davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I REACHED OUT TO NAMED COMPANIES AND ASK THEM IF THEY COULD PROVIDE ME EVIDENCE THAT I SEEK TO OBTAIN CRDIT FROM THEM AND IT STILL WAS NOT PROVIDED
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Upon my next recertification, my understanding is that my income-based repayment plan will increase to an amount that I can not afford. When I originally established a repayment plan, it took multiple conversations and hours on the phone with Navient trying to understand my options and potential cost. It was a confusing process, and I was overwhelmed throughout. I also was unaware of the potential impact of accumulating interest and how that would impact my ability to both repay the loan and the long-term impact on my ability to own a home and provide for my family. I feel that Navient was deceptive and almost purposefully confusing during the process. Now staring down this increased payment, I find that the process is unfair, and I am feeling helpless.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (MD)

I closed my today credit card on XX/XX/year>. My payment is due the XXXX of each month. However, on Friday XX/XX/year>, I paid off the statement balance of {$1900.00}. Yesterday XX/XX/year>, I tried to log on to confirm the payment was processed but I received a message stating my account was invalid. I called customer service and I was told once my account had a {$0.00} balance I no longer have access to the account. I told the customer service representative that the billing cycle has not completed, so I still should have access at least XXXX more billing cycle to confirm the payment was processed, all interest paid, and to view the last statement. She told me that was not true. I asked to speak to a manager and was transferred to a line that no one answered. I called back a second time and I spoke with technical support. I was told only my account was undergoing maintanance and should be back up in an hour. More than 24 hours has passed, I still do not have and technical support and customer service are not assisting and unable explain why I can not access my account. I am submitting this complaint because I only receive electronic statements and without account access, I will not be able to view statements or make a payment if additional interest is due.
Consumer complaint received 2024-09-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (SC)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (WV)

Now, as I stayed before, XXXX had some discrepancies, I have asked both XXXX and XXXX for the IP addresses they both give me a big runaround but they did send one email the other day when I logged into both accounts and the IP addresses are different even though I was on cellular service on the same device. I do not have a VPN active, when contacting XXXX they told me that all of the IP addresses should be the same so I am trying to contact the bank and get a listing of all IP addresses that have been hooked into my account Could you please add this to the Huntington Bank complaint because you do not give the option of adding more information here are the numbers XXXX And XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have a few old addressees that need to be removed from my credit reports as I no longer live there and they were addresses from my time in college & senior year of high school. They all now belong to other residents and are no longer attached to me. 

The following addresses need to be removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please update as soon as possible XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (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.

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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVER opened or use the accounts listed below Im requesting the following information to be deleted from my Chex Systems XXXX report immediately. XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I am writing to formally dispute several charges on my Citi card statement dated XX/XX/year>. The charges in question are as follows : Insufficient fund charge : {$30.00} Late payment charge : {$30.00} Interest charge : {$1.00} I contacted Citi card customer service at XXXX ( XXXX ) XXXX to address these charges but did not receive a response. Therefore, I am requesting that these charges be reversed. Additionally, I would like to close my account, which ends in XXXX. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
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. (TN)

My XXXX loan was XXXX under the XXXX XXXX forgiveness plan. This was approved on XX/XX/year>. I have the documents from XXXX as proof. When XXXX had the loan is showed a XXXX balance. Somehow my paperwork was transferred to Aidvantage and they say I now have a loan balance of approximately {$XXXX}. I have called Aidvantage countless times and have uploaded online the XXXX forgiveness letter at least twice to them directly through my account link. We have had conference calls with Aidvantage, XXXX and myself on them. XXXX has advised Aidvantage  that my loan was forgiven and there are no active loans in my name on their database. XXXX has also sent the documents to Aidvantage. I have been working over a year on this issue, and I get told that a special desk at Aidvantage is working on it and to check back in a few weeks. My nonexistent loan balance keeps going up and my credit rating is being affected by this, along with my health. I do not know who or where to go with this now. Any assistance would be greatly appreciated.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in those account to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX we ( my girlfriend and I ) leased a vehicle from XXXX  XXXX  XXXX Dealership. XXXX of XXXX XXXX  XXXX  XXXX reached out to us to see if we would like to move forward with an offer where they pay off our current lease and get us into a new vehicle. We accepted and went from leasing our vehicle to purchasing the current vehicle we have with them. XXXX  paid off the existing lease. We were never late on our payments, yet on our credit report, it states that we have an early termination and showing us delinquent. This is affecting our ability to purchase a home. 

We have reached out to XXXX XXXX  and got documentation that states we have never missed a payment and were offered a special program the dealership had. I also have a document from the Finance Manager of the dealership stating the details of the offer and we were never delinquent on any payments.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OLIPHANT FINANCIAL, LLC (TX)

A new collections account with OLIPHANT USA , LLC was added to your XXXX credit report. * OLIPHANT USA , LLC and I are currently going through a legal dispute which no judgment has been made. My lawyers and I have requested for OLIPHANT USA , LLC to prove that I made business with them. I have requested contract with my signature and OLIPHANT USA , LLC has yet to send me any written agreement that I've done with them. I am not aware nor have I done business with this company.

OLIPHANT USA , LLC is a " debut buying collection '' company whom I did not authorize use of my personal information.
Consumer complaint received 2024-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I received a letter in the mail, from GULF COAST COLLECTION BUREAU dated for XX/XX/year>, requesting I make a payment or dispute the claim. 

I received my bill from XXXX on XX/XX/year> and already made a payment on XX/XX/year>. The debt was paid and my account balance is XXXX. 

When I attempted to dispute the claim by going onto the website they listed on the letter, it took me to a scam webpage. Along with that, I tried to email the company which is a fake email and would not send through. 

I attached documents with the letter sent from the company, original bill and receipt. I also attached a screenshot from the email that would not send through and my current account balance reflecting XXXX.
Consumer complaint received 2024-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valley Credit Service, Inc. (OR) (OR)

XX/XX/year> Valley Credit Sevices issued a garnishment in the effect of {$1800.00} to my employer XXXX XXXXXXXX XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX payments cleared in the forms of garnishment payments from my checks. On XX/XX/XXXX Vallwy Credit Sevices attorney XXXX XXXX XXXX filed to have an additional garnishment ( former employer ) placed to XXXX XXXX XXXX XXXX XXXX XXXX  in the amount on {$1400.00}. Filing to have a XXXX garnishment put in place foe the same debt despite already receiving payments from my current employer. 

This company also has never made contact with me regarding the debt they were seeking to collect. I had not recieved any phone calls, emails or mail regarding the debt. Please see attached as they are charging more than XXXX XXXXimes the initial debt. 

Thankfully I do not work XXXX XXXX XXXX but the fact they attempted to illegally garnishment me XXXX  times with XXXX differnt employer is at XXXX different dates for the same debt ... after having obviously recoeved XXXX payment before filing the additional garnishment.
Consumer complaint received 2024-09-18
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. (AZ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd. (TX)

**Cease and Desist Notice on XXXX XXXX XXXX*File Number : XXXX This document serves as a formal cease and desist notice regarding all media activities associated with the referenced file. 

Please be advised that all securities are held in trust and belong solely to XXXX XXXX, a sovereign individual. The company in question has acquired an unregistered security. The secured party is documented in a UCC-3 addendum, which solely identifies XXXX XXXX XXXX XXXX 

It is important to note that the vessel in question does not owe any debt, as it is recognized as a creditor in off-ledger records, which can be substantiated by a XXXX XXXX. 

Furthermore, the alleged company is engaging in identity theft to exploit this situation. XXXX XXXX XXXX has not entered into any contract with FMA Alliance and has not given consent to share personal information. 


We request immediate action to cease any further media activities related to this matter. PLEASE REFER TO THE SELLER OF THE UNREGISTERED SECURITY AND DUE YOUR DUE DILIGENCE BEFORE YOU BUY EXTINGUISHED LIABILITIES!!!!! XXXX any further continuous I will be seeking recoupment from your company thanks