davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

Aidvantage says I started repayment in XXXX. 

This is not correct for my direct loans. Here 's one example of the XXXX I have. 

NEXT PAYMENT DUE DATE XX/XX/XXXX Lower my payment LAST PAYMENT MADE ON XX/XX/XXXX ENTERED REPAYMENT XX/XX/XXXX REPAYMENT PLAN Income-Based Repayment Plan ( IBR ) Explore different repayment options IDR ANNIVERSARY DATE XX/XX/XXXX Aidvantage has said they are reviewing this information and sending it for appeal. I understand they were fed the erroneous information by the XXXX XXXX XXXX. What I seek is full credit for my payment history.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/year>, today, I visited the TD Bank branch located at XXXX XXXX XXXX, XXXX, FL XXXX. Upon arrival, I was greeted by a teller who inquired about how she could assist me. I informed her that I needed to change the payment method for a loan I have with TD Banka process that, according to bank policy, must be completed in person at a branch. She directed me to another area of the bank where two other employees were assisting customers. 

I took a seat and waited for my turn. When it appeared to be my turn, one of the two employees, who identified himself as the manager, invited a woman who had arrived after me to receive assistance. This individual was also a walk-in customer like myself. I questioned why I was being passed over despite arriving first. The manager responded by stating that he assists only commercial clients without inquiring whether I was a commercial client. 

I attempted to explain that my issue pertained to one of my commercial accounts. Additionally, I observed that he had previously discussed personal FHA mortgages with customers, suggesting he was assisting with personal banking matters as well. Despite this, he did not offer to help me. 

Following this incident, I contacted TD Bank 's customer service line to report the issue. After approximately five minutes on the call, the representative suddenly claimed they could no longer hear me. 

The manager 's name was displayed at the entrance, and I confirmed that the individual who refused to assist me was named XXXX XXXX. Due to the inadequate service and what I perceive as discriminatory treatment, possibly based on my XXXX heritage, I am requesting that my account be closed and a check for the remaining balance be mailed to my home address. 

Additionally, I need to be contacted to arrange the change of my loan payment method, as the account currently used for payments was closed today. I am concerned that late payments may occur, and I do not wish for my credit to be negatively impacted due to the bank 's procedural difficulties.
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/year> I submitted and Income Driven Repayment ( IDR ) Plan Application asking to be enrolled in the Savings on a Valuable Education ( SAVE ) Plan. 

On XX/XX/year>, Aidvantage asked me for proof of income. On XX/XX/year>, I provided proof of income. 

No response was give until XXXX XXXX XXXX  when I was told I would have to pay more per month than my monthly income for the prior fiscal year, much more than the 10 % of my discretionary income per the IDR plans offered. 

On XX/XX/year>, I received correspondence from XXXX at Aidvantage who stated that I would be sent my IDR application that I submitted on XX/XX/year> within 7 to 10 business days. 

It has been 13 business days since that correspondence, and Aidvantage still has yet to provide me with my IDR Application. 

I need that application to seek declaratory relief in a court of law. Please have them send it to me ASAP as time is of the essence. This correspondence should also serve as a formal litigation hold preventing Aidvantage from destroying any records related to this potential claim. 

Best regards, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance w
ith Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My PENNYMAC LOAN Loan - XXXX. I an having a problem with paying this account. I sent in a partial payment for my XXXX monthly payment. Instead of them using it on my monthly payment the applied it to my princple. It is against the law to change someones payment. 
Penny Mac stated I can not make any partial payments. I have to pay in full or not pay at all. This was not a late payment. My account is two months ahead.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica (VA)

I manage my daughter 's XXXX payments. These are sent to her via Direct Express. I received an email saying her balance was {$0.00} and she had a negative balance. I looked into the account and saw Direct Express has deducted {$700.00} to itself. I called the company and they say the transaction but said they didn't know how it happened or why. I was sent to disputes to dispute the transaction. The phone and email info they have is not mine and not matching what is in the online account. I was then sent to their fraud dept to verify my identity and was told I would hear back from them in 3-5 hours. Over 24 hours later I still have not heard back from them. Upon contacting them back I was basically told they can't tell me when I will hear back from them or when the issue will be resolved. I have sat on hold and on the phone with them over 3 hours in the last XXXX hours, done everything I've been instructed to do and still no idea of when there will be a resolution. They've taken {$700.00} from my XXXX child with no idea of when this will be resolved and basically received the attitude of it is what it is.
Consumer complaint received 2024-10-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I received a text message in late XXXX stating that I had purchased an item from Wayfair. I tried to dispute this charge as fraud. A claim was opened, and the fraud department interviewed me a month later. They claimed it was a valid purchase. They can not give information as to where this item was delivered or what was purchased.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (KS)

I have an older account that has been paid and closed and always paid on time but irecently noticed in pulling my credit that they are reporting XXXX late payment. I asked for it to be remvoed and show me where i was late but never heard back from them or the credit bureaus. Please help me in getting this removed since it should have shown as never late. Thanks
Consumer complaint received 2024-10-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (VA)

I opened a XXXX account with XXXX, a subsidiary or Webster Bank, 11 months ago. I transferred funds from my normal bank ( XXXX XXXX ) to this bank. Now I would like to transfer some of the funds back and XXXX is not allowing me to access the funds. I submitted an external funds transfer request via the website on XX/XX/XXXX and completed the relevant security checks to do so. I was initially told that the transfer was processed, but then immediately received an email that my account had been placed on hold. This was verified when I logged into my account- it said my account was on hold and gave a number to call. To date I have called this number 5 times. When I call I give them all my identifying info ( name, account number, SSN, address, phone number, and security word that I created ). This info has been verified as correct each time. Then they proceed to ask me five questions. They say they can only repeat each question once and I can not ask for any clarification. Questions have included in what state were you registered for your SSN ( which I do not know since my parents would have done it when I was an infant ) or in which county does your address fall ( which is possibly a trick question since my address is in a city which is within a county ). Each time after I answer the questions I am told that I have given at least one incorrect answer, but they can not tell me which one and therefore can not remove the hold on my account to release my funds. In most cases, I am sure the answers I have given are correct, but I can not verify or dispute them. I have asked to speak to a supervisor and been denied, I have also asked to verify my identity in a different way ( such as sending copies of ID or video face recognition ) and this has also been denied. I am told my only available option is to wait for 24 hours and call and try again. My first call was on XX/XX/XXXX and my most recent call was today, XX/XX/XXXX. At this point I am very concerned that I will not be able to access my funds at all. I can see that this bank has hundreds of negative reviews of customers with the same experience, so I decided to file a formal complaint.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My report is not accurate and incomplete. Payments show delinquent for XX/XX/year> and XXXX of 2024 Account # XXXX XXXX XXXX Bank according to the fair credit reporting act whenever a consumer reporting Agency prepares a consumer reporting it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 15USC 1681 ( c ) ( b ) and according 15USC 1681 I5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general after reinvestigation under paragraph ( XXXX ) of any information diputed. 
Please also see attached invoice provided by XXXX XXXX wich shows the inaccuracies on reports.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TARGET/TD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX TARGET/TD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I have submitted a dispute because I purchase a resort stay on my card. I was not able to take the trip due to Hurricane Beryl. The resort refused to issue a refund. 

I sent over the XXXX XXXX advising state of emergency and my cancelled flights. 

Citi bank closed the dispute in favor of the merchant. I never received my service and it was a state of emergency. 

I have been going through this since XXXX it is now XXXX. I have spoken to multiple supervisors that have also sent requests in to reopen the dispute and I have not heard anything. Some agent are rude and told me oh well. Its expensive to conduct investigation so they are not interested in reopening the case. It is not fair that I though I was protected in the event I was charged for something I had no control over. It was a natural disaster for goodness sake. 

The fact they brushed me off and didn't even look at the supporting document I have submitted. 

I will not be working with them after this is rectified.. The stress this has caused.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit report, I noticed the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this issue.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (TX)

Subject : Request for Removal of Information from Credit Reports Account Number : N/A Dear WORLD FINANCE, I am writing to formally request the removal of my information from all credit reporting agencies in accordance with 15 U.S.C. 6801 and 15 U.S.C. 6802, which pertain to the protection of nonpublic personal information and its unauthorized dissemination.

Under 15 U.S.C. 6801, financial institutions such as WORLD FINANCE are obligated to safeguard the privacy of nonpublic personal information and to implement measures to protect such data. Furthermore, 15 U.S.C. 6802 requires financial institutions to provide customers with the ability to opt out of the sharing of their nonpublic personal information with non-affiliated third parties, such as credit reporting agencies.

I have not given my express consent for the sharing of my nonpublic personal information with credit reporting agencies, nor do I wish for this information to continue being shared. As such, I am exercising my right to opt out of any further information sharing under the provisions of 15 U.S.C. 6802. 

Please take the following actions immediately : Remove all instances of my personal and financial information from any and all credit reporting agencies to which you may have provided my data.

Cease any future sharing of my nonpublic personal information with credit reporting agencies or any other third-party entities without my express consent.

I expect confirmation that my request has been processed within 30 days of receipt of this letter. Failure to comply may result in further action, including filing a formal complaint with the Federal Trade Commission and/or pursuing legal remedies under the XXXX XXXX. 

Please send written confirmation of the removal of my information to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX XXXX : {$3300.00}
Consumer complaint received 2024-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (NY)

XXXX Print complaint Closed Submitted Status Submitted to the CFPB on XX/XX/year> Product Student loan Issue Struggling to repay your loan We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 


YOUR COMPLAINT They still have not told me why I have waited 10 months to get my XXXX XXXX loans squared away. It was approved in XXXX. She did not offer an explanation for why it is taking so long. I just want this to be over with. They are dragging their feet and dancing around the issue Herr. Thanks, XXXX I have been approved for a discharge for the college at XXXX XXXX in XXXX. Nothing has happened since. Also, another college I went to, XXXX XXXX had closed. They keep saying I withdrew and was not on a leave of absence. They are lying. I kept them up to date on everything after having XXXX  on both of my bicep tendons. I have sent them proof from the surgeon saying I could not lift. I was in the veterinary technician program and could not deal with animals. I need help with this. I have sent them many other documents. The fact is that they withdrew without my knowledge. I would have never agreed to that. They are being very untruthful. Thanks, XXXX
Consumer complaint received 2024-10-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United PanAm Financial Corp. (PA)

My mom called United Auto Credit for me because I noticed they were still reporting as missed payments. The first guy we talked to, XXXX, gave my mom information about the debt without me authorizing him to talk to her. She then got transferred to XXXX who gave her information also without my authorizing her to talk to her. The conversation went on for about XXXX minutes until XXXX said that she doesnt even have the right to talk to her because I never authorized it. In that time, XXXX said that she can have her speak to a supervisor but once the tables turned there was no one to speak to. She was put on hold and eventually hung up on after being called rude and other stuff by XXXX. The third go around we were helped by XXXX who got us to XXXX. He was less than helpful with the whole situation too and said he was getting us XXXX. XXXX didnt even pick up the phone. ( XXXX ) XXXX
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (KY)

As a victim of identity theft I have frozen the credit reports for myself and my wife several years ago. I was excited that I can now do the same for my minor child as part of the new law. This Minor Freeze should be free. 
With some difficulty I have now accomplished this with XXXX  and XXXX. However, I have not had any success with Equifax. They have the wrong information on their web site, which has been linked to in countless publications at : https : //assets.equifax.comXXXX   This link says to mail the paperwork to XXXX XXXX XXXX XXXX, GA. When I did this on XX/XX/2018 they rejected my request. They sent a nonsensical letter dated XX/XX/2018 that said I needed to send all the information I had already sent along with a fee. They also suggested I send to a different XXXX XXXX ( XXXX ) also in XXXX. I have called them several times in XXXX and XXXX, most recently, XX/XX/2018. Each time they tell me this address is wrong, and give me various other addresses to use, most recently XXXX XXXX XXXX in XXXX. They also tell me the proofs listed on the same form online are also wrong or incomplete. 
I believe they are making no effort to comply with this very important federal law because they have not even bothered to change the link to the PDF on their web site for this important process ( https : //help.equifax.comXXXX ). It has been two months and they have not bothered to fix this data on their site. They have also promised to call me back from a manager and have not done so. 
I am certain others have encountered the same difficulty I have. If they won't respond to me perhaps they will respond to your regulatory agency. Please help, I do not feel confident mailing our personal documents again to this company when they can not even get this basic information straight.