davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

Aidvantage is taking advantage of customers trying to pay back student loans. They are calculating the income-based repayment options incorrectly and forcing customers to pay twice as much. Typically my loan payment was around {$260.00} to {$280.00}. Even though I have filled out and continually renewed the IDR they initially made me pay {$630.00} for the first payment. I went on the Federal Student Loan service to renew again, even though I didn't need to, and it calculated my payment to be around {$330.00} to {$170.00} per month. However, after Aidvantage got the new renewal paperwork they sent me a pdf saying I would need to make 8 payments at {$570.00}, followed by a list of several other random numbers of payments at variable amounts after that. Obviously, that is not calculated off of the 10 % IBR as the Federal Student Loan site. I called them and was on hold for an hour before I finally got through. The customer service representative said they couldn't do anything something must be wrong with their algorithms for calculating the payments. They also said that lots of people were having this problem and they would have 'a person look into it. ' Now their chat customer service isn't working either saying the current volume is too heavy. Additionally, they will not list how much my payments should be they only do so moments before actual payment so that if they are wrong like they are, you do not have any time to do anything about it as they say it takes three weeks to 45 days to process any new paperwork. This is ridiculous they should not be handling money.
Consumer complaint received 2023-11-02
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. (NJ)

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  ( The following personal information is incorrect. The personal data reporting is inaccurate. )
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

i attempted to make a purchase at XXXX XXXX  store and credit card for the store would not process the purchase. Tried twice by inserting my social security number and the system indicated DENIED. The store clerk recommended contacting the bank ( XXXX XXXX XXXX  ). I contacted the bank and they requested that I reapply for the credit card. I decided not to and applied for a credit card at my Credit UNION. That is when I found out I had a {$6000.00} overdue bill delinquent, which affected my credit score ( experian ). The bank has reduced our balance to XXXX  balance but our Credit Score has not been adjusted as far as I know. It appears a crime has been committed and although we may be able to resolve the issue as far as our credit score but someone should be charged with the crime and make restitution to us and the citizens of XXXX XXXX XXXX.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

The Bank of America hasn't been able to properly investigate the fraud transaction in my checking account. The amount of {$5300.00} has been electronically and unauthorizedly transferred to the XXXX XXXX bill payment service to the unknown party ( a suspect responsible in transferring fund ). 

Bank of America didn't notify or alert me when the transfer happened because the amount was too large compared to my regular transactions. The associate that I spoke with the very next day didn't handle the situation correctly as I figured lately that he could have triggered the 'stop payment ' feature when I confirmed that I didn't authorize it. 

It was already too late after the payment was proceeded and paid to handle the situation correctly. 

I have attached the copy of my login history, where it clearly shows the login device was traced to XXXX, Texas when the payment was proceeded. As I have been here in Virginia the whole time. You can also see that I have been logged into XXXX, Virginia the other times. 

Bank of America is aware that I have been robbed but they wouldn't want to pay much attention because they think they have to pay from their pocket.
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

They keep going after me i tried disputing this debt and is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio FROM PORTFOLIO RECOVERY ASSOCIATES LLC IS NOT MY ACCOUNT I ASKED THEM TO DISPUITE IT A YEAR AGO THEY IGNORE ME I ASKED THEM TO SHOW ME MY SIGNATURE THEY DIDNT REPLY
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (NY)

My Name is XXXX XXXX XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX, has violated my rights .15 U.S.C 1681 section 602. A States I have The right to privacy. 15 U.S.C 1681 SECTION 602 A. States a consumer reporting aenc can not famish an account with out my written instructions. These Items I am Disputing is from the XXXX XXXX XXXX Website who no loner service my Account information, My XXXX negative Items from Experian Should be Removed because some on else Called XXXX XXXX XXXX Handel 's my loan Information and they never placed A negative Report on my Credit File.I did not Authorize nor Did I Give Them the Authority To Report this. Also my Reports are over the limit to stay on file because its been 8 years since the filing. Now if This situation does not Resolve in my Favor I will take every one to court. The Consumer Financial already helped me remove These negative fed loan Items off of XXXX XXXX XXXX I don't understand why Experian keep Getting away with this when I Have proven The evidence Before.
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

Consumer Financial Protection Bureau Subject : Complaint Regarding Unauthorized Garnishment by LVNV and Request for Refund Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding an unauthorized garnishment related to an account with LVNV ( account number XXXX ) that appeared on my credit report. 
After disputing the account, it was removed from my credit report. However, despite the account being deleted, LVNV garnished {$1600.00} directly from my paycheck. 
This garnishment appears to be in violation of the Fair Credit Reporting Act ( FCRA ), as the account in question was already removed from my credit report. I am requesting the CFPB to intervene in this matter and assist in securing a full refund of the garnished amount. 
I would also like to request a thorough investigation into this garnishment and the practices followed by LVNV in this case. I believe this garnishment was improper, and I seek your assistance in ensuring that LVNV complies with all applicable laws and regulations.

Please keep me informed of the progress of this complaint and provide any updates or documentation that may clarify the situation. I trust that the CFPB will ensure that appropriate actions are taken to resolve this matter fairly. 
Thank you for your attention and assistance in this urgent matter. 
Sincerely, XXXX XXXX Date of Birth XXXX XXXX  SS # : XXXX Page XXXX of XXXX Date Issued :
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

The bitcoin scam through XXXX and cash app telling people that they will give money Im exchange for XXXX do when we purchase it afterwards they block you and hack your page compromising your passwords and keeping you from signing in or having any access to your XXXX account
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (VA)

I was with Navient student loan servicer for XXXX until XXXX when they were sued by governement. They moved me over to XXXX servicer. I have not received my debt relief from the lawsuit. My current payment is XXXX a month, and I can not afford to pay that. How do I find out how to get the debt relief from the lawsuit against Navient. I spoke with XXXX XXXX. gov and they gave me the CFPB number to file complaint.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-10-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I checked my account with XXXX XXXX, XXXX, XXXX, XXXX and found debt collections from these companies. 

1. ) Credence Resource Management ( XXXX ) in the amount of {$960.00}. 
2, ) XXXX XXXX in the amount of {$130.00}. 
3. ) XXXX XXXX in the amount of {$560.00}. 
4. ) XXXX XXXX XXXX in the amount of {$590.00}.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

According to 18 USC 894- Collection of extensions of credit by extortionate means, to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years., or both.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 2023-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NC)

I am writing to file a formal complaint against SYNCBXXXX regarding a collections account ( Account Number XXXX ) that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Block, Inc. (NY)

recieved an email with the following text " XXXX sent you an invoice for {$780.00} Overdue since XX/XX/2023 We are happy to report that your order has been received and is being processed. The amount has been debited from your source account, If you got any queries regarding your purchase please inform our customer executives at the given number '' from XXXX XXXX on XX/XX/XXXX. It also provided a phone number XXXX ( XXXX ) XXXX and this is the link to the webpage of the email : XXXX XXXX XXXX I do not have any business with this company so it is definitely not a real issue.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not authorized these hard inquiries, they are fraudulent, and affect my credit score negatively. 
These are the fraudulent hard inquiries : 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 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 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 XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (NM)

Father has same name ( not to include XXXX ) He passed away 2 years ago. His debts and identity are on my credit reports and I can't verify my identity as some agencies have my fathers identity on mine.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

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. 

XXXX Account XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Please Remove and block these fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act.

I am requesting that these fraudulent accounts be DELETED and blocked from my Credit File Under federal law.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX at XXXXXXXX XXXX I went to the XXXX XXXX Wells Fargo Bank in XXXX XXXX, CA. I had {$5000.00} cash to deposit to my business account. There was a long line and only one teller, so I was directed to use their ATM there on the floor. I put in the entire {$5000.00} in bills, but the ATM stated to me that I had deposited too many bills and was returning them to me. I waited ; instead I received a receipt for {$1800.00}, a receipt for {$400.00}, and one crunched up {$100.00} bill. No more money was returned. I immediately called a bank manager over to complain why the remainder of my money was not returned. He only said he would file a claim. He handed me his card with the claim number on it and that was all he did. I I left w/o the remainder of my cash deposit which is {$2700.00}. Within 12 hours I reviewed my account on line and verified that the only deposits credited to my account were {$1800.00}, {$400.00} and {$100.00}. I received a temporary credit 2 weeks later for the {$2700.00} and then received a letter on XX/XX/XXXXXXXX  stating that the {$1800.00} deposit was correct and is all I would receive. There was no reference to the {$400.00} deposit or the {$100.00} bill which was returned to me. No one from WF claims ever contacted me for a statement or did any investigative effort. WF has kept my {$2700.00} with no accounting whatsoever. I have banked with WF since XXXX and run 7 accounts through this bank. I am angry that they kept my money, gave me absolutely no accounting and no communication
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

i have a account XXXX XXXX. I am a truck driver, i drove for XXXX XXXX XXXX this early year. XXXX XXXX XXXX gave me a check {$3800.00}, but it had not enough money, so the check returned. but XXXX XXXX XXXX gave me another check as same amount, i deposited it. and the XXXX XXXX XXXX was deducted the XXXX money. 
but the chase ask me for the XXXX XXXX XXXX phone number, then they can gave me the money. 
XXXX XXXX XXXX gave me a phone number, i told the chase, but chase said it is not the number they have in their system. 
so chase frozen my account, i have no idea, why ask XXXX XXXX XXXX phone number, i just work for them. how can i know their phone number. including my own money, i still have XXXX in the account.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES CREDIT UNION (CA)

On XX/XX/year>, I made my last authorized transaction using my debit card. After that, without my knowledge, my card was either lost or compromised. From that point until XX/XX/year>, unauthorized transactions were made on my accounttransactions I had no idea about. In total, over {$4300.00} of MY money was spent or withdrawn. These were my hard-earned funds being taken without my consent. 

When I finally discovered what was going on, I immediately contacted BECU to dispute the transactions. On XX/XX/year>, they responded, offering to credit me only {$2300.00}, barely half of the total amount stolen from me. How is that acceptable? Over {$4300.00} was spentmoney I need to pay my bills and take care of my responsibilities. But they think its okay to offer just part of that back

? Im confused and honestly outraged that BECU is handling this in such a careless way. While I appreciate them issuing a new debit card, that doesnt solve the fact that Im out thousands of dollars that I didnt authorize to be spent. Im left wondering how they can take up to 45 days to investigate this when Im already suffering from the
financial hit. How am I supposed to trust this process when theyre already offering less than what was stolen from me?

This situation is unacceptable, and I expect BECU to take this far more seriously!
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.