davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AZ)

My federal student loans are currently being handled by FedLoan Servicing and are about to be transferred to XXXX. 

In XX/XX/2022, I made a final payment on my loans and received notice that they had been paid in full. In XX/XX/2022 I determined that I would like the final payment refunded as is my right under the CARES Act, thus I submitted a request for a full refund of my final payment in the amount of {$11000.00}. 

This refund was processed and I can now see the principal balance of {$11000.00} as expected, however there is an additional charge of {$65.00} in outstanding interest. There was no outstanding interest at the time of my final payment, and given the federal pause on assessing interest on student loans is still in effect, this charge is illegal. 

I called customer service to inquire, they looked into it and informed me the interest had been assessed prior to the pandemic. This is false. I requested all of my records from FedLoan Servicing via a FOIA request several months ago, and these records clearly indicate that there was *no outstanding interest* on my account when the pause went into effect. My account clearly indicated that there was no outstanding interest when I made the final payment. Furthermore I did receive and have a copy of my letter from Fedloan Servicing that my loans had been paid in full as of the final XXXX payment in the amount of {>= $1,000,000}.
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (GA)

What is this? I never received any communication from the collection agency, and as you can see, there isn't even an account number listed. How could they possibly have taken steps in making sure they were putting this on the right report? I want it removed immediately!
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

The account was placed on my credit report by global radius for XXXX XXXX. The amount is approximately XXXX dollars. Several disputes have been filed thru XXXX and XXXX. The debt collector states that this account is accurate and belongs to me. I've lived in XXXX and XXXX  in my life time. This account originates from Minnesota. I've resided at my current address for XXXX  years and this fact has been established on my credit report. I've placed a fraud alert on my credit and still received this on my credit and it still has not been removed forcing me to pursue other steps to rectify this situation. Hence this complaint with your agency. The credit bureaus submit my complaints but can't explain why this account is still on my report.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (PA)

Sometime in XX/XX/2022, a new American Express credit card account was opened in my name without my knowledge or authorization. The opening appeared on all three of my credit reports. 

My wife and I both assumed it had to be by a fraudulent actor, but when we contacted American Express ( more than an hour on the phone talking to more than 5 individuals ), they finally admitted that the account was opened in my name because my wife requested I be added to her EXISTING account. No one informed my wife that a new account was going to be opened. She would have refused if they had. 

Neither my wife nor I authorized a new account in my name yet it appeared on MY credit reports. American Express acted like that's the way they do it and they see no problem opening a new account without authorization from the individual whose credit report will reflect the new account. They further implied that they would not even check to see if maybe my wife and I were divorced ( we are not ). They would be happy to let an ex-spouse create a new account in the other 's name and run up charges against that person and there is nothing the person can do about it. 

I did finally get American Express to close the account on XXXX XXXX, but now the opening and closing of a new {$20000.00} credit limit appears on my reports forever. Actually, I will have to pay money to get new reports to verify that the closing actually took place. 

I thought I had frozen/locked all three of my credit reports but that's another issue I have to look into. 

I suspect American Express employees are being pressured to open lots of new accounts without telling the account holders. Same thing XXXX XXXX was doing some years ago.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MD)

Following my divorce in 2014 I had to rely more on my credit card purchases. Over the past five years I've accumulated some sizable credit card debt. Prior to my divorce I never carried a balance on any of the XXXX credit cards that I possess so managing credit card debt was a new challenge for me. With that said, I am very concerned about the amount of fees/interest that American Express has been applying to my balances. I would voluntarily allow any federal regulator to review my entire file with American Express. I'm confident that there is an enormous amount of egregious violations with my credit card statements with American Express.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My right to privacy is being violated by XXXX, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX  XXXX Bankruptcy information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer report.
Consumer complaint received 2022-06-23
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: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This account is over XXXX XXXX XXXX. BofA should of removed this account in XX/XX/XXXX per information on XXXX. I filed a dispute and now they said it would be removed in XXXX.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (OK)

I had a grant sent to me by my employer for {$1500.00}, and I didnt receive the money. Zelle reported to the company the payment was completed successfully. Everytime I called zelle they would hang up on me
Consumer complaint received 2022-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I have been repaying Navient through automatic withdrawals from my bank account for years. I recently went back to school for a professional degree in XX/XX/2021. At that time, and without notifying me, Navient automatically put my loans in deferment without my consent. I have, without my knowledge, been accruing interest from that point with a current unpaid interest of {$590.00}. Navient claims my statements show no money being withdrawn, which is true. However, the purpose of the automatic withdraw agreement that I set up years ago was to keep the loan current and paid down without having to remember to make monthly payments. Furthermore, I have never received a specific message notifying me of any automatically applied deferment.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-23
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. (NY)

I have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXX XXXX online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " XXXX XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the XXXX XXXX XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2022, Transunion the following companies that I have highlighted on the documents attached are inquiries on my credit report. 

I do not have accounts with these companies. 

I did not apply for these companies ' services. 

These companies do not have a permissible purpose to be on or view my consumer credit report. 

Please remove the highlighted companies listed on my credit report. 

Documents attached.
Consumer complaint received 2022-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (NJ)

OneMain Financial reported my payments as late to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was not late because I made a payment within 30 days. I called and spoke to someone at OneMain and they informed me that my payment was late from XXXX, but my loan was under modification from XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

RE : XX/XX/XXXXBlock Request To Whom It May Concern, I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 

ACCOUNTS : XX/XX/XXXX - {$13000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$740.00} INQUIRIES : XX/XX/XXXXPlease block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-06-23
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. (CA)

This account is over 7 years old. XXXX should of removed this account in XX/XX/XXXX per information on TransUnion. I filed a dispute and now they said it would be removed in XXXX.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Revco Management, LLC (VA)

Original Debt is from XXXX in the amount of {$15000.00}. The only time I have contacted XXXX reguard this debt is when I was not able to make any payments on this debt. 

Credit Report states as of XX/XX/XXXX : Account delinquent 180 days past due date : Unpaid balance reported as a loss by credit Guarantor. Account closed by credit grantor : Last paid XX/XX/XXXX. 

XXXX has been mailing me settlement statements for settlement in the amount of {$6800.00} in 8 payments of {$760.00} and 1 payment of XXXX. 

Now, I have started receiving letters from Revco with a threat of judgment in the amount of {$15000.00}. In addition, they have been calling my phone under multiple different phone numbers. 

I have contacted the three Credit Bureaus multiple times to dispute.
Consumer complaint received 2021-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On the XXXX of XX/XX/2021 i filed a compliant about the incorrect information reporting on my credit report also complaint id # XXXX. I also disputed the problem with Transunion and XXXX  30 days ago and have not received any results yet. by FCRA is a violation the item must be removed. XXXX XXXX XXXX collection account number XXXX
Consumer complaint received 2021-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (NC)

I called Upgrade to remove the automatic draft from my personal checking account for the loan/credit card that I have with them. I told them that they were not authorized to transact ACH payments from my XXXX XXXX XXXX XXXX account. I called the customer service line and spoke with a representative who stated that he would remove the automatic draft from my account. I spoke with the individual on XX/XX/XXXX. On XX/XX/XXXX, an ACH draft was taken out of my account in the amount of XXXX. I called the customer service line and spoke with a representative asking them to refund the amount, as I had not authorized them to draft any further payments from that account when I called in on XX/XX/XXXX. I explained that I was closing my checking account to open an account with another institution, and that I needed to have the funds replaced. The representative admitted that it was their fault that the XXXX was drafted out of the account, as I had called in enough time that the draft should not have gone through. The representative stated that he would issue a refund to my XXXX XXXX XXXX XXXX Account. I have not received a credit as of today, XX/XX/XXXX.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

1 ) XX/XX/2021, my friend wrote a check from her XXXX XXXX account to my Capital One bank account to lend me money for my apartment purchasing down-payment 2 ) Capital One bank ( Capital One 360 ) deposited the check at XX/XX/2021, but they didn't release money to me. I called customer service line many times, but no clear explanations. 

3 ) At XX/XX/2021, Capital One bank took this amount money out of my account without notice me, and then force to close this account by bank without my agreement at XX/XX/XXXX. 

4 ) I followed up many phone calls by through customer service line, none one on the service desk could answer my question " where is the money? '' 5 ) the last phone at XX/XX/2021, one of Capital One customer service person ( gave his name as XXXX ) told me that this amount money have been Hold Harmless by Capital one bank. But he didn't give me the solution on how to solve this holding
Consumer complaint received 2021-08-24
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. (CA)

I was given a forbearance by XXXX  in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time XXXX has reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called XXXX in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called XX/XX/XXXXand was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I Submitted a dispute with Experian disputing an erroneous, inaccurate and/or incomplete address which is XXXX XXXX XXXX XXXX XXXX, NM XXXX of which they responded by saying that I need to contact every CREDITOR and/or SOURCE my question is why if I am the consumer not an employee of Experian. Experian is reporting this non fcra compliance address they need to investigate and if they can not verify that this address belongs to me it must be deleted immediately. provide method of verification or delete section 611 of the fcra please provide with name and phone numbers, employee numbers that provide verification of this wrongful address.