davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent.

Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account
Consumer complaint received 2024-09-24
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. (FL)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-24
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. (MD)

I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. I've been incarcerated since XX/XX/year> and im unaware of the said accounts. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I had a balance of XXXX in my checking account it was frozen since XXXX they told me I had a fake/ fraudulent check deposit in XXXX XXXX of this year and sent back XX/XX/XXXX that is not correct my account has Ben frozen since XXXX so I could not even deposit a check or access my account they told me they sent the funds back witch was never a fraudulent check now they are saying my balance is XXXX and each customer service rep tells me a different story I was told I would be receiving a check for my checking account balance like I received for my savings but never received it
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

Prior to EdFinancial switching their data system and website, I made a payment in the amount of {$500.00} on XX/XX/XXXX. However, it wasn't reflected on my account history. They also changed the names of the loans when they transitioned. 

I emailed them and kept receiving emails stating that someone would get back to me, but never received an update. 
I made a payment on XX/XX/XXXX in the amount of {$640.00} and XXXX in the amount of {$1000.00}. They received the money, but it still wasn't reflected on the account. I sent them an email inquiring on XXXXXXXXregarding these payments and they sent an email response on XXXXstating that their records indicate both payments. 
However, they did not mention why the payments weren't reflected on my account. These payments would have paid off these loans which would then be a XXXX balance or loans removed. 
I then sent another email on XX/XX/XXXX when I realized they ported everything to a new website but still didn't reflect these payments. They responded on XX/XX/XXXX stating that they are not showing that a payment was deducted for $ Unspecified on Unspecified and to verify with my bank or bill pay service provided or send proof of payment. 
On XX/XX/XXXX, I sent them screenshots of the proof of payments in addition to the first email confirmation from specifically stating that they have record of the payments made from a " XXXX. '' They responded on XX/XX/XXXX stating that the proof of payment has been sent to the appropriate department and to allow XXXX business days for processing and they will notify me if anything else is needed. 
On XX/XX/XXXX I followed up letting them know it has been well over XXXX business days and still no update. 
On XX/XX/XXXX they emailed stating that the request has been fully processed and credits have been applied to my account. 
on XX/XX/XXXX I responded asking them to let me know where to find the credits as the loans are still present and I am still being billed for them. They should be removed and there is no indication of a credit or loan removal. I asked to provide proof. 
On XX/XX/XXXX they said my loans are not reflecting paid in full and the request for missing payments are sent to the finance department are processed in the order they are received. 
I responded on XX/XX/XXXX reiterating my frustration and sending them a summary of all of my back and forth communication for the past XXXX  years and no one can find my payments but I am still being charged. 
They responded on XX/XX/XXXX stating that my proof of payment is still being reviewed. 
After no update, I emailed on XX/XX/XXXX asking for an update. 
on XX/XX/XXXX they responded letting me know that a finance task has been submitted and there is no to turnaround time when it will be completed and allow the team more time for processing. 
It is now XXXX and still no update. I am at my wits end and just want these loan payments reflected and removed.
Consumer complaint received 2024-09-23
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. (OK)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was enticed to participate in an online rating scheme for games through a company called XXXX. They asked me to complete 3 rating activities daily, each consisting of 40 ratings, where I simply had to assign a 1-5 star rating to each game. In return, I was supposed to receive a commission. To start, I had to deposit a minimum of {$100.00}, and if a game got stuck, I was required to pay the full amount displayed on the screen to resume. For example, when I was rating the 30th game, my account balance showed {$550.00}, and when the game froze, I was forced to pay the {$550.00} to complete the remaining ratings for that day. 

Initially, I found this appealing and ended up depositing over {$1600.00} to continue the ratings. However, I soon realized it was a scam. Within 12 hours, I reported the issue to XXXX XXXX, but they informed me that since it was a digital transaction, they couldn't assist. I immediately contacted my bank to stop the transaction and filed a fraud complaint the same day. 

Unfortunately, my fraud claim was declined, and the disputed amount is now in temporary credit reversal. I've submitted another complaint regarding this fraud, but I have yet to receive any favorable response from the bank. 
Even asking for multiple time for fraud support but did not get the right responses. They only share me the guidelines to avoid fraud. 

Please help. This is my hard-earned money. 

Thank you
Consumer complaint received 2024-09-23
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Fay Servicing, LLC (NJ)

I have been working with face servicing for the past four months on loss mitigation options to avoid foreclosure.

They offered a unaffordable modification in which my term was shortened and payment was increased from XXXX to XXXX. Since this option was unaffordable and setting me up for failure, we requested a non-retention option of a Shortsale.

My account manager at Fay stated I would need to submit a letter in writing that we were declining the modification and requesting a Shortsale. We complied and sent a letter rejecting the unaffordable modification and requested a Shortsale.

Fay servicing sent us a letter, approving us to participate in the Shortsale program on multiple occasions and sent a company to our home to complete a broker price opinion to determine equity. We listed the property found a buyer provided all the documentation, including a preliminary HUD and waited for approval. 

Initially, our paperwork got mixed up with another homeowner and we were told we were approved for the Shortsale. However, the process dragged on for several months, and we got blindsided by their attorney, filing a writ for a sheriff sale in the middle of of short sale application. We were told the Investor changed their mind and would rather foreclose. Clearly this dual tracking is a continual problem with Fay Servicing as the 2nd CFPB lawsuit has been in the news.

We also have been told the loan was sold, but have never received our 404 request in writing stating who the investor is and who would get paid if we were to sell the home.

Oh for five years, I have tried to sell the home, however, due to clouded title another reason why their last sheriff sale got vacated and failed. We were unable to sell the home. Fay Servicing collects money for the 2nd lien holder and are in 2nd position. This is due to an arrow, Washington mutual our original mortgage holder made by not paying off the HELOC as as they promised they would during a refinance. I have also requested a copy of the subordination agreement from Fay servicing that we were billed for on our HUD when we refinanced, however they have failed to provide it.
Consumer complaint received 2024-09-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I entered into a lease agreement to rent a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The lease term was from XX/XX/XXXX, to XX/XX/XXXX. During my tenancy, I submitted several maintenance requests, but unfortunately, the management never addressed them. Given that I was pregnant and couldnt comfortably stay in the unit with my other children, I decided to vacate the apartment before the lease officially ended. I moved out in XXXX, and my delivery took place in the first week of XXXX. 

However, Ive been receiving messages from both XXXX XXXX XXXX and a collection agency regarding an outstanding amount. It seems that the management has added maintenance fees and other charges to the total owed ( {$4300.00} ).
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was a member of the unemployment class action for ( Bank of America ) bofa individualized request process. I submitted all the documentation they asked for. My car got repossessed bc I could not pay my car insurance due to my funds not being available. They denied my request after giving all the information provided. They didnt try to get to the bottom of it and just closed my claim and said its final. It doesnt matter if they dont feel like it was a direct cause from the funds not being available, it my insurance was {$1.00} off of payment they wouldnt except it. I think it is unfair and unjust to end it so abruptly. Its was opened XX/XX/year> and they didnt even investigate. My car lender required the remaining balance on my car after the repossession which was {$5100.00}. Bank of America thinks I owed a {$5000.00} balance and that was not the cause. It was insurance lapse which caused the $ XXXX balance
Consumer complaint received 2024-09-19
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (MI)

In the early spring, not sure of exact date, could of been XXXX. I made an online purchase with my XXXX credit card. In approxiately XXXX I recieved a bill for the purchase. I called XXXX XXXX XXXX and told them that I had never recieved the merchandise. The young woman said that I did, that it was delivered by XXXX  XXXX I disagreed and she insisted I was wrong. She then read the address. It was XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I told her that I no longer lived at that address. I sold that house in 2019. She then said, and I quote " Why don't you go knock on the door and ask them for your package " I was stunned. After recoverying I said " I would never do that in a XXXX years ". I would like to point out that I am XXXX XXXX XXXX next week. Have no idea who lives there anymore. And I do not thing I should have to track down the merchandise. I heard nothing else from XXXX and then started getting outrageous late fees. I don ; t think I should have to pay for something I did not receive.Plus they have ruined my Credit Rating. I have had a credit rating in the XXXX 's for years, it is now in the XXXX 's. Thank you for listening.
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (OH)

My information may have been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person Under The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists 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 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I had filed several complaints with US Department of education for several years prior to the recent XXXX XXXX  lawsuit. The complaints were due to the misleading information and false claims and fraudulent loan extensions. I paid XXXX XXXX and navient over {$30000.00} for which Ive not see XXXX XXXX refunded to me. They did wipe out the remaining balance but I paid all that money for nothing. Its not fair to the thousands of us in the same boat. We were put on family federal loan program and switched to commercial? Bad information the entire time. Please bring some justice to us commercially held student loans that we paid so much money for absolutely nothing.
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Olcese, PLC (IN)

Collection agency : XXXX, XXXX XXXX [ Attorney ] Weber & Olcese PLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Work ( Phone ) : XXXX State Bar ID : XXXX They failed to send a debt validation letter after verification of the debt and such were requested. They went straight to lawsuit without communication. XXXX XXXX XXXX XXXX XXXX. Multiple complaints online about their practices.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (FL)

On XX/XX/XXXX LJ Ross & Associates filed a collection account on my credit report for original creditor XXXX. 

Subsequently, my attorney wrote to them demanding validation of the debt. Rather than comply or respond, they then transferred the collection account to XXXX XXXX XXXX as a presumably sneaky workaround tactic. 

Eventually, with the help of the CFPB ( XXXX ), XXXX XXXX deleted the debt from my credit report because they could not comply with the validation letter sent from the attorney because the debt is and remains invalid. 

I just received notice today, XX/XX/XXXX, that LJ Ross & Assocaites has filed the same collection account on my credit report AGAIN. 

Please see the letter to the credit bureaus attached, demanding the deletion of this invalid record. Please also see the demand letter to XXXX XXXX, and by virtue to LJ Ross, attached. LJ Ross was sent a similar letter earlier in the process to which I am guessing they will say they did not receive since they just passed the debt along XXXX XXXX XXXX. Regardless, the validation window has long passed and this account must be removed.
Consumer complaint received 2024-09-19
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

Re : XXXX XXXX XXXX-pushed private loan Firstmark Services is continuing violations including, but not limited to under the FCRA. 

Firstmark Services Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I asked the company to cease and desist is TIME BARRED. ( Email latest communication ). The company had in the past had outright denied that the XXXX XXXX private pushed loan of which the school was directly involved was time barred ( ref payment I was mislead to make on XX/XX/XXXX ). Discharge occurred XX/XX/XXXX. Firstmark continued slyly changing status. Please reference the statute of limitations for a Florida consumer. Firstmark is believed to be a Nelnet company In XX/XX/XXXX I received delinquent reporting to my credit report ( s ) and the company reporting a collection status. 

Furthermore for the CFPB to view availability of civil relief fund for me as to XXXX XXXX matter, I have yet to receive compensation for damages suffered by me or refunds of payments made. Federal Trade Commission may also be able to assist with appears to be a XXXX Debt Collection Scheme.