davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (VA)

I have federal consolidated Stafford student loans managed through myfedloan.org. I am pursuing Public Service Loan Forgiveness ( PSLF ), and according to myfedloan.org, I have completed 104 qualifying payments ( out of 120 required for PSLF ). I have another 5 eligible payments that will qualify once I submit employer certification. 

According to myfedloan.org, I also have 8 payments that are currently considered PSLF-ineligible, but " Payment Is Pending Manual Review. '' These are payments made to a different federal student loan servicer in XXXX. I have inquired into this issue repeatedly via myfedloan.org customer service, and thusfar they have not completed the manual review after 6+ months.

Depending on the status of the payments under manual review, I could qualify for PSLF in XX/XX/2021. I ask that myfedloan.org complete their adjudication prior to that date so that I don't make additional, unnecessary payments on my student loans.
Consumer complaint received 2023-10-10
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: DISCOVER BANK (CA)

An Unauthorized Inquiry was reported to my XXXX XXXX on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

I recently reviewed a copy of my credit report. I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (AZ)

During the month of XXXX, I made a promotional purchase ( no interest if paid in 12 months, requiring minimum monthly payments ) in the amount of {$1300.00} ( split into 4 parts, XXXX, XXXX, XXXX, XXXX ) and a non-promotional purchase of {$230.00}, totaling XXXX. On XX/XX/2018 the statement from XXXX Synchrony Credit account indicated I had a previous balance of XXXX, and that I made a payment of XXXX effectively bringing that balance to {$0.00}. The statement reflected the new balance of XXXX. On my due date of XX/XX/XXXX, I made a payment of XXXX. Per the payment allocation option that I opted in to, it should have been applied to my non-promotional balance first. On the XX/XX/XXXX statement, it reflected my payment of {$230.00} and an additional credit of {$11.00} that I applied from my rewards point bank. On that statement I was charged a {$1.00} minimum interest fee ( an agent mentioned it was {$0.00} in actuality ). Additionally, I made a purchase of {$53.00}. On my due date, I paid the difference between my non-promotional balance and my statement balance of {$43.00}, including the {$1.00} interest charge. On my XX/XX/XXXX statement, it reflected yet another interest payment in addition to my new charges. When I called to investigate why I was being charged interest, despite that I was in fact paying my entire non-promotional balance every statement and I had opted for it to be applied as such, I was informed that they don't actually allocate the entire payment, citing that federal regulation z makes very specific rules on how the payment must be applied. However, the account manager ( XXXX, I believe ) said that, " The only way that I have ever seen it successfully done, is if you call us on the same day and ask for a 'same day allocation. ' '' It sounds extremely strange to me that they can't honor their automatic payment allocation options because the federal prohibits them from doing so, unless you ask, then they are happy to break the law for you.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (MD)

I currently have a mortgage with Loancare. In the past I have had many issues with their online system and payments being taken out in a timely fashion. I would submit a payment and it would take their system sometimes more that 5 days to take the money out of my bank account. On one occasion I was charged an overdraft fee because they said I did not have enough money in my account to pay the loan. I had more than enough money to pay it so this was an error on their part of their system. 

Recently I applied for a new loan through XXXX XXXX. I wasn't able to get one because I had too many late payments from Loancare on my record. I was also told by the loan officer at XXXX XXXX that she sees this all the time with Loancare.People apply for a new mortgage  and are denied because they have reported late payments on their credit report. I believe this is happening because of their faulty system. I went ahead and contacted the company to try and have Loncare fix this. They refused and said what is reflected on my credit report is correct. I believe that because of their faulty system it is their fault that I have these incorrect reports on my credit report. I would like them to update my late payments. I believe they are incorrectly reporting payments dates to the credit bureau. I have a mortgage through XXXX XXXX for over 7 years and have never made 1 late payment.
Consumer complaint received 2023-10-02
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. (AL)

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.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if any and all derogatory information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
Consumer complaint received 2024-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (IL)

Account XXXX This was a Consolidated loan transferred from XXXX on or about XXXX The payment due is XXXX The first payment was due XX/XX/year> which was paid on time. The XXXX payment is due XX/XX/year> which is pending. On or about XXXX a Past Due entry was put into the account showing 6 months of past due payments, totaling approximately {$3100.00} ( XXXX payment of {$520.00} ) was entered without any documentation or details showing past due as of XX/XX/year>. 
I Called on XX/XX/year> and spoke to a representative, XXXX, questioning the past due.She was unable to explain or justify the entry. 
She promised to put the past due in forbearance and have the item researched. 
However, on XX/XX/year> a 2nd delinquency notice was posted to the account requesting payment of {$310000.00} and indicating that the amount was more than 30 days past due. 

My account is up to date and there is no past due amount. My account with AidAdvantage has not been with this services for 6 months. All the statements provided by AidAdvantage shows no past due amount. 
I fear that AidAdvantage may report a past due amount to the Credit Bureaus which will damage my credit ratings and interfere with a Mortgage Applications. 
I am demanding that my account be placed as current.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (OK)

previously disputed account late payments reporting XX/XX/XXXX & XX/XX/XXXX in violation of heros act which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well.

Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent.

Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law.

The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic.

XXXX XXXX XXXX The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.
Consumer complaint received 2024-10-18
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. (FL)

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-10-10
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)

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the account completely from my credit reports. XXXX XXXX XXXX
Consumer complaint received 2018-06-15
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. (NC)

My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. XXXX I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.
Consumer complaint received 2018-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

XXXX XXXX XXXXXXXX sent a settlement letter they'd accept XXXX of the XXXX by XX/XX/2018. I did not call them until XX/XX/2018 and asked about a similar settlement. After back and forth debate they said that they could offer me a XXXX settlement. I agreed if they'd send me a fax saying it was paid in full. They told me that they couldn't fax because it was against my privacy rights but they would send a letter to my address on file. I agreed. They asked for my bank account and routing number I tried to insist on using my debit card they said no has to be bank account and routing number. I gave them this information. THIS ACCOUNT WAS NOT ON MY CREDIT REPORT. I paid, 2 days later here is this collection on my credit report for the total amount of XXXX. I call them on the phone asking why if I paid them would they then put this on my report. They tell me its against the law for them to not disclose it to all 3 credit bureaus. While on this phone call they tell me I still owe XXXX acting as if we did not settle even tho I have a settlement number. They are now saying they will report to the credit bureau that it was " settled in full '' not " paid in full '' like they said they would and made me aware of the fact that it will say on my credit report that I still owe XXXX because it was not paid in full when they NEVER mentioned this on the phone. I demanded to be sent the audio they told me they were recording and they said they don't have audio for that purpose. Im extremely upset.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

I submitted my application to the SAVE plan in early XXXX, I would guess the first week of the month. Unfortunately I can not provide an exact date because the Nelnet website is currently down as I write this, as it has been several times when I have tried to check the status of my student loans and my repayment application. 

When I initially submitted my application to the SAVE plan, there was a note on my account that Nelnet had received my application and that I should provide them 14-21 days to process the application. After a few weeks I noticed that that message disappeared, and now it only displayed the message about when they received my application for the SAVE plan. 

It has been almost a month since I submitted my application with no communication from Nelnet about the status of this application, besides the fact that they received it. Meanwhile, they have been doing a fantastic job of tracking the interest accrued on my loans without providing me information about how much my monthly payment will be, and that is not even beginning to address the fact that half the time I try to log-in to their website it is down. 

Frankly, I am not sure how this is legal and it is unacceptable that Nelnet has known for months now that student loans would be resuming in XXXX with payments due in XXXX. It has been enough work for me to prepare financially for payments to resume, and it seems as if Nelnet has not done the work or prepared to service loans. I believe that they should be held responsible as a LOAN SERVICER for not even managing the minimum responsibility of maintaining a working website.

This has put an incredible amount of stress on me and my wife and has made financial planning difficult. My wife also has loans with Nelnet after being moved from Great Lakes, and she has also been unable to speak with anyone at Nelnet over the phone due to wait times of over 2 hours on the phone. Nelnet needs to be accountable to borrowers for the loans that they are servicing. There is an extreme lack of accountability on their part for not maintaining a working website where borrowers can access their loan information and for not having enough customer representatives on staff so that borrowers are not spending hours of their day waiting on hold to ask simple questions.
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I have repeatedly contacted capital one to have a new debit card mailed to me and It wont allow me to transfer funds that of been sitting in my account for over a month every time I call they send me to an answering machine Ive left at least 25 messages no one has called me back I cant access my Social Security XXXX and I now can not pay my landlord rent. I can not withdraw funds purchase funds view my statements and I try to pay my bill online using this app XXXX.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-02
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. (TX)

XXXX Account Ending in XXXX XXXX  XXXX Account Ending in XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account Ending in XXXX XXXX XXXX Account Ending in XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Under the Fair Credit Reporting Act conversion Account numbers has violated my rights. 

Per 15 USC 1681 SECTION 602 A, it states that I as a consumer have the right to privacy when it comes to my credit report. These Account numbers are violating my rights to privacy.

Per USC 1681 SECTION 604 A section 2, also states that I have the right to not have my information published with my consent or my written instructions, and I as a consumer have not given any credit report that right to published my information by oral or written consent.
Consumer complaint received 2023-10-02
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. (PA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.