act. I have sent multiple disputes in to dispute the entire account to insure proper information is being reported. I have a feeling that some of the information is being listed incorrectly. 

1. The balance of {$8800.00} is not accurate. 
2. The date of last status XXXX is not accurate. 
3. The charge off amount of {$10000.00} is not accurate. 
4. The account history of is not accurate. They are reporting - Repossession as of XXXX XXXX ; Charge Off as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX ; 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXTherefore, this information is not accurate and until they can prove it, then it is also a violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my XXXX XXXX, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Consumer complaint received 2023-10-26
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. (CT)

My federal student loans resumed in XXXX with my lender AidVantage. On XXXX  I made a payment in the amount of {$380.00} for the month of XXXX with my linked XXXX XXXX XXXX checking account. I got a confirmation email with # XXXX. I then get an email on XX/XX/ saying the terms of my loan have changed and that i now still owe an extra {$4.00} for the month of XXXX. I pay this with the same linked XXXX XXXX XXXX checking account with confirmation XXXX XXXX I then see on my account that my XXXX balance will be {$380.00}. I want to know why my payment has changed already given that this is a fixed standard repayment plan, this feels like fraudulent activity to me and a quick search on the internet shows that others have been having the same issues. To make matters worse I then go to my payment history on AidVantage which is when i see that there is a payment reversal of my original {$380.00} as well as the additional payment of {$4.00}. I checked my bank account and saw that funds were never withdrawn. I then call my bank and they said that there was never an attempt from them to draw funds from my account. I want to know why AidVantage is not allowing me to make payments and why my monthly payment amount is changing. I do not want this to go against my credit. I am just an honest hard working guy trying to pay back my loans. I have been searching for this issue on the internet to find that I am not the only one AidVantage is doing this to and they need to be held accountable.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I write to XXXX, XXXX and TransUnion to again DISPUTE my XXXX XXXX Bank ( Synchrony ) accounts AND request that you include the below CONSUMER STATEMENT for Each of the XXXX XXXX  accounts which means there must be XXXX account specific consumer statements for each of my XXXX XXXX  accounts incorporated with data for each of the XXXX accounts. I have filed numerous disputes for over 9 months with every CRA and directly with XXXX disputing each of the XXXX accounts. However, every time the required DISPUTE status is entered in my credit reports, XXXX deleted them and every CRA willfully violated its Facially False Data prohibitions of the CFPB. Such violations are deemed willful by the CFPB and carry statutory damages of {$1000.00} per violation per account per event plus XXXX times punitive damages ( see XXXX, XXXX XXXX XXXX ) making damages of multi XXXX dollars per account. In XX/XX/2023, I filed multiple consumer demands with the American Arbitration Association ( AAA ) claiming entitlement to over {>= $1,000,000} in statutory and punitive damages per account pursuant to Synchronys arbitration agreement. I have attached multiple letters from AAA to evidence arbitration cases along with pages XXXX, XXXX and XXXX of each claim regarding federal jurisdiction about liability if matters were filed in a XXXX XXXX XXXX. XXXX has retained counsel and the multiple AAA cases are awaiting fee payments to AAA by XXXX plus its Answers due shortly. I have not filed any federal court case against any CRA yet in hope of obtaining FCRA compliance, especially account deletions. I owe XXXX {$0.00} and it owes me millions but my credit reports are inaccurate. Liability continues to increase for XXXX and every CRA by failing to report accounts as disputed and failing to report the date of account closure by consumer. Please investigate and update your reports and delete accounts to mitigate damages. I will surely XXXX CRA records so I expect that the investigation process will be thorough and complete. I ask that you include the following account specific consumer statement for each of the XXXX accounts. XXXX STATEMENT For each of my XXXX XXXX  Bank accounts, Synchrony is liable to me for statutory and punitive damages for every account for repeated WILLFUL FCRA violations exceeding {>= $1,000,000}. In XX/XX/2023, I filed multiple XXXX page Consumer Demands with the American Arbitration Association ( AAA ) detailing specific calculations of its multi-million dollar liability for each account. AAA cases are pending awaiting payment of billed AAA fees and Answers in each case by the AAAs deadlines. I insist on 100 % compliance with the FCRA, FDCPA and other statutes and I will continue to file Arbitration cases with the AAA or JAMS against violators pursuant to arbitration agreements or otherwise in Federal Court if no arbitration provisions exist.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (CT)

On XXXX XXXX  I applied for the SAVE repayment plan & was told by Aidvantage it would take about 45 days for the application to be processed. At that time they estimated my payments to be {$390.00}. 
On XX/XX/XXXX I received an email from Aidvantage that my application was approved and my payments would be {$670.00} On XX/XX/XXXX I called and spoke with an agent at Aidvantage who told me she would reapply for me, I provided her the information she asked for and she said I was all set, that I would be hearing from Aidvantage in about 45 business days On XXXX  I received and email from advantage saying XXXX, your Income-Driven Repayment ( IDR ) plan request could not be processed and It's too soon to process your IDR recertification On XXXX  I called and spoke with an agent at Aidvantage who told the previous agent recertified me, not reapplied. The agent said that we could reapply over the phone. I provided her the information she asked for and she said I was all set, that I would be hearing from Aidvantage in about 45 business days. 
On XX/XX/XXXX I received and email from Aidvantage saying XXXX, your Income-Driven Repayment ( IDR ) plan request could not be processed and It's too soon to process your IDR recertification On XXXX I called and was on hold so the agent could speak with a supervisor. I provided her with the same information about filing status, income etc and she put me on hold. I was on hold for 20 minutes and then disconnected. I called back again and spoke with a man who said the agent before me reapplied and my new payment estimate is {$750.00}. 
I have spent hours trying to figure this out only to feel like Im being scammed by a predatory loan company trying to take more than what I can afford. I still have not gotten this addressed and am begging for help. What are borrowers supposed to do to get the help they need. Im trying and spending hours of my time only to get nowhere and told were having trouble with our phones disconnecting by the loan company.
Consumer complaint received 2016-03-23
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (FL)

A vehicle was advertised on XXXX, supposedly by a XXXX XXXX XXXX, XXXX. The purchase was to be made following receipt of an " XXXX '' invoice and deposit of cash into a REloadit Safe account. The vehicle would then be shipped by the " XXXX XXXX '' at XXXX XXXX MD. There was supposedly a seven day trial period upon arrival of the vehicle. Communications between the potential buyer and the impostor were by internet text and email. Research indicated a cyber crime scan.
Consumer complaint received 2023-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (LA)

This is the third time I've had problems with this company trying to keep the money the state has given me to help me during these trying times. I have filed a complaint before which is the only reason they didn't steal all my money the first time, which by the way they still didn't apply the money how it was suppose to be applied. The money from the state is to pay my mortgage payments, they took half of it and applied it to my principal which isn't what it was put there for. It was to pay 12 months of my mortgage but they only applied it to six and then took the other six months and applied it to the principle. Now the state has sent more money to help and the mortgage company is trying to keep this money. I really need this help. I hate to see the people who don't know how to stand up being taken advantage of. What they are doing is wrong. This money is to help people like me who need the help, not for the mortgage company to try and pocket. They make people jump through hoops to get the money applied to where it is suppose to be applied hoping we fall short so they can keep it. The money was sent to help me and pay my mortgage. The money is sent to take care of my mortgage payments, not for them to apply to my principal which does not help me because it's a 30 year loan. It's to help me now, not for the mortgage company to decide to keep it
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (OH)

I am unsatisfied and have new documentation to provide and prove that this company has been reporting information falsely and refuses to correct a late payment on my account from XX/XX/2023 I received an email on XX/XX/2023 stating that I will receive a late fee due to my account being 15 days late and in this email it stated that its not too late and will not affect my credit if I login in and make a payment by XX/XX/2023 I made a payment on XX/XX/2023 which the company is verifying that I did.. I told them I experienced some issues with adding a new payment method which caused me to be more than 15 days late for XX/XX/XXXX payment.. however on the same day XX/XX/2023 they reported to the credit bureau that my account was 30 days past due! If my payment for XXXX was due on XX/XX/XXXX and I paid on XX/XX/XXXX how and why are they reporting inaccurate information to my credit report I now have additional information to provide proof of this complaint and I am begging for someone to look into this matter.. A company is providing consumers with false information and reporting another thing. Yes I did make my payment more than 15 days late due to a new payment method and having identity theft but however I got an email after this stating if I made the payment by XXXX this will not effect my credit I am attaching this email.. this is badly effecting my credit in a negative way.. I spoke to a supervisor and she did say they sent that email and that email was correct but the email is invalid because of a previous month being late.. they have not marked on ny credit any previous month being 30 days late.. the supervisor stated because XXXX payment was late that email was not valid but was sent to me.. this is contradictory they are giving consumers false hope by sending out these emails stating one thing and doing another.. this is suppose to help consumers build credit yet they are destroying our credit.. Ive asked for them to remove this late payment on good faith cause and they still have denied my request even tho I have an open account with them and making payments until XXXX they do not care about the negative information they are giving consumers and how this could affect a consumers everyday life.. I would like you to review this new information Ive been sent and question the company why they would send to a consumer that they have until XX/XX/2023 to make a payment before reporting XXXX payment as late but the same day they sent the email they reported the account as late.. I am trying to buy a home and they refuse to work with me or correct this late payment. I have uploaded to emails one with the date showing when it was sent and the other is the body of the email proving they told me they would not report the account as late until after XXXX
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I wish to practice my right as a customer of JP Morgan Chase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with JP Morgan Chase. In order to clear up the myriad of letters and correspondences I have XXXX sent to JP Morgan Chase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of JP Morgan Chase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with JP Morgan Chase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I filed a dispute with XXXX, XXXX, and XXXX about an unknown debt listed on my credit report as a collection item. completed the form dispute process and asked the collection agency, XXXX XXXX XXXX, to provide me with documentation validating the debt belongs to me. 

On XXXX XXXX, 2016, I receive a letter from XXXX XXXX XXXX XXXX XXXX, where they failed to provide validation of the alleged debt to XXXX ( Merchant ) or the alleged original creditor, XXXX. The collection agency, cited the " seller 's records '' but failed to provide me with documentation that this debt belongs to me. 

I am requesting that the invalidated debt be immediately removed from my credit report.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (CT)

Avant credit card someone used card out in Florida and there are 4 charges not mine.XXXX {$10.00} and XX/XX/XXXX {$16.00} and XX/XX/XXXX {$95.00} and XX/XX/XXXX {$460.00} not mine I have called many times to straighten out I dont get know where I closed the card because they kept using but charges keep going up.I finally paid {$50.00} on it yesterday I told them that I owed like {$1100.00} on card the rest is not mine I cant get anywhere it is still on statements help please
Consumer complaint received 2015-07-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

My issue is that i 'm a single parent with a background that took up XXXX hoping to obtain work it 's been almost XXXX year 's and i 'm still without work for a trade i obtain and still with a loan i cant afford. my name is XXXX XXXX XXXX XXXX my school was XXXX XXXX XXXX in XXXX, IL
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am starting the process of buying a car as my current vehicle has started leaking oil and I am trying to get a safe and reliable vehicle for myself and child. I decided to pay XXXX for a subscription so that I can start to shop and get the best rate possible. I noticed several inaccuracies, and accounts that I do not recognize including inquiries. 

I have requested several times for proof. These bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are mine and being reported accurately. I am referencing to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly DELETE all information which can not be verified. 

I receive a response back that the information is accurate and the bureau will then update my report still reflecting inaccuracies without ever supplying me with any proof. Who verified the inaccuracies? I have a right to this information so that I can follow up with them directly referencing Section 611 ( a ) ( 7 ) They are in violation of Federal Law by allowing these unverified accounts and items to remaining my credit report. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is not only mine but is also accurate. 

How is this fair? I have tried several times through written mail, phone calls and using their online systems. I honestly do not believe that a person is even looking at my requests let alone investigating my disputes thoroughly. 

Finally, In accordance with the fair credit reporting act 15 USC 1681, my rights have been violated and these accounts continue to negatively affect me. I am starting to feel despair because I feel like I am being bullied by the CRAs and that they are counting on the fact that a single individual may not have the time or resources to resolve these issues.

I am not typically a confrontational nor litigious person. For months I have let this go as I had given up and just accepted the fact that I will have to deal with this. However, I realized that laws are made for a reason and are there to safe guard and keep in line for fairness and equality. 

The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if these companies continue to disregard and fail to comply with Federal Law, I fully intend on pursing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2023-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

portfolio recovery has been asked to provide a signed document of release of judgement for over a year since the debt has been paid. They provided an unsigned copy but have not released the judgement which is causing financial hardship as I am XXXX and unable to obtain a clear title to sell my home. Several calls and requests have been made.