davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I received a phone call on XX/XX/XXXX regarding XX/XX/XXXX payment and it being close to 30 days and it being reported to the Credit Bureau. I said I believe I made that payment. I will check my records and call back or make that payment if this is correct. I called back that same day and told the Cust Service Rep. that the check cleared the bank on XX/XX/XXXX. He said he found the payment. I said what may have happened is it may have been applied to my previous lease. I forgot to update the acct. no. in the Bill Pay section of my bank acct. I asked him to apply it to my current account for my new lease immediately as I did not want it reported to the Credit Bureau. He said he couldn't because I sent it to the wrong account. He said it wouldn't be applied until Wednesday, which would put me at 30 days. I said if it cleared the bank already and the money is there, why can't you apply it immediately? Where is my money? I then asked to speak to a supv. He put me on hold and came back and said everything 's okay. It will be applied on Monday. ( A more detailed explanation will be attached ) XX/XX/XXXX I receive a statement indicating I had an unsatisfied lease and money had been applied to that, which is less than my new lease amount. So, I want to know two things : Why are you saying my previous lease was unsatisfied and yet sell me another car? And why send this statement 8 mos after the lease expired? And another thing, where is the difference between the two amounts ; where did that go? I never received notification about a balance owed on the previous lease until I addressedXX/XX/XXXX payment. So now my account will always have an overdue balance because the " misapplied '' my misapplied XX/XX/XXXX payment. My credit dropped 30 points. I was devastated. I had made numerous calls and each time I am told something different. This is extremely frustrating. The last Rep I spoke with did open a fraud report, by I no longer trust these people. They even had the audacity to send a survey via email. Really? Trust me, you don't want to know what I really think about you or XXXX XXXX   in XXXX XXXX, NJ. This whole lease experience was a complete nightmare.
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Account is hurting my XXXX XXXX XX/XX/year> the limit is XXXX balance is XXXX Be advised, this is not a refusal to pay, but a noticed that your claim is disputed and violation is requested under the fair debt collectors practice act I have the right to request validation of the debt and say I owe you. I am requesting proof that I am indeed, the party you are asking to pay this debt and there is some collateral obligation that is binding on me to pay this debt. This is not a Verification or proof of my mailing address but a request for validation made pursuant To 15 USC 692G section 809B of the FDCPA I respectfully request that your office is provide me with competent evidence that I have any legal obligation to pay you
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

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 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

I have received a notice from Sallie Mae to call them about a loan. I called Sally May and XX/XX/2017 the representative I talked with had told me that we could pay a one lump sum of {$6700.00} to pay the loan off and we would be saving money on the interest. I had asked the representative if it was OK if I got back in touch with her to talk with my husband to see if we could get a loan to pay this amount and save a little money on the interest she said that was fine. I then called back on XX/XX/2017 and talked with the representative to see if we were still eligible to pay the lump sum of {$6700.00} to the Department of Education and save on interest. The representative told me that was fine she had to go over other details if we want to do payments like XXXX dollars a month I told her no we would do the lump sum payment of {$6700.00} she said that was fine so we made the payment department of education student loan deposited it. I was told that the loan is paid off and we save some money on interest. Never heard any more correspondence to this. Until my husband received a credit report and this was on there {$780.00} interest not paid regarding this loan that we did pay off. So now my husbands credit is bad. I had called to find out what was going on and they sent it to the XXXX for collections which was very unfair on the dates I spoke of XX/XX/2017 and XX/XX/2017 these messages were recorded by this organization federal loans they could go and listen to the recording. I was told by XXXX that the representative never signed off on it and now I am up to almost {$900.00} in interest if I didnt do the one lump sum and just pay the XXXX Id be paying less now theyre getting more money out of me which is not my fault or my husbands fault I sent to other children to college never had a problem theyre almost done or they are done with their bills are ready and now I am having problems with my last son this is not fair we got a loan out for the amount of {$6700.00} I have the check that the Department of Education deposited we were Told that the loan was paid in full we owe nothing now after so many months I am sent to collections agency for something that is of not my doing. I need someone to please help me with this situation Ive had hardship financial problems and I just cant afford to give money when I did nothing wrong I paid the debt and now they are trying to tell me I have to pay them more. I was told by Department of Education and by XXXX that the representative that took the payment never signed off so thats why it went into collections for the interest how is this my fault it is all on recording I paid in full if you listen to the recording you will hear that we paid for it all and fall could somebody please help me with this situation. Sincerely XXXX XXXX my email is XXXX my phone number is XXXX I would appreciate if somebody could help me with this situation thank you so much.
Consumer complaint received 2024-10-07
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)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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 an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of a fraudulent account appearing on my credit report. This account was opened as a result of identity theft and contain inaccurate and false information. The fraudulent account is as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} This account have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that this fraudulent item be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I began asking Transunion why they are not updating my score. I ama XXXX XXXX veteran and I need housing - I need the score to be right. I paid off my creditors. They insisted that somehow mysteriously ALL of my creditors did not report for XXXX. This incredible coincidence. After many calls and supervisors and lies a supervisor asked if I want to file disputes - I said yes, against Transunion. He files all the disputes and sends them all out to my creditors - hard to understand him, he's from XXXX. I start telling my creditors it's a mistake - no dispute about my new low balances. I call again - furious - and insist they have the internal problem. They now tell me the disputes will leave my low score in limbo until resolved. So I'm totally XXXX in every direction. And all of my creditors have the dates that they reported. Now they want me ( I'm XXXX ) to fax them info to stop the disputes - a trip out to find a fax. And that doesn't solve my score issue anyway. NOW, in the meantime, I had joined their site and they're charging me {$19.00} per month for " updated scores '' and another {$19.00} if I update for that day. That is fraud. Also, somehow, XXXX XXXX got a hold of updated Transunion info. and my score did rise and I can see the dates and why the score went up a bit. So XXXX XXXX has info but those numbskulls have me locked into a lower score for {$19.00}. It's a mess. To be specific, lets focus on the fraud part. The blatant lies around the XXXX and turn that into XXXX dollars and XXXX cents lawsuit as well as class action investigation. This is all on their tapes. Everything I'm saying can be proved by all the tapes they have.
Consumer complaint received 2024-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

XXXX payments in total have been sent to the loan company and have been cashed, however they have not been credited to my account. The payments were sent to the wrong XXXX XXXX XXXX however Ed-Financial claims they have located them but have yet to credit a payment to my account. 

XXXX payments were made to the 'incorrect ' XXXX XXXX XXXX the first payment credited to my account within 5 days. The next four have never been credited to my account. Checks have been cashed. I've provided copies of the cashed checks. I've called 5-10 times and each time I call they provide a different time frame. I've also emailed their customer service team, and the responses say that they can not tell me when the issue will be resolved. In the meantime, I'm continuing to accrue interest on balances already paid. The oldest payment was made 91 days ago and I'm still waiting for the payment to post to my loan account. 

Payment # 1 was made {$230.00} on XX/XX/year>, check was cashed on XX/XX/year> & pymt posted Payment # 2 was made {$230.00} on XX/XX/year>, check cashed on XX/XX/year> - still waiting Payment # 3 was made {$230.00} on XX/XX/year>, check was cashed on XX/XX/year> - still waiting Payment # 4 was made {$500.00} on XX/XX/year> check was cashed on XX/XX/year> - still waiting Payment # 5 was made {$230.00} on XX/XX/year>, check was cashed on XX/XX/year> - still waiting Of course, after confirming the first payment posted, I didn't continue to check the portal, it it was not until I got a phone call from the loan issuer telling me I'm behind several payments that I checked to see NO payments posted since my first one. I promptly sent copies of the cashed checks to the loan servicer and expected it to be handled. 90+ days and I'm still waiting. I've been told by customer service rep 's that the payments have been located and it takes 30-60-90 days for them to post. During each discussion I was given a different time frame. In email responses, they indicate they can't tell me how long it will take. I had to make additional payments to keep my account from going to collections. I'm still waiting for credit to my account and still accruing interest. This is extremely frustrating, when all I'm trying to do is be the honest person and pay down my debt.

I'm getting nowhere contacting the loan servicing company Ed-Financial and I've contacted them A LOT.

I also contacted the issuer where the payments were sent and cashed ( XXXX ) and they were not able to help me at all they told me to file a complaint with the Student loan.gov, which I did
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XX/XX/XXXX? XXXX Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Days of receiving this complaint. This information consists of a cell phone account, XXXX account number ( XXXX ) A medical bill account number ( XXXX ) A car loanXXXX XXXX XXXX  Account number ( XXXX ) And a credit card account, Account number ( XXXX ) these accounts has resulted in several fraudulent hard inquries and collections appearing on my consumer credit FICO report. All of the aforementioned accounts, are the result of identity theft. i have attached a copy of my FTC report, as proof that these accounts are fraud.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX has my bank account information showing on my consumer reports without deposits made by employer and all transactions and I want it removed immediately as well as I want to opt out of all three credit agencies being able to access my personal information and account information and anything concerning or pertaining to my social security number permanently
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IN)

My loan server for a federal student loan is EdFinancial Services from XXXX, TN. 

I paid {$1100.00} in XX/XX/year>. Before the payment cleared, I paid the remaining balance of over {$34000.00} and closed the account. Thus, I overpaid the loan by {$1100.00}. I immediately asked for my overpayment to be returned. In XXXX, I checked the status. EdFinancial Services stated that they asked for a refund from the Department of Education but stated that there was no timeline for a refund. For the next few months, I kept checking the status. I was told that the refund was issued on XX/XX/year>. Today 's date is XX/XX/year>, and I have not received it yet. 

EdFinancial Services stated that there is no timeline for me to receive the check. Seven weeks to get the check in the U.S. mail is way too long. Obviously, there is a problem. On XX/XX/year>, I did ask for the check to be canceled and for a new one to be issued. I was then told that a check for {$590.00} was issued on XX/XX/year>, but that does not make sense. I questioned it, and EdFinancial Services went back to their original statement that a check of {$1100.00} was issued on XX/XX/year> and there is no timeline for me to receive the check. It has been almost 5 months now.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I few months back I contacted XXXX  in regards to fraudulent accounts one being XXXX XXXX. I sent in the necessary documents affidavit, police report. They removed the account now the account has appeared back on my report under XXXX  XXXX and XXXX allowed that. Dropping my score tremendously
Consumer complaint received 2018-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NH)

For 4 years, paid my mortgage though automatic transfer from my TD BANK checking account to my mortgage that is also with TD BANK. 

My payment is deducted on the XXXX  of every month. The account had suffcient funds available. 

On XX/XX/2018 the automatic transfer was attempted, and was rejected from TD BANK to TD BANK. They simply left the account unpaid, with no attempt at notification. No phone call, no letter, then they went back to deducting payments on XX/XX/2018. 

The payment shows up in my transfer history. They reported me as having a late payment to the credit bureau by over 45 days, They admit that their system rejected the payment, that the error was on their end, and they refunded the late fee. However they refuse to correct the credit mark. 

I have made payments in excess of my required payments, more than enough to cover the payment that they claim was missed due to their error - however they refuse to correct the credit mark.