davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (PA)

I applied for XXXX in XX/XX/XXXX. Only one of my 3 loans was eligible for it ( a subsidized XXXX XXXX, disbursed in XX/XX/XXXX ). My application was approved in XX/XX/XXXX, giving me a monthly payment of {$200.00} on this loan. Barely two weeks later, I got another email from Aidvantage saying that my loan terms had changed, and my monthly payment on my SAVE-eligible loan was now {$770.00}. Please find attached the pdf correspondence from Aidvantage documenting this timeline of events. 

I am a model debtor : Ive never been in default over the life of my loan. I have excellent credit. I just got engaged and am trying to save up for my wedding, and a total monthly payment of over {$900.00} would make that impossible for me. I applied for the XXXX program because it was supposed to lower my monthly payment, not increase it by over 700 %! 

If I may speculate, it appears to me as though Aidvantage deliberately shortened that loans payback time, so that I would have to pay it off quicker, thereby raising my monthly payment. Is that even legal? While its true that paying off any of my loans faster technically saves me money in the long run, I did not agree to those terms, ever. My other 2 loans are stafford unsubsidized, and according to Aidvantage, they are scheduled to be paid off in XXXX ( see pdfs labeled " stafford '' as documentation ). The loan thats the subject of complaint is currently scheduled to be paid off at the end of XXXX! 

I have the following questions : XXXX. Why did the payment due date change from XXXX, to XXXX, to back to XXXX? 
XXXX. Why did my payment jump from {$200.00} to {$770.00}? 
XXXX. How can this be remedied? 
XXXX. Finally, is it advisable to refuse to pay Aidvantage until my complaint is addressed? I do not wish to accidentally agree to a monthly payment of {$770.00} by paying my other loans. 

Im very upset. Thank you for your time.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

I was accidentally charged for a recurring membership on two separate cards. It should have been on a different card, so I called the membership and they refunded me the money on this Chase card since there's no reason to pay twice. However, it still shows up on my Chase statement, three weeks later. I called the company back and they confirmed it was refunded and it's up to Chase now. However when I dispute through Chase 's website it won't allow me to do it, I have to call. I called twice now ( which takes forever ) and the charge is STILL THERE.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Midwest Recovery Systems (VA)

Midwest Recovery placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to Midwest recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX  and XXXX. To date the debt has not been validated but still remains on my XXXX and XXXX credit report. Ive sent a second dispute letter and XXXX  was the only agency to remove the debt because it couldnt be validated. Midwest has not responded to three request to validate and XXXX  and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Subject : Capital One Follow-Up Consumer Opt-Out Dispute - Non-Compliance with Written Instructions To Opt-Out of Furnishing Data on my Consumer report for the Following Accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the lack of response from Capital One after sending opt-out letters on both XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023. 
Since then, the company has failed to meet my written instructions, and my consumer information continues to be disclosed without my consent. 
As a Federally protected consumer, I have opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to Capital One. This opt-out request aligns with my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
The ongoing disregard for my explicit opt-out directive is a clear violation of the Fair Credit Reporting Act, specifically 15 U.S.C 1681, 15 U.S. Code 6801, and 15 U.S. Code 6802. These violations compromise not only my privacy but also my ability to control the disclosure of my personal information. 
I am now submitting a formal dispute with the following requests : **Immediate Removal of All Furnished Accounts : ** I request that Capital One takes immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 
**Compensatory Damages : ** In the event that Capital One willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out requests, I reserve the right to seek compensatory damages. I request that Capital One pays a minimum of {$1000.00} for every offense of willful non-compliance. 
The requested remedies are necessary to rectify the harm caused by the ongoing disclosure of my personal information without my consent. I appreciate your swift attention to this matter and request confirmation of the receipt of this dispute. 
I trust that the Consumer Financial Protection Bureau will investigate this situation promptly and take appropriate action to ensure Capital One complies with federal regulations. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp. (CO)

They closed my checking account for no reason. 
I asked them via email how to settle my balance! 
I suggested that they could settle my balance by ACH transfer or wire transfer! 
They replied by email that they could only send a check to settle my account balance! 
I asked them who would bear the loss if the check you sent was lost or I did not receive the check they sent. 
They didn't respond to my questions! 
Now I have not received the balance they should have settled for me, they closed my account and emptied my balance!
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (FL)

NCA is reporting fraudulent inaccurate information on my credit report. Ive requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me. Also NCA collection company isnt authorized or have a license to conduct business in the state of Florida.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2020-04-17
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX   {$4800.00} Opened XX/XX/2014 I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

In the past few months I have received more than 10 Alerts thru my XXXX XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( XXXX, Experian and XXXX  ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card CompanyXXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (AK)

My mortgage company did not pay my homeowners insurance until it was late and I called them, then I find out I owe property taxes they have not paid with interest and penalties this mortgage company is a scam I have XXXX in escrow plenty to make all payments needed,
Consumer complaint received 2019-03-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (AZ)

This has been going on for more than XXXX years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for XXXX years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX Complaint against TransUnion : On XXXX one of my medical providers informed me that my personal information had been compromised in a cyber breach of the company system. The company advised me to sign up for credit monitoring services via XXXX and XXXX, a TransUnion company. Also I was advised to place a Fraud Alert on my credit files. On XXXX I established accounts with XXXX XXXX and TransUnion. 

When I tried to post a fraud alert with TransUnion on XXXX, at XXXX pm and XXXX XXXX  I was told : " We're unable to process your request at this time. Our system is experiencing technical difficulties. '' I tried again on XXXX, at XXXX XXXX and XXXX XXXX to post a Fraud Alert, but again received the same messages about " technical difficulties ''. Finally, on XXXX I tried to enter a Credit Freeze on the TransUnion site. Again, I was prevented from making any entries at the TransUnion site. This time the message stated : " Sorry, we're having trouble showing the status of your credit freeze right now. '' On XXXX I wrote a letter to TransUnion requesting a Fraud Alert and a copy of my credit report.
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX, We ( spouse ) purchased a vehicle from XXXX XXXX XXXX in XXXX, OH. It was financed through XXXX XXXX XXXX.I paid my loan relatively consistently until early XXXX. During the loan the vehicle was serviced numerous times, although it was under warranty in the beginning, it came to a point that the warranty expired and all repairs were out of pocket. The last time the car stopped on a busy XXXX highway. I had it towed home and could not afford to have it repaired again. It was just in the shop for repairs only 2 months prior to this incident. I called XXXX   and told them to come pickthe car up. I spoke with numerous people XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX just to name a few ... They kept trying to get me to pay even after I told them that I could not afford to continue to pay. they really put on the pressure. After a couple of months pass, I call them again to come pick it up, which they did with no problem. I received a letter shortly after telling me that they have possesson of the vehicle and the date that they would be selling the car in an auction in OH. That date for the sale was XX/XX/XXXX. I received another letter : EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY dated XX/XX/XXXX. It said the car was sold for {$7000.00}, there were costs that totaled {$810.00}. They intentionally left off a credit for GAP insurance. I ( we ) have been checking my credit report since XX/XX/XXXX to see when the amount that I owe XXXX is corrected. It is currently reporting that I ( we ) owe {$16000.00}. I have written XXXX, Experian, XXXX  & XXXX to dispute the amount owed. XXXX is reporting inaccurate information on a credit report, which is against FCRA. On XX/XX/XXXX, I ( we ) spoke with XXXX at XXXX EST at XXXX and questioned her about the incorrect information and the reason we were not credited for GAP insurance, she stated that my account had not been assigned to anyone yet and they could possibly be waiting on an insurance payment. I informed her that they were reporting inaccurate information and she could only say that it has not been assigned to anyone. I asked how long does it take to be assigned to someone and she said she did not know. She also told me that as of today XX/XX/XXXX my balance is now {$9600.00} because of per diem charges. I don't understand how you can charge per diem when you can not give me an accurate amount of what I owe, if you did not credit my account something that should have been credited? I asked if I could enter into an agreement to make lower payments on what I owe and she told me that I could always send in payments, but they can not say the bill has been satisfied until they get a XXXX balance. If I am correct, I ( we ) should have received a notice with the letter dated XXXX, XXXX cancelling the original contract. There has been ample time to correct this with the 3 major credit bureaus.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute any and all transaction on my account that XXXX has reported with XXXX, XXXX and transunion, whom are all non affiliates with XXXX XXXX, in the terms and conditions provided by XXXX XXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates. 
15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help